National Bank of Canada
stock CA:NA (TORONTO)

Alternative ID: CA6330671034

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Exchange: TORONTO
Sector: Financial
Industry: Banks—Diversified
Market Cap: Large (32.09B)
Data in CAD

EPS: 6.18
Current PE: 0.35
BVPS: 48.92
Price/BVPS: 0.04
Dividend: 2.84 / 3.0%

Hist Grade: D (43.68)
YOY Grade: D (39.74)
Debt/FCF: 1.06
ROIC: 31.6%
PEG: 0.05
PEGY: 0.04

Value Price: 45.79
MOS Price: 22.89
MOS %: 2,029.6%
Graham Number: 82.49
Graham MOS %: 3,736.7%
IRT: 0.00

Market Price

2.15

0.07 3.4%

as of Jun 02 '23

52 Week Range:

0.92 99.55

Stock Analyzer Tutorials

General Info

type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

Financial Statements

type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

Growth Grade and Financial Ratios

type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

Price Charts

type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Exchange: TORONTO
Sector: Financial
Industry: Banks—Diversified
Market Cap: Large (32.09B)
Inst. Ownership: 35.60%
Insider Ownership: 0.28%
Full Time Employees: 28903

National Bank of Canada provides various financial products and services to retail, commercial, corporate, and institutional clients in Canada and internationally. It operates through four segments: Personal and Commercial, Wealth Management, Financial Markets, and U.S. Specialty Finance and International. The Personal and Commercial segment offers personal banking services, including transaction solutions, mortgage loans and home equity lines of credit, consumer loans, payment solutions, and savings and investment solutions; various insurance products; and commercial banking services comprise credit, and deposit and investment solutions, as well as international trade, foreign exchange transactions, payroll, cash management, insurance, electronic transactions, and complimentary services. The Wealth Management segment comprises investment solutions, trust services, banking services, lending services, and other wealth management solutions. The Financial Markets segment offers corporate banking, advisory, and capital markets services; and project financing, debt, and equity underwriting; advisory services in the areas of mergers and acquisitions, and financing. The U.S. Specialty Finance and International segment provides specialty finance products; financial products and services to individuals and businesses in Cambodia; and investment solutions, guaranteed investment certificates, mutual funds, notes, structured products, and monetization. It provides its services through a network of 384 branches and 927 banking machines. National Bank of Canada was founded in 1859 and is based in Montreal, Canada.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement

Cash Flow Statement

Balance Sheet

Liquidity Ratios

Current Ratio

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name	Oct '11	Oct '12	Oct '13	Oct '14	Oct '15	Oct '16	Oct '17	Oct '18	Oct '19	Oct '20	Oct '21
Equity (BVPS)	20.48	20.02	22.48	25.12	27.01	28.29	31.03	33.83	36.12	38.87	48.92
growth rate		-2.3%	12.3%	11.7%	7.5%	4.7%	9.7%	9.0%	6.8%	7.6%	25.9%
Earnings BIT	1,550.00	1,960.00	1,820.00	7,269.00	11,237.00	12,166.00	16,100.00
growth rate		26.5%	-7.1%	299.4%	54.6%	8.3%	32.3%
Avg.PE	10.37	8.28	10.28	10.50	9.68	15.81	11.53	10.21	11.63	12.22	12.94
growth rate		-20.2%	24.2%	2.1%	-7.8%	63.3%	-27.1%	-11.5%	13.9%	5.1%	5.9%
ROA	0.75	0.91	0.79	0.73	0.71	0.50	0.78	0.80	0.79	0.63	0.89
growth rate		21.3%	-13.2%	-7.6%	-2.7%	-29.6%	56.0%	2.6%	-1.3%	-20.3%	41.3%
ROE	17.74	23.30	20.67	17.92	16.70	11.65	18.24	18.36	17.94	14.93	20.61
growth rate		31.3%	-11.3%	-13.3%	-6.8%	-30.2%	56.6%	0.7%	-2.3%	-16.8%	38.0%
ROIC	8.61	13.70	33.12	29.00
growth rate		59.1%	141.8%	-12.4%
Leverage	23.77	27.55	25.21	24.21	22.67	24.08	22.97	22.77	22.83	24.69	21.96
growth rate		15.9%	-8.5%	-4.0%	-6.4%	6.2%	-4.6%	-0.9%	0.3%	8.2%	-11.1%
Balance Sheet	Oct '11	Oct '12	Oct '13	Oct '14	Oct '15	Oct '16	Oct '17	Oct '18	Oct '19	Oct '20	Oct '21
Acct.Receivable				89,568.00	45,407.00	46,460.00	56,187.00	2,143.00	1,482.00	1,892.00	2,661.00
growth rate					-49.3%	2.3%	20.9%	-96.2%	-30.8%	27.7%	40.6%
Acct.Payable				362,138.00	373,252.00	381,026.00	158,584.00	172,620.00	191,449.00	217,871.00	243,407.00
growth rate					3.1%	2.1%	-58.4%	8.9%	10.9%	13.8%	11.7%
Cur.Assets				94,612.00	90,702.00	88,875.00	102,656.00	104,833.00	110,371.00	144,727.00	152,883.00
growth rate					-4.1%	-2.0%	15.5%	2.1%	5.3%	31.1%	5.6%
Total Assets	166,854.00	177,903.00	188,204.00	801,510.00	787,465.00	814,949.00	245,835.00	262,471.00	281,458.00	331,625.00	355,795.00
growth rate		6.6%	5.8%	325.9%	-1.8%	3.5%	-69.8%	6.8%	7.2%	17.8%	7.3%
Cash	2,851.00	3,249.00	3,596.00	46,984.00	54,083.00	77,360.00	6,801.00	10,287.00	9,596.00	23,271.00	27,098.00
growth rate		14.0%	10.7%	1,206.6%	15.1%	43.0%	-91.2%	51.3%	-6.7%	142.5%	16.5%
Cur.Liabilities				156,177.00	162,294.00	198,631.00	203,876.00	222,497.00	237,388.00	285,910.00	309,546.00
growth rate					3.9%	22.4%	2.6%	9.1%	6.7%	20.4%	8.3%
Liabilities	160,373.00	170,683.00	180,061.00	730,610.00	712,283.00	738,899.00	232,442.00	248,116.00	266,322.00	315,242.00	336,939.00
growth rate		6.4%	5.5%	305.8%	-2.5%	3.7%	-68.5%	6.7%	7.3%	18.4%	6.9%
LT Debt	2,011.00	2,012.00	2,013.00	260,153.00	282,223.00	293,910.00	9,903.00	7,452.00	9,500.00	8,662.00	4,621.00
growth rate		0.1%	0.1%	12,823.7%	8.5%	4.1%	-96.6%	-24.8%	27.5%	-8.8%	-46.7%
Equity	6,481.00	7,220.00	8,143.00	70,900.00	75,182.00	76,050.00	10,551.00	11,526.00	12,328.00	13,930.00	17,203.00
growth rate		11.4%	12.8%	770.7%	6.0%	1.2%	-86.1%	9.2%	7.0%	13.0%	23.5%
Common Shares	329.00	326.00	327.00	-2,746.00	20.00	20.00	2,768.00	2,822.00	2,949.00	3,057.00	3,160.00
growth rate		-0.9%	0.3%	-100.0%	100.0%	0.0%	13,740.0%	2.0%	4.5%	3.7%	3.4%
Cash Flow Statement	Oct '11	Oct '12	Oct '13	Oct '14	Oct '15	Oct '16	Oct '17	Oct '18	Oct '19	Oct '20	Oct '21
Capital Expenditures	136.00	176.00	146.00	992.00	1,373.00	1,276.00	94.00	233.00	144.00	182.00	217.00
growth rate		29.4%	-17.1%	579.5%	38.4%	-7.1%	-92.6%	147.9%	-38.2%	26.4%	19.2%
Cash Dividends	490.00	528.00	581.00	904.00	1,455.00	1,746.00	846.00	918.00	992.00	1,300.00	1,101.00
growth rate		7.8%	10.0%	55.6%	61.0%	20.0%	-51.6%	8.5%	8.1%	31.1%	-15.3%
Cash From OA	2,077.00	1,944.00	690.00	1,086.00	-4,463.00	5,383.00	-13,084.00	-8,295.00	-10,456.00	-6,331.00	-18,947.00
growth rate		-6.4%	-64.5%	57.4%	-100.0%	100.0%	-100.0%	0.0%	0.0%	0.0%	0.0%
FCF per Share	17.42	5.56	7.87	7.69	16.45	21.41	10.98	9.59	8.99	77.30	17.19
growth rate		-68.1%	41.6%	-2.3%	113.9%	30.2%	-48.7%	-12.7%	-6.3%	759.8%	-77.8%
Sale Purchase of Stock				1,214.00	-1,316.00	-4,149.00	-3,381.00
growth rate					-100.0%	0.0%	0.0%
FCF	5,723.00	1,810.00	417.00	3,900.00	4,588.00	5,170.00	1,253.00	5,444.00	7,777.00	19,467.00	5,546.00
growth rate		-68.4%	-77.0%	835.3%	17.6%	12.7%	-75.8%	334.5%	42.9%	150.3%	-71.5%
Income Statement	Oct '11	Oct '12	Oct '13	Oct '14	Oct '15	Oct '16	Oct '17	Oct '18	Oct '19	Oct '20	Oct '21
Sales	4,666.00	5,313.00	5,163.00	34,275.00	35,155.00	34,631.00	6,365.00	6,839.00	7,085.00	7,081.00	8,925.00
growth rate		13.9%	-2.8%	563.9%	2.6%	-1.5%	-81.6%	7.5%	3.6%	-0.1%	26.0%
Op.Income	1,571.00	1,960.00	1,817.00	3,591.00	8,495.00	8,848.00	2,508.00	2,776.00	2,851.00	2,668.00	4,081.00
growth rate		24.8%	-7.3%	97.6%	136.6%	4.2%	-71.7%	10.7%	2.7%	-6.4%	53.0%
IBT	1,571.00	1,960.00		3,591.00	8,495.00	8,848.00	2,508.00	2,776.00	2,784.00	2,536.00	4,072.00
growth rate		24.8%		35.4%	136.6%	4.2%	-71.7%	10.7%	0.3%	-8.9%	60.6%
Net Income	1,224.00	1,561.00	1,479.00	3,467.00	6,127.00	5,979.00	1,940.00	2,145.00	2,256.00	2,041.00	3,177.00
growth rate		27.5%	-5.3%	134.4%	76.7%	-2.4%	-67.6%	10.6%	5.2%	-9.5%	55.7%
EPS	3.46	4.66	4.31	4.32	4.51	3.29	5.38	5.94	6.34	5.70	8.96
growth rate		34.7%	-7.5%	0.2%	4.4%	-27.1%	63.5%	10.4%	6.7%	-10.1%	57.2%
Gross Profit				34,275.00	35,155.00	34,631.00	6,365.00	6,839.00	7,085.00	7,081.00	8,925.00
growth rate					2.6%	-1.5%	-81.6%	7.5%	3.6%	-0.1%	26.0%

Quarterly Statements

Item Name	Jul '21	Oct '21	Jan '22	Apr '22	Jul '22
Earnings BIT
growth rate
Balance Sheet	Jul '21	Oct '21	Jan '22	Apr '22	Jul '22
Acct.Receivable	2,377.00	2,661.00	3,189.00	3,921.00	4,475.00
growth rate		12.0%	19.8%	23.0%	14.1%
Acct.Payable	238,704.00	243,407.00	248,931.00	248,596.00	259,337.00
growth rate		2.0%	2.3%	-0.1%	4.3%
Cur.Assets	155,502.00	152,883.00	158,883.00	154,180.00	164,127.00
growth rate		-1.7%	3.9%	-3.0%	6.5%
Total Assets	354,040.00	355,795.00	366,888.00	369,785.00	387,051.00
growth rate		0.5%	3.1%	0.8%	4.7%
Cash	30,756.00	27,098.00	32,370.00	22,110.00	30,789.00
growth rate		-11.9%	19.5%	-31.7%	39.3%
Cur.Liabilities	306,160.00	309,546.00	319,062.00	320,782.00	334,251.00
growth rate		1.1%	3.1%	0.5%	4.2%
Liabilities	335,461.00	336,939.00	347,239.00	349,361.00	365,954.00
growth rate		0.4%	3.1%	0.6%	4.8%
LT Debt	7,616.00	4,621.00	5,607.00	5,905.00	8,101.00
growth rate		-39.3%	21.3%	5.3%	37.2%
Equity	16,529.00	17,203.00	17,996.00	18,772.00	19,445.00
growth rate		4.1%	4.6%	4.3%	3.6%
Common Shares	3,141.00	3,160.00	3,208.00	3,196.00	3,189.00
growth rate		0.6%	1.5%	-0.4%	-0.2%
Cash Flow Statement	Jul '21	Oct '21	Jan '22	Apr '22	Jul '22
Capital Expenditures	56.00	60.00	75.00	81.00	71.00
growth rate		7.1%	25.0%	8.0%	-12.4%
Cash Dividends	279.00	274.00	29.00
growth rate		-1.8%	-89.4%
Cash From OA	-4,301.00	-5,602.00	-1,023.00	-6,684.00	-3,078.00
growth rate		0.0%	0.0%	0.0%	0.0%
Sale Purchase of Stock
growth rate
FCF	-4,357.00	-5,662.00	-1,098.00	-6,765.00	-3,149.00
growth rate		0.0%	0.0%	0.0%	0.0%
Income Statement	Jul '21	Oct '21	Jan '22	Apr '22	Jul '22
Sales	2,297.00	2,252.00	2,468.00	2,436.00	2,356.00
growth rate		-2.0%	9.6%	-1.3%	-3.3%
Op.Income	1,081.00	1,003.00	1,191.00	1,143.00	1,050.00
growth rate		-7.2%	18.7%	-4.0%	-8.1%
IBT	1,081.00	994.00	1,191.00	1,143.00	1,050.00
growth rate		-8.1%	19.8%	-4.0%	-8.1%
Net Income	839.00	776.00	932.00	894.00	826.00
growth rate		-7.5%	20.1%	-4.1%	-7.6%
EPS
growth rate
Gross Profit	2,297.00	2,252.00	2,468.00	2,436.00	2,356.00
growth rate		-2.0%	9.6%	-1.3%	-3.3%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (43.68)

YOY Growth Grade:

D (39.74)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Dividend Yield: 3.0%
Beta: 1.10
Beta of 1.1012 suggests that the asset is more volatile than the rest of the market.
PE: 0.35
EY: 287.5%
PEG: 0.05
PEG Ratio of 0.05 suggests that stock is underpriced.
PEGY: 0.04
PEGY Ratio of 0.04 suggests that stock is underpriced.
Price/BVPS: 0.04
Price to BVPS Ratio of 0.04 suggests that stock is undervalued.

Profitability Ratios

ROE: 20.6%
Return on Equity (ROE) of 20.6% suggests that a company is doing well.
ROS: 45.7%
The value of Return on Sales depends on the business and/or industry. Usually the higher ratio the better.
ROA: 1.1%
Return on Assets (ROA). Low ratio usually means poor performance, or ineffective use of assets by management. High ratio usually means good performance.
ROI: 23.7%
Return on Investment (ROI) of 23.7% suggests that a company is doing well.
ROIC: 31.6%
Return on Invested Capital (ROIC) of 31.6% suggests that a company is doing well.

Liquidity Ratios

Current Ratio: 0.49
Current Ratio of 0.49 suggests that a company may not be able to pay off bills as rapidly as it should.
Quick Ratio: 0.10
Quick Ratio of 0.10 suggests that a company does not have enough cash to cover immediate liabilities.
Cash Turnover: -0.06
Turnover Of Cash Ratio of -0.06 suggests that a company may have funds tied up in short-term low-yielding assets or may have a cash surplus, which is not invested in the business.
Equity Ratio: 4.8%
Equity Ratio of 4.8% suggests that a company has high financing and debt service costs, not very attractive to investors.
Debt/Equity: 1,958.6%
Debt to Equity Ratio of 1,958.6% suggests that greater risk assumed by creditors, hence greater interest by them in the way the company is being managed.
Debt/FCF: 1.06
Debt/FCF of 1.06 suggests that a company is doing well and can pay off its long term debt within three years.

Efficiency Ratios

Avg Collection Period: 108.83
Average Collection Period of 108.83 days suggests a slow turnover, which may be the result of a number of bad accounts, or a tax collection policy or perhaps credit is being used to generate sales.
Inventory Turnover:
Cash Flow Ratio:
Profit Margin: 35.6%

Value Price

PE and EPS

	Historical	Current	Forward
PE	15.36	0.35	11.99
EPS / Growth	13.0%	6.18	6.8%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 3.3%

Estimates	Pessimistic	Moderate	Optimistic
Rate of Return	15.0%
MOS Price %	50 %
Future EPS Growth	3.3%	7.7%	7.7%
Future PE	6.66	14.26	14.26
Future EPS	8.58	12.99	12.99
Value Price MOS %	14.12 556.8%	45.79 2,029.6%	45.79 2,029.6%
MOS Price	7.06	22.89	22.89
IRT	0.00	0.00	0.00

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Graham Number: 82.49
Graham MOS: 3,736.7%

Price Chart

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Risk / Reward Ratios

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