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National Australia Bank Limited provides financial services to individuals and businesses in Australia, New Zealand, and internationally. The company operates through Business and Private Banking; Personal Banking; Corporate and Institutional Banking; New Zealand Banking; and Corporate Functions and Other segments. It accepts transaction accounts, savings accounts, debit cards, and term deposits; and specialized accounts, such as foreign currency, business interest, cash maximiser, farm management, community free saver, statutory trust, and project bank accounts, as well as farm management deposits. In addition, the company provides home loans, personal loans, and business loans; vehicle and equipment finance; and trade and invoice finance, as well as business overdrafts and bank guarantees. Further, it offers insurance products consisting of home and content, landlord, travel, car, caravan and trailer, life, and business insurance products; and pension, self-managed super funds, cash management, and financial planning and advisory services. Additionally, the company provides investment products; credit, debit, and business cards; payments and merchant services; online and internet banking services; small business services; international and foreign exchange solutions; and industry specific banking services. The company was founded in 1834 and is based in Melbourne, Australia.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
National Australia Bank is one of Australia's largest banks offering retail, business and institutional banking, wealth management and markets services. Long-term growth may be supported by its scale in domestic lending, expansion in wealth and business banking, digital investment and potential net interest margin support; investors may find the company attractive for its diversified earnings and market position.
Key investment risks include sensitivity to Australian housing and commercial property cycles, credit losses during economic downturns, regulatory and compliance pressures, interest-rate volatility and intensified competition from fintech and nonbank lenders.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Income before tax | 9879.00M | 10450.00M | 9744.00M | 9068.00M | 5163.00M |
| Minority interest | -18.00M | -5.00M | 0.00M | -3.00M | 1.00M |
| Net income | 6960.00M | 7414.00M | 6891.00M | 6364.00M | 2559.00M |
| Selling general administrative | 1478.00M | 2489.00M | 2414.00M | 2044.00M | 4793.00M |
| Reconciled depreciation | 1312.00M | 1214.00M | 1112.00M | 1045.00M | 2039.00M |
| Other operating expenses | - | - | 151.00M | 132.00M | 300.00M |
| Interest expense | 41540.00M | 31265.00M | 7538.00M | 4241.00M | 9234.00M |
| Tax provision | 2798.00M | 2980.00M | 2684.00M | 2597.00M | 1665.00M |
| Interest income | 58297.00M | 48072.00M | 22378.00M | 18034.00M | 23111.00M |
| Net interest income | 16757.00M | 16807.00M | 14840.00M | 13793.00M | 13877.00M |
| Extraordinary items | - | - | - | -104.00M | -935.00M |
| Income tax expense | - | - | 2684.00M | 2597.00M | 1665.00M |
| Total revenue | 20632.00M | 20630.00M | 18329.00M | 16682.00M | 16422.00M |
| Discontinued operations | - | - | -169.00M | -104.00M | -935.00M |
| Net income from continuing ops | 7081.00M | 7470.00M | 7060.00M | 6471.00M | 3498.00M |
| Net income applicable to common shares | - | - | 6891.00M | 6351.00M | 2520.00M |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Total assets | 1080248.00M | 1059083.00M | 1055126.00M | 925968.00M | 866565.00M |
| Intangible assets | 5224.00M | 4952.00M | 4652.00M | 4113.00M | 1971.00M |
| Earning assets | - | - | - | 177760.00M | 210476.00M |
| Other current assets | - | - | 17125.00M | 11339.00M | 14275.00M |
| Total liab | 1018035.00M | 997580.00M | 996094.00M | 863189.00M | 805273.00M |
| Total stockholder equity | 61455.00M | 61154.00M | 59032.00M | 62779.00M | 61292.00M |
| Other current liab | - | - | 21831.00M | 6994.00M | 8832.00M |
| Common stock | - | - | 39399.00M | 43247.00M | 43531.00M |
| Capital stock | 36581.00M | 38546.00M | 39399.00M | 43247.00M | 45476.00M |
| Retained earnings | 25236.00M | 23800.00M | 21472.00M | 18982.00M | 15717.00M |
| Other liab | - | - | 9353.00M | 9149.00M | 8947.00M |
| Good will | 2070.00M | - | - | 1964.00M | 1838.00M |
| Other assets | - | - | 684555.00M | 625155.00M | 588417.00M |
| Cash | 112937.00M | 120197.00M | 144527.00M | 109214.00M | 55197.00M |
| Total current liabilities | - | - | 849721.00M | 707689.00M | 650738.00M |
| Net debt | 99283.00M | 75336.00M | 43497.00M | 58659.00M | 115324.00M |
| Short long term debt | 296682.00M | - | - | - | 159567.00M |
| Short long term debt total | - | - | - | 169840.00M | 178246.00M |
| Other stockholder equity | - | - | -1839.00M | 550.00M | 2044.00M |
| Property plant equipment | - | - | 3009.00M | 2814.00M | 2374.00M |
| Total current assets | - | - | 319787.00M | 250836.00M | 230752.00M |
| Long term investments | 121430.00M | 130567.00M | 147114.00M | 124818.00M | 109563.00M |
| Net tangible assets | - | - | 54380.00M | 58666.00M | 57483.00M |
| Short term investments | 42768.00M | - | - | - | 44215.00M |
| Net receivables | 362.00M | - | 103610.00M | 83041.00M | 952.00M |
| Long term debt | - | - | - | 167873.00M | 176691.00M |
| Accounts payable | 7579.00M | 6394.00M | 616703.00M | 547775.00M | 503788.00M |
| Long term debt total | - | - | - | 169840.00M | 178246.00M |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Investments | 6030.00M | -4210.00M | -4619.00M | -3373.00M | 197.00M |
| Change to liabilities | - | - | 505.00M | 641.00M | -1085.00M |
| Total cashflows from investing activities | - | - | -8703.00M | -3694.00M | -702.00M |
| Net borrowings | 17144.00M | - | 14432.00M | -16713.00M | -19401.00M |
| Total cash from financing activities | 9916.00M | - | 81539.00M | 33899.00M | 9070.00M |
| Change to operating activities | - | - | -59209.00M | -75088.00M | 1691.00M |
| Net income | 6960.00M | 7414.00M | 6891.00M | 6364.00M | 2559.00M |
| Change in cash | -21174.00M | -23933.00M | 24298.00M | -24160.00M | 15015.00M |
| Begin period cash flow | 40589.00M | 62179.00M | 37881.00M | 62041.00M | 47026.00M |
| End period cash flow | 18836.00M | 40589.00M | 62179.00M | 37881.00M | 62041.00M |
| Total cash from operating activities | -35781.00M | -26699.00M | -47309.00M | -55185.00M | 8002.00M |
| Issuance of capital stock | 404.00M | 336.00M | 0.00M | - | 4904.00M |
| Depreciation | - | - | 615.00M | 659.00M | 799.00M |
| Other cashflows from investing activities | - | - | - | -2836.00M | 270.00M |
| Dividends paid | -4700.00M | -4339.00M | 4006.00M | 2682.00M | 2323.00M |
| Sale purchase of stock | -2611.00M | -1620.00M | -4417.00M | -650.00M | 4904.00M |
| Other cashflows from financing activities | - | - | 75530.00M | 55944.00M | 25890.00M |
| Change to netincome | - | - | 4166.00M | -643.00M | 1226.00M |
| Capital expenditures | 1440.00M | 1192.00M | 1077.00M | 858.00M | 972.00M |
| Change in working capital | - | - | - | -11013.00M | 23463.00M |
| Free cash flow | -37221.00M | -27891.00M | 27144.00M | -99.00M | 32920.00M |
Sector: Financial Services Industry: Banks - Diversified
|
Stock Name
|
Change
(AUD) |
Price
(AUD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
|---|---|---|---|---|---|---|
| CBA Commonwealth Bank of Australia |
4.82 2.89% |
171.76 | 25.50 | 24.75 | 9.47 | 3.53 |
| CBAPK Commonwealth Bank of Australia |
-0.02 0.02% |
103.96 | 17.28 | - | - | - |
| CBAPJ Commonwealth Bank of Australia |
- -% |
100.35 | 16.67 | - | - | - |
| NAB National Australia Bank Ltd |
0.21 0.54% |
38.77 | 19.48 | 16.13 | 5.86 | 2.08 |
National Australia Bank Limited provides financial services to individuals and businesses in Australia, New Zealand, and internationally. The company operates through Business and Private Banking; Personal Banking; Corporate and Institutional Banking; New Zealand Banking; and Corporate Functions and Other segments. It accepts transaction accounts, savings accounts, debit cards, and term deposits; and specialized accounts, such as foreign currency, business interest, cash maximiser, farm management, community free saver, statutory trust, and project bank accounts, as well as farm management deposits. In addition, the company provides home loans, personal loans, and business loans; vehicle and equipment finance; and trade and invoice finance, as well as business overdrafts and bank guarantees. Further, it offers insurance products consisting of home and content, landlord, travel, car, caravan and trailer, life, and business insurance products; and pension, self-managed super funds, cash management, and financial planning and advisory services. Additionally, the company provides investment products; credit, debit, and business cards; payments and merchant services; online and internet banking services; small business services; international and foreign exchange solutions; and industry specific banking services. The company was founded in 1834 and is based in Melbourne, Australia.
| Name | Title | Year Born |
|---|---|---|
| Mr. Ross Maxwell McEwan B.B.S., CBE | Group CEO, MD & Director | 1957 |
| Mr. Gary Andrew Lennon BEC, BEc (Hons), F.C.A., FCA | Group Chief Financial Officer | NA |
| Mr. Lesile D. Matheson | Group Chief Operating Officer | 1960 |
| Mr. Patrick F. Wright | Group Exec. of Technology & Enterprise Operations | 1967 |
| Ms. Sharon J. Cook | Group Exec. of Legal & Commercial Services | NA |
| Ms. Susan Ferrier | Group Exec. of People & Culture | NA |
| Ms. Angela Mentis B.Bus | Group Chief Digital, Data & Analytics Officer | NA |
| Mr. Shaun Dooley | Group Chief Risk Officer | NA |
| Mr. Daniel James Huggins | MD & CEO of Bank of New Zealand | NA |
| Mr. David Gall | Group Exec. of Corp. of Institutional Banking | NA |
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