NABPJ Stock Overview

Provides financial services to individuals and businesses in Australia, New Zealand, Europe, Asia, the United States, and internationally. More details

NABPJ fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	2/6
Financial Health	5/6
Dividends	3/6

Rewards

Trading at 10.8% below our estimate of its fair value

Risk Analysis

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

National Australia Bank Limited Competitors

Westpac Banking

ASX:WBC

AU$111.0b

ANZ Group Holdings

ASX:ANZ

AU$84.8b

Commonwealth Bank of Australia

ASX:CBA

AU$256.2b

BSP Financial Group

ASX:BFL

AU$3.1b

Price History & Performance

Summary of share price highs, lows and changes for National Australia Bank
Historical stock prices
Current Share Price	AU$103.90
52 Week High	AU$105.99
52 Week Low	AU$100.02
Beta	0.89
1 Month Change	-0.70%
3 Month Change	-0.76%
1 Year Change	3.53%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	3.49%

Recent updates

Shareholder Returns

	NABPJ	AU Banks	AU Market
7D	-0.2%	-0.6%	-0.09%
1Y	3.5%	30.8%	8.3%

Return vs Industry: NABPJ underperformed the Australian Banks industry which returned 29.7% over the past year.

Return vs Market: NABPJ underperformed the Australian Market which returned 7.4% over the past year.

Price Volatility

Is NABPJ's price volatile compared to industry and market?
NABPJ volatility
NABPJ Average Weekly Movement	0.8%
Banks Industry Average Movement	3.2%
Market Average Movement	7.9%
10% most volatile stocks in AU Market	16.7%
10% least volatile stocks in AU Market	3.0%

Stable Share Price: NABPJ has not had significant price volatility in the past 3 months compared to the Australian market.

Volatility Over Time: NABPJ's weekly volatility (1%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1834	39,240	Andrew Irvine	www.nab.com.au

National Australia Bank Limited provides financial services to individuals and businesses in Australia, New Zealand, Europe, Asia, the United States, 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.

National Australia Bank Limited Fundamentals Summary

How do National Australia Bank's earnings and revenue compare to its market cap?
NABPJ fundamental statistics
Market cap	AU$113.82b
Earnings (TTM)	AU$7.06b
Revenue (TTM)	AU$19.91b

16.2x

P/E Ratio

1.9x

P/B Ratio

Is NABPJ overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
NABPJ income statement (TTM)
Revenue	AU$19.91b
Cost of Revenue	AU$0
Gross Profit	AU$19.91b
Other Expenses	AU$12.84b
Earnings	AU$7.06b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

May 07, 2025

Earnings per share (EPS)	2.30
Gross Margin	100.00%
Net Profit Margin	35.48%
Debt/Equity Ratio	499.0%

How did NABPJ perform over the long term?

See historical performance and comparison

Dividends

4.6%

Current Dividend Yield

74%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/02 05:46
End of Day Share Price	2025/01/02 00:00
Earnings	2024/09/30
Annual Earnings	2024/09/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

National Australia Bank Limited is covered by 32 analysts. 13 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Brett Le Mesurier	Axiome Equities
Russell Wright	Barclay Pearce Capital Pty Limited
Craig Stafford	Barrenjoey Markets Pty Limited