OTCPK:ANEW.F

Stock Analysis Report

Australia and New Zealand Banking Group

Executive Summary

Australia and New Zealand Banking Group Limited provides various banking and financial products and services.

Snowflake

Fundamentals

Established dividend payer with excellent balance sheet.


Similar Companies

Share Price & News

How has Australia and New Zealand Banking Group's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-4.1%

OTCPK:ANEW.F

-2.6%

US Banks

-1.0%

US Market


1 Year Return

-20.7%

OTCPK:ANEW.F

-14.2%

US Banks

-0.4%

US Market

ANEW.F underperformed the Banks industry which returned -16.1% over the past year.

ANEW.F underperformed the Market in United States of America which returned -1.7% over the past year.


Share holder returns

ANEW.FIndustryMarket
7 Day-4.1%-2.6%-1.0%
30 Day-10.3%-5.5%-3.3%
90 Dayn/a-3.5%0.4%
1 Year-20.7%-20.7%-11.8%-14.2%1.8%-0.4%
3 Year-11.2%-11.2%42.2%32.4%39.4%30.4%
5 Year-42.4%-42.4%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is Australia and New Zealand Banking Group's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Australia and New Zealand Banking Group undervalued based on future cash flows and its price relative to the stock market?

11.74x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Australia and New Zealand Banking Group's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Australia and New Zealand Banking Group's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Australia and New Zealand Banking Group is good value based on earnings compared to the US Banks industry average.

Australia and New Zealand Banking Group is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Australia and New Zealand Banking Group is poor value based on expected growth next year.


Price Based on Value of Assets

Australia and New Zealand Banking Group is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Australia and New Zealand Banking Group expected to perform in the next 1 to 3 years based on estimates from 13 analysts?

2.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Australia and New Zealand Banking Group's revenue is expected to grow by 0.2% yearly, however this is not considered high growth (20% yearly).

Australia and New Zealand Banking Group's earnings are expected to grow by 2.4% yearly, however this is not considered high growth (20% yearly).

Australia and New Zealand Banking Group's revenue growth is positive but not above the United States of America market average.

Australia and New Zealand Banking Group's earnings growth is positive but not above the United States of America market average.

Australia and New Zealand Banking Group's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Australia and New Zealand Banking Group is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Australia and New Zealand Banking Group performed over the past 5 years?

-1.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Australia and New Zealand Banking Group's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.

Australia and New Zealand Banking Group's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Australia and New Zealand Banking Group's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.


Return on Equity

Australia and New Zealand Banking Group has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Australia and New Zealand Banking Group used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Australia and New Zealand Banking Group improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Australia and New Zealand Banking Group's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Australia and New Zealand Banking Group has an acceptable proportion of non-loan assets held.

Unable to establish if Australia and New Zealand Banking Group has a sufficient allowance for bad loans without relevant financial data.

Australia and New Zealand Banking Group's liabilities are made up of primarily low risk sources of funding.

Australia and New Zealand Banking Group's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Australia and New Zealand Banking Group are broadly funded by customer deposits.

Australia and New Zealand Banking Group has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Australia and New Zealand Banking Group's current dividend yield, its reliability and sustainability?

6.19%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Australia and New Zealand Banking Group's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.5%).

Australia and New Zealand Banking Group's dividend is above the markets top 25% of dividend payers in United States of America (3.9%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are covered by earnings (1.4x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be covered by earnings (1.5x coverage).


Next Steps

Management

What is the CEO of Australia and New Zealand Banking Group's salary, the management and board of directors tenure and is there insider trading?

3.5yrs

Average management tenure


CEO

Shayne Elliott (55yo)

3.6yrs

Tenure

AU$5,645,295

Compensation

Mr. Shayne Cary Elliott, B.Com has been Chief Executive Officer and Executive Director of Australia and New Zealand Banking Group Limited since January 1, 2016 and served as its Member of Management Board. ...


CEO Compensation Analysis

Shayne's remuneration is lower than average for companies of similar size in United States of America.

Shayne's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

3.5yrs

Average Tenure

55yo

Average Age

The tenure for the Australia and New Zealand Banking Group management team is about average.


Board Age and Tenure

5.1yrs

Average Tenure

59yo

Average Age

The tenure for the Australia and New Zealand Banking Group board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Shayne Elliott (55yo)

    CEO & Executive Director

    • Tenure: 3.6yrs
    • Compensation: A$5.65m
  • Bob Santamaria

    Group General Counsel & Company Secretary

    • Tenure: 12.0yrs
  • David Fisher

    Head of Technology

  • Lynwen Connick

    Chief Information Security Officer

  • Jill Campbell

    Group General Manager of Investor Relations

  • Craig Sims

    Group General Manager of Operations & Services

    • Tenure: 3.6yrs
  • Kevin Corbally (49yo)

    Chief Risk Officer

    • Tenure: 1.4yrs
    • Compensation: A$1.04m
  • Mark Whelan (59yo)

    Group Executive of Institutional

    • Tenure: 3.5yrs
    • Compensation: A$3.40m
  • Alexis George (55yo)

    Deputy CEO & Group Executive of Wealth Australia

    • Tenure: 1.3yrs
    • Compensation: A$2.04m
  • Michelle Jablko (46yo)

    Chief Financial Officer

    • Tenure: 3.1yrs
    • Compensation: A$2.70m

Board Members

  • Tony Carter (61yo)

    Independent Director of ANZ Bank New Zealand

  • Shayne Elliott (55yo)

    CEO & Executive Director

    • Tenure: 3.6yrs
    • Compensation: A$5.65m
  • Jane Halton (59yo)

    Independent Non-Executive Director

    • Tenure: 2.8yrs
    • Compensation: A$297.74k
  • David Gonski (65yo)

    Chairman of the Board

    • Tenure: 5.3yrs
    • Compensation: A$825.00k
  • Paula Dwyer (58yo)

    Independent Non Executive Director

    • Tenure: 7.3yrs
    • Compensation: A$365.00k
  • John Key (57yo)

    Independent Non-Executive Director

    • Tenure: 1.5yrs
    • Compensation: A$160.54k
  • JT Macfarlane (59yo)

    Independent Non-Executive Director

    • Tenure: 5.3yrs
    • Compensation: A$318.50k
  • Ilana Atlas (64yo)

    Independent Non Executive Director

    • Tenure: 4.9yrs
    • Compensation: A$344.50k
  • Graeme Liebelt (65yo)

    Independent Non-Executive Director

    • Tenure: 6.1yrs
    • Compensation: A$366.03k

Company Information

Australia and New Zealand Banking Group Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Australia and New Zealand Banking Group Limited
  • Ticker: ANEW.F
  • Exchange: OTCPK
  • Founded: 1835
  • Industry: diversified banks
  • Sector: banks
  • Market Cap: AU$74.202b
  • Listing Market Cap: AU$50.316b
  • Shares outstanding: 2.81b
  • Website: Click here

Number of Employees


Location

  • Australia and New Zealand Banking Group Limited
  • ANZ Centre Melbourne
  • Level 9
  • Docklands
  • Victoria
  • 3008
  • Australia

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ANEW.FOTCPK (Pink Sheets LLC)YesOrdinary SharesUSUSDJan 1980
ANZASX (Australian Securities Exchange)YesOrdinary SharesAUAUDJan 1980
ANZNZSE (New Zealand Stock Exchange)YesOrdinary SharesNZNZDJan 1980
ANBDB (Deutsche Boerse AG)YesOrdinary SharesDEEURJan 1980
ANZB.YOTCPK (Pink Sheets LLC)SPONSORED ADRUSUSDDec 1994
ANZPEASX (Australian Securities Exchange)FRN CNV PERP AUD100AUAUDApr 2014
ANB1DB (Deutsche Boerse AG)SPONSORED ADRDEEURDec 1994

Biography

Australia and New Zealand Banking Group Limited provides various banking and financial products and services. The company’s Australia division offers retail products and services to consumers through the b ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/16 23:51
End of Day Share Price2019/08/16 00:00
Earnings2019/03/31
Annual Earnings2018/09/30


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.