Westpac Banking (WBC) Price & Analysis
WBC Stock Chart & Stats
- Day’s Range
- NZD 46.00 - NZD 47.00
- 52-Week Range
- NZD 40.13 - NZD 52.35
- Previous Close
- NZD 46.80
- Volume
- 4,166
- Average Volume (3M)
- 9,294
- Market Cap
- NZD 156.69B
- Enterprise Value
- NZD 314.38B
- Total Cash (Recent Filing)
- NZD 53.49B
- Total Debt (Recent Filing)
- NZD 225.71B
- Price to Earnings (P/E)
- 18.0
- Beta
- 0.82
- Next Earnings
- Nov 02, 2026
- EPS Estimate
- 1.28
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 3.95%
Bulls Say, Bears Say
Bulls Say
Resilient Profitability
Consistent earnings across the cycle indicate that Westpac's core banking franchise has maintained profitability through changing conditions. The combination of resilient net income and healthy operating margins supports ongoing capital generation and provides a durable base for serving customers and investing in operations.
Steady Return On Equity
A steady return on equity suggests Westpac is producing dependable earnings from its substantial equity base rather than relying solely on temporary revenue movements. This supports the bank's ability to compound capital internally and maintain financial capacity for lending and strategic investment.
Broad Banking Franchise
Serving multiple customer groups across Australia and New Zealand gives Westpac a broad earnings platform spanning deposits, mortgages, business lending, payments and institutional services. This diversification can support customer retention and reduce reliance on any single banking product or client segment.
Bears Say
Rising Balance-Sheet Leverage
The increase in leverage raises Westpac's sensitivity to weaker credit conditions, higher funding costs and pressure on asset quality. Greater balance-sheet gearing can also constrain flexibility, because more capital and liquidity management may be needed to absorb stress or support future growth.
Volatile Cash Generation
Although 2025 produced a strong cash-flow recovery, the preceding multi-year period of negative operating and free cash flow makes cash generation less predictable. That volatility complicates planning, weakens confidence in recurring internal funding and may limit flexibility during adverse operating conditions.
Inconsistent Revenue And Margins
Uneven revenue performance and possible comparability issues make it harder to assess the underlying growth trajectory of Westpac's business. If top-line volatility persists, operating margins and earnings quality may be less dependable, reducing visibility for planning and long-term capital allocation.
WBC FAQ
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Westpac Banking Stock Smart Score
Company Description
Westpac Banking
Westpac Banking Corporation, an established financial institution headquartered in Sydney, Australia, has provided a comprehensive suite of banking and financial solutions since its founding in 1817 (initially as Bank of New South Wales, rebranded in October 1982). Its operations extend across Australia, New Zealand, and into international markets. The company offers a broad spectrum of services to its diverse clientele, including various deposit accounts (such as savings, term deposits, and specialized business, trust, or foreign currency accounts); a wide range of lending products like home, personal, business, and commercial loans; and asset financing for vehicles and equipment, along with business overdrafts and bank guarantees. Westpac also issues debit and credit cards, facilitates international and travel services, provides share trading and investment products, and a diverse portfolio of insurance policies covering home, auto, travel, life, and business needs. Furthermore, it delivers sophisticated corporate and institutional services, encompassing transaction banking, financial market solutions, corporate and structured finance, trade and supply chain financing, industry-specific banking, and treasury management, all supported by extensive online banking capabilities. Its customer base spans individuals, micro, small, and medium-sized enterprises (SMEs), private wealth clients, and large commercial, corporate, institutional, and government entities.
- Sector
- Financial
- Industry
- Banks - Diversified
- CEO
- Anthony James Miller
- Employees
- 33,305
- Website
- www.westpac.com.au
- Address
- Westpac Place, Sydney, NSW, 2000, AU
Westpac Banking (WBC) Earnings & Revenues
WBC Earnings Call
Earnings Call SentimentNeutral
Westpac demonstrated strong growth in deposits and business lending, and launched significant digital innovations. However, the company faced challenges with decreased net profit, increased expenses, and delays in the UNITE program. Customer and brand advocacy continue to require attention.
View all NZ:WBC earnings summariesWBC Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 2 | 5 |
| Technical Analysis | 3 | 2 | 5 |
| Moving Averages | 12 | 0 | 0 |