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Australia & New Zealand Banking (ANZGY) AI Stock Analysis
Australia & New Zealand Banking
(Other OTC:ANZGY)
The score is driven mainly by solid financial results and a constructive earnings call, supported by positive trend readings. However, valuation is only fair and technicals are somewhat overextended, while leverage and margin pressure remain key risks.
Australia & New Zealand Banking (ANZGY) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $86.18B
- Dividend Yield
- 3.88%
- Average Volume (3M)
- 240.96K
- Price to Earnings (P/E)
- 20.6
- Beta (1Y)
- 0.61
- Revenue Growth
- -4.06%
- EPS Growth
- -11.28%
- Country
- US
- Employees
- 42,698
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Diversified
Australia & New Zealand Banking Business Overview & Revenue Model
Company Description
ANZ Group Holdings Limited is a global financial institution that delivers a broad spectrum of banking and financial solutions to both individual consumers and corporate clients, operating within Australia and on an international scale. For its perso...
How the Company Makes Money
ANZ primarily makes money through net interest income, fees and commissions, and income from its markets-related activities. 1) Net interest income (core banking spread): ANZ earns interest on loans and other interest-earning assets (e.g., home loans...
Australia & New Zealand Banking Earnings Call Summary
The call emphasized substantial progress on cost reduction, capital strength, improved returns and disciplined portfolio management while acknowledging revenue stagnation in the half, ongoing provisioning for geopolitical uncertainty, and the execution risk associated with major integration and replatforming programs. Management presented concrete metrics showing stronger profitability, upgraded productivity targets and maintained dividends, but also noted persistent customer experience/NPS weaknesses and pockets of below-system lending performance. Overall the results portray a bank in active transformation with material near-term achievements and some execution and macro-related risks to monitor.
Q2-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management reiterated Phase‑1 guidance and gave metric‑led detail: H1 cash profit after tax was $3.8bn with return on tangible equity 11.6% (up 161bps) and CET1 12.39% (up 36bps); cost‑to‑income fell to 49.4% (from 54.6%) as productivity savings were upgraded to $875m (versus $800m) driving an expected ~5% FY26 reduction in costs from a $11.85bn FY25 baseline and keeping the ~$1.5bn investment envelope (investment spend ≈80% of expense); the interim dividend was maintained at $0.83/share with franking raised to 75% and the DRP neutralized. Credit and balance‑sheet settings were strengthened with a $126m collective provision charge this half (collective provision balance $4.45bn, coverage 1.22% up 4bps in the half and 9bps since Mar‑25), an individual provision charge of $148m (annualised loss rate 4bps vs long‑run ~11bps), deposits ex‑Markets +$11bn (+$20bn constant currency), save & transact +$16bn CCY, operational deposits +8% CCY (up 28% over 2 years), customer loans +$16bn CCY (Australia home loans +$5bn), markets income $1.1bn (+8%), revenue/RWA 4.88%, group NIM ~1.53% (replicating portfolio expected to add ~7bps over 12–18 months), and program milestones — Suncorp migration 34% complete (target 57% by FY‑end, finish Jun‑27) and single customer front end 13% complete (target 45% by FY‑end, delivery Sep‑27).
Australia & New Zealand Banking Financial Statement Overview
Summary
Revenue growth and operating cash flow are strong, and ROE remains stable, but margin erosion and higher leverage reduce the overall quality of the financial profile.
Income Statement
72PositiveBalance Sheet
55NeutralCash Flow
68Positive| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 42.14B | 65.70B | 20.36B | 20.28B | 19.66B | 17.99B |
| Gross Profit | 20.20B | 20.49B | 20.36B | 20.28B | 18.94B | 17.83B |
| EBITDA | 10.75B | 9.80B | 10.33B | 11.01B | 11.09B | 10.02B |
| Net Income | 3.73B | 3.79B | 6.54B | 7.10B | 7.12B | 6.16B |
Balance Sheet | ||||||
| Total Assets | 1.31T | 1.30T | 1.23T | 1.11T | 1.09T | 978.86B |
| Cash, Cash Equivalents and Short-Term Investments | 173.36B | 122.72B | 112.99B | 146.44B | 157.53B | 141.89B |
| Total Debt | 257.89B | 219.82B | 121.28B | 150.08B | 134.00B | 78.43B |
| Total Liabilities | 1.24T | 1.23T | 1.16T | 1.04T | 1.02T | 915.18B |
| Stockholders Equity | 70.68B | 71.13B | 69.86B | 69.52B | 65.91B | 63.66B |
Cash Flow | ||||||
| Free Cash Flow | 17.75B | 26.11B | 9.95B | 5.88B | 19.52B | 43.26B |
| Operating Cash Flow | 18.76B | 26.11B | 9.95B | 6.49B | 20.18B | 43.82B |
| Investing Cash Flow | -53.41B | -23.94B | -42.12B | -10.69B | -1.82B | 10.26B |
| Financing Cash Flow | 12.70B | 612.00M | 17.91B | 4.38B | -2.35B | -9.67B |
Australia & New Zealand Banking Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ANZGY, the sentiment is Positive. The current price of 28.71 is above the 20-day moving average (MA) of 27.24, above the 50-day MA of 26.88, and above the 200-day MA of 25.87, indicating a bullish trend. The MACD of 0.51 indicates Negative momentum. The RSI at 72.05 is Negative, neither overbought nor oversold. The STOCH value of 96.77 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ANZGY.
Australia & New Zealand Banking Peers Comparison
Overall Rating
ING73Outperform
WFC73Outperform
MUFG68Neutral
SMFG68Neutral
HSBC65Neutral- ANZGY64Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ING | 73Outperform | $87.97B | 12.02 | 13.48% | 4.84% | 11.88% | 22.51% |
| WFC | 73Outperform | $250.35B | 11.55 | 12.86% | 2.22% | 6.38% | 16.80% |
| MUFG | 68Neutral | $245.78B | 14.52 | 12.34% | 3.11% | 7.56% | 43.28% |
| SMFG | 68Neutral | $155.08B | 14.48 | 10.89% | 2.97% | 7.19% | 41.88% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HSBC | 65Neutral | $292.94B | 11.04 | 14.16% | 4.38% | -1.12% | 62.58% |
| ANZGY | 64Neutral | $86.46B | 20.61 | 8.30% | 3.88% | -4.06% | -11.28% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| ANZGY | Australia & New Zealand Banking Group | 28.71 | 5.69 | 24.71% | |
| HSBC | HSBC Holdings plc | 85.42 | 18.05 | 26.79% | |
| ING | Ing Groep N.V. | 31.46 | 7.24 | 29.89% | |
| MUFG | Mitsubishi Ufj Financial | 21.56 | 6.39 | 42.12% | |
| SMFG | Sumitomo Mitsui Financial | 24.20 | 7.85 | 48.01% | |
| WFC | Wells Fargo & Company | 83.40 | -2.04 | -2.38% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 06, 2026