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ANZ Group Holdings (AU:ANZ)
ASX:ANZ

ANZ Group Holdings (ANZ) AI Stock Analysis

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AU

ANZ Group Holdings

(Sydney:ANZ)

Rating:74Outperform
Price Target:
ANZ Group Holdings demonstrates strong financial health and stability, which is a significant strength. The stock's valuation is fair, with an attractive dividend yield that appeals to income investors. Technical indicators suggest a neutral market sentiment but highlight potential overbought conditions. Overall, the company's strong financial fundamentals and reasonable valuation support a positive outlook, though slight caution is advised due to technical signals.

ANZ Group Holdings (ANZ) vs. iShares MSCI Australia ETF (EWA)

ANZ Group Holdings Business Overview & Revenue Model

Company DescriptionAustralia and New Zealand Banking Group Limited provides various banking and financial products and services in Australia and internationally. Its Australia Retail division offers home and personal loans, deposits, and credit cards through the branch network, home loan specialists, contact centers, self-service channels, and third-party brokers, as well as financial planning services. Its Australia Commercial division provides asset financing for small business owners, medium and large commercial customers, high net worth individuals, and family groups. The company's Institutional division offers documentary trade, supply chain and commodity financing, cash management solutions, deposits, payments, and clearing services; loan syndication, loan structuring and execution, project and export finance, debt structuring and acquisition finance, and corporate advisory services, as well as loan products; and risk management services. It serves governments, and global institutional and corporate customers. The company's New Zealand division provides banking and wealth management services to consumer, and private banking and small business banking customers through its Internet and app-based digital solutions, network of branches, mortgage specialists, relationship managers, and contact centers; and traditional relationship banking and financial solutions for small, medium, and large enterprises, agricultural business segments, and government and government-related entities. Its Pacific division offers retail products, and traditional relationship banking and financial solutions. This division serves retail customers, small to medium-sized enterprises, institutional customers, and governments. The company was founded in 1835 and is based in Melbourne, Australia.
How the Company Makes MoneyANZ Group Holdings generates revenue primarily through interest income from its lending activities, including home loans, personal loans, and business loans. The bank also earns money from non-interest income sources, such as fees for banking services, investment products, wealth management, and insurance services. Additionally, ANZ engages in trading and investment activities, which contribute to its earnings through gains on financial instruments. Strategic partnerships and alliances, particularly in Asia-Pacific markets, enhance its capability to offer a diversified range of financial products, further bolstering its revenue streams. The bank's significant presence in both retail and institutional banking sectors allows it to capitalize on cross-selling opportunities, thereby enhancing its profitability.

ANZ Group Holdings Financial Statement Overview

Summary
ANZ Group Holdings exhibits a robust financial position with consistent revenue growth and strong cash flow. The balance sheet is solid with low leverage, enhancing financial stability. While profitability dipped slightly in the latest year, the overall financial health remains strong, supported by effective cash flow management and a stable equity base.
Income Statement
78
Positive
ANZ Group Holdings shows a consistent revenue growth over the years, except for a drop in 2020. The gross profit margin remains stable as the gross profit equals total revenue. The net profit margin has slightly decreased from 2023 to 2024, indicating a minor dip in profitability. The absence of EBIT and EBITDA in 2024 affects the analysis of operational efficiency.
Balance Sheet
85
Very Positive
The company's balance sheet reflects strong equity with a healthy equity ratio, as stockholders' equity forms a substantial part of total assets. The debt-to-equity ratio is low due to zero total debt in 2024, indicating financial stability. Return on equity is stable, showing consistent profitability relative to equity levels.
Cash Flow
82
Very Positive
Operating cash flow is strong, demonstrating effective cash generation from core business activities. Free cash flow has grown significantly, showcasing improved cash availability for business investments and shareholder returns. The ratios of operating and free cash flow to net income indicate strong cash flow management.
Breakdown
Sep 2024Sep 2023Sep 2022Sep 2021Sep 2020
Income StatementTotal Revenue
20.36B20.28B18.94B17.83B30.02B
Gross Profit
20.36B20.28B18.94B17.83B30.02B
EBIT
9.96B10.02B18.79B8.92B56.00M
EBITDA
0.0010.77B10.91B10.20B0.00
Net Income Common Stockholders
6.54B7.10B7.12B6.16B3.58B
Balance SheetCash, Cash Equivalents and Short-Term Investments
112.99B146.44B157.53B141.89B-87.43B
Total Assets
1.23T1.11T1.09T978.86B1.04T
Total Debt
0.00150.08B134.00B126.74B217.15B
Net Debt
-112.99B3.64B-23.53B-15.15B136.49B
Total Liabilities
1.16T1.04T1.02T126.74B980.99B
Stockholders Equity
69.86B69.52B65.91B63.66B61.29B
Cash FlowFree Cash Flow
9.95B5.88B19.52B43.81B8.74B
Operating Cash Flow
9.95B6.49B20.18B43.82B9.33B
Investing Cash Flow
-42.12B-10.69B-1.82B10.26B-20.39B
Financing Cash Flow
17.91B4.38B-2.35B-9.67B39.44B

ANZ Group Holdings Technical Analysis

Technical Analysis Sentiment
Positive
Last Price28.88
Price Trends
50DMA
28.14
Positive
100DMA
28.55
Positive
200DMA
28.92
Positive
Market Momentum
MACD
0.22
Positive
RSI
56.45
Neutral
STOCH
55.88
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:ANZ, the sentiment is Positive. The current price of 28.88 is above the 20-day moving average (MA) of 28.82, above the 50-day MA of 28.14, and below the 200-day MA of 28.92, indicating a bullish trend. The MACD of 0.22 indicates Positive momentum. The RSI at 56.45 is Neutral, neither overbought nor oversold. The STOCH value of 55.88 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:ANZ.

ANZ Group Holdings Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
AUANZ
74
Outperform
$86.22B12.809.75%5.86%20.95%-7.97%
64
Neutral
$12.67B9.747.58%17015.08%12.21%-6.96%
$4.35B13.776.89%5.40%
$49.29B21.1210.63%3.15%
$74.12B17.4211.51%4.38%
$69.84B15.509.85%5.07%
AUCBA
54
Neutral
AU$293.13B30.0213.22%2.71%17.35%0.73%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:ANZ
ANZ Group Holdings
28.88
2.49
9.44%
BXRBF
Bendigo & Adelaide Bank
7.71
0.88
12.88%
MCQEF
Macquarie Group Limited
134.25
15.97
13.50%
NAUBF
National Australia Bank Limited
25.40
4.30
20.38%
WEBNF
Westpac Banking
20.50
4.30
26.54%
AU:CBA
Commonwealth Bank of Australia
173.79
59.18
51.64%

ANZ Group Holdings Corporate Events

ANZ Group Holdings Announces Cessation of Securities
Apr 9, 2025

ANZ Group Holdings Limited announced the cessation of 20,242 options/rights securities as of February 27, 2025. This change in their issued capital may impact the company’s financial structure and could have implications for stakeholders, reflecting adjustments in their securities management strategy.

ANZ Group Holdings Announces Cessation of Securities
Apr 9, 2025

ANZ Group Holdings Limited announced the cessation of 38,710 securities due to the lapse of conditional rights, as the conditions were not met or became incapable of being satisfied. This development may impact the company’s capital structure and could have implications for stakeholders, reflecting on the company’s operational adjustments in response to unmet conditions.

ANZ Group Holdings Issues New Equity Securities
Apr 9, 2025

ANZ Group Holdings Limited announced the issuance of 326,020 ordinary fully paid securities, effective March 3, 2025. This move involves the conversion or payment up of unquoted equity securities, which may impact the company’s financial structure and stakeholder interests by potentially increasing the equity base.

ANZ Group Holdings Reports Change in Voting Share Control
Apr 7, 2025

ANZ Group Holdings Limited has issued a notice under the Corporations Act Subsection 259C(2), detailing the change in the aggregated percentage of voting shares controlled by its associated entities. As of April 4, 2025, the company reported a decrease in both the number and percentage of voting shares from 0.08% to 0.03%, highlighting a reduced net economic exposure. This announcement reflects ANZ’s ongoing compliance with regulatory requirements and may impact its market positioning by indicating a shift in shareholder dynamics.

ANZ Group Issues Unquoted Equity Securities to Employees
Mar 31, 2025

ANZ Group Holdings Limited announced the issuance of 43,607 unquoted equity securities in the form of options or rights under an employee incentive scheme. This move is part of the company’s strategy to incentivize and retain talent, potentially impacting its operational efficiency and market competitiveness.

ANZ Group Holdings Updates on Share Buy-Back Progress
Mar 5, 2025

ANZ Group Holdings Limited has announced an update on its ongoing share buy-back program, with a daily notification indicating that 249,328 ordinary shares were bought back on the previous day by UBS Securities Australia Limited. This buy-back is part of a larger strategy, with a total of 38,734,627 shares repurchased prior to the previous day, reflecting the company’s efforts to manage its capital structure and potentially enhance shareholder value.

ANZ Group Holdings Updates on Share Buy-Back Program
Mar 4, 2025

ANZ Group Holdings Limited has announced an update regarding its ongoing share buy-back program. The company reported that on the previous day, 332,188 ordinary fully paid shares were bought back on-market by UBS Securities Australia Limited, adding to the total of 38,402,439 shares repurchased before that day. This buy-back initiative is part of ANZ’s strategy to manage its capital structure and return value to shareholders.

ANZ Group Holdings Updates on Share Buy-Back Program
Feb 25, 2025

ANZ Group Holdings Limited announced an update regarding its ongoing share buy-back program, with UBS Securities Australia Limited purchasing 186,212 ordinary shares on the previous day. This buy-back initiative is part of ANZ’s strategy to enhance shareholder value and optimize its capital structure, potentially impacting its market positioning and stakeholder interests.

ANZ Releases Suncorp Bank’s APS 330 Disclosure for 2024
Feb 24, 2025

ANZ has released Suncorp Bank’s APS 330 Pillar 3 Disclosure as of 31 December 2024, which was approved for distribution by ANZ’s Continuous Disclosure Committee. This release is part of regulatory requirements for public disclosure under Basel III, reflecting ANZ’s commitment to transparency and regulatory compliance in its banking operations.

ANZ Releases December 2024 APS 330 Pillar 3 Disclosure
Feb 19, 2025

ANZ has released its APS 330 Pillar 3 Disclosure for December 31, 2024, as approved by its Continuous Disclosure Committee. This disclosure, part of the Basel III framework, provides transparency into the bank’s risk management processes and capital adequacy, impacting its regulatory compliance and investor confidence.

ANZ Group Holdings Continues Share Buy-Back Program
Feb 17, 2025

ANZ Group Holdings Limited has announced a daily update on its on-market buy-back program, with 329,427 ordinary shares repurchased on the previous day by UBS Securities Australia Limited. This buy-back activity is part of the company’s ongoing strategy to manage its capital efficiently and potentially enhance shareholder value.

ANZBGL to Redeem All Outstanding Capital Notes 5
Feb 17, 2025

ANZBGL announced the redemption of all outstanding ANZ Capital Notes 5, initially issued in 2017, for their face value of $100 each, effective March 20, 2025. This move signifies a strategic financial decision but does not indicate an automatic redemption of other callable capital instruments, which would require APRA’s approval.

ANZ Group Holdings Updates on Share Buy-Back Program
Feb 13, 2025

ANZ Group Holdings Limited has announced an update on its ongoing share buy-back program. The company recently repurchased 236,252 of its ordinary fully paid shares on the market through UBS Securities Australia Limited. This buy-back is part of their capital management strategy, potentially enhancing shareholder value by reducing the number of outstanding shares.

ANZ Group Continues Share Buy-Back Program to Optimize Capital Structure
Feb 11, 2025

ANZ Group Holdings Limited has announced an update on its ongoing buy-back program, with the recent purchase of 310,991 of its ordinary shares, facilitated by UBS Securities Australia Limited. This buy-back initiative is part of ANZ’s strategy to optimize its capital structure and enhance shareholder value, reflecting its strong financial position and commitment to returning capital to investors.

ANZ Group Holdings Updates Share Buy-Back Program
Feb 9, 2025

ANZ Group Holdings Limited announced an update on its buy-back program, indicating that a total of 350,022 ordinary shares were bought back on the previous day through on-market purchases by Macquarie Securities (Australia) Limited. This move is part of ANZ’s ongoing strategy to manage its capital structure and optimize shareholder value, reflecting the company’s commitment to returning capital to shareholders and enhancing its market positioning.

ANZ Director’s Shareholding Update
Feb 7, 2025

ANZ Group Holdings Limited reported a change in the director’s interest notice, specifically regarding Shayne Cary Elliott’s indirect interest in ANZ Ordinary Shares. On February 5, 2025, the director disposed of 12,500 ANZ Ordinary Shares held by Netwealth Investments Limited – Elliott Pty Ltd as trustee for the Elliott Family Trust, at a value of $30.194 per share. This adjustment results in a decrease in the total indirect interest holdings, impacting the company’s reported financial disclosures.

ANZ Group Holdings Updates on Share Buy-Back Program
Feb 6, 2025

ANZ Group Holdings Limited has announced an update regarding its ongoing buy-back of ordinary fully paid shares. The company reported that it bought back 424,559 additional shares on the previous day, with Macquarie Securities (Australia) Limited handling the on-market transactions. This buy-back is part of ANZ’s strategy to manage its capital more efficiently, potentially enhancing shareholder value and optimizing its balance sheet.

ANZ Continues Share Buy-Back Program
Feb 5, 2025

ANZ Group Holdings Limited has announced a daily update on its ongoing share buy-back program. On February 5, 2025, 335,759 ordinary shares were bought back on-market by Macquarie Securities (Australia) Limited, adding to a total of 35,949,049 shares bought back previously. This buy-back program is part of ANZ’s strategy to manage its capital structure effectively, which could potentially impact its share value and returns to shareholders.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.