National Australia Bank Limited (NAL) Stock Price & Analysis
NAL Stock Chart & Stats
- Day’s Range
- EUR 25.82 - EUR 25.82
- 52-Week Range
- EUR 21.54 - EUR 29.24
- Previous Close
- EUR 25.83
- Volume
- 0
- Average Volume (3M)
- 7
- Market Cap
- EUR 81.24B
- Enterprise Value
- EUR 316.39B
- Total Cash (Recent Filing)
- EUR 1.77B
- Total Debt (Recent Filing)
- EUR 190.00B
- Price to Earnings (P/E)
- 20.8
- Beta
- 0.49
- Next Earnings
- Nov 05, 2026 (Est.)
- EPS Estimate
- 0.75
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 3.80%
Bulls Say, Bears Say
Bulls Say
Business Lending Position
Strong business-lending growth and leading SME exposure reinforce NAB’s relevance to commercial customers. This scale can support recurring interest and fee income, deepen customer relationships, and provide a durable platform for growth across business banking.
Deposit Growth
Growing transaction balances and at-call deposits strengthen NAB’s customer franchise while providing comparatively stable funding for lending. Broader primary-account relationships can also support payments, service and cross-selling revenue over the medium term.
Capital And Liquidity
Capital and liquidity remain well above regulatory minimums, giving NAB greater resilience against credit losses, funding stress and economic weakness. This supports continued lending capacity and preserves flexibility to absorb shocks while maintaining confidence in the balance sheet.
Bears Say
High Leverage
Persistently high leverage makes NAB’s balance sheet more sensitive to deterioration in credit quality and funding markets. Although leverage is characteristic of banking, the elevated level can amplify earnings pressure and constrain flexibility during a prolonged downturn.
Rising Credit Provisions
Higher impairment charges and provisions reduce current earnings and indicate that management sees greater potential credit risk ahead. If economic uncertainty persists, additional provisioning could weigh on profitability and dilute the benefit of underlying revenue and volume growth.
Lending Margin Pressure
Competitive pressure and timing lags between cash-rate changes and customer pricing are compressing lending margins. Persistent spread pressure would limit the earnings benefit from loan growth, requiring stronger volumes, deposit economics or productivity gains to protect returns.
National Australia Bank Limited News
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National Australia Bank Limited Stock Smart Score
Company Description
National Australia Bank Limited
National Australia Bank Limited (NAB) is a prominent financial institution delivering a broad spectrum of services to individual and business clients across Australia, New Zealand, and internationally. Its operations are organized into key divisions: Business and Private Banking, Personal Banking, Corporate and Institutional Banking, New Zealand Banking, and Corporate Functions and Other. NAB provides diverse deposit solutions, including everyday transaction and savings accounts, fixed-term deposits, and specialized accounts such as foreign currency, business interest, statutory trust, cash maximiser, community free saver, farm management, and project bank accounts, alongside farm management deposits. The bank also offers a comprehensive range of lending products, encompassing home loans, personal and business financing, vehicle and equipment finance, trade and invoice finance, business overdrafts, and bank guarantees. Furthermore, it supplies various insurance options, from car, home and contents, and landlord policies to travel, life, and general business coverage. Beyond traditional banking, NAB extends wealth management and advisory services, including pension and superannuation plans, self-managed super funds, cash management, and financial planning expertise. Moreover, it provides investment products, a variety of credit, debit, and business cards, and merchant payment processing. The institution also facilitates online and internet banking, offers travel services, supports small businesses, delivers international and foreign exchange solutions, and provides industry-specific banking services. Founded in 1834, National Australia Bank Limited is headquartered in Melbourne, Australia.
- Sector
- Financial
- Industry
- Banks - Diversified
- CEO
- Andrew Francis Irvine
- Employees
- 41,880
- Website
- www.nab.com.au
- Address
- 395 Bourke Street, Melbourne, VIC, 3000, AU
National Australia Bank Limited (NAL) Earnings & Revenues
NAL Earnings Call
Earnings Call SentimentNeutral
The call presented a mixed but resilient picture: strong underlying operating performance (underlying profit +6.4%, revenue +3.1%, robust business lending and deposit growth, improved customer advocacy and technology progress) was offset by a large one-off $1.35bn software amortization, higher credit impairment provisions ($300m forward-looking top-up; H1 charge $706m), and elevated uncertainty from the Middle East conflict which may moderate credit growth and pressure asset quality. Capital and liquidity remain well above regulatory minima and management took prudent capital actions (DRP discount and partial underwriting). Given the substantive operating positives tempered by meaningful one-off accounting impacts and increased provisioning for geopolitical-driven risk, the overall tone is balanced and cautious.
View all DE:NAL earnings summariesNAL Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 16 | 1 | 5 |
| Technical Analysis | 4 | 1 | 5 |
| Moving Averages | 12 | 0 | 0 |
