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National Australia Bank Limited (DE:NAL)
FRANKFURT:NAL

National Australia Bank Limited (NAL) Price & Analysis

3 Followers

NAL Stock Chart & Stats

€24.66
€0.04(0.14%)
At close: 4:00 PM EDT
€24.66
€0.04(0.14%)

Bulls Say, Bears Say

Bulls Say
Business Lending Scale And GrowthStrong business lending growth and sizeable market shares indicate durable customer relationships and competitive positioning in an important banking segment. Continued expansion in business credit can support recurring net interest income, fee opportunities and cross-selling across commercial customers.
Deposit Growth And Customer AcquisitionGrowth in transaction balances and new account openings strengthens NAB’s stable deposit funding base and expands the pool of customers for future lending, payments and banking services. A broader primary relationship can support retention, recurring income and lower reliance on wholesale funding.
Strong Capital And Liquidity BuffersCapital and liquidity remain well above regulatory minimums, giving NAB capacity to absorb credit losses and continue serving customers through changing conditions. The planned capital actions further reinforce balance-sheet resilience and provide flexibility for lending and investment.
Bears Say
Persistently High LeverageNAB’s persistently high leverage increases the effect that credit deterioration, funding-market stress or weaker asset values could have on shareholder returns and financial flexibility. Although common for banking, this structure leaves less tolerance for adverse credit-cycle developments.
Higher Credit Provisions And Asset-quality RiskRising impairment charges and larger forward-looking provisions indicate that management is allowing for more credit risk, which can reduce earnings and capital generation if conditions weaken. The increase in impaired assets adds uncertainty to future loan-loss costs across the portfolio.
Volatile Cash GenerationLarge multi-year swings in operating and free cash flow make underlying cash generation less consistent, even though 2025 rebounded to positive free cash flow. This variability can complicate capital planning and reduce confidence in internally generated funding over time.

National Australia Bank Limited News

NAL FAQ

What was National Australia Bank Limited’s price range in the past 12 months?
National Australia Bank Limited lowest stock price was €21.54 and its highest was €29.23 in the past 12 months.
    What is National Australia Bank Limited’s market cap?
    National Australia Bank Limited’s market cap is €74.33B.
      When is National Australia Bank Limited’s upcoming earnings report date?
      National Australia Bank Limited’s upcoming earnings report date is Nov 05, 2026 which is in 49 days.
        How were National Australia Bank Limited’s earnings last quarter?
        National Australia Bank Limited released its earnings results on May 03, 2026. The company reported €0.723 earnings per share for the quarter, beating the consensus estimate of €0.593 by €0.13.
          Is National Australia Bank Limited overvalued?
          According to Wall Street analysts National Australia Bank Limited’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does National Australia Bank Limited pay dividends?
            National Australia Bank Limited does not currently pay dividends.
            What is National Australia Bank Limited’s EPS estimate?
            National Australia Bank Limited’s EPS estimate is 0.73.
              How many shares outstanding does National Australia Bank Limited have?
              National Australia Bank Limited has 3,117,477,000 shares outstanding.
                What happened to National Australia Bank Limited’s price movement after its last earnings report?
                National Australia Bank Limited reported an EPS of €0.723 in its last earnings report, beating expectations of €0.593. Following the earnings report the stock price went down -3.096%.
                  Which hedge fund is a major shareholder of National Australia Bank Limited?
                  Currently, no hedge funds are holding shares in DE:NAL
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    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.

                    National Australia Bank Limited (NAL) Earnings & Revenues

                    NAL Company Deck

                    NAL Earnings Call

                    Q2 2026
                    0:00 / 0:00
                    Earnings Call Sentiment|Neutral
                    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 summaries

                    NAL Stock 12 Month Forecast

                    Average Price Target

                    €24.09
                    ▼(-2.31% Downside)
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4,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 5, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 6</span>\n      ","marker":{"lineColor":"#912767","enabled":true,"symbol":"circle"}},{"y":24.167,"date":1769904000000,"info":" <span style=\"color:#828080\" class=\"mb3 mt2 fonth8_semibold\"> Hold</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 6,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 3, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 7</span>\n      ","marker":{"lineColor":"#828080","enabled":true,"symbol":"circle"}},{"y":27.539,"date":1772323200000,"info":" <span style=\"color:#912767\" class=\"mb3 mt2 fonth8_semibold\"> Moderate Sell</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 7,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 4, \t&nbsp;</span>\n        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