National Australia Bank stock analysis
National Australia Bank (NAL0) Stock Price & Analysis
NAL0 Stock Chart & Stats
- Day’s Range
- EUR 11.70 - EUR 11.70
- 52-Week Range
- EUR 10.20 - EUR 14.10
- Previous Close
- EUR 11.70
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 75.11B
- Enterprise Value
- EUR 280.92B
- Total Cash (Recent Filing)
- EUR 139.56B
- Total Debt (Recent Filing)
- EUR 222.74B
- Price to Earnings (P/E)
- 19.4
- Beta
- 0.56
- Next Earnings
- May 05, 2027 (Est.)
- EPS Estimate
- 0.34
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.17%
Bulls Say, Bears Say
Bulls Say
Business Banking Growth
Strong business-banking growth and its increasing contribution to group profit support NAB’s core franchise and customer relevance. Rising lending, deposits, and transaction balances can deepen relationships and provide a durable earnings base, while diversification reduces reliance on personal banking alone.
Capital And Liquidity Strength
Healthy capital and liquidity buffers strengthen NAB’s ability to absorb credit losses, meet funding needs, and continue serving customers through changing conditions. The planned capital increase and ratios well above minimum requirements also provide flexibility for dividends and disciplined growth.
Productivity And Technology
Measured productivity savings and product simplification indicate progress toward a more efficient operating model. Sustained process, technology, and product improvements can support cost discipline, simplify customer interactions, and help offset investment demands over the next several years.
Bears Say
Volatile Cash Generation
Repeatedly volatile and recently negative operating and free cash flow weaken confidence in cash conversion and internal funding capacity. This can constrain flexibility for investment, distributions, and balance-sheet management, particularly if credit conditions deteriorate or funding costs rise.
Deteriorating Credit Quality
Higher impairments and worsening early-stage and nonperforming loan indicators suggest asset-quality pressure is broadening. If customer stress persists, additional provisions could reduce earnings, consume capital, and weaken returns across mortgage, business, and institutional lending.
Margin Compression
Competitive lending conditions and a less favorable deposit mix are reducing the spread NAB earns on its balance sheet. Persistent margin pressure can limit revenue growth even when loan and deposit balances expand, making efficiency gains and volume growth more important to protect profitability.
National Australia Bank News
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National Australia Bank Stock Smart Score
Company Description
National Australia Bank
Established in Melbourne, Australia, in 1834, National Australia Bank Limited (NABZY) is a prominent financial institution delivering a broad spectrum of banking and financial solutions. It serves individual customers and commercial clients across Australia, New Zealand, and international markets. The bank structures its operations through key segments such as Business and Private Banking, Personal Banking, Corporate and Institutional Banking, and New Zealand Banking, supported by Corporate Functions. NAB's offerings include a diverse range of deposit products, from standard transaction, savings, and term accounts to specialized options like foreign currency, business interest, statutory trust, and farm management accounts. Its lending services span home, personal, and business loans, vehicle and equipment financing, trade and invoice finance, alongside business overdrafts and bank guarantees. Furthermore, the company provides a comprehensive suite of insurance products, covering car, home and contents, landlord, travel, caravan and trailer, life, and business needs. Wealth management is another core area, encompassing pension and superannuation services, self-managed super funds, cash management, and financial planning and advisory. Additional services include various investment products, credit, debit, and business cards, payment processing and merchant services, travel support, robust online and internet banking platforms, dedicated small business solutions, international and foreign exchange capabilities, and sector-specific banking services.
- Sector
- Financial
- Industry
- Banks - Diversified
- CEO
- Andrew Francis Irvine
- Employees
- 43,271
- Website
- www.nab.com.au
- Address
- 395 Bourke Street, Melbourne, VIC, 3000, AU
National Australia Bank (NAL0) Earnings & Revenues
NAL0 Company Deck
NAL0 Earnings Call
Earnings Call SentimentNeutral
The call was cautiously balanced. NAB reported solid underlying profit growth, strong business-banking momentum, customer and market-share gains, improved capital and liquidity positions, substantial productivity savings, and continued progress in technology and AI. However, these positives were offset by a more challenging economic outlook, higher credit impairment charges, emerging customer stress, margin competition, elevated investment and restructuring costs, housing-market weakness, and expected asset-quality pressure in fiscal 2027.
View all DE:NAL0 earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 11 | 3 | 8 |
| Technical Analysis | 6 | 3 | 1 |
| Moving Averages | 5 | 0 | 7 |
