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National Australia Bank Limited (NAB) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

National Australia Bank Limited

NABMarket cap $83BPrice $26.8

Country🇦🇺Australia

SectorFinancials

IndustryBanks

National Australia Bank operates branches and digital banking across Australia and New Zealand, serving 9 million customers. Australia's second-largest bank by market cap, handling one in four home loans nationwide.

In Bastion Portfolios?

52W Return-1%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+4%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+5%–

Rev CAGR (5y)+5%5

Earnings Forecast

EPS Growth Y+1-2%3

EPS Growth Y+2+20%8

EPS Growth Y+3+2%4

Quality

Margins

EBIT Margin0%5

Net Income Margin29%9

Free Cash Flow Margin-122%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE10%5

ROAna–

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)165

P/E Ratio (Forward 3y)155

P/BV2.07

EV Multiples

EV/EBITDA Fwd05

EV/EBIT Fwd05

Yield

Free Cash Flow Yield0.0%6

Dividend Yieldna–

Momentum

Short term

1 month return-2%7

3 month return-1%6

YTD return-6%4

Mid term

Price vs 52wHigh79%5

1 year return-9%3

Long term

3 year return+54%6

5 year return+77%7

Risk Shield

Price Risk

Beta0.57

Volatility22%9

Free Cash Flow

Free Cash Flow Margin-122%1

Free Cash Flow Yield0.0%6

Quality

ROCE6%–

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

NABNational Australia Bank

Revenue FY25$13.3B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+4%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-2%3

EPS growth, FY27E+20%8

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 5%/yr over the next 3 years, in line with the market.5/10

Revenue grew 4%/yr over the last 3 years and is set to keep growing around 5%/yr.

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

Earnings are set to grow in step with sales (EPS about 2%/yr vs revenue 5%/yr). One year dips: EPS falls 2% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

NABNational Australia Bank

Total return Current100%

Price return Current25.7%

MOMENTUM RATING↗

AVERAGE51 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return-1%6

YTD return-6%4

MID & LONG-TERM▾SCORE

% of 52-week high79%5

1-year return-9%3

3-year return+54%6

5-year return+77%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +54% over three years and +77% over five, ahead of 60% of the market.

Strong recent results. The stock is outperforming over the past month (-2%).

WATCH

It's down 9% over the past year, now 21% below its 52-week high. That is a touch behind the market.

Returns sit at the market level over three months (-1%) and so far this year (-6%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on NAB. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

NABNational Australia Bank

Revenue FY25$13.3B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+4%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-2%3

EPS growth, FY27E+20%8

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 5%/yr over the next 3 years, in line with the market.5/10

Revenue grew 4%/yr over the last 3 years and is set to keep growing around 5%/yr.

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

Earnings are set to grow in step with sales (EPS about 2%/yr vs revenue 5%/yr). One year dips: EPS falls 2% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

NABNational Australia Bank

Total return Current100%

Price return Current25.7%

MOMENTUM RATING↗

AVERAGE51 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return-1%6

YTD return-6%4

MID & LONG-TERM▾SCORE

% of 52-week high79%5

1-year return-9%3

3-year return+54%6

5-year return+77%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +54% over three years and +77% over five, ahead of 60% of the market.

Strong recent results. The stock is outperforming over the past month (-2%).

WATCH

It's down 9% over the past year, now 21% below its 52-week high. That is a touch behind the market.

Returns sit at the market level over three months (-1%) and so far this year (-6%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on NAB. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community