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National Australia Bank Limited (NAB.AX)

AUD39.71 -0.34 (-0.85%)
AU ASX Financial Services Banks - Diversified
Address 395 Bourke Street 3000
Melbourne, VIC, AU
CEO Andrew Francis Irvine
Website nab.com.au
IPO 1988-01-31
ISIN AU000000NAB4

Explore sections of this company profile

Also trades on Australian Securities Exchange · NAB.AX (AUD) Other OTC · NABZY (USD) Other OTC · NAUBF (USD)
Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
AUD39.71 -0.34 (-0.85%)
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Volume Profile
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Liquidity & share structure
Average Volume
6M
Beta
0.72
Float Shares
3.06B
Free Float %
99.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-2.09% -4.20% -17.50% -19.60% -12.30% -11.56% +4.85% +41.69% +40.99% +28.19% +852.16%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
39.71
DCF (Unlevered) 146.41 +268.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 13% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 2 0
Hold 5 0
Sell 6 -1
Strong Sell 2 +1
Quality scores
Altman Z-Score
-0.53
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B-
Overall Score
2 / 5
Medium
DCF Score
5 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
  • Revenue growth
    -3.1% Q1'26: +192.0% (vs Q1'24)
  • EPS growth
    -1.4% Q1'26: -18.2% (vs Q1'24)
  • FCF margin
    Q1'26: -36.4% (vs Q1'24)
  • EBIT margin
    Q1'26: +13.5% (vs Q1'24)
  • ROIC
    Q1'26: +4.4% (vs Q1'24)
  • Share dilution
    -4.9% Q1'26: -8.9% (vs Q1'24)
  • Debt / EBITDA
    Q1'26: 11.43× (vs Q1'24)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (1.30) × ERP
WACC = 30% × Ke + 70% × Kd (13.6%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 146.27 Current price: 39.71
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Sep 2010
actual
Sep 2011
actual
Sep 2012
actual
Sep 2013
actual
Sep 2014
actual
Sep 2015
actual
Sep 2016
actual
Sep 2017
actual
Sep 2018
actual
Sep 2019
actual
Sep 2020
actual
Sep 2021
actual
Sep 2022
actual
Sep 2023
actual
Sep 2024
actual
Sep 2025
actual
Sep 2026
13 Rev. Ana.
8 EPS Ana.
Sep 2027
13 Rev. Ana.
9 EPS Ana.
Sep 2028
13 Rev. Ana.
9 EPS Ana.
Sep 2029
10 Rev. Ana.
6 EPS Ana.
Revenue
37.11B
est: 16.60B (+123.6%)
38.91B
est: 18.12B (+114.7%)
47.20B
est: 18.28B (+158.2%)
48.88B
est: 19.02B (+157.0%)
44.47B
est: 19.16B (+132.1%)
38.99B
est: 19.82B (+96.7%)
36.20B
est: 17.72B (+104.2%)
31.63B
est: 17.90B (+76.7%)
33.53B
est: 18.05B (+85.8%)
33.13B
est: 17.47B (+89.6%)
26.33B
est: 17.32B (+52.0%)
20.92B
est: 16.89B (+23.9%)
25.87B
est: 18.35B (+40.9%)
51.90B
est: 19.47B (+166.6%)
62.16B
est: 20.30B (+206.3%)
60.25B
est: 20.84B (+189.0%)
22.10B
21.90B – 22.34B
+6.0% YoY
22.97B
22.52B – 23.37B
+3.9% YoY
23.57B
23.55B – 23.60B
+2.6% YoY
24.13B
23.78B – 24.47B
+2.4% YoY
EBITDA
6.35B
est: 5.23B (+21.3%)
7.35B
est: 5.71B (+28.7%)
6.80B
est: 5.76B (+18.1%)
8.73B
est: 6.00B (+45.6%)
8.46B
est: 6.04B (+40.1%)
10.07B
est: 6.25B (+61.3%)
9.60B
est: 5.59B (+71.8%)
9.40B
est: 17.75B (-47.1%)
9.18B
est: 5.69B (+61.4%)
9.71B
est: 5.51B (+76.3%)
7.07B
est: 5.46B (+29.5%)
10.11B
est: 5.33B (+89.9%)
10.86B
est: 5.79B (+87.6%)
11.67B
est: 5.76B (+102.7%)
11.19B
est: 6.00B (+86.5%)
10.26B
est: 6.16B (+66.5%)
6.53B
6.47B – 6.60B
+6.0% YoY
6.79B
6.66B – 6.91B
+3.9% YoY
6.97B
6.96B – 6.98B
+2.6% YoY
7.13B
7.03B – 7.24B
+2.4% YoY
EBIT
5.68B
est: 5.16B (+10.1%)
6.73B
est: 6.20B (+8.6%)
6.16B
est: 6.79B (-9.3%)
8.09B
est: 6.41B (+26.2%)
7.78B
est: 8.17B (-4.8%)
9.52B
est: 8.29B (+14.8%)
8.98B
est: 8.67B (+3.6%)
8.66B
est: 9.05B (-4.3%)
8.40B
est: 8.72B (-3.7%)
8.35B
est: 8.16B (+2.2%)
5.16B
est: 7.10B (-27.3%)
9.07B
est: 7.12B (+27.3%)
9.74B
est: 7.24B (+34.6%)
10.45B
est: 5.18B (+101.7%)
9.88B
est: 5.00B (+97.4%)
9.66B
est: 5.55B (+74.2%)
5.88B
5.83B – 5.95B
+6.0% YoY
6.11B
5.99B – 6.22B
+3.9% YoY
6.27B
6.27B – 6.28B
+2.6% YoY
6.42B
6.33B – 6.51B
+2.4% YoY
Net Income
4.22B
est: 2.68B (+57.7%)
5.22B
est: 4.61B (+13.2%)
4.08B
est: 5.26B (-22.5%)
5.36B
est: 4.25B (+26.1%)
5.30B
est: 5.43B (-2.6%)
6.34B
est: 5.52B (+14.9%)
352.00M
est: 5.77B (-93.9%)
5.29B
est: 354.94M (+1,389.0%)
5.55B
est: 5.32B (+4.4%)
4.80B
est: 5.40B (-11.1%)
2.56B
est: 4.75B (-46.1%)
6.36B
est: 4.76B (+33.7%)
6.89B
est: 7.47B (-7.8%)
7.41B
est: 7.03B (+5.5%)
6.96B
est: 6.95B (+0.1%)
6.76B
est: 7.25B (-6.8%)
6.63B
6.25B – 7.52B
-8.5% YoY
7.83B
7.40B – 8.21B
+18.2% YoY
7.99B
7.22B – 8.57B
+1.9% YoY
8.08B
7.92B – 8.23B
+1.1% YoY
SGA
2.28B
est: 13.90B (-83.6%)
2.14B
est: 16.07B (-86.7%)
2.40B
est: 11.45B (-79.0%)
2.33B
est: 1.26B (+84.7%)
3.84B
est: 1.27B (+202.0%)
2.28B
est: 1.32B (+73.5%)
2.17B
est: 13.26B (-83.6%)
2.23B
est: 13.68B (-83.7%)
2.65B
est: 11.17B (-76.3%)
2.30B
est: 10.40B (-77.9%)
2.37B
est: 11.62B (-79.6%)
2.04B
est: 11.65B (-82.5%)
2.41B
est: 11.84B (-79.6%)
1.42B
est: 1.35B (+5.2%)
1.47B
est: 1.30B (+12.8%)
6.27B
est: 1.44B (+334.5%)
1.53B
1.51B – 1.55B
+6.0% YoY
1.59B
1.56B – 1.62B
+3.9% YoY
1.63B
1.63B – 1.63B
+2.6% YoY
1.67B
1.64B – 1.69B
+2.4% YoY
EPS
1.89
est: 2.07 (-8.7%)
2.30
est: 2.45 (-6.2%)
1.75
est: 2.36 (-25.9%)
2.23
est: 2.49 (-10.5%)
2.14
est: 2.22 (-3.8%)
2.70
est: 2.51 (+7.7%)
2.33
est: 2.37 (-1.9%)
2.28
est: 2.41 (-5.3%)
1.90
est: 2.10 (-9.6%)
1.66
est: 1.82 (-8.8%)
0.82
est: 1.26 (-34.9%)
1.96
est: 1.93 (+1.6%)
2.14
est: 2.16 (-0.7%)
2.36
est: 2.25 (+4.8%)
2.25
est: 2.25 (0.0%)
2.21
est: 2.31 (-4.5%)
2.12
2.00 – 2.40
-8.3% YoY
2.49
2.36 – 2.62
+17.3% YoY
2.54
2.31 – 2.74
+2.1% YoY
2.58
2.53 – 2.63
+1.5% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-11 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-08 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-07 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-06 C+ 2/5 4/5 3/5 3/5 1/5 1/5 1/5
2026-05-05 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-04 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-05-01 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-04-30 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-04-29 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-04-28 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-04-27 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-04-24 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5
2026-04-23 B 3/5 5/5 3/5 4/5 1/5 1/5 2/5
2026-04-22 B 3/5 5/5 3/5 4/5 1/5 1/5 2/5
2026-04-21 B 3/5 5/5 3/5 4/5 1/5 1/5 2/5
2026-04-20 B 3/5 5/5 3/5 4/5 1/5 1/5 2/5
2026-04-17 B 3/5 5/5 3/5 4/5 1/5 2/5 2/5
2026-04-16 B 3/5 5/5 3/5 4/5 1/5 2/5 2/5
2026-04-15 B 3/5 5/5 3/5 4/5 1/5 2/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-40.36B
OE per share TTM
-12.41
Owner's Yield
-33.88%
Maintenance CapEx ratio
24.99%
Maint CapEx / Avg PPE
6.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
241.7K
Shares Outstanding
3.06B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Andrew Francis Irvine MD, Group Chief Executive Officer & Director 4M male
Patrick F. Wright Group Executive of Technology & Enterprise Operations 2M male
Shaun Dooley Group Chief Risk Officer 2M male
Daniel James Huggins MD & Chief Executive Officer of Bank of New Zealand 2M male
Lesile D. Matheson Group Chief Operating Officer 2M male
Andrew Brent Auerbach Group Executive of Business & Private Banking 2M male
Ana Marinkovic Group Executive, Personal Banking 2M female
Rachel Slade Group Executive of Personal Banking 1M female
Sarah White Group Executive of People & Culture 1M female
Inder Singh Group CFO & Group Executive, Strategy male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits