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Also traded in: Canada, Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 4.10
NTIOF's Cash-to-Debt is ranked higher than
59% of the 1592 Companies
in the Global Banks - Global industry.

( Industry Median: 2.23 vs. NTIOF: 4.10 )
Ranked among companies with meaningful Cash-to-Debt only.
NTIOF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 3.14 Max: No Debt
Current: 4.1
Equity-to-Asset 0.05
NTIOF's Equity-to-Asset is ranked lower than
92% of the 1591 Companies
in the Global Banks - Global industry.

( Industry Median: 0.10 vs. NTIOF: 0.05 )
Ranked among companies with meaningful Equity-to-Asset only.
NTIOF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.05 Max: 0.06
Current: 0.05
0.04
0.06
Interest Coverage 0.89
NTIOF's Interest Coverage is ranked lower than
69% of the 1515 Companies
in the Global Banks - Global industry.

( Industry Median: 1.69 vs. NTIOF: 0.89 )
Ranked among companies with meaningful Interest Coverage only.
NTIOF' s Interest Coverage Range Over the Past 10 Years
Min: 0.21  Med: 0.93 Max: 1.35
Current: 0.89
0.21
1.35
Beneish M-Score: -2.06
WACC vs ROIC
16.42%
27.23%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 28.49
NTIOF's Operating Margin % is ranked lower than
58% of the 1606 Companies
in the Global Banks - Global industry.

( Industry Median: 31.37 vs. NTIOF: 28.49 )
Ranked among companies with meaningful Operating Margin % only.
NTIOF' s Operating Margin % Range Over the Past 10 Years
Min: 22.43  Med: 32.69 Max: 36.89
Current: 28.49
22.43
36.89
Net Margin % 22.96
NTIOF's Net Margin % is ranked higher than
51% of the 1605 Companies
in the Global Banks - Global industry.

( Industry Median: 22.70 vs. NTIOF: 22.96 )
Ranked among companies with meaningful Net Margin % only.
NTIOF' s Net Margin % Range Over the Past 10 Years
Min: 15.34  Med: 25.17 Max: 29.38
Current: 22.96
15.34
29.38
ROE % 12.15
NTIOF's ROE % is ranked higher than
72% of the 1603 Companies
in the Global Banks - Global industry.

( Industry Median: 8.58 vs. NTIOF: 12.15 )
Ranked among companies with meaningful ROE % only.
NTIOF' s ROE % Range Over the Past 10 Years
Min: 10.23  Med: 14.95 Max: 22.16
Current: 12.15
10.23
22.16
ROA % 0.62
NTIOF's ROA % is ranked lower than
67% of the 1612 Companies
in the Global Banks - Global industry.

( Industry Median: 0.90 vs. NTIOF: 0.62 )
Ranked among companies with meaningful ROA % only.
NTIOF' s ROA % Range Over the Past 10 Years
Min: 0.47  Med: 0.73 Max: 0.91
Current: 0.62
0.47
0.91
3-Year Revenue Growth Rate 2.90
NTIOF's 3-Year Revenue Growth Rate is ranked lower than
57% of the 1354 Companies
in the Global Banks - Global industry.

( Industry Median: 4.20 vs. NTIOF: 2.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NTIOF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -3.3  Med: 5.6 Max: 17.3
Current: 2.9
-3.3
17.3
3-Year EBITDA Growth Rate -1.60
NTIOF's 3-Year EBITDA Growth Rate is ranked lower than
74% of the 1256 Companies
in the Global Banks - Global industry.

( Industry Median: 6.40 vs. NTIOF: -1.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NTIOF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -8.2  Med: 5.6 Max: 17.9
Current: -1.6
-8.2
17.9
3-Year EPS without NRI Growth Rate -8.60
NTIOF's 3-Year EPS without NRI Growth Rate is ranked lower than
83% of the 1226 Companies
in the Global Banks - Global industry.

( Industry Median: 7.40 vs. NTIOF: -8.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NTIOF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -8.6  Med: 10.5 Max: 45.5
Current: -8.6
-8.6
45.5
GuruFocus has detected 5 Warning Signs with National Bank of Canada $NTIOF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NTIOF's 10-Y Financials

Financials (Next Earnings Date: 2017-06-01 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Preferred stocks of National Bank of Canada

SymbolPriceYieldDescription
NA.PR.M.Canada25.505.886 % Non-Cum First Pfd Shs Series -20
NA.PR.Q.Canada24.833.83Non-Cum First Pfd Shs Series -28-
NA.PR.S.Canada22.404.58Non-Cum First Pfd Shs Series -30
NA.PR.W.Canada21.714.49Non-Cum First Pfd Shs Series -32-
NA.PR.X.Canada27.205.155.6% Fixed -Series -34-
NA.PR.A.Canada27.004.62Non-Cum Red 1st Pfd Shs

Business Description

Industry: Banks » Banks - Global    NAICS: 522110    SIC: 7029
Compare:OTCPK:JBAXY, NAS:EWBC, OTCPK:FANDY, OTCPK:MLYBY, OTCPK:AOZOY, OTCPK:NBGGY, OTCPK:EFGXY, NYSE:NTB, OTCPK:SVNLY, OTCPK:AKBKF, OTCPK:GHDS, OTCPK:CSGKF, OTCPK:SCBFF, NYSE:CM, NYSE:RBS, OTCPK:BCLYF, NYSE:BMO, NYSE:SMFG, NYSE:BBVA, OTCPK:BCMXY » details
Traded in other countries:NA.Canada, NBC.Germany,
Headquarter Location:Canada
National Bank of Canada provides financial services to consumers, small and medium-sized enterprises, and large corporations. It operates through three segments; Personal and Commercial, Wealth Management and Financial Markets.

With more than CAD 200 billion in assets and three operating segments (Canadian banking, wealth management, and financial markets), National Bank of Canada is the sixth-largest bank in Canada. It competes almost exclusively in Canada, with a large segment of its business from operations in Quebec.

Ratios

vs
industry
vs
history
PE Ratio 13.34
NTIOF's PE Ratio is ranked higher than
52% of the 1510 Companies
in the Global Banks - Global industry.

( Industry Median: 14.59 vs. NTIOF: 13.34 )
Ranked among companies with meaningful PE Ratio only.
NTIOF' s PE Ratio Range Over the Past 10 Years
Min: 6.17  Med: 11.05 Max: 18.42
Current: 13.34
6.17
18.42
Forward PE Ratio 10.27
NTIOF's Forward PE Ratio is ranked higher than
76% of the 839 Companies
in the Global Banks - Global industry.

( Industry Median: 13.93 vs. NTIOF: 10.27 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 13.34
NTIOF's PE Ratio without NRI is ranked higher than
52% of the 1477 Companies
in the Global Banks - Global industry.

( Industry Median: 14.63 vs. NTIOF: 13.34 )
Ranked among companies with meaningful PE Ratio without NRI only.
NTIOF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.14  Med: 11.05 Max: 18.48
Current: 13.34
6.14
18.48
Price-to-Owner-Earnings 3.65
NTIOF's Price-to-Owner-Earnings is ranked higher than
82% of the 882 Companies
in the Global Banks - Global industry.

( Industry Median: 14.21 vs. NTIOF: 3.65 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
NTIOF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.21  Med: 5.49 Max: 69.78
Current: 3.65
1.21
69.78
PB Ratio 1.78
NTIOF's PB Ratio is ranked lower than
82% of the 1611 Companies
in the Global Banks - Global industry.

( Industry Median: 1.20 vs. NTIOF: 1.78 )
Ranked among companies with meaningful PB Ratio only.
NTIOF' s PB Ratio Range Over the Past 10 Years
Min: 0.97  Med: 1.84 Max: 2.44
Current: 1.78
0.97
2.44
PS Ratio 2.89
NTIOF's PS Ratio is ranked higher than
57% of the 1586 Companies
in the Global Banks - Global industry.

( Industry Median: 3.40 vs. NTIOF: 2.89 )
Ranked among companies with meaningful PS Ratio only.
NTIOF' s PS Ratio Range Over the Past 10 Years
Min: 1.21  Med: 2.52 Max: 3.31
Current: 2.89
1.21
3.31
Price-to-Free-Cash-Flow 3.14
NTIOF's Price-to-Free-Cash-Flow is ranked higher than
78% of the 870 Companies
in the Global Banks - Global industry.

( Industry Median: 12.33 vs. NTIOF: 3.14 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
NTIOF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.2  Med: 5.13 Max: 48.4
Current: 3.14
1.2
48.4
Price-to-Operating-Cash-Flow 3.00
NTIOF's Price-to-Operating-Cash-Flow is ranked higher than
77% of the 940 Companies
in the Global Banks - Global industry.

( Industry Median: 10.82 vs. NTIOF: 3.00 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
NTIOF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.18  Med: 4.54 Max: 21.96
Current: 3
1.18
21.96
EV-to-EBIT 8.17
NTIOF's EV-to-EBIT is ranked higher than
66% of the 1668 Companies
in the Global Banks - Global industry.

( Industry Median: 12.52 vs. NTIOF: 8.17 )
Ranked among companies with meaningful EV-to-EBIT only.
NTIOF' s EV-to-EBIT Range Over the Past 10 Years
Min: 1  Med: 8.5 Max: 26.5
Current: 8.17
1
26.5
EV-to-EBITDA 6.63
NTIOF's EV-to-EBITDA is ranked higher than
69% of the 1685 Companies
in the Global Banks - Global industry.

( Industry Median: 11.29 vs. NTIOF: 6.63 )
Ranked among companies with meaningful EV-to-EBITDA only.
NTIOF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1  Med: 7.5 Max: 24.4
Current: 6.63
1
24.4
PEG Ratio 11.42
NTIOF's PEG Ratio is ranked lower than
95% of the 811 Companies
in the Global Banks - Global industry.

( Industry Median: 1.43 vs. NTIOF: 11.42 )
Ranked among companies with meaningful PEG Ratio only.
NTIOF' s PEG Ratio Range Over the Past 10 Years
Min: 0.37  Med: 1.61 Max: 1694
Current: 11.42
0.37
1694
Shiller PE Ratio 14.26
NTIOF's Shiller PE Ratio is ranked higher than
73% of the 479 Companies
in the Global Banks - Global industry.

( Industry Median: 20.93 vs. NTIOF: 14.26 )
Ranked among companies with meaningful Shiller PE Ratio only.
NTIOF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.44  Med: 14 Max: 20.9
Current: 14.26
7.44
20.9

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.36
NTIOF's Dividend Yield % is ranked higher than
74% of the 2319 Companies
in the Global Banks - Global industry.

( Industry Median: 2.69 vs. NTIOF: 4.36 )
Ranked among companies with meaningful Dividend Yield % only.
NTIOF' s Dividend Yield % Range Over the Past 10 Years
Min: 2.93  Med: 4.02 Max: 8.59
Current: 4.36
2.93
8.59
Dividend Payout Ratio 0.56
NTIOF's Dividend Payout Ratio is ranked lower than
81% of the 1315 Companies
in the Global Banks - Global industry.

( Industry Median: 0.33 vs. NTIOF: 0.56 )
Ranked among companies with meaningful Dividend Payout Ratio only.
NTIOF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.33  Med: 0.44 Max: 0.71
Current: 0.56
0.33
0.71
3-Year Dividend Growth Rate 8.60
NTIOF's 3-Year Dividend Growth Rate is ranked higher than
54% of the 768 Companies
in the Global Banks - Global industry.

( Industry Median: 7.20 vs. NTIOF: 8.60 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
NTIOF' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 2.8  Med: 11.1 Max: 22.7
Current: 8.6
2.8
22.7
Forward Dividend Yield % 4.35
NTIOF's Forward Dividend Yield % is ranked higher than
71% of the 2248 Companies
in the Global Banks - Global industry.

( Industry Median: 2.73 vs. NTIOF: 4.35 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 6.85
NTIOF's 5-Year Yield-on-Cost % is ranked higher than
79% of the 2649 Companies
in the Global Banks - Global industry.

( Industry Median: 3.31 vs. NTIOF: 6.85 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NTIOF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.68  Med: 6.42 Max: 13.71
Current: 6.85
4.68
13.71
3-Year Average Share Buyback Ratio -1.20
NTIOF's 3-Year Average Share Buyback Ratio is ranked higher than
55% of the 1042 Companies
in the Global Banks - Global industry.

( Industry Median: -1.80 vs. NTIOF: -1.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NTIOF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -4.1  Med: -0.2 Max: 4.2
Current: -1.2
-4.1
4.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.39
NTIOF's Price-to-Tangible-Book is ranked lower than
88% of the 1576 Companies
in the Global Banks - Global industry.

( Industry Median: 1.27 vs. NTIOF: 2.39 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NTIOF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.79  Med: 2.17 Max: 3.03
Current: 2.39
0.79
3.03
Price-to-Intrinsic-Value-Projected-FCF 0.49
NTIOF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
75% of the 869 Companies
in the Global Banks - Global industry.

( Industry Median: 0.78 vs. NTIOF: 0.49 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
NTIOF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.34  Med: 0.95 Max: 21.4
Current: 0.49
0.34
21.4
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.01
NTIOF's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
64% of the 139 Companies
in the Global Banks - Global industry.

( Industry Median: 0.85 vs. NTIOF: 1.01 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.15
NTIOF's Price-to-Median-PS-Value is ranked lower than
58% of the 1462 Companies
in the Global Banks - Global industry.

( Industry Median: 1.14 vs. NTIOF: 1.15 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NTIOF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.27  Med: 0.86 Max: 1.27
Current: 1.15
0.27
1.27
Price-to-Graham-Number 1.19
NTIOF's Price-to-Graham-Number is ranked lower than
71% of the 1364 Companies
in the Global Banks - Global industry.

( Industry Median: 0.96 vs. NTIOF: 1.19 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NTIOF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.51  Med: 1.03 Max: 1.4
Current: 1.19
0.51
1.4
Earnings Yield (Greenblatt) % 12.25
NTIOF's Earnings Yield (Greenblatt) % is ranked higher than
73% of the 2207 Companies
in the Global Banks - Global industry.

( Industry Median: 5.95 vs. NTIOF: 12.25 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NTIOF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3.8  Med: 11.7 Max: 98.9
Current: 12.25
3.8
98.9
Forward Rate of Return (Yacktman) % 16.48
NTIOF's Forward Rate of Return (Yacktman) % is ranked higher than
62% of the 890 Companies
in the Global Banks - Global industry.

( Industry Median: 11.45 vs. NTIOF: 16.48 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
NTIOF' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -26.2  Med: 4.95 Max: 29.3
Current: 16.48
-26.2
29.3

More Statistics

Revenue (TTM) (Mil) $4,727
EPS (TTM) $ 3.01
Beta1.50
Short Percentage of Float0.00%
52-Week Range $31.68 - 44.80
Shares Outstanding (Mil)340.81

Analyst Estimate

Oct17 Oct18 Oct19
Revenue (Mil $) 4,953 5,149
EPS ($) 3.89 4.10 4.39
EPS without NRI ($) 3.89 4.10 4.39
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for NTIOF

Headlines

Articles On GuruFocus.com
ONGO Announces Strategic Partnership With National Bank Of Canada Apr 20 2017 
Tweedy, Browne Fund 3rd Quarter Commentary Oct 28 2016 
Canadian Bank Stocks Provide a Defensive Hedge gainst any serious correction Oct 05 2014 
Is There Growth Left Inside the Canadian Banks and Telecom Sectors? Aug 20 2014 
Banks Running Into Headwinds: BNS, TSX:NA, TD, JPM Sep 08 2013 
Insider Analysis on American and Canadian Banking Sector May 07 2013 
Canadian Banks Downplay Good Results: TD, MFC, BNS, NTIOF, IFCZF Oct 27 2012 
A Solid but Unexciting Year for Banks Mar 03 2012 
Canadian Banks Still Good Value Oct 29 2011 

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