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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 4.10
NTIOF's Cash-to-Debt is ranked higher than
61% of the 1482 Companies
in the Global Banks - Global industry.

( Industry Median: 1.92 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: 3.49 Max: No Debt
Current: 4.1
Equity-to-Asset 0.05
NTIOF's Equity-to-Asset is ranked lower than
92% of the 1484 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
68% of the 1576 Companies
in the Global Banks - Global industry.

( Industry Median: 1.67 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
18.00%
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
56% of the 1497 Companies
in the Global Banks - Global industry.

( Industry Median: 30.60 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
54% of the 1496 Companies
in the Global Banks - Global industry.

( Industry Median: 21.84 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
76% of the 1495 Companies
in the Global Banks - Global industry.

( Industry Median: 8.26 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
65% of the 1504 Companies
in the Global Banks - Global industry.

( Industry Median: 0.87 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
55% of the 1300 Companies
in the Global Banks - Global industry.

( Industry Median: 3.80 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: 1.4  Med: 5.6 Max: 17.3
Current: 2.9
1.4
17.3
3-Year EBITDA Growth Rate -1.60
NTIOF's 3-Year EBITDA Growth Rate is ranked lower than
74% of the 1210 Companies
in the Global Banks - Global industry.

( Industry Median: 6.10 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: 7 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 1174 Companies
in the Global Banks - Global industry.

( Industry Median: 7.30 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.Canada24.553.89Non-Cum First Pfd Shs Series -28-
NA.PR.S.Canada22.194.61Non-Cum First Pfd Shs Series -30
NA.PR.W.Canada21.504.53Non-Cum First Pfd Shs Series -32-
NA.PR.X.Canada26.835.565.6% Fixed -Series -34-
NA.PR.A.Canada26.563.43Non-Cum Red 1st Pfd Shs

Business Description

Industry: Banks » Banks - Global    NAICS: 522110    SIC: 7029
Compare:OTCPK:MLYNF, OTCPK:JBAXY, NAS:EWBC, OTCPK:FANDY, OTCPK:AOZOY, OTCPK:SVNLY, OTCPK:NBGGY, NYSE:NTB, OTCPK:LFGP, OTCPK:SCBFF, OTCPK:CSGKF, NYSE:CM, NYSE:RBS, OTCPK:BCLYF, NYSE:BMO, NYSE:BBVA, NYSE:SMFG, NYSE:ING, NYSE:UBS, OTCPK:NABZY » details
Traded in other countries:NA.Canada, NBC.Germany,
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 14.09
NTIOF's PE Ratio is ranked lower than
51% of the 1638 Companies
in the Global Banks - Global industry.

( Industry Median: 14.36 vs. NTIOF: 14.09 )
Ranked among companies with meaningful PE Ratio only.
NTIOF' s PE Ratio Range Over the Past 10 Years
Min: 6.17  Med: 11.04 Max: 18.42
Current: 14.09
6.17
18.42
Forward PE Ratio 10.74
NTIOF's Forward PE Ratio is ranked higher than
79% of the 407 Companies
in the Global Banks - Global industry.

( Industry Median: 16.26 vs. NTIOF: 10.74 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 14.09
NTIOF's PE Ratio without NRI is ranked higher than
51% of the 1595 Companies
in the Global Banks - Global industry.

( Industry Median: 14.62 vs. NTIOF: 14.09 )
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: 11.04 Max: 18.48
Current: 14.09
6.14
18.48
Price-to-Owner-Earnings 3.86
NTIOF's Price-to-Owner-Earnings is ranked higher than
84% of the 860 Companies
in the Global Banks - Global industry.

( Industry Median: 14.74 vs. NTIOF: 3.86 )
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: 5.58 Max: 69.78
Current: 3.86
1.21
69.78
PB Ratio 1.89
NTIOF's PB Ratio is ranked lower than
85% of the 1552 Companies
in the Global Banks - Global industry.

( Industry Median: 1.17 vs. NTIOF: 1.89 )
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: 2.48
Current: 1.89
0.97
2.48
PS Ratio 3.07
NTIOF's PS Ratio is ranked higher than
55% of the 1539 Companies
in the Global Banks - Global industry.

( Industry Median: 3.41 vs. NTIOF: 3.07 )
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: 3.07
1.21
3.31
Price-to-Free-Cash-Flow 3.32
NTIOF's Price-to-Free-Cash-Flow is ranked higher than
78% of the 854 Companies
in the Global Banks - Global industry.

( Industry Median: 13.08 vs. NTIOF: 3.32 )
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: 5.16 Max: 48.4
Current: 3.32
1.2
48.4
Price-to-Operating-Cash-Flow 3.18
NTIOF's Price-to-Operating-Cash-Flow is ranked higher than
77% of the 920 Companies
in the Global Banks - Global industry.

( Industry Median: 11.36 vs. NTIOF: 3.18 )
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: 4.56 Max: 21.96
Current: 3.18
1.18
21.96
EV-to-EBIT 8.46
NTIOF's EV-to-EBIT is ranked higher than
65% of the 1204 Companies
in the Global Banks - Global industry.

( Industry Median: 12.59 vs. NTIOF: 8.46 )
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: 8.46
1
26.5
EV-to-EBITDA 6.87
NTIOF's EV-to-EBITDA is ranked higher than
69% of the 1219 Companies
in the Global Banks - Global industry.

( Industry Median: 11.36 vs. NTIOF: 6.87 )
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: 6.87
1
24.4
PEG Ratio 11.75
NTIOF's PEG Ratio is ranked lower than
96% of the 767 Companies
in the Global Banks - Global industry.

( Industry Median: 1.42 vs. NTIOF: 11.75 )
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: 11.75
0.37
1694
Shiller PE Ratio 15.26
NTIOF's Shiller PE Ratio is ranked higher than
72% of the 488 Companies
in the Global Banks - Global industry.

( Industry Median: 21.69 vs. NTIOF: 15.26 )
Ranked among companies with meaningful Shiller PE Ratio only.
NTIOF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.44  Med: 13.79 Max: 18.4
Current: 15.26
7.44
18.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.04
NTIOF's Dividend Yield % is ranked higher than
73% of the 2308 Companies
in the Global Banks - Global industry.

( Industry Median: 2.66 vs. NTIOF: 4.04 )
Ranked among companies with meaningful Dividend Yield % only.
NTIOF' s Dividend Yield % Range Over the Past 10 Years
Min: 2.88  Med: 4.02 Max: 8.59
Current: 4.04
2.88
8.59
Dividend Payout Ratio 0.56
NTIOF's Dividend Payout Ratio is ranked lower than
81% of the 1308 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
53% of the 771 Companies
in the Global Banks - Global industry.

( Industry Median: 7.60 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: 9.9 Max: 22.7
Current: 8.6
2.8
22.7
Forward Dividend Yield % 4.10
NTIOF's Forward Dividend Yield % is ranked higher than
70% of the 2276 Companies
in the Global Banks - Global industry.

( Industry Median: 2.87 vs. NTIOF: 4.10 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 6.45
NTIOF's 5-Year Yield-on-Cost % is ranked higher than
81% of the 2646 Companies
in the Global Banks - Global industry.

( Industry Median: 3.10 vs. NTIOF: 6.45 )
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: 4.6  Med: 6.42 Max: 13.71
Current: 6.45
4.6
13.71
3-Year Average Share Buyback Ratio -1.20
NTIOF's 3-Year Average Share Buyback Ratio is ranked higher than
52% of the 997 Companies
in the Global Banks - Global industry.

( Industry Median: -1.60 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: -3.6  Med: 0 Max: 4.2
Current: -1.2
-3.6
4.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.53
NTIOF's Price-to-Tangible-Book is ranked lower than
89% of the 1534 Companies
in the Global Banks - Global industry.

( Industry Median: 1.24 vs. NTIOF: 2.53 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NTIOF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.08  Med: 2.27 Max: 3.03
Current: 2.53
1.08
3.03
Price-to-Intrinsic-Value-Projected-FCF 0.53
NTIOF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
76% of the 895 Companies
in the Global Banks - Global industry.

( Industry Median: 0.81 vs. NTIOF: 0.53 )
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: 0.15  Med: 1.22 Max: 21.4
Current: 0.53
0.15
21.4
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.07
NTIOF's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
62% of the 138 Companies
in the Global Banks - Global industry.

( Industry Median: 0.90 vs. NTIOF: 1.07 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.22
NTIOF's Price-to-Median-PS-Value is ranked lower than
58% of the 1429 Companies
in the Global Banks - Global industry.

( Industry Median: 1.18 vs. NTIOF: 1.22 )
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: 0.45  Med: 0.93 Max: 1.27
Current: 1.22
0.45
1.27
Price-to-Graham-Number 1.26
NTIOF's Price-to-Graham-Number is ranked lower than
72% of the 1344 Companies
in the Global Banks - Global industry.

( Industry Median: 0.96 vs. NTIOF: 1.26 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NTIOF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.69  Med: 1.08 Max: 1.4
Current: 1.26
0.69
1.4
Earnings Yield (Greenblatt) % 11.82
NTIOF's Earnings Yield (Greenblatt) % is ranked higher than
73% of the 1560 Companies
in the Global Banks - Global industry.

( Industry Median: 5.77 vs. NTIOF: 11.82 )
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: 11.82
3.8
98.9
Forward Rate of Return (Yacktman) % 16.08
NTIOF's Forward Rate of Return (Yacktman) % is ranked higher than
62% of the 885 Companies
in the Global Banks - Global industry.

( Industry Median: 11.32 vs. NTIOF: 16.08 )
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: 2.9 Max: 29.3
Current: 16.08
-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 $31.05 - 44.80
Shares Outstanding (Mil)340.81

Analyst Estimate

Oct17 Oct18 Oct19
Revenue (Mil $) 4,894 5,088
EPS ($) 3.86 4.07 4.37
EPS without NRI ($) 3.86 4.07 4.37
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for NTIOF

Headlines

Articles On GuruFocus.com
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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