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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 3.33
NTIOF's Cash to Debt is ranked higher than
57% of the 1606 Companies
in the Global Banks - Global industry.

( Industry Median: 2.02 vs. NTIOF: 3.33 )
Ranked among companies with meaningful Cash to Debt only.
NTIOF' s Cash to Debt Range Over the Past 10 Years
Min: 0.15  Med: 3.38 Max: 9.36
Current: 3.33
0.15
9.36
Equity to Asset 0.05
NTIOF's Equity to Asset is ranked lower than
93% of the 1612 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: 0.05
Current: 0.05
0.04
0.05
Interest Coverage 0.77
NTIOF's Interest Coverage is ranked lower than
71% of the 1533 Companies
in the Global Banks - Global industry.

( Industry Median: 1.66 vs. NTIOF: 0.77 )
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: 0.77
0.21
1.35
F-Score: 4
M-Score: -2.13
WACC vs ROIC
18.14%
22.34%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 25.36
NTIOF's Operating margin (%) is ranked lower than
63% of the 1627 Companies
in the Global Banks - Global industry.

( Industry Median: 30.98 vs. NTIOF: 25.36 )
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: 25.36
22.43
36.89
Net-margin (%) 20.22
NTIOF's Net-margin (%) is ranked lower than
58% of the 1625 Companies
in the Global Banks - Global industry.

( Industry Median: 22.46 vs. NTIOF: 20.22 )
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: 20.22
15.34
29.38
ROE (%) 10.29
NTIOF's ROE (%) is ranked higher than
63% of the 1623 Companies
in the Global Banks - Global industry.

( Industry Median: 8.57 vs. NTIOF: 10.29 )
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: 10.29
10.23
22.16
ROA (%) 0.53
NTIOF's ROA (%) is ranked lower than
71% of the 1632 Companies
in the Global Banks - Global industry.

( Industry Median: 0.89 vs. NTIOF: 0.53 )
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: 0.53
0.47
0.91
Revenue Growth (3Y)(%) 2.90
NTIOF's Revenue Growth (3Y)(%) is ranked lower than
53% of the 1346 Companies
in the Global Banks - Global industry.

( Industry Median: 3.40 vs. NTIOF: 2.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NTIOF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 1.4  Med: 5.6 Max: 17.3
Current: 2.9
1.4
17.3
EBITDA Growth (3Y)(%) -1.60
NTIOF's EBITDA Growth (3Y)(%) is ranked lower than
72% of the 1235 Companies
in the Global Banks - Global industry.

( Industry Median: 5.70 vs. NTIOF: -1.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NTIOF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.2  Med: 7 Max: 17.9
Current: -1.6
-8.2
17.9
EPS Growth (3Y)(%) -8.60
NTIOF's EPS Growth (3Y)(%) is ranked lower than
83% of the 1209 Companies
in the Global Banks - Global industry.

( Industry Median: 7.40 vs. NTIOF: -8.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NTIOF' s EPS Growth (3Y)(%) 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 7 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


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. 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.Canada24.413.89Non-Cum First Pfd Shs Series -28-
NA.PR.S.Canada21.004.88Non-Cum First Pfd Shs Series -30
NA.PR.W.Canada20.444.77Non-Cum First Pfd Shs Series -32-
NA.PR.X.Canada26.495.615.6% Fixed -Series -34-
NA.PR.A.Canada26.403.45Non-Cum Red 1st Pfd Shs

Business Description

Industry: Banks » Banks - Global    NAICS: 522110    SIC: 7029
Compare:OTCPK:JBAXY, OTCPK:MLYBY, NAS:EWBC, OTCPK:FANDY, OTCPK:NBGIF, NYSE:NTB, OTCPK:SVNLY, OTCPK:SCBFF, NYSE:RBS, NYSE:CS, NYSE:CM, NYSE:RY/PT, NYSE:BBVA, OTCPK:BCLYF, NYSE:BMO, NYSE:ING, NYSE:SMFG, OTCPK:BCMXY, OTCPK:NABZY, NYSE:UBS » 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.

National Bank of Canada was formed on May 4, 1859. The Company provides financial services to consumers, small and medium-sized enterprises, and large corporations and has branches in every province in Canada. It is also represented in the U.S. and Europe through its subsidiaries and alliances. The Company operates through three business segments; Personal and Commercial, Wealth Management and Financial Markets. The Personal and Commercial segment covers the banking, financing, and investing services offered to individuals and businesses as well as insurance operations. The Wealth Management segment comprises investment solutions, trust services, banking services, lending services and other wealth management solutions offered through internal and third-party distribution networks. The Other activities refer to treasury activities, including the Bank's liquidity management and funding operations, certain non-recurring items and the unallocated portion of corporate services.

Ratios

vs
industry
vs
history
P/E(ttm) 17.21
NTIOF's P/E(ttm) is ranked lower than
62% of the 1493 Companies
in the Global Banks - Global industry.

( Industry Median: 14.26 vs. NTIOF: 17.21 )
Ranked among companies with meaningful P/E(ttm) only.
NTIOF' s P/E(ttm) Range Over the Past 10 Years
Min: 6.17  Med: 11.05 Max: 18.42
Current: 17.21
6.17
18.42
Forward P/E 10.87
NTIOF's Forward P/E is ranked higher than
78% of the 366 Companies
in the Global Banks - Global industry.

( Industry Median: 15.41 vs. NTIOF: 10.87 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.21
NTIOF's PE(NRI) is ranked lower than
62% of the 1490 Companies
in the Global Banks - Global industry.

( Industry Median: 14.29 vs. NTIOF: 17.21 )
Ranked among companies with meaningful PE(NRI) only.
NTIOF' s PE(NRI) Range Over the Past 10 Years
Min: 6.14  Med: 11.05 Max: 18.48
Current: 17.21
6.14
18.48
Price/Owner Earnings (ttm) 4.55
NTIOF's Price/Owner Earnings (ttm) is ranked higher than
81% of the 881 Companies
in the Global Banks - Global industry.

( Industry Median: 14.64 vs. NTIOF: 4.55 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
NTIOF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.21  Med: 5.57 Max: 69.78
Current: 4.55
1.21
69.78
P/B 1.97
NTIOF's P/B is ranked lower than
83% of the 1607 Companies
in the Global Banks - Global industry.

( Industry Median: 1.16 vs. NTIOF: 1.97 )
Ranked among companies with meaningful P/B only.
NTIOF' s P/B Range Over the Past 10 Years
Min: 0.97  Med: 1.84 Max: 2.53
Current: 1.97
0.97
2.53
P/S 3.29
NTIOF's P/S is ranked higher than
53% of the 1587 Companies
in the Global Banks - Global industry.

( Industry Median: 3.37 vs. NTIOF: 3.29 )
Ranked among companies with meaningful P/S only.
NTIOF' s P/S Range Over the Past 10 Years
Min: 1.21  Med: 2.52 Max: 3.31
Current: 3.29
1.21
3.31
PFCF 3.71
NTIOF's PFCF is ranked higher than
77% of the 823 Companies
in the Global Banks - Global industry.

( Industry Median: 12.99 vs. NTIOF: 3.71 )
Ranked among companies with meaningful PFCF only.
NTIOF' s PFCF Range Over the Past 10 Years
Min: 1.2  Med: 5.27 Max: 48.4
Current: 3.71
1.2
48.4
POCF 3.53
NTIOF's POCF is ranked higher than
76% of the 895 Companies
in the Global Banks - Global industry.

( Industry Median: 11.29 vs. NTIOF: 3.53 )
Ranked among companies with meaningful POCF only.
NTIOF' s POCF Range Over the Past 10 Years
Min: 1.18  Med: 4.68 Max: 21.96
Current: 3.53
1.18
21.96
EV-to-EBIT 10.70
NTIOF's EV-to-EBIT is ranked higher than
58% of the 1216 Companies
in the Global Banks - Global industry.

( Industry Median: 12.39 vs. NTIOF: 10.70 )
Ranked among companies with meaningful EV-to-EBIT only.
NTIOF' s EV-to-EBIT Range Over the Past 10 Years
Min: 1  Med: 8.3 Max: 26.5
Current: 10.7
1
26.5
EV-to-EBITDA 8.34
NTIOF's EV-to-EBITDA is ranked higher than
65% of the 1226 Companies
in the Global Banks - Global industry.

( Industry Median: 11.20 vs. NTIOF: 8.34 )
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: 8.34
1
24.4
PEG 14.08
NTIOF's PEG is ranked lower than
95% of the 755 Companies
in the Global Banks - Global industry.

( Industry Median: 1.32 vs. NTIOF: 14.08 )
Ranked among companies with meaningful PEG only.
NTIOF' s PEG Range Over the Past 10 Years
Min: 0.29  Med: 1.69 Max: 45.21
Current: 14.08
0.29
45.21
Shiller P/E 15.72
NTIOF's Shiller P/E is ranked higher than
71% of the 484 Companies
in the Global Banks - Global industry.

( Industry Median: 20.92 vs. NTIOF: 15.72 )
Ranked among companies with meaningful Shiller P/E only.
NTIOF' s Shiller P/E Range Over the Past 10 Years
Min: 7.4  Med: 13.82 Max: 19.29
Current: 15.72
7.4
19.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.95
NTIOF's Dividend Yield is ranked higher than
73% of the 2358 Companies
in the Global Banks - Global industry.

( Industry Median: 2.55 vs. NTIOF: 3.95 )
Ranked among companies with meaningful Dividend Yield only.
NTIOF' s Dividend Yield Range Over the Past 10 Years
Min: 2.74  Med: 4.02 Max: 8.59
Current: 3.95
2.74
8.59
Dividend Payout 0.66
NTIOF's Dividend Payout is ranked lower than
88% of the 1314 Companies
in the Global Banks - Global industry.

( Industry Median: 0.32 vs. NTIOF: 0.66 )
Ranked among companies with meaningful Dividend Payout only.
NTIOF' s Dividend Payout Range Over the Past 10 Years
Min: 0.33  Med: 0.44 Max: 0.71
Current: 0.66
0.33
0.71
Dividend Growth (3y) 8.60
NTIOF's Dividend Growth (3y) is ranked higher than
52% of the 733 Companies
in the Global Banks - Global industry.

( Industry Median: 7.90 vs. NTIOF: 8.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
NTIOF' s Dividend Growth (3y) 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 3.98
NTIOF's Forward Dividend Yield is ranked higher than
71% of the 2268 Companies
in the Global Banks - Global industry.

( Industry Median: 2.77 vs. NTIOF: 3.98 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 6.46
NTIOF's Yield on cost (5-Year) is ranked higher than
77% of the 2640 Companies
in the Global Banks - Global industry.

( Industry Median: 3.36 vs. NTIOF: 6.46 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NTIOF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 4.37  Med: 6.42 Max: 13.71
Current: 6.46
4.37
13.71
3-Year Average Share Buyback Ratio -1.20
NTIOF's 3-Year Average Share Buyback Ratio is ranked higher than
56% of the 1049 Companies
in the Global Banks - Global industry.

( Industry Median: -2.00 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/Tangible Book 2.69
NTIOF's Price/Tangible Book is ranked lower than
89% of the 1600 Companies
in the Global Banks - Global industry.

( Industry Median: 1.23 vs. NTIOF: 2.69 )
Ranked among companies with meaningful Price/Tangible Book only.
NTIOF' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.28  Med: 2.38 Max: 2.91
Current: 2.69
1.28
2.91
Price/Projected FCF 0.52
NTIOF's Price/Projected FCF is ranked higher than
77% of the 886 Companies
in the Global Banks - Global industry.

( Industry Median: 0.79 vs. NTIOF: 0.52 )
Ranked among companies with meaningful Price/Projected FCF only.
NTIOF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.43  Med: 0.97 Max: 6.05
Current: 0.52
0.43
6.05
Price/DCF (Earnings Based) 1.30
NTIOF's Price/DCF (Earnings Based) is ranked lower than
76% of the 113 Companies
in the Global Banks - Global industry.

( Industry Median: 0.80 vs. NTIOF: 1.30 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.30
NTIOF's Price/Median PS Value is ranked lower than
64% of the 1463 Companies
in the Global Banks - Global industry.

( Industry Median: 1.14 vs. NTIOF: 1.30 )
Ranked among companies with meaningful Price/Median PS Value only.
NTIOF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.48  Med: 0.94 Max: 1.3
Current: 1.3
0.48
1.3
Price/Graham Number 1.43
NTIOF's Price/Graham Number is ranked lower than
80% of the 1404 Companies
in the Global Banks - Global industry.

( Industry Median: 0.95 vs. NTIOF: 1.43 )
Ranked among companies with meaningful Price/Graham Number only.
NTIOF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.71  Med: 1.12 Max: 1.43
Current: 1.43
0.71
1.43
Earnings Yield (Greenblatt) (%) 9.38
NTIOF's Earnings Yield (Greenblatt) (%) is ranked higher than
68% of the 1605 Companies
in the Global Banks - Global industry.

( Industry Median: 5.80 vs. NTIOF: 9.38 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NTIOF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.8  Med: 12.1 Max: 98.9
Current: 9.38
3.8
98.9
Forward Rate of Return (Yacktman) (%) 18.84
NTIOF's Forward Rate of Return (Yacktman) (%) is ranked higher than
67% of the 872 Companies
in the Global Banks - Global industry.

( Industry Median: 11.48 vs. NTIOF: 18.84 )
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: -19.5  Med: 4.9 Max: 28.6
Current: 18.84
-19.5
28.6

More Statistics

Revenue (TTM) (Mil) $4,396
EPS (TTM) $ 2.47
Beta1.54
Short Percentage of Float0.00%
52-Week Range $25.28 - 42.15
Shares Outstanding (Mil)338.05

Analyst Estimate

Oct17 Oct18 Oct19
Revenue (Mil $) 4,883 5,087
EPS ($) 3.82 4.05 4.32
EPS w/o NRI ($) 3.82 4.05 4.32
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» 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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