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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 1162.44
NTIOF's Cash-to-Debt is ranked higher than
75% of the 1639 Companies
in the Global Banks - Global industry.

( Industry Median: 2.05 vs. NTIOF: 1162.44 )
Ranked among companies with meaningful Cash-to-Debt only.
NTIOF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 3.25 Max: No Debt
Current: 1162.44
Equity-to-Asset 0.05
NTIOF's Equity-to-Asset is ranked lower than
92% of the 1624 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 1.01
NTIOF's Interest Coverage is ranked lower than
66% of the 1562 Companies
in the Global Banks - Global industry.

( Industry Median: 1.72 vs. NTIOF: 1.01 )
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: 1.01
0.21
1.35
Beneish M-Score: -2.27
WACC vs ROIC
17.26%
42.34%
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 : 5/10

vs
industry
vs
history
Operating Margin % 34.00
NTIOF's Operating Margin % is ranked higher than
55% of the 1650 Companies
in the Global Banks - Global industry.

( Industry Median: 32.07 vs. NTIOF: 34.00 )
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: 34
22.43
36.89
Net Margin % 26.61
NTIOF's Net Margin % is ranked higher than
62% of the 1650 Companies
in the Global Banks - Global industry.

( Industry Median: 22.99 vs. NTIOF: 26.61 )
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: 26.61
15.34
29.38
ROE % 13.99
NTIOF's ROE % is ranked higher than
79% of the 1653 Companies
in the Global Banks - Global industry.

( Industry Median: 8.60 vs. NTIOF: 13.99 )
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: 13.99
10.23
22.16
ROA % 0.73
NTIOF's ROA % is ranked lower than
62% of the 1657 Companies
in the Global Banks - Global industry.

( Industry Median: 0.90 vs. NTIOF: 0.73 )
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: 0.73
0.47
0.91
3-Year Revenue Growth Rate 2.90
NTIOF's 3-Year Revenue Growth Rate is ranked lower than
58% of the 1479 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
72% of the 1396 Companies
in the Global Banks - Global industry.

( Industry Median: 5.90 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
82% of the 1354 Companies
in the Global Banks - Global industry.

( Industry Median: 6.60 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 6 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 30-Y Financials

Financials (Next Earnings Date: 2017-12-01)


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.Canada24.983.80Non-Cum First Pfd Shs Series -28-
NA.PR.S.Canada23.703.24Non-Cum First Pfd Shs Series -30
NA.PR.W.Canada22.753.21Non-Cum First Pfd Shs Series -32-
NA.PR.X.Canada26.833.915.6% Fixed -Series -34-
NA.PR.A.Canada26.893.81Non-Cum Red 1st Pfd Shs
NA.PR.C.Canada25.870.00Non-Cum Conv Red 1st Pfd Registered Shs Series -38-

Business Description

Industry: Banks » Banks - Global    NAICS: 522110    SIC: 7029
Compare:XSWX:BAER, XKLS:1023, JSE:FSR, XKLS:1155, NAS:EWBC, XKLS:5819, SHSE:601818, OSTO:SHB B, BAH:AUB, XAMS:ABN, TSE:8304, ADX:FAB, ADX:ADIB, ATH:ETE, TSE:8385, TSE:8382, LSE:BLBD, XSWX:EFGN, KAR:HBL, BAH:NBB » details
Traded in other countries:NA.Canada, NBC.Germany,
Headquarter Location:Canada
National Bank of Canada is a financial service provider for consumers, small and medium-sized enterprises, and large corporations. The company's segments include Personal and Commercial, Wealth Management and Financial Markets.

National Bank of Canada is the sixth-largest Canadian bank. The bank offers integrated financial services, primarily within the province of Quebec, as well as the city of Toronto. Operational segments include personal and commercial banking, wealth management, and a financial markets group. The bank has over 21,000 employees and 445 banking branches throughout Canada.

Ratios

vs
industry
vs
history
PE Ratio 13.32
NTIOF's PE Ratio is ranked higher than
62% of the 1528 Companies
in the Global Banks - Global industry.

( Industry Median: 14.62 vs. NTIOF: 13.32 )
Ranked among companies with meaningful PE Ratio only.
NTIOF' s PE Ratio Range Over the Past 10 Years
Min: 6.17  Med: 11.02 Max: 18.42
Current: 13.32
6.17
18.42
Forward PE Ratio 11.19
NTIOF's Forward PE Ratio is ranked higher than
83% of the 372 Companies
in the Global Banks - Global industry.

( Industry Median: 14.77 vs. NTIOF: 11.19 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 13.32
NTIOF's PE Ratio without NRI is ranked higher than
62% of the 1531 Companies
in the Global Banks - Global industry.

( Industry Median: 14.75 vs. NTIOF: 13.32 )
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: 11.02 Max: 18.48
Current: 13.32
6.14
18.48
Price-to-Owner-Earnings 6.69
NTIOF's Price-to-Owner-Earnings is ranked higher than
75% of the 922 Companies
in the Global Banks - Global industry.

( Industry Median: 14.44 vs. NTIOF: 6.69 )
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: 5.57 Max: 69.99
Current: 6.69
1.21
69.99
PB Ratio 2.06
NTIOF's PB Ratio is ranked lower than
84% of the 1636 Companies
in the Global Banks - Global industry.

( Industry Median: 1.22 vs. NTIOF: 2.06 )
Ranked among companies with meaningful PB Ratio only.
NTIOF' s PB Ratio Range Over the Past 10 Years
Min: 0.97  Med: 1.82 Max: 2.33
Current: 2.06
0.97
2.33
PS Ratio 3.38
NTIOF's PS Ratio is ranked higher than
55% of the 1598 Companies
in the Global Banks - Global industry.

( Industry Median: 3.44 vs. NTIOF: 3.38 )
Ranked among companies with meaningful PS Ratio only.
NTIOF' s PS Ratio Range Over the Past 10 Years
Min: 1.22  Med: 2.52 Max: 3.38
Current: 3.38
1.22
3.38
Price-to-Free-Cash-Flow 5.79
NTIOF's Price-to-Free-Cash-Flow is ranked higher than
70% of the 890 Companies
in the Global Banks - Global industry.

( Industry Median: 11.78 vs. NTIOF: 5.79 )
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: 5.08 Max: 60.69
Current: 5.79
1.2
60.69
Price-to-Operating-Cash-Flow 5.42
NTIOF's Price-to-Operating-Cash-Flow is ranked higher than
69% of the 957 Companies
in the Global Banks - Global industry.

( Industry Median: 10.35 vs. NTIOF: 5.42 )
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: 4.63 Max: 23.53
Current: 5.42
1.18
23.53
EV-to-EBIT 6.40
NTIOF's EV-to-EBIT is ranked higher than
76% of the 1255 Companies
in the Global Banks - Global industry.

( Industry Median: 12.71 vs. NTIOF: 6.40 )
Ranked among companies with meaningful EV-to-EBIT only.
NTIOF' s EV-to-EBIT Range Over the Past 10 Years
Min: 1.6  Med: 8.3 Max: 26.5
Current: 6.4
1.6
26.5
EV-to-EBITDA 5.46
NTIOF's EV-to-EBITDA is ranked higher than
79% of the 1254 Companies
in the Global Banks - Global industry.

( Industry Median: 11.38 vs. NTIOF: 5.46 )
Ranked among companies with meaningful EV-to-EBITDA only.
NTIOF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.5  Med: 7.5 Max: 24.4
Current: 5.46
1.5
24.4
EV-to-Revenue 2.18
NTIOF's EV-to-Revenue is ranked higher than
77% of the 1293 Companies
in the Global Banks - Global industry.

( Industry Median: 4.22 vs. NTIOF: 2.18 )
Ranked among companies with meaningful EV-to-Revenue only.
NTIOF' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.5  Med: 2.5 Max: 8.1
Current: 2.18
0.5
8.1
PEG Ratio 11.08
NTIOF's PEG Ratio is ranked lower than
94% of the 831 Companies
in the Global Banks - Global industry.

( Industry Median: 1.52 vs. NTIOF: 11.08 )
Ranked among companies with meaningful PEG Ratio only.
NTIOF' s PEG Ratio Range Over the Past 10 Years
Min: 0.36  Med: 1.69 Max: 47.48
Current: 11.08
0.36
47.48
Shiller PE Ratio 16.55
NTIOF's Shiller PE Ratio is ranked higher than
71% of the 508 Companies
in the Global Banks - Global industry.

( Industry Median: 21.19 vs. NTIOF: 16.55 )
Ranked among companies with meaningful Shiller PE Ratio only.
NTIOF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.36  Med: 14 Max: 19.29
Current: 16.55
7.36
19.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.86
NTIOF's Dividend Yield % is ranked higher than
71% of the 2337 Companies
in the Global Banks - Global industry.

( Industry Median: 2.62 vs. NTIOF: 0.86 )
Ranked among companies with meaningful Dividend Yield % only.
NTIOF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.85  Med: 4.08 Max: 8.59
Current: 0.86
0.85
8.59
Dividend Payout Ratio 0.23
NTIOF's Dividend Payout Ratio is ranked higher than
70% of the 1387 Companies
in the Global Banks - Global industry.

( Industry Median: 0.32 vs. NTIOF: 0.23 )
Ranked among companies with meaningful Dividend Payout Ratio only.
NTIOF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.23  Med: 0.44 Max: 0.83
Current: 0.23
0.23
0.83
3-Year Dividend Growth Rate 17.00
NTIOF's 3-Year Dividend Growth Rate is ranked higher than
75% of the 820 Companies
in the Global Banks - Global industry.

( Industry Median: 6.50 vs. NTIOF: 17.00 )
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: 17
2.8
22.7
Forward Dividend Yield % 3.44
NTIOF's Forward Dividend Yield % is ranked higher than
72% of the 2240 Companies
in the Global Banks - Global industry.

( Industry Median: 2.79 vs. NTIOF: 3.44 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.61
NTIOF's 5-Year Yield-on-Cost % is ranked higher than
81% of the 2723 Companies
in the Global Banks - Global industry.

( Industry Median: 3.29 vs. NTIOF: 1.61 )
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: 1.59  Med: 7.62 Max: 16.04
Current: 1.61
1.59
16.04
3-Year Average Share Buyback Ratio -1.20
NTIOF's 3-Year Average Share Buyback Ratio is ranked higher than
57% of the 1129 Companies
in the Global Banks - Global industry.

( Industry Median: -2.20 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 2.73
NTIOF's Price-to-Tangible-Book is ranked lower than
89% of the 1630 Companies
in the Global Banks - Global industry.

( Industry Median: 1.30 vs. NTIOF: 2.73 )
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: 2.22 Max: 3.03
Current: 2.73
0.79
3.03
Price-to-Intrinsic-Value-Projected-FCF 0.50
NTIOF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
80% of the 857 Companies
in the Global Banks - Global industry.

( Industry Median: 0.85 vs. NTIOF: 0.50 )
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: 0.74 Max: 21.4
Current: 0.5
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
55% of the 154 Companies
in the Global Banks - Global industry.

( Industry Median: 0.86 vs. NTIOF: 1.01 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
NTIOF' s Price-to-Intrinsic-Value-DCF (Earnings Based) Range Over the Past 10 Years
Min: 0.48  Med: 0.75 Max: 1.15
Current: 1.01
0.48
1.15
Price-to-Median-PS-Value 1.34
NTIOF's Price-to-Median-PS-Value is ranked lower than
60% of the 1469 Companies
in the Global Banks - Global industry.

( Industry Median: 1.16 vs. NTIOF: 1.34 )
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: 0.28  Med: 0.88 Max: 1.34
Current: 1.34
0.28
1.34
Price-to-Graham-Number 1.27
NTIOF's Price-to-Graham-Number is ranked lower than
67% of the 1429 Companies
in the Global Banks - Global industry.

( Industry Median: 0.95 vs. NTIOF: 1.27 )
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: 1.04 Max: 1.4
Current: 1.27
0.51
1.4
Earnings Yield (Greenblatt) % 15.64
NTIOF's Earnings Yield (Greenblatt) % is ranked higher than
82% of the 1657 Companies
in the Global Banks - Global industry.

( Industry Median: 5.51 vs. NTIOF: 15.64 )
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 Max: 61.7
Current: 15.64
3.8
61.7
Forward Rate of Return (Yacktman) % 18.38
NTIOF's Forward Rate of Return (Yacktman) % is ranked higher than
70% of the 981 Companies
in the Global Banks - Global industry.

( Industry Median: 11.33 vs. NTIOF: 18.38 )
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: 9.4 Max: 29.3
Current: 18.38
-26.2
29.3

More Statistics

Revenue (TTM) (Mil) $4,931.22
EPS (TTM) $ 3.64
Beta1.47
Short Percentage of Float0.00%
52-Week Range $36.83 - 50.05
Shares Outstanding (Mil)341.20

Analyst Estimate

Oct17 Oct18 Oct19
Revenue (Mil $) 5,340 5,589 5,864
EPS ($) 4.30 4.53 4.83
EPS without NRI ($) 4.30 4.53 4.83
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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