National Australia Bank (HAM:NAL) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

HAM:NAL National Australia Bank Ltd HAM:NAL
67 GF Score
Price €24.04
GF Value €25.58
Valuation Fairly Valued
! 3 Warning Signs
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What is National Australia Bank Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of National Australia Bank is: High Risk: High uncertainty with risk-return tradeoff.

National Australia Bank  (HAM:NAL) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

National Australia Bank Risk Assessment Related Terms

HAM:NAL vs JPM, BAC, WFC: Risk Assessment Comparison

For the Banks - Diversified subindustry, National Australia Bank's Risk Assessment, along with its competitors' market caps and Risk Assessment data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

National Australia Bank Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, National Australia Bank's Risk Assessment distribution charts can be found below:

* The bar in red indicates where National Australia Bank's Risk Assessment falls into.


HAM:NAL
67GF Score
National Australia Bank Ltd HAM:NAL
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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Is National Australia Bank (HAM:NAL) Overvalued in 2026?

Based on GuruFocus' analysis, National Australia Bank stock appears to be undervalued. The current stock price of €24.04 is trading 6% below its estimated GF Value™ of €25.58. GuruFocus considers National Australia Bank to be Fairly Valued.

Key valuation signals for HAM:NAL:

  • Risk Assessment:
  • GF Value™: €25.58 vs. price of €24.04 (6% below fair value)
  • GF Score™: 67/100 with 3 warning signs

No single metric tells the full story. See the HAM:NAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

National Australia Bank Business Description

Address 395 Bourke Street, Level 28, Melbourne, VIC, AUS, 3000
National Australia Bank is the most business-focused of the four major banks, holding the largest share of business loans and the number-three spot in home loans. National Australia Bank is currently the second-largest bank by market capitalization, with the franchise covering consumer, small business, corporate, and institutional sectors. Under the UBank brand the bank also owns one of Australia's largest digital-only banks. Offshore operations in New Zealand round out the group.
67GF Score

Get the complete analysis for HAM:NAL

Risk Assessment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€24.04
Price
€25.58
GF Value