ScoreWhy is National Bank of Canada ?
1
Healthy long term growth as Net profit has grown by an annual rate of 12.82%
2
Flat results in Apr 25
- GROSS NPA (%)(Q) Highest at 1.08%
- NET PROFIT(Q) Lowest at CAD 896 MM
- EPS(Q) Lowest at CAD 2.17
3
With ROA of 0.50%, it has a fair valuation with a 1.76 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 17.75%, its profits have risen by 7.8%
4
Majority shareholders : Mutual Funds
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to National Bank of Canada should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is National Bank of Canada for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
National Bank of Canada
-100.0%
11.01
17.14%
S&P/TSX 60
19.1%
1.54
14.62%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.38%
EBIT Growth (5y)
17.72%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
40.07%
Pledged Shares
0
Institutional Holding
0.26%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
1.78
EV to EBIT
24.67
EV to EBITDA
21.68
EV to Capital Employed
1.34
EV to Sales
4.86
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
5.45%
ROE (Latest)
11.72%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at CAD 1,205 MM
OPERATING CASH FLOW(Y)
Highest at CAD 6,193 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 52.14%
DIVIDEND PER SHARE(HY)
Highest at CAD 0
NET SALES(Q)
Highest at CAD 5,262 MM
-5What is not working for the Company
GROSS NPA (%)
(Q
NET PROFIT(Q)
Lowest at CAD 896 MM
EPS(Q)
Lowest at CAD 2.17
Here's what is working for National Bank of Canada
NII
Highest at CAD 1,205 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA (%)
Dividend per share
Highest at CAD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (CAD)
Operating Cash Flow
Highest at CAD 6,193 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CAD MM)
Dividend Payout Ratio
Highest at 52.14% and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Net Sales
Highest at CAD 5,262 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (CAD MM)
Depreciation
Highest at CAD 154 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (CAD MM)
Here's what is not working for National Bank of Canada
Non Performing Loans (%)
Highest at 1.08% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Net Profit
Lowest at CAD 896 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (CAD MM)
EPS
Lowest at CAD 2.17
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (CAD)
Non Operating Income
Highest at CAD 0.06 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
Capital Adequacy Ratio
Lowest at 15.1%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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