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
51.2%
11.01
17.14%
S&P/TSX 60
23.72%
1.54
14.62%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
24.40%
EBIT Growth (5y)
19.56%
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
45.59%
Pledged Shares
0
Institutional Holding
0.26%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
2.13
EV to EBIT
26.18
EV to EBITDA
22.76
EV to Capital Employed
1.47
EV to Sales
5.46
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
5.60%
ROE (Latest)
12.87%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CAD 4,057 MM
DIVIDEND PER SHARE(HY)
Highest at CAD 0
NET SALES(Q)
Highest at CAD 5,551 MM
OPERATING PROFIT(Q)
Highest at CAD 1,233 MM
PRE-TAX PROFIT(Q)
Highest at CAD 1,365 MM
-5What is not working for the Company
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Lowest at CAD 57,477 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 72.23%
Here's what is working for National Bank of Canada
Operating Cash Flow
Highest at CAD 4,057 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CAD MM)
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)
Net Sales
Highest at CAD 5,551 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (CAD MM)
Operating Profit
Highest at CAD 1,233 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (CAD MM)
Pre-Tax Profit
Highest at CAD 1,365 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (CAD MM)
Depreciation
Highest at CAD 215 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (CAD MM)
Depreciation
At CAD 215 MM has Grown at 46.26%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (CAD MM)
Here's what is not working for National Bank of Canada
Non Performing Loans (%)
Highest at 1.22% 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 (%)
Cash and Eqv
Lowest at CAD 57,477 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 72.23%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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