-1.91%
-1.79%
-3.09%
11.45%
25.16%
26.55%
75.27%
AI Spotlight on NA
Company Description
National Bank of Canada provides various financial products and services to retail, commercial, corporate, and institutional clients in Canada and internationally.It operates through four segments: Personal and Commercial, Wealth Management, Financial Markets, and U.S. Specialty Finance and International.The Personal and Commercial segment offers personal banking services, including transaction solutions, mortgage loans and home equity lines of credit, consumer loans, payment solutions, and savings and investment solutions; various insurance products; and commercial banking services comprise credit, and deposit and investment solutions, as well as international trade, foreign exchange transactions, payroll, cash management, insurance, electronic transactions, and complimentary services.
The Wealth Management segment comprises investment solutions, trust services, banking services, lending services, and other wealth management solutions.The Financial Markets segment offers corporate banking, advisory, and capital markets services; and project financing, debt, and equity underwriting; advisory services in the areas of mergers and acquisitions, and financing.The U.S. Specialty Finance and International segment provides specialty finance products; financial products and services to individuals and businesses in Cambodia; and investment solutions, guaranteed investment certificates, mutual funds, notes, structured products, and monetization.
It provides its services through a network of 384 branches and 927 banking machines.National Bank of Canada was founded in 1859 and is based in Montreal, Canada.
Market Data
| Last Price | 128.7 |
| Change Percentage | -1.91% |
| Open | 131.2 |
| Previous Close | 131.21 |
| Market Cap ( Millions) | 43870 |
| Volume | 860905 |
| Year High | 141.15 |
| Year Low | 100.47 |
| M A 50 | 133.48 |
| M A 200 | 122.77 |
Financial Ratios
| FCF Yield | 2.00% |
| Dividend Yield | 4.24% |
| ROE | 15.43% |
| Debt / Equity | 292.69% |
| Net Debt / EBIDTA | 0.00% |
| Price To Book | 1.71 |
| Price Earnings Ratio | 11.46 |
| Price To FCF | 49.91 |
| Price To sales | 2.26 |
| EV / EBITDA | 0 |
News
- Jan -29 - National Bank of Canada decreases its prime rate
- Jan -28 - National Bank Previews This Week's Bank of Canada Policy Meeting
- Jan -28 - Nano Labs Invests in AI ASIC Chip Startup, Collaborating with DeepSeek to Drive the Future of AI Technology
- Jan -24 - National Bank CEO says negotiating with Trump won't be easy, calls for a new plan to boost productivity
- Jan -21 - Teranet-National Bank House Price Index Shows Canada's House Prices End Year "On A Strong Note"
- Jan -17 - National Bank Investments Announces January 2025 Cash Distributions for Its Exchange-Traded Funds
- Jan -15 - National Bank provides a green loan to Kevric and a Canadian partner to redevelop 600 De La Gauchetière West
- Jan -13 - Top 3 TSX Dividend Stocks To Consider
- Jan -09 - Lithium Americas (Argentina) Sector Perform Stock Rating, US$4 Target Maintained by National Bank of Canada
- Jan -03 - National Bank Investments Announces Revised Annual Reinvested Distribution Amounts for Its NBI Exchange-Traded Funds
- Dec -23 - Laurent Ferreira to speak at the RBC Capital Markets Canadian Bank CEO Conference
- Dec -23 - National Bank gets final nod for $3.47bn Canadian Western Bank acquisition
- Dec -20 - National Bank receives final approval to proceed with the acquisition of Canadian Western Bank
- Dec -20 - National Bank Announces Changes to Senior Leadership Team
- Dec -18 - National Bank of Canada to Redeem its First Preferred Shares Series 32
- Dec -18 - National Bank Comments on Canada Population Growth Figures in Q3
- Dec -18 - National Bank Investments Announces the Annual Reinvested Distribution Amounts for Its NBI Exchange-Traded Funds
- Dec -18 - National Bank Investments Announces December 2024 Cash Distributions for All Its Exchange-Traded Funds
- Dec -13 - Top 3 TSX Dividend Stocks For Your Portfolio
- Dec -11 - National Bank of Canada decreases its prime rate
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Individuals and Companies
Expected Growth : 8 %
What the company do ?
Individuals and Companies from National Bank of Canada refers to personal and business clients of the National Bank of Canada, including individuals, small businesses, and commercial clients.
Why we expect these perspectives ?
For individuals, growth drivers include increasing disposable income, low unemployment rates, and rising property values. For companies, drivers include a strong economy, low interest rates, and investments in innovation and technology. Additionally, National Bank of Canada's strategic expansion into wealth management and digital banking also contributes to its growth.
Segment n°2 -> Financial Markets
Expected Growth : 10 %
What the company do ?
Financial Markets from National Bank of Canada provides access to market data, research, and trading services for institutional and corporate clients.
Why we expect these perspectives ?
National Bank of Canada's 10% growth in Financial Markets is driven by strong loan growth, increased trading activity, and higher net interest income. Additionally, the bank's diversified revenue streams, solid risk management, and strategic acquisitions have contributed to its growth. Furthermore, the low-interest-rate environment and government stimulus packages have also supported the bank's growth in this segment.
Segment n°3 -> Wealth Management
Expected Growth : 7 %
What the company do ?
Wealth Management from National Bank of Canada offers personalized investment solutions, portfolio management, and financial planning to help individuals and families achieve their financial goals.
Why we expect these perspectives ?
National Bank of Canada's Wealth Management segment has achieved 7% growth driven by increasing demand for investment products, strategic acquisitions, and expansion of digital platforms. Additionally, the segment has benefited from a strong advisory services network, robust asset management capabilities, and a growing high-net-worth client base.
Segment n°4 -> Specialized Financing in the United States and International
Expected Growth : 11 %
What the company do ?
National Bank of Canada offers specialized financing solutions in the US and internationally, providing tailored financial services for unique business needs.
Why we expect these perspectives ?
Strong demand for specialized financing in the US and international markets, driven by increasing complexity in trade finance, growth in cross-border transactions, and rising need for customized financing solutions. National Bank of Canada's expertise in specialized financing, strategic partnerships, and investments in digital platforms also contribute to the 11% growth.
Segment n°5 -> Others
Expected Growth : 9 %
What the company do ?
Others from National Bank of Canada refers to the bank's miscellaneous income or expenses not classified under other segments.
Why we expect these perspectives ?
National Bank of Canada's 9% growth is driven by strong loan growth, solid credit quality, and a robust capital position. Additionally, the bank's diversified revenue streams, including wealth management and capital markets, contribute to its growth. Furthermore, its strategic acquisitions and investments in digital transformation also support its growth momentum.
National Bank Of Canada Products
| Product Range | What is it ? |
|---|---|
| Personal Banking | National Bank of Canada offers a range of personal banking services, including chequing and savings accounts, credit cards, loans, and investment products. |
| Credit Cards | National Bank of Canada offers a variety of credit cards with different features and benefits, such as cashback rewards, travel insurance, and purchase protection. |
| Mortgages | National Bank of Canada offers a range of mortgage products, including fixed-rate and variable-rate mortgages, to help individuals purchase or refinance a home. |
| Investments | National Bank of Canada offers a range of investment products, including mutual funds, exchange-traded funds (ETFs), and portfolio management services. |
| Business Banking | National Bank of Canada offers a range of business banking services, including business accounts, credit cards, loans, and cash management solutions. |
| Commercial Banking | National Bank of Canada offers a range of commercial banking services, including commercial loans, lines of credit, and cash management solutions. |
| Wealth Management | National Bank of Canada offers a range of wealth management services, including investment advice, portfolio management, and estate planning. |
| Insurance | National Bank of Canada offers a range of insurance products, including life insurance, disability insurance, and home and auto insurance. |
National Bank of Canada's Porter Forces
Threat Of Substitutes
The threat of substitutes for National Bank of Canada is medium due to the presence of alternative financial institutions and digital payment methods.
Bargaining Power Of Customers
The bargaining power of customers is low for National Bank of Canada due to the lack of negotiating power of individual customers.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low for National Bank of Canada due to the bank's large size and negotiating power.
Threat Of New Entrants
The threat of new entrants is low for National Bank of Canada due to the high barriers to entry in the banking industry.
Intensity Of Rivalry
The intensity of rivalry is high for National Bank of Canada due to the presence of several major banks in Canada, leading to intense competition.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 69.33% |
| Debt Cost | 9.53% |
| Equity Weight | 30.67% |
| Equity Cost | 9.53% |
| WACC | 9.53% |
| Leverage | 226.02% |
National Bank of Canada : Quality Control
National Bank of Canada passed 1 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| TD.TO | The Toronto-Dominion Bank, together with its subsidiaries, provides various financial products and services in Canada, the United States, and internationally. It operates through three segments: Canadian Retail, U.S. Retail, and … |
| JPM | JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through four segments: Consumer & Community Banking (CCB), Corporate & Investment Bank (CIB), Commercial Banking (CB), and … |
| BMO.TO | Bank of Montreal provides diversified financial services primarily in North America. The company's personal banking products and services include checking and savings accounts, credit cards, mortgages, and financial and investment … |
| C | Citigroup Inc., a diversified financial services holding company, provides various financial products and services to consumers, corporations, governments, and institutions in North America, Latin America, Asia, Europe, the Middle East, … |
| BAC | Bank of America Corporation, through its subsidiaries, provides banking and financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. Its Consumer … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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JPMorgan Chase
A-Score
1-Year Total Return ->
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TD Bank
A-Score
1-Year Total Return ->
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NatBank
A-Score
1-Year Total Return ->
4
Citigroup
A-Score
1-Year Total Return ->
5
BMO
A-Score
1-Year Total Return ->
6
