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WESTPAC BANKING CORP-SP ADR (WBK) Stock Fundamental Analysis

NYSE:WBK - New York Stock Exchange, Inc. - ADR

14.2  -0.14 (-0.98%)

After market: 14.2 0 (0%)

Fundamental Rating

2

WBK gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. Both the profitability and financial health of WBK have multiple concerns. WBK is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

WBK had positive earnings in the past year.
WBK Yearly Net Income VS EBIT VS OCF VS FCFWBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 0 20B 40B

1.2 Ratios

Industry RankSector Rank
ROA 0.58%
ROE 7.58%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
WBK Yearly ROA, ROE, ROICWBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 5 10 15

1.3 Margins

The Operating Margin and Gross Margin are not available for WBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.39%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
WBK Yearly Profit, Operating, Gross MarginsWBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 10 20 30

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2. Health

2.1 Basic Checks

WBK has more shares outstanding than it did 1 year ago.
Compared to 1 year ago, WBK has an improved debt to assets ratio.
WBK Yearly Shares OutstandingWBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 1B 2B 3B
WBK Yearly Total Debt VS Total AssetsWBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 200B 400B 600B 800B

2.2 Solvency

WBK has a Debt/Equity ratio of 2.19. This is a high value indicating a heavy dependency on external financing.
Industry RankSector Rank
Debt/Equity 2.19
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
WBK Yearly LT Debt VS Equity VS FCFWBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 0 50B 100B 150B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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5

3. Growth

3.1 Past

WBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 101.93%, which is quite impressive.
WBK shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.04% yearly.
WBK shows a small growth in Revenue. In the last year, the Revenue has grown by 4.98%.
The Revenue has been growing slightly by 0.44% on average over the past years.
EPS 1Y (TTM)101.93%
EPS 3Y-14.74%
EPS 5Y-9.04%
EPS Q2Q%10.49%
Revenue 1Y (TTM)4.98%
Revenue growth 3Y-1.18%
Revenue growth 5Y0.44%
Sales Q2Q%10.09%

3.2 Future

WBK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.57% yearly.
The Revenue is expected to grow by 0.68% on average over the next years.
EPS Next Y6.41%
EPS Next 2Y13.28%
EPS Next 3Y11.65%
EPS Next 5Y12.57%
Revenue Next Year-7.23%
Revenue Next 2Y-2.16%
Revenue Next 3Y-0.52%
Revenue Next 5Y0.68%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
WBK Yearly Revenue VS EstimatesWBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5B 10B 15B 20B
WBK Yearly EPS VS EstimatesWBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.65, WBK is valued correctly.
WBK is valuated cheaply when we compare the Price/Earnings ratio to 27.45, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 12.84, which indicates a correct valuation of WBK.
The average S&P500 Price/Forward Earnings ratio is at 21.90. WBK is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.65
Fwd PE 12.84
WBK Price Earnings VS Forward Price EarningsWBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
WBK Per share dataWBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates WBK does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.13
PEG (5Y)N/A
EPS Next 2Y13.28%
EPS Next 3Y11.65%

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5

5. Dividend

5.1 Amount

WBK has a Yearly Dividend Yield of 5.43%, which is a nice return.
The stock price of WBK dropped by -27.37% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average S&P500 Dividend Yield of 2.42, WBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.43%

5.2 History

The dividend of WBK decreases each year by -14.38%.
WBK has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-14.38%
Div Incr YearsN/A
Div Non Decr YearsN/A
WBK Yearly Dividends per shareWBK Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 0.5 1

5.3 Sustainability

WBK pays out 52.14% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP52.14%
EPS Next 2Y13.28%
EPS Next 3Y11.65%
WBK Yearly Income VS Free CF VS DividendWBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 0 10B 20B 30B 40B 50B
WBK Dividend Payout.WBK Dividend Payout, showing the Payout Ratio.WBK Dividend Payout.PayoutRetained Earnings

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WESTPAC BANKING CORP-SP ADR

NYSE:WBK (1/28/2022, 8:00:00 PM)

After market: 14.2 0 (0%)

14.2

-0.14 (-0.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap52.04B
Analysts57.14
Price Target18.53 (30.49%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.43%
Yearly Dividend1.18
Dividend Growth(5Y)-14.38%
DP52.14%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 13.65
Fwd PE 12.84
P/S 3.41
P/FCF N/A
P/OCF N/A
P/B 1.02
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.04
EY7.32%
EPS(NY)1.11
Fwd EY7.79%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS4.16
BVpS13.94
TBVpSN/A
PEG (NY)2.13
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.58%
ROE 7.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.39%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 2.19
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)101.93%
EPS 3Y-14.74%
EPS 5Y-9.04%
EPS Q2Q%10.49%
EPS Next Y6.41%
EPS Next 2Y13.28%
EPS Next 3Y11.65%
EPS Next 5Y12.57%
Revenue 1Y (TTM)4.98%
Revenue growth 3Y-1.18%
Revenue growth 5Y0.44%
Sales Q2Q%10.09%
Revenue Next Year-7.23%
Revenue Next 2Y-2.16%
Revenue Next 3Y-0.52%
Revenue Next 5Y0.68%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A