Australia & New Zealand Banking (ANZGY)
OTHER OTC:ANZGY
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Australia & New Zealand Banking
(OTC:ANZGY)
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Rating:62Neutral
Price Target:
$29.00
â–²(19.00% Upside)
Action:DowngradedDate:12/30/25
The score is held back primarily by weaker latest-year financial quality (profitability compression and higher leverage). Offsetting that, the technical picture is constructive with a clear multi-timeframe uptrend, and valuation is supported by a solid dividend yield with a mid-range P/E.
Positive Factors
Diversified revenue mix
ANZ's core earnings come from both net interest income and fee-based services across retail, commercial and institutional lines. This diversified revenue base reduces reliance on any single product or cycle, supporting durable top-line stability and fee cross-sell opportunities over months.
Negative Factors
Marked leverage increase
A sharp rise in leverage materially elevates financial risk and reduces strategic flexibility. Higher debt-to-equity increases funding and refinancing sensitivity, constrains capital management, and can pressure regulatory ratios and lending capacity if adverse conditions persist.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified revenue mix
ANZ's core earnings come from both net interest income and fee-based services across retail, commercial and institutional lines. This diversified revenue base reduces reliance on any single product or cycle, supporting durable top-line stability and fee cross-sell opportunities over months.
Read all positive factors
Australia & New Zealand Banking (ANZGY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$75.99B
Dividend Yield4.32%
Average Volume (3M)6.21K
Price to Earnings (P/E)26.1
Beta (1Y)0.57
Revenue Growth2.74%
EPS Growth-11.28%
CountryUS
Employees43,094
SectorFinancial
Sector Strength70
IndustryBanks - Diversified
Share Statistics
EPS (TTM)0.48
Shares Outstanding2,971,365,700
10 Day Avg. Volume4,521
30 Day Avg. Volume6,209
Financial Highlights & Ratios
PEG Ratio-2.84
Price to Book (P/B)1.39
Price to Sales (P/S)1.51
P/FCF Ratio3.79
Enterprise Value/Market Cap2.71
Enterprise Value/Revenue4.86
Enterprise Value/Gross Profit10.08
Enterprise Value/Ebitda47.43
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.78
Revenue Forecast (FY)$16.16B
Australia & New Zealand Banking Business Overview & Revenue Model
Company Description
ANZ Group Holdings Limited provides various banking and financial products and services to individuals and business customers in Australia and internationally. It offers home and personal loans, deposits, and credit cards through the branch networ...
How the Company Makes Money
ANZ makes money primarily through interest income generated from its lending activities, which include personal loans, mortgages, and business loans. In addition to interest income, ANZ earns revenue through fees and commissions from its wealth ma...
Australia & New Zealand Banking Earnings Call Summary
Earnings Call Date:Nov 07, 2024
(Q4-2024)
| % Change Since: |
Next Earnings Date:May 01, 2026
Earnings Call Sentiment Neutral
ANZ's earnings call reflected a strong strategic progression with the successful acquisition and integration of Suncorp Bank and record performance in the Institutional segment. However, challenges remain in non-financial risk management and margin pressures in retail banking. The strategic focus on technology platforms like ANZ Plus and Transactive aims to address these challenges by reducing costs and improving customer engagement.Positive Updates
Completion of Suncorp Bank Acquisition
ANZ completed the purchase of Suncorp Bank, which is performing better than expected. This acquisition has significantly increased ANZ's customer deposit base, making it the second largest among Australian banks.
Negative Updates
Non-Financial Risk Management Concerns
ANZ faces challenges in non-financial risk management, with APRA placing a capital overlay due to inadequate progress in this area.
Read all updates
Q4-2024 Updates
Positive
Negative
Completion of Suncorp Bank Acquisition
ANZ completed the purchase of Suncorp Bank, which is performing better than expected. This acquisition has significantly increased ANZ's customer deposit base, making it the second largest among Australian banks.
Read all positive updates
Company Guidance
In the call, ANZ provided a comprehensive overview of its financial performance for Fiscal Year 2024, emphasizing several key metrics. The bank noted a strong strategic year, highlighted by the completion of the Suncorp Bank acquisition, contributing to a customer deposit increase of 11% year-on-year and making ANZ the second largest in customer deposits among Australian banks. ANZ's institutional segment delivered record revenues and return on equity, while ANZ Plus now holds a 1% share of all retail deposits in Australia. The bank reported its second highest revenue ever, maintaining stability from 2023 on a constant currency basis, with lending and deposit volumes growing robustly. Cash earnings and earnings per share showed significant growth over two to three years, driving better shareholder dividends. Additionally, substantial investments in technology platforms, amounting to $2.5 billion over five years, facilitated enhancements in efficiency and customer engagement, crucial for sustaining profitability amid challenging market conditions. ANZ also announced a final year dividend of $0.83 per share, franked at 70%, indicating stronger returns for shareholders.Australia & New Zealand Banking Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
44
Neutral
Cash Flow
61
Positive
| Breakdown | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 65.70B | 20.36B | 20.28B | 19.66B | 17.99B |
| Gross Profit | 20.49B | 20.36B | 20.28B | 18.94B | 17.83B |
| EBITDA | 9.80B | 0.00 | 0.00 | 11.09B | 10.02B |
| Net Income | 3.79B | 6.54B | 7.10B | 7.12B | 6.16B |
Balance Sheet | |||||
| Total Assets | 1.30T | 1.23T | 1.11T | 1.09T | 978.86B |
| Cash, Cash Equivalents and Short-Term Investments | 122.72B | 112.99B | 146.44B | 157.53B | 141.89B |
| Total Debt | 219.82B | 121.28B | 150.08B | 134.00B | 78.43B |
| Total Liabilities | 1.23T | 1.16T | 1.04T | 1.02T | 915.18B |
| Stockholders Equity | 71.13B | 69.86B | 69.52B | 65.91B | 63.66B |
Cash Flow | |||||
| Free Cash Flow | 26.11B | 9.95B | 5.88B | 19.52B | 43.26B |
| Operating Cash Flow | 26.11B | 9.95B | 6.49B | 20.18B | 43.82B |
| Investing Cash Flow | -23.94B | -42.12B | -10.69B | -1.82B | 10.26B |
| Financing Cash Flow | 612.00M | 17.91B | 4.38B | -2.35B | -9.67B |
Australia & New Zealand Banking Technical Analysis
Neutral
24.37
Price Trends
26.41
Negative
25.00
Positive
22.83
Positive
Market Momentum
-0.35
Positive
39.82
Neutral
8.62
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ANZGY, the sentiment is Neutral. The current price of 24.37 is below the 20-day moving average (MA) of 26.42, below the 50-day MA of 26.41, and above the 200-day MA of 22.83, indicating a neutral trend. The MACD of -0.35 indicates Positive momentum. The RSI at 39.82 is Neutral, neither overbought nor oversold. The STOCH value of 8.62 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ANZGY.
Australia & New Zealand Banking Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | $120.24B | 11.69 | 18.53% | 3.27% | 7.52% | 10.40% | |
72 Outperform | $160.40B | 10.97 | 13.89% | 1.85% | -15.34% | 16.71% | |
71 Outperform | $71.75B | 11.24 | 12.46% | 4.14% | 2.20% | -0.17% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $75.99B | 26.09 | 8.26% | 4.32% | 2.74% | -11.28% | |
60 Neutral | $70.66B | 9.29 | 9.41% | 1.71% | 17.50% | 49.25% | |
58 Neutral | $56.93B | 4.48 | 14.33% | 3.67% | 7.43% | 30.31% |
* Financial Sector Average
ANZGY
Australia & New Zealand Banking
25.33
7.63
43.09%
BBVA
Banco Bilbao
20.92
7.82
59.65%
BCS
Barclays
20.66
5.57
36.91%
ING
ING Groep
25.12
6.38
34.05%
NWG
NatWest Group
14.30
3.02
26.81%
SAN
Banco Santander SA
10.77
4.13
62.10%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.