ANZ Group Holdings (ANZ) AI Stock Analysis

• Market Cap: AU$109.17B
• Dividend Yield: 4.53%
• Average Volume (3M): 5.41M
• Price to Earnings (P/E): 16.8
• Beta (1Y): 1.21
• Revenue Growth: 5.21%
• EPS Growth: -9.07%
• Country: AU
• Employees: 43,094
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Diversified
• EPS (TTM): 0.74
• Shares Outstanding: 3,014,198,700
• 10 Day Avg. Volume: 4,921,800
• 30 Day Avg. Volume: 5,408,936
• PEG Ratio: -1.83
• Price to Book (P/B): 1.39
• Price to Sales (P/S): 1.46
• P/FCF Ratio: 3.78
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: AU$36.19
• Price Target Upside: -8.35% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 10
• EPS Forecast (FY): 2.52
• Revenue Forecast (FY): AU$22.81B

• Rating: 70 Outperform
• Price Target: AU$43.00 ▲(8.89% Upside)
• Action: Reiterated Date: 12/11/25
• Date: Action: Reiterated 12/11/25

ANZ Group Holdings' overall stock score is driven by strong financial performance, particularly in cash flow management and operational efficiency. The technical analysis suggests a neutral trend with potential overbought conditions, while the valuation is fair with an attractive dividend yield. The absence of earnings call data and corporate events does not impact the score.

Positive Factors

Strong free cash flow generation

ANZ reports consistently high free cash flow and strong operating cash flow relative to net income. Durable cash generation supports reinvestment, dividend capacity and balance-sheet repair over multiple quarters, reducing reliance on volatile market funding sources.

Negative Factors

Elevated leverage relative to peers

ANZ's leverage remains elevated despite improvement, constraining balance-sheet flexibility. Higher debt levels increase sensitivity to funding costs and regulatory capital demands, limiting room for large capital returns or aggressive lending expansion without deleveraging.

ANZ Group Holdings Business Overview & Revenue Model

Company Description

Australia and New Zealand Banking Group Limited provides various banking and financial products and services in Australia and internationally. Its Australia Retail division offers home and personal loans, deposits, and credit cards through the bra...

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Australia and New Zealand Banking Group Limited provides various banking and financial products and services in Australia and internationally. Its Australia Retail division offers home and personal loans, deposits, and credit cards through the bra...

How the Company Makes Money

ANZ generates revenue primarily through interest income, which comes from lending activities in retail and commercial banking. The bank earns interest from loans provided to personal and business customers, which is a significant revenue stream. A...

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ANZ generates revenue primarily through interest income, which comes from lending activities in retail and commercial banking. The bank earns interest from loans provided to personal and business customers, which is a significant revenue stream. A...

ANZ Group Holdings Financial Statement Overview

Breakdown	Sep 2025	Sep 2024	Sep 2023	Sep 2022	Sep 2021
Income Statement
Total Revenue	67.44B	64.92B	53.52B	27.74B	23.21B
Gross Profit	22.31B	20.36B	20.28B	18.94B	17.83B
EBITDA	9.80B	10.46B	10.77B	10.84B	10.63B
Net Income	5.89B	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	303.64B	150.08B	134.00B	212.82B
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	43.81B
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

ANZ Group Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 39.49
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:ANZ, the sentiment is Negative. The current price of 39.49 is above the 20-day moving average (MA) of 37.83, above the 50-day MA of 37.79, and above the 200-day MA of 34.18, indicating a neutral trend. The MACD of -0.46 indicates Positive momentum. The RSI at 39.50 is Neutral, neither overbought nor oversold. The STOCH value of 22.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:ANZ.

ANZ Group Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ANZ	70 Outperform	AU$109.17B	16.76	8.26%	4.53%	5.21%	-9.07%
CBA	70 Outperform	AU$291.31B	12.51	13.27%	3.00%	6.39%	7.78%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WBC	61 Neutral	AU$137.83B	9.26	9.55%	3.90%	1.57%	0.13%
NAB	58 Neutral	AU$130.77B	19.98	8.08%	4.00%	-4.56%	-1.63%
MQG	56 Neutral	AU$71.08B	12.15	10.75%	3.27%	3.65%	1.58%
BEN	51 Neutral	AU$5.72B	6.45	-1.25%	5.99%	5.39%	-117.83%

ANZ Group Holdings Corporate Events