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Commonwealth Bank of Australia (AU:CBA)
ASX:CBA
Earnings Data
Report Date
Aug 11, 2026TBA (Confirmed)
Period Ending
2026 (Q4)Consensus EPS Forecast
3.31Last Year’s EPS
2.98Same Quarter Last Year
Strong Sell
Based on 10 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a strong operational and financial performance: double-digit and high single-digit growth across core segments, robust deposit and lending inflows, solid capital and liquidity metrics, continued investment payoffs (digital, AI, productivity) and a higher dividend. Offsetting risks include elevated competitive intensity driving deposit pricing and some NIM mix pressure, rising operating and vendor costs, headcount growth despite automation, and macro/geopolitical downside risks. On balance, the positives — including profitable above-system growth, healthy provisioning buffer, strong capital, and execution on strategic investments — materially outweigh the headwinds.Company Guidance
Profit Growth and EPS
Cash net profit increased 6% year-on-year; statutory and cash profits for continuing operations were around $5.4 billion for the half; earnings per share increased by $0.19.
Dividend Strength and Capital Position
Board declared a fully franked interim dividend of $2.35, up $0.10 on prior corresponding period (headline payout ratio 72%, normalized 74%); common equity Tier 1 ratio remained strong at 12.3%, approximately $10 billion above minimum regulatory requirements.
Record Deposit and Lending Growth
Mortgage balances grew $45 billion (+7% year-on-year); business lending grew 12% over 12 months (1.3x system); deposit balances increased by $44 billion in the half — the strongest domestic deposit and lending balance growth in a half since 2008; customer deposit ratio at 79%.
Operating Income and Expense Management
Operating income grew 6.6% year-on-year; underlying operating expenses (excluding restructuring and notable items) increased 5.5%, with about $222 million of incremental cost savings realized in the past 6 months.
Business Bank Momentum
Business Bank pre-provision profit grew 8% and cash profit grew 14%; MFI share increased to 26.9% (up 310 basis points since the start of COVID); added 85,000 business transaction accounts (+7% year-on-year); lending balances increased by $18 billion in the year and business lending balances up 87% ($78 billion) in the past 6 years.
Retail Franchise Strength and Digital Engagement
Retail pre-provision profit growth of 5%; retail MFI share increased slightly to 33.5%; 9.4 million CommBank app users, 14 million daily log-ins, and 12 million retail transaction accounts (35% increase since the start of COVID; +585,000 in past year); 70% of proprietary home loan applications are auto-decisioned same day.
Credit Quality and Provisioning Buffer
Loan impairment expense remained low and broadly flat with the prior comparative period ($319 million for the half); total provisions of approximately $6.3 billion, which is $2.8 billion above the central economic scenario; loan losses in business lending were around 6 basis points in the half.
Strong Funding, Liquidity and Balance Sheet Metrics
Weighted average maturity of long-term funding 5.2 years; liquid assets of $199 billion; 79% deposit funding and a historically low proportion of short-term wholesale funding; record inflows of deposits enabled retirement of some long-term wholesale issuance.
Operational and Technology Achievements
Migrated core banking system to the cloud, delivered 30% more technology changes, reduced critical incidents and improved recovery times by 65%; deployed over 2,900 AI bots to disrupt scammers and send ~40,000 suspicious-activity alerts per day; invested in AI, cybersecurity and digital initiatives for small businesses.
Regional and Institutional Performance
Institutional pre-provision profit increased 13% and regained #1 NPS position; New Zealand ASB operating income grew 8% and outperformed system (1.3x system growth in home, business and rural lending).
AU:CBA Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
AU:CBA Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 10, 2026 | AU$156.64 | AU$167.32 | +6.82% |
Aug 12, 2025 | AU$173.76 | AU$164.35 | -5.41% |
Feb 11, 2025 | AU$155.41 | AU$159.07 | +2.36% |
Aug 13, 2024 | AU$124.73 | AU$126.32 | +1.28% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Commonwealth Bank of Australia (AU:CBA) report earnings?
Commonwealth Bank of Australia (AU:CBA) is schdueled to report earning on Aug 11, 2026, TBA (Confirmed).
What is Commonwealth Bank of Australia (AU:CBA) earnings time?
Commonwealth Bank of Australia (AU:CBA) earnings time is at Aug 11, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of Commonwealth Bank of Australia stock?
The P/E ratio of Commonwealth Bank of Australia is N/A.
What is AU:CBA EPS forecast?
AU:CBA EPS forecast for the fiscal quarter 2026 (Q4) is 3.31.