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Commonwealth Bank of Australia (CMWAY)
OTHER OTC:CMWAY
Earnings Data
Report Date
Aug 11, 2026TBA (Confirmed)
Period Ending
2026 (Q4)Consensus EPS Forecast
―Last Year’s EPS
1.89Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized robust financial and franchise performance: double-digit growth in parts of the business bank, strong deposit and mortgage inflows, ~6% cash profit growth, a healthy capital and liquidity position (CET1 12.3%, liquid assets $199bn) and continued investment in technology and AI with measurable productivity and safety gains. Offsetting these positives are persistent competitive intensity (pressuring margins), rising operating and IT/vendor costs, and macro/interest-rate uncertainty that could moderate future credit growth and deposit/margin dynamics. Management portrays a confident, disciplined stance with conservative provisioning and capital buffers.Company Guidance
Profitability and EPS Growth
Cash/stated profit around $5.4bn (statutory and cash profits on continuing operations), with cash net profit up ~6% year-on-year and earnings per share up $0.19. Cash profit growth described as a little over 6% on both the prior corresponding period and the prior half.
Dividend and Capital Returns
Interim dividend of $2.35 per share, up $0.10 on the prior corresponding period; fully franked. Dividend payout ~72% headline (normalized ~74%). $4.4bn in dividends paid this half; 11th consecutive period of DRP neutralization and DRP offered fully neutralized with no discount.
Strong Balance Sheet and Liquidity
Common Equity Tier 1 ratio 12.3% (about $10bn above minimum regulatory requirements). Liquid assets $199bn. Deposit funding ratio ~79% and weighted average maturity of long-term funding 5.2 years. Total provisions ~$6.3bn, ~$2.8bn above central economic scenario.
Exceptional Deposit and Lending Growth
Deposit balances increased by ~$44bn in the half. Mortgage balances up ~$45bn (≈7% year-on-year) to $622bn. Business lending grew strongly (cited as 12% and described as 1.3x system), with business lending balances up ~$18bn in the year and 87% growth over six years in business lending balances.
Revenue and Income Momentum
Operating income increased 6.6% year-on-year; net interest income increased (up $761m) supported by above-system profitable lending and deposit growth. Retail pre-provision profit +5%; Business Bank pre-provision profit +8% and cash profit +14%; Institutional pre-provision profit +13%.
Customer Franchises, Engagement and Market Shares
Retail MFI share increased slightly to 33.5%; Business Bank MFI share up to 26.9% (310 bps increase since COVID). 9.4m CommBank app users and 14m daily log-ins; 12m retail transaction accounts (35% increase since start of COVID, +585k in past year). 97% of home loan customers hold a transaction account with CBA.
Technology, AI and Operational Improvements
Investing in data, technology and AI: migrated core banking to cloud (30% more technology changes), reduced critical incidents and improved recovery times by 65%, deployed 2,900+ AI bots against scammers and send ~40,000 daily suspicious-activity alerts. Auto-decisioning: 70% of proprietary home loan applications auto-decisioned same day; BizExpress auto approvals doubled in 2 years and annual loan maintenance reduced by ~85%.
Credit Quality and Provisioning Buffer
Credit environment described as benign: loan impairment expense ~$319m (flat y/y), business loan losses ~6 basis points in the half, troublesome/nonperforming exposures decreased and home loan hardship customers down 28% since June 2024. Provision balance of ~$6.3bn provides a material buffer above central economic scenario.
CMWAY 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
CMWAY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 10, 2026 | $111.04 | $118.97 | +7.15% |
Aug 12, 2025 | $113.28 | $107.74 | -4.89% |
Feb 11, 2025 | $97.72 | $99.80 | +2.13% |
Aug 13, 2024 | $82.39 | $83.59 | +1.46% |
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 (CMWAY) report earnings?
Commonwealth Bank of Australia (CMWAY) is schdueled to report earning on Aug 11, 2026, TBA (Confirmed).
What is Commonwealth Bank of Australia (CMWAY) earnings time?
Commonwealth Bank of Australia (CMWAY) 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 CMWAY EPS forecast?
Currently, no data Available