Nationwide Building Society (GB:NBS)
LSE:NBS
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Nationwide Building Society
(LSE:NBS)
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Rating:66Neutral
Price Target:
14,094.00 p
▲(8.00% Upside)
Action:ReiteratedDate:12/07/25
Nationwide Building Society's overall score reflects strong corporate events and a solid financial foundation, offset by technical indicators suggesting potential overbought conditions and concerns over leverage and cash flow. The stock appears undervalued, but the lack of a dividend yield and high leverage are notable risks.
Positive Factors
Revenue Growth
Strong revenue growth indicates expanding market reach and effective product offerings, which can enhance long-term profitability and competitiveness.
Negative Factors
High Leverage
High leverage can increase financial risk, especially if interest rates rise, potentially impacting cash flow and limiting strategic options.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Strong revenue growth indicates expanding market reach and effective product offerings, which can enhance long-term profitability and competitiveness.
Read all positive factors
Nationwide Building Society (NBS) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£1.36B
Dividend YieldN/A
Average Volume (3M)560.00
Price to Earnings (P/E)0.9
Beta (1Y)0.07
Revenue Growth24.32%
EPS Growth122.52%
CountryUK
Employees18,310
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)37.27
Shares Outstanding10,555,500
10 Day Avg. Volume330
30 Day Avg. Volume560
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.06
Price to Sales (P/S)0.07
P/FCF Ratio-0.15
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Nationwide Building Society Business Overview & Revenue Model
Company Description
Nationwide Building Society, together with its subsidiaries, provides retail financial services in the United Kingdom. The company offers current, savings, and individual savings accounts; residential mortgages; overdrafts, personal loans, car loa...
How the Company Makes Money
Nationwide Building Society generates revenue primarily through the interest earned on mortgages and loans. As a building society, it collects deposits from members, which are then used to fund lending activities. The interest rate spread between ...
Nationwide Building Society Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 18.01B | 16.27B | 4.67B | 9.32B | 5.04B | 4.54B |
| Gross Profit | 2.77B | 5.18B | 4.74B | 9.32B | 5.04B | 4.54B |
| EBITDA | 872.00M | 2.89B | 2.23B | -57.00M | 0.00 | 0.00 |
| Net Income | 2.22B | 2.30B | 1.30B | 1.66B | 1.25B | 618.00M |
Balance Sheet | ||||||
| Total Assets | 377.47B | 367.88B | 271.92B | 271.89B | 272.35B | 254.91B |
| Cash, Cash Equivalents and Short-Term Investments | 35.27B | 29.48B | 25.16B | 25.95B | 30.82B | 17.70B |
| Total Debt | 65.68B | 54.24B | 54.89B | 61.17B | 72.07B | 64.36B |
| Total Liabilities | 358.92B | 347.39B | 254.23B | 256.32B | 257.99B | 242.14B |
| Stockholders Equity | 18.34B | 19.72B | 17.69B | 15.57B | 14.36B | 12.78B |
Cash Flow | ||||||
| Free Cash Flow | -27.95B | -8.31B | 7.08B | 1.80B | 1.07B | 937.00M |
| Operating Cash Flow | -27.84B | -7.91B | 7.17B | 2.14B | 1.35B | 1.28B |
| Investing Cash Flow | 10.32B | 10.77B | 792.00M | -4.21B | -4.96B | -7.95B |
| Financing Cash Flow | -7.79B | 1.44B | -9.31B | -2.79B | 16.72B | 9.96B |
Nationwide Building Society Technical Analysis
Negative
13050.00
Price Trends
13212.00
Negative
13130.00
Negative
13082.50
Negative
Market Momentum
-53.61
Positive
4.63
Positive
53.80
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:NBS, the sentiment is Negative. The current price of 13050 is below the 20-day moving average (MA) of 13192.50, below the 50-day MA of 13212.00, and below the 200-day MA of 13082.50, indicating a bearish trend. The MACD of -53.61 indicates Positive momentum. The RSI at 4.63 is Positive, neither overbought nor oversold. The STOCH value of 53.80 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:NBS.
Nationwide Building Society Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | £1.39B | 6.98 | 15.28% | 11.03% | 8.78% | -38.83% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | £54.35B | 10.47 | 8.08% | 3.41% | -22.85% | -21.12% | |
66 Neutral | £1.36B | 0.87 | 11.68% | ― | 24.32% | 122.52% | |
65 Neutral | £1.42B | 5.39 | 12.70% | 4.74% | -4.98% | 3.02% | |
59 Neutral | £138.39M | 5.59 | 6.10% | 5.68% | 1.68% | -46.69% | |
47 Neutral | £758.21M | 11.65 | 5.16% | ― | -29.12% | 964.19% |
* Financial Sector Average
GB:NBS
Nationwide Building Society
12,900.00
-350.00
-2.64%
GB:ARBB
Arbuthnot Banking
855.00
-20.93
-2.39%
GB:LRE
Lancashire Holdings
571.00
92.34
19.29%
GB:LLOY
Lloyds Banking
92.68
22.80
32.63%
GB:MTRO
Metro Bank
112.60
18.80
20.04%
GB:PAG
Paragon Banking Group PLC
758.50
23.04
3.13%
Nationwide Building Society Corporate Events
Business Operations and StrategyPrivate Placements and Financing
Nationwide Issues £500m Senior Non-Preferred Notes Under European Programme
Positive
Jan 8, 2026
Nationwide Building Society has published the final terms for a new £500m Fixed Rate Reset Senior Non-Preferred Notes issuance due December 2033, launched under its existing US$35bn European Note Programme. The move underscores NationwideR...
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
Nationwide Names Mike Rogers as Next Chair After Virgin Money Integration
Positive
Jan 8, 2026
Nationwide Building Society has announced that veteran financial services executive Mike Rogers will succeed Kevin Parry OBE as chair of Nationwide, Virgin Money UK and Clydesdale Bank, joining the board as an independent non-executive director an...
Business Operations and StrategyExecutive/Board Changes
Nationwide Strengthens Board Oversight With Appointment of Audit Veteran Guy Bainbridge
Positive
Dec 19, 2025
Nationwide Building Society has announced the appointment of veteran audit and banking specialist Guy Bainbridge as a non-executive director on the boards of Nationwide, Virgin Money and Clydesdale Bank from 1 February 2026, with a planned transit...
Regulatory Filings and Compliance
Nationwide Building Society Updates Financial Documentation
Neutral
Dec 16, 2025
Nationwide Building Society has announced the publication of a supplement to its previously issued Registration Document and Base Prospectuses, which have been approved by the Financial Conduct Authority. This update pertains to its significant fi...
Financial DisclosuresRegulatory Filings and Compliance
Nationwide Building Society Passes 2025 Bank of England Stress Test
Positive
Dec 2, 2025
Nationwide Building Society has successfully passed the Bank of England’s 2025 Capital Stress Test, demonstrating resilience with a CET1 ratio of 14.5% and a leverage ratio of 4.8%, both comfortably above the regulatory requirements. This ou...
Financial DisclosuresRegulatory Filings and Compliance
Nationwide Building Society Releases Supplement to Financial Documents
Neutral
Nov 20, 2025
Nationwide Building Society has published a supplement to its previously released Registration Document and Base Prospectuses, which has been approved by the Financial Conduct Authority. This update pertains to its significant financial programmes...
Financial Disclosures
Nationwide Building Society Releases Interim Results for 2025
Neutral
Nov 20, 2025
Nationwide Building Society has released its Interim Results for the six-month period ending 30 September 2025. This announcement provides stakeholders with insights into the company’s financial performance and operational status, potentiall...
Private Placements and Financing
Nationwide Building Society Issues £500 Million Covered Bonds
Neutral
Oct 21, 2025
Nationwide Building Society has announced the publication of the final terms for a new issuance of £500 million in fixed-rate covered bonds, part of its €45 billion Global Covered Bond Programme. This issuance, guaranteed by Nationwide ...
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.