Commonwealth Bank of Australia

We are one of the leading providers of financial services in Australia. We serve more than 15 million customers with a focus on providing retail and commercial banking services predominantly in Australia, and in New Zealand through our subsidiary ASB. Our products and services are provided through our division, Retail Banking Services, Business Banking, Institutional Banking and Markets, and ASB New Zealand.

Australia Stock Exchange: CBA

Profit or Loss

($) 30 Jun 2021 30 Jun 2020 30 Jun 2019 30 Jun 2018 30 Jun 2017 30 Jun 2016 30 Jun 2015 30 Jun 2014 30 Jun 2013 30 Jun 2012
Revenue 24,658,000,000 30,162,000,000 34,588,000,000 34,543,000,000 33,293,000,000 33,817,000,000 34,100,000,000 33,645,000,000 34,739,000,000 38,258,000,000
Cost of Goods Sold -5,819,000,000 -11,552,000,000 -16,468,000,000 -16,202,000,000 -15,693,000,000 -16,882,000,000 -18,305,000,000 -18,544,000,000 -20,805,000,000 -25,136,000,000
Gross Profit 18,839,000,000 18,610,000,000 18,120,000,000 18,341,000,000 17,600,000,000 16,935,000,000 15,795,000,000 15,101,000,000 13,934,000,000 13,122,000,000
Operating Costs -5,910,000,000 -5,613,000,000 -5,156,000,000 -3,842,000,000 -2,561,000,000 -2,825,000,000 -2,195,000,000 -2,186,000,000 -2,060,000,000 -2,069,000,000
Operating Profit 12,929,000,000 12,997,000,000 12,964,000,000 14,499,000,000 15,039,000,000 14,110,000,000 13,600,000,000 12,915,000,000 11,874,000,000 11,053,000,000
Financing Costs -554,000,000 -2,518,000,000 -1,201,000,000 -1,079,000,000 -1,095,000,000 -1,256,000,000 -988,000,000 -918,000,000 -1,146,000,000 -1,089,000,000
Profit Before Tax 12,375,000,000 10,479,000,000 11,763,000,000 13,420,000,000 13,944,000,000 12,854,000,000 12,612,000,000 11,997,000,000 10,728,000,000 9,964,000,000
Income Tax -3,532,000,000 -3,020,000,000 -3,391,000,000 -4,026,000,000 -3,992,000,000 -3,607,000,000 -3,528,000,000 -3,347,000,000 -3,035,000,000 -2,858,000,000
Profit 8,843,000,000 7,459,000,000 8,372,000,000 9,394,000,000 9,952,000,000 9,247,000,000 9,084,000,000 8,650,000,000 7,693,000,000 7,106,000,000

Balance Sheet

($) 30 Jun 2021 30 Jun 2020 30 Jun 2019 30 Jun 2018 30 Jun 2017 30 Jun 2016 30 Jun 2015 30 Jun 2014 30 Jun 2013 30 Jun 2012
Current Assets 1,091,962,000,000 1,014,060,000,000 976,502,000,000 975,165,000,000 976,374,000,000 933,078,000,000 873,446,000,000 791,451,000,000 753,876,000,000 718,229,000,000
Non-Current Assets 0 0 0 0 0 0 0 0 0 0
Total Assets 1,091,962,000,000 1,014,060,000,000 976,502,000,000 975,165,000,000 976,374,000,000 933,078,000,000 873,446,000,000 791,451,000,000 753,876,000,000 718,229,000,000
Current Liabilities 1,013,244,000,000 942,047,000,000 906,853,000,000 907,305,000,000 912,658,000,000 872,322,000,000 820,453,000,000 742,103,000,000 708,384,000,000 676,657,000,000
Non-Current Liabilities 0 0 0 0 0 0 0 0 0 0
Total Liabilities 1,013,244,000,000 942,047,000,000 906,853,000,000 907,305,000,000 912,658,000,000 872,322,000,000 820,453,000,000 742,103,000,000 708,384,000,000 676,657,000,000
Total Equity 78,718,000,000 72,013,000,000 69,649,000,000 67,860,000,000 63,716,000,000 60,756,000,000 52,993,000,000 49,348,000,000 45,492,000,000 41,572,000,000

Cash Flow

($) 30 Jun 2021 30 Jun 2020 30 Jun 2019 30 Jun 2018 30 Jun 2017 30 Jun 2016 30 Jun 2015 30 Jun 2014 30 Jun 2013 30 Jun 2012
Cash Flow from Operating Activities 41,312,000,000 38,860,000,000 18,086,000,000 1,109,000,000 -807,000,000 -4,561,000,000 7,183,000,000 3,963,000,000 6,577,000,000 -2,884,000,000
Cash Flow from Investing Activities 871,000,000 3,696,000,000 983,000,000 -1,002,000,000 -677,000,000 -2,032,000,000 -1,215,000,000 201,000,000 -1,256,000,000 -1,281,000,000
Cash Flow from Financing Activities 18,311,000,000 -32,232,000,000 -25,739,000,000 -934,000,000 10,472,000,000 1,620,000,000 -7,875,000,000 1,935,000,000 -6,158,000,000 -1,819,000,000
Net Change in Cash 60,494,000,000 10,324,000,000 -6,670,000,000 -827,000,000 8,988,000,000 -4,973,000,000 -1,907,000,000 6,099,000,000 -837,000,000 -5,984,000,000
Cash at Beginning 27,351,000,000 17,010,000,000 23,005,000,000 23,117,000,000 14,447,000,000 19,270,000,000 19,128,000,000 12,618,000,000 12,603,000,000 7,928,000,000
Exchange Fluctuations -465,000,000 17,000,000 675,000,000 715,000,000 -318,000,000 150,000,000 2,049,000,000 411,000,000 852,000,000 131,000,000
Cash at End of Period 87,380,000,000 27,351,000,000 17,010,000,000 23,005,000,000 23,117,000,000 14,447,000,000 19,270,000,000 19,128,000,000 12,618,000,000 2,075,000,000

Profitability

  30 Jun 2021 30 Jun 2020 30 Jun 2019 30 Jun 2018 30 Jun 2017 30 Jun 2016 30 Jun 2015 30 Jun 2014 30 Jun 2013 30 Jun 2012
Gross Margin 76.4% 61.7% 52.4% 53.1% 52.9% 50.1% 46.3% 44.9% 40.1% 34.3%
Operating Margin 52.4% 43.1% 37.5% 42.0% 45.2% 41.7% 39.9% 38.4% 34.2% 28.9%
Profit Margin 35.9% 24.7% 24.2% 27.2% 29.9% 27.3% 26.6% 25.7% 22.1% 18.6%

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Management Effectiveness

  30 Jun 2021 30 Jun 2020 30 Jun 2019 30 Jun 2018 30 Jun 2017 30 Jun 2016 30 Jun 2015 30 Jun 2014 30 Jun 2013 30 Jun 2012
Return on Assets 0.8% 0.7% 0.9% 1.0% 1.0% 1.0% 1.0% 1.1% 1.0% 1.0%
Return on Equity 11.2% 10.4% 12.0% 13.8% 15.6% 15.2% 17.1% 17.5% 16.9% 17.1%
Current Ratio 1.08 1.08 1.08 1.07 1.07 1.07 1.06 1.07 1.06 1.06
Debt to Equity Ratio 12.87 13.08 13.02 13.37 14.32 14.36 15.48 15.04 15.57 16.28

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Valuation

  30 Jun 2021 30 Jun 2020 30 Jun 2019 30 Jun 2018 30 Jun 2017 30 Jun 2016 30 Jun 2015 30 Jun 2014 30 Jun 2013 30 Jun 2012
Share Price ($) 99.87 69.42 82.78 72.87 82.81 74.37 84.67 80.44 68.81 52.81
Shares on Issue 1,772,431,382 1,768,144,067 1,767,730,879 1,756,617,620 1,726,013,398 1,711,061,742 1,622,938,436 1,615,803,159 1,605,852,830 1,585,280,375
Market Capitalisation ($) 177,012,722,120 122,744,561,131 146,332,762,164 128,004,725,969 142,931,169,488 127,251,661,753 137,414,197,376 129,975,206,110 110,498,733,232 83,718,656,604
Revenue per Share ($) 13.91 17.06 19.57 19.66 19.29 19.76 21.01 20.82 21.63 24.13
Earnings per Share ($) 4.99 4.22 4.74 5.35 5.77 5.40 5.60 5.35 4.79 4.48
Dividend per Share ($) 2.33 4.31 3.88 -3.05 3.52 3.41 3.82 -3.40 3.03 2.36
Dividend Yield 2.3% 6.2% 4.7% -4.2% 4.3% 4.6% 4.5% -4.2% 4.4% 4.5%
Price to Sales Ratio 7.2 4.1 4.2 3.7 4.3 3.8 4.0 3.9 3.2 2.2
Price to Earnings Ratio 20.0 16.5 17.5 13.6 14.4 13.8 15.1 15.0 14.4 11.8
Price to Book Ratio 2.2 1.7 2.1 1.9 2.2 2.1 2.6 2.6 2.4 2.0

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