Financials

Large, geographically diverse banks with a national footprint whose revenues are derived primarily from conventional banking operations, have significant business activity in retail banking and small and medium corporate lending, and provide a diverse range of financial services. Excludes banks classified in the Regional Banks and Thrifts & Mortgage Finance Sub-Industries. Also excludes investment banks classified in the Investment Banking & Brokerage Sub-Industry.

Commercial banks whose businesses are derived primarily from conventional banking operations and have significant business activity in retail banking and small and medium corporate lending. Regional banks tend to operate in limited geographic regions. Excludes companies in the Diversified Banks and Thrifts & Mortgage Banks sub-industries. Also excludes investment banks classified in the Investment Banking & Brokerage sub-industry.

Financial institutions providing mortgage and mortgage related services. These include financial institutions whose assets are primarily mortgage related, savings & loans, mortgage lending institutions, building societies and companies providing insurance to mortgage banks.

Providers of a diverse range of financial services and/or with some interest in a wide range of financial services including banking, insurance and capital markets, but with no dominant business line. Excludes companies classified in the Regional Banks and Diversified Banks Sub-Industries.

A company with significantly diversified holdings across three or more sectors, none of which contribute a majority of profit and/or sales. Stakes held are predominantly of a non-controlling nature. Includes diversified financial companies where stakes held are of a controlling nature. Excludes other diversified companies classified in the Industrials Conglomerates sub-industry.

Providers of specialized financial services not classified elsewhere. Companies in this sub-industry derive a majority of revenue from one specialized line of business. Includes, but not limited to, commercial financing companies, central banks, leasing institutions, factoring services, and specialty boutiques. Excludes companies classified in the Financial Exchanges & Data sub-industry.

Providers of consumer finance services, including personal credit, credit cards, lease financing, travel-related money services and pawn shops. Excludes mortgage lenders classified in the Thrifts & Mortgage Finance sub-industry.

Financial institutions primarily engaged in investment management and/or related custody and securities fee-based services. Includes companies operating mutual funds, closed-end funds and unit investment trusts. Excludes banks and other financial institutions primarily involved in commercial lending, investment banking, brokerage and other specialized financial activities.

Financial institutions primarily engaged in investment banking and brokerage services, including equity and debt underwriting, mergers and acquisitions, securities lending and advisory services. Excludes banks and other financial institutions primarily involved in commercial lending, asset management and specialized financial activities.

Financial institutions primarily engaged in diversified capital markets activities, including a significant presence in at least two of the following areas: large/major corporate lending, investment banking, brokerage and asset management. Excludes less diversified companies classified in the Asset Management & Custody Banks or Investment Banking & Brokerage sub-industries. Also excludes companies classified in the Banks or Insurance industry groups or the Consumer Finance sub-industry.
Financial exchanges for securities, commodities, derivatives and other financial instruments, and providers of financial decision support tools and products including ratings agencies.

Companies or Trusts that service, originate, purchase and/or securitize residential and/or commercial mortgage loans. Includes trusts that invest in mortgage-backed securities and other mortgage related assets.

Insurance and reinsurance brokerage firms.

Companies providing primarily life, disability, indemnity or supplemental health insurance. Excludes managed care companies classified in the Managed Health Care sub-industry.

Insurance companies with diversified interests in life, health and property and casualty insurance.

Companies providing primarily property and casualty insurance.

Companies providing primarily reinsurance.

Profit & Loss

$ 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Revenue 88,464,000,000 118,923,000,000 141,576,000,000 139,260,000,000 134,030,000,000 139,746,000,000 144,663,000,000 144,890,000,000 147,731,000,000 161,377,000,000
Cost of Goods Sold -22,618,000,000 -49,932,000,000 -72,984,000,000 -70,592,000,000 -67,344,000,000 -70,249,000,000 -75,848,000,000 -77,546,000,000 -83,184,000,000 -98,187,000,000
Gross Profit 65,846,000,000 68,991,000,000 68,592,000,000 68,668,000,000 66,686,000,000 69,497,000,000 68,815,000,000 67,344,000,000 64,547,000,000 63,190,000,000
Operating Costs -23,774,000,000 -31,867,000,000 -25,031,000,000 -16,814,000,000 -17,628,000,000 -18,792,000,000 -17,328,000,000 -19,423,000,000 -20,252,000,000 -21,498,000,000
Operating Profit 42,072,000,000 37,124,000,000 43,561,000,000 51,854,000,000 49,058,000,000 50,705,000,000 51,487,000,000 47,921,000,000 44,295,000,000 41,692,000,000
Financing Costs 715,000,000 -11,272,000,000 -4,125,000,000 -3,880,000,000 -4,330,000,000 -5,964,000,000 -4,371,000,000 -3,884,000,000 -5,522,000,000 -6,723,000,000
Profit Before Tax 42,787,000,000 25,852,000,000 39,436,000,000 47,974,000,000 44,728,000,000 44,741,000,000 47,116,000,000 44,037,000,000 38,773,000,000 34,969,000,000
Income Tax -12,822,000,000 -8,582,000,000 -11,181,000,000 -12,876,000,000 -13,344,000,000 -12,957,000,000 -13,778,000,000 -13,153,000,000 -11,820,000,000 -10,535,000,000
Profit 29,965,000,000 17,270,000,000 28,255,000,000 35,098,000,000 31,384,000,000 31,784,000,000 33,338,000,000 30,884,000,000 26,953,000,000 24,434,000,000

Balance Sheet

$ 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Current Assets 4,178,317,000,000 4,074,075,000,000 3,888,301,000,000 3,732,921,000,000 3,640,692,000,000 3,703,109,000,000 3,760,706,000,000 3,416,590,000,000 3,159,946,000,000 3,002,799,000,000
Non-Current Assets 0 0 0 0 0 0 0 0 0 0
Total Assets 4,178,317,000,000 4,074,075,000,000 3,888,301,000,000 3,732,921,000,000 3,640,692,000,000 3,703,109,000,000 3,760,706,000,000 3,416,590,000,000 3,159,946,000,000 3,002,799,000,000
Current Liabilities 3,878,701,000,000 3,765,198,000,000 3,617,810,000,000 3,467,342,000,000 3,386,298,000,000 3,448,932,000,000 3,515,976,000,000 3,197,717,000,000 2,952,387,000,000 2,803,493,000,000
Non-Current Liabilities 0 0 0 0 0 0 0 0 0 0
Total Liabilities 3,878,701,000,000 3,765,198,000,000 3,617,810,000,000 3,467,342,000,000 3,386,298,000,000 3,448,932,000,000 3,515,976,000,000 3,197,717,000,000 2,952,387,000,000 2,803,493,000,000
Total Equity 299,616,000,000 308,877,000,000 270,491,000,000 265,579,000,000 254,394,000,000 254,177,000,000 244,730,000,000 218,873,000,000 207,559,000,000 199,306,000,000

Cash Flow

$ 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Cash Flow from Operating Activities 139,129,000,000 186,272,000,000 40,018,000,000 26,794,000,000 32,714,000,000 41,354,000,000 12,599,000,000 30,931,000,000 51,329,000,000 26,634,000,000
Cash Flow from Investing Activities 15,961,000,000 -30,529,000,000 -9,664,000,000 -3,767,000,000 -8,722,000,000 -48,737,000,000 -27,469,000,000 -20,322,000,000 -20,810,000,000 -39,207,000,000
Cash Flow from Financing Activities -26,594,000,000 -88,102,000,000 -41,464,000,000 -6,974,000,000 315,000,000 15,105,000,000 651,000,000 3,204,000,000 -33,277,000,000 20,403,000,000
Net Change in Cash 128,496,000,000 67,641,000,000 -11,110,000,000 16,053,000,000 24,307,000,000 7,722,000,000 -14,219,000,000 13,813,000,000 -2,758,000,000 7,830,000,000
Cash at Beginning 256,397,000,000 181,458,000,000 181,834,000,000 157,039,000,000 136,583,000,000 141,481,000,000 136,026,000,000 117,086,000,000 119,641,000,000 103,993,000,000
Exchange Fluctuations -3,526,000,000 -1,769,000,000 7,021,000,000 8,385,000,000 -3,851,000,000 -8,394,000,000 19,674,000,000 5,127,000,000 8,115,000,000 -2,710,000,000
Cash at End of Period 381,367,000,000 247,330,000,000 177,745,000,000 181,477,000,000 157,039,000,000 140,809,000,000 141,481,000,000 136,026,000,000 124,998,000,000 109,113,000,000

Profitability

  2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Gross Margin 74.4% 58.0% 48.4% 49.3% 49.8% 49.7% 47.6% 46.5% 43.7% 39.2%
Operating Margin 47.6% 31.2% 30.8% 37.2% 36.6% 36.3% 35.6% 33.1% 30.0% 25.8%
Profit Margin 33.9% 14.5% 20.0% 25.2% 23.4% 22.7% 23.0% 21.3% 18.2% 15.1%

Management Effectiveness

  2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Return on Assets 0.7% 0.4% 0.7% 0.9% 0.9% 0.9% 0.9% 0.9% 0.9% 0.8%
Return on Equity 10.0% 5.6% 10.4% 13.2% 12.3% 12.5% 13.6% 14.1% 13.0% 12.3%
Current Ratio 1.08 1.08 1.07 1.08 1.08 1.07 1.07 1.07 1.07 1.07
Debt to Equity Ratio 12.95 12.19 13.37 13.06 13.31 13.57 14.37 14.61 14.22 14.07

Valuation

  2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Share Price ($) 41.87 25.03 37.84 34.44 37.68 34.04 35.61 36.55 35.06 27.23
Shares on Issue 11,904,000,379 13,335,537,920 12,565,917,575 12,468,196,321 12,412,293,177 12,353,580,772 12,040,043,974 11,533,794,583 11,395,670,900 11,225,409,149
Market Capitalisation ($) 498,390,568,282 333,810,341,668 475,474,085,641 429,396,245,736 467,709,090,973 420,459,072,512 428,738,583,395 421,588,680,223 399,490,061,325 305,714,702,645
Revenue per Share ($) 7.43 8.92 11.27 11.17 10.80 11.31 12.02 12.56 12.96 14.38
Earnings per Share ($) 2.52 1.30 2.25 2.82 2.53 2.57 2.77 2.68 2.37 2.18
Dividends per Share ($) 1.12 1.01 1.74 0.89 1.11 1.79 1.58 0.79 1.53 0.51
Dividend Yield 2.7% 4.0% 4.6% 2.6% 3.0% 5.3% 4.4% 2.2% 4.4% 1.9%
Price to Sales Ratio 5.6 2.8 3.4 3.1 3.5 3.0 3.0 2.9 2.7 1.9
Price to Earnings Ratio 16.6 19.3 16.8 12.2 14.9 13.2 12.9 13.7 14.8 12.5
Price to Book Ratio 1.7 1.1 1.8 1.6 1.8 1.7 1.8 1.9 1.9 1.5

All Companies in the Financials Sector

Alphabetic by Name


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.

National Australia Bank Limited

The principal activities of the Group during the year were banking services, credit and access card facilities, leasing, housing and general finance, international banking, investment banking, wealth management services, funds management and custodian, trustee and nominee services.

Westpac Banking Corporation

The principal activities of the Group are the provision of financial services including lending, deposit taking, payments services, investment platforms, superannuation and funds management, insurance services, leasing finance, general finance, interest rate risk management, and foreign exchange services.