Financials National Australia Bank Limited

Equities

Market Closed - Australian S.E. Other stock markets 09:10:26 14/01/2026 +04			5-day change	1st Jan Change
41.91 ^AUD	-1.13%		+3.00%	-0.95%

05:51am	Australia, NZ dollars seesaw on greenback, keep climbing on yen	RE
04:41am	Australian shares flat as financials offset mining and energy gains	RE

Fiscal Period: September	2021	2022	2023	2024	2025	2026	2027	2028
Net sales ¹	16,806	18,296	20,648	20,646	20,813	21,673	22,450	23,231
Change	-	8.87%	12.86%	-0.01%	0.81%	4.13%	3.58%	3.48%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	8,989	10,022	11,266	10,620	10,965	11,483	12,007	12,526
Change	-	11.49%	12.41%	-5.73%	3.25%	4.73%	4.56%	4.33%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	9,068	9,744	10,450	9,879	9,691	10,471	10,835	11,212
Change	-	7.45%	7.25%	-5.46%	-1.9%	8.05%	3.48%	3.48%
Net income ¹	6,364	6,891	7,414	6,960	6,759	7,287	7,534	7,771
Change	-	8.28%	7.59%	-6.12%	-2.89%	7.8%	3.39%	3.16%
Announcement Date	08/11/21	08/11/22	09/11/23	06/11/24	05/11/25	-	-	-

¹AUD in Million

Estimates

Fiscal Period: September	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1
Net sales ¹	-	-	4,274	4,274	4,536
Change	-	-	-	0%	6.14%
EBITDA	-	-	-	-	-
Change	-	-	-	-	-
EBIT	-	4,222	-	-	-
Change	-	-	-	-	-
Charge d'intérêts	-	-	-	-	-
Earnings before Tax (EBT) ¹	-	-	-	-	2,500
Change	-	-	-	-	-
Net income ¹	1,700	-	-	-	1,800
Change	-	-	-	-	-
Announcement Date	15/02/21	05/05/21	08/11/22	08/11/21	09/02/22

¹AUD in Million

Estimates

Fiscal Period: September	2021 S2	2022 S1	2022 S2	2023 S1	2023 S2	2024 S1	2024 S2	2025 S1	2025 S2	2026 S1	2026 S2	2027 S1	2027 S2
Net sales ¹	8,367	8,828	9,468	10,568	10,080	10,138	10,476	10,281	10,545	10,681	10,877	11,135	11,533
Change	-	5.51%	7.25%	11.62%	-4.62%	0.58%	3.33%	-1.86%	2.57%	1.29%	1.83%	2.38%	3.57%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	4,413	4,865	5,157	6,108	5,158	5,461	5,269	5,463	5,502	5,601	5,709	5,805	-
Change	-	10.24%	6%	18.44%	-15.55%	5.87%	-3.52%	3.68%	0.71%	1.79%	1.93%	1.69%	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	-	5,001	4,743	-	-	4,975	-	4,896	4,795	5,078	5,206	-	-
Change	-	-	-5.16%	-	-	-	-	-	-2.06%	5.91%	2.52%	-	-
Net income ¹	3,156	3,551	3,340	3,967	3,447	3,494	3,466	3,407	3,352	3,551	3,642	-	-
Change	-	12.52%	-5.94%	18.77%	-13.11%	1.36%	-0.8%	-1.7%	-1.61%	5.94%	2.55%	-	-
Announcement Date	08/11/21	04/05/22	08/11/22	03/05/23	09/11/23	01/05/24	06/11/24	06/05/25	05/11/25	-	-	-	-

¹AUD in Million

Estimates

Fiscal Period: September	2021	2022	2023	2024	2025	2026	2027	2028
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	08/11/21	08/11/22	09/11/23	06/11/24	05/11/25	-	-	-

Estimates

Fiscal Period: September	2020	2021	2022	2023	2024	2025
CAPEX ¹	972	858	1,077	1,192	1,440	1,408
Change	-	-11.73%	25.52%	10.68%	20.81%	-2.22%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	10/11/20	08/11/21	08/11/22	09/11/23	06/11/24	05/11/25

¹AUD in Million

Estimates

Fiscal Period: September	2020	2021	2022	2023	2024	2025	2026	2027	2028
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	53.49%	54.78%	54.56%	51.44%	52.68%	52.98%	53.48%	53.92%
EBT Margin (%)	-	53.96%	53.26%	50.61%	47.85%	46.56%	48.31%	48.26%	48.27%
Net margin (%)	-	37.87%	37.66%	35.91%	33.71%	32.47%	33.62%	33.56%	33.45%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.73%	0.72%	0.73%	0.66%	0.62%	0.68%	0.75%	0.75%
ROE	-	10.57%	11.66%	12.9%	11.6%	11.4%	11.35%	11.24%	11.21%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	1.27	1.51	1.67	1.69	1.7	1.714	1.715	1.75
Change	-	-	18.9%	10.6%	1.2%	0.59%	0.83%	0.04%	2.04%
Book Value Per Share ¹	-	17.73	18.34	19.65	20.05	20.54	21.23	22	22.78
Change	-	-	3.41%	7.15%	2.02%	2.47%	3.36%	3.59%	3.55%
EPS ¹	-	1.882	2.056	2.287	2.227	2.199	2.358	2.417	2.473
Change	-	-	9.25%	11.24%	-2.62%	-1.26%	7.23%	2.5%	2.33%
Nbr of stocks (in thousands)	-	3,275,762	3,146,471	3,121,044	3,065,431	3,055,408	3,060,059	3,060,059	3,060,059
Announcement Date	-	08/11/21	08/11/22	09/11/23	06/11/24	05/11/25	-	-	-