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Westpac Banking

ASX:WBC · AU000000WBC1
BanksMedium

360

3
Profit price20
Cash yield79
Price/Sales49
EV / Gross Profit20
Price/Book34
Returns on capital17
Profit margins—
Cash Conversion4
Owner Earnings Margin62
Sales growth20
Profit Growth80
Long-Term EPS Growth12
Reinvestment59
Price momentum31
Debt load10
Debt serviceability18
Liquidity49
Analyst ratings6
Opinion Changes50
Price Target Upside5
Market mood27
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Westpac Banking clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 1/5 components.

Profile

CountryAustralia
IndustryBanks
SizeMedium
TypePublic Company
ExchangeASX
Founded2002
Employees24,402
Websitewestpac.com.au
ISINAU000000WBC1
Last UpdateApr 2, 2026
Indices
ASX 100 (Australia)ASX 200 (Australia)ASX 300 (Australia)ASX 50 (Australia)
Themes
BankingCareer Planning

Description

Westpac Banking Corporation (Westpac) provides banking and other financial services in Australia and New Zealand. The company operates under multiple brands, and predominantly in Australia and New Zealand, with a small presence in Europe, North Amer…

Analysis

Weak and unloved

Westpac Banking Corporation is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is fair. You pay 17.5× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone. At today's price, the market is assuming roughly 4% yearly growth; analysts expect 5%. The price, in other words, assumes less than the experts do.

The trajectory is tepid and the balance sheet is sturdy. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
9
2023202420252026

All-time high

45

Mar 2023

All-time low

1

Dec 2025

Average rank

18

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
49
34
34
36
Price/Earnings
45
19
33
34
Price/Book
34
25
28
38
Dividend Yield
79
63
76
87
Value (overall)
69
15
23
60

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →