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National Bank of Canada

TOR:NA · CA6330671034
BanksMedium

360

9
Profit price10
Cash yield55
Price/Sales7
Price/Book5
Returns on capital70
Profit margins—
Cash Conversion10
Accruals13
Owner Earnings Margin36
Sales growth69
Profit Growth83
Long-Term EPS Growth55
Owner Earnings Growth39
Reinvestment67
Price momentum90
Debt load100
Debt serviceability78
Liquidity81
Analyst ratings19
Opinion Changes35
Price Target Upside5
Market mood95
Value Creation13/20creating 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

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

Based on 3/5 components.

Profile

CountryCanada
IndustryBanks
SizeMedium
TypePublic Company
ExchangeTSX
Employees15,879
Websitenbc.ca
ISINCA6330671034
Last UpdateApr 2, 2026
Indices
Renewable Energy UsersTSX Composite (Canada)
Themes
Financial ServicesLending and Investments

Description

National Bank of Canada offers financial services to individuals, businesses, institutional clients and governments across Canada. The company's full line of services include banking and investing solutions for individuals and businesses, corporate…

Analysis

Hope premium

National Bank of Canada carries what we call a hope premium: an average business trading at an ambitious price.

The price is fair. You pay 19.5× 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 6% yearly growth; analysts expect 12%. The price, in other words, assumes less than the experts do.

The trajectory is solid and the balance sheet is adequate. The company scores 13/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

What to watch: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
71
2023202420252026

All-time high

86

Oct 2024

All-time low

23

Jan 2025

Average rank

65

across all years

Detailed & Historical Ranks

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

Current202520242023
Price/Sales
7
27
40
73
Price/Earnings
7
66
69
89
Price/Book
5
11
15
15
Dividend Yield
55
75
65
62
Value (overall)
10
40
26
21

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 →