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Bank Of Queensland Ltd.
Buy, Hold or Sell?

Let's analyse Bank Of Queensland Ltd. together

PenkeI guess you are interested in Bank Of Queensland Ltd.. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Bank Of Queensland Ltd.. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Bank Of Queensland Ltd. (30 sec.)










What can you expect buying and holding a share of Bank Of Queensland Ltd.? (30 sec.)

How much money do you get?

How much money do you get?
A$0.88
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
A$9.37
Expected worth in 1 year
A$10.48
How sure are you?
90.0%

+ What do you gain per year?

Total Gains per Share
A$2.47
Return On Investment
39.6%

For what price can you sell your share?

Current Price per Share
A$6.24
Expected price per share
A$5.735 - A$6.8384132231405
How sure are you?
50%

1. Valuation of Bank Of Queensland Ltd. (5 min.)




Live pricePrice per Share (EOD)

A$6.24

Intrinsic Value Per Share

A$8.47 - A$56.04

Total Value Per Share

A$17.84 - A$65.41

2. Growth of Bank Of Queensland Ltd. (5 min.)




Is Bank Of Queensland Ltd. growing?

Current yearPrevious yearGrowGrow %
How rich?$3.9b$4.2b-$345.5m-8.8%

How much money is Bank Of Queensland Ltd. making?

Current yearPrevious yearGrowGrow %
Making money$79.6m$262.7m-$183m-229.8%
Net Profit Margin7.3%25.0%--

How much money comes from the company's main activities?

3. Financial Health of Bank Of Queensland Ltd. (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Bank Of Queensland Ltd.? (5 min.)

Welcome investor! Bank Of Queensland Ltd.'s management wants to use your money to grow the business. In return you get a share of Bank Of Queensland Ltd..

What can you expect buying and holding a share of Bank Of Queensland Ltd.?

First you should know what it really means to hold a share of Bank Of Queensland Ltd.. And how you can make/lose money.

Speculation

The Price per Share of Bank Of Queensland Ltd. is A$6.24. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Bank Of Queensland Ltd..
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Bank Of Queensland Ltd., you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is A$9.37. Based on the TTM, the Book Value Change Per Share is A$0.28 per quarter. Based on the YOY, the Book Value Change Per Share is A$-0.38 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is A$0.34 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Bank Of Queensland Ltd..

How much money are you going to get?

 MRQTTMYOY5Y10Y
 A$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per Share
Usd Eps0.121.9%0.121.9%0.375.9%0.254.0%0.284.5%
Usd Book Value Change Per Share0.182.8%0.182.8%-0.24-3.9%0.457.2%0.335.2%
Usd Dividend Per Share0.223.5%0.223.5%0.203.3%0.172.8%0.182.9%
Usd Total Gains Per Share0.406.4%0.406.4%-0.04-0.6%0.629.9%0.508.1%
Usd Price Per Share3.70-3.70-4.52-4.77-6.12-
Price to Earnings Ratio31.66-31.66-12.18-22.81-23.43-
Price-to-Total Gains Ratio9.32-9.32--112.12--12.84-3.95-
Price to Book Ratio0.61-0.61-0.77-0.96-1.54-
Price-to-Total Gains Ratio9.32-9.32--112.12--12.84-3.95-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share4.007952
Number of shares249
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.220.17
Usd Book Value Change Per Share0.180.45
Usd Total Gains Per Share0.400.62
Gains per Quarter (249 shares)98.79154.26
Gains per Year (249 shares)395.18617.03
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1218177385172445607
24363547803448901224
3654531117551613351841
4873708157068917802458
51091885196586122243075
6130910622360103326693692
7152712392755120531144309
8174514163150137735594926
9196315933545154940045543
10218117703940172244496160

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%32.01.00.097.0%
Book Value Change Per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%9.01.00.090.0%29.04.00.087.9%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%33.00.00.0100.0%
Total Gains per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%9.01.00.090.0%32.01.00.097.0%

Fundamentals of Bank Of Queensland Ltd.

About Bank Of Queensland Ltd.

Bank of Queensland Limited, together with its subsidiaries, provides various financial services in Australia and New Zealand. The company operates in Retail Banking, BOQ Business, and Other segments. It offers personal banking services comprises savings and term deposits, and transactional accounts; debit and credit cards; home, personal, and car loans; and travel, home and content, landlord, and car insurance, as well as investment services comprising online share trading services, and self-managed superannuation funds. The company's business banking services include transaction accounts, and savings and investment accounts; loans and finance products, such as business loans, equipment and vehicle finance, and dealer finance; merchant and payment products; and financial market and international services. It also offers Internet and mobile banking services. The company was founded in 1874 and is headquartered in Newstead, Australia.

Fundamental data was last updated by Penke on 2024-03-29 04:46:04.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
The company is less efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is overpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Bank Of Queensland Ltd..

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Bank Of Queensland Ltd. earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Bank Of Queensland Ltd. to the Banks - Regional industry mean.
  • A Net Profit Margin of 7.3% means that $0.07 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Bank Of Queensland Ltd.:

  • The MRQ is 7.3%. The company is making a profit. +1
  • The TTM is 7.3%. The company is making a profit. +1
Trends
Current periodCompared to+/- 
MRQ7.3%TTM7.3%0.0%
TTM7.3%YOY25.0%-17.7%
TTM7.3%5Y20.2%-12.9%
5Y20.2%10Y25.2%-5.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ7.3%18.4%-11.1%
TTM7.3%28.0%-20.7%
YOY25.0%25.2%-0.2%
5Y20.2%22.8%-2.6%
10Y25.2%19.8%+5.4%
1.1.2. Return on Assets

Shows how efficient Bank Of Queensland Ltd. is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Bank Of Queensland Ltd. to the Banks - Regional industry mean.
  • 0.1% Return on Assets means that Bank Of Queensland Ltd. generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Bank Of Queensland Ltd.:

  • The MRQ is 0.1%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.1%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.1%TTM0.1%0.0%
TTM0.1%YOY0.4%-0.3%
TTM0.1%5Y0.3%-0.2%
5Y0.3%10Y0.5%-0.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1%0.1%+0.0%
TTM0.1%0.2%-0.1%
YOY0.4%0.2%+0.2%
5Y0.3%0.2%+0.1%
10Y0.5%0.2%+0.3%
1.1.3. Return on Equity

Shows how efficient Bank Of Queensland Ltd. is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Bank Of Queensland Ltd. to the Banks - Regional industry mean.
  • 2.0% Return on Equity means Bank Of Queensland Ltd. generated $0.02 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Bank Of Queensland Ltd.:

  • The MRQ is 2.0%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 2.0%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ2.0%TTM2.0%0.0%
TTM2.0%YOY6.1%-4.1%
TTM2.0%5Y4.9%-2.9%
5Y4.9%10Y6.9%-2.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ2.0%1.4%+0.6%
TTM2.0%2.5%-0.5%
YOY6.1%2.7%+3.4%
5Y4.9%2.5%+2.4%
10Y6.9%2.8%+4.1%

1.2. Operating Efficiency of Bank Of Queensland Ltd..

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Bank Of Queensland Ltd. is operating .

  • Measures how much profit Bank Of Queensland Ltd. makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Bank Of Queensland Ltd. to the Banks - Regional industry mean.
  • An Operating Margin of 16.3% means the company generated $0.16  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Bank Of Queensland Ltd.:

  • The MRQ is 16.3%. The company is operating efficient. +1
  • The TTM is 16.3%. The company is operating efficient. +1
Trends
Current periodCompared to+/- 
MRQ16.3%TTM16.3%0.0%
TTM16.3%YOY36.6%-20.3%
TTM16.3%5Y30.8%-14.5%
5Y30.8%10Y95.5%-64.8%
1.2.2. Operating Ratio

Measures how efficient Bank Of Queensland Ltd. is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.83 means that the operating costs are $0.83 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Bank Of Queensland Ltd.:

  • The MRQ is 0.834. The company is less efficient in keeping operating costs low.
  • The TTM is 0.834. The company is less efficient in keeping operating costs low.
Trends
Current periodCompared to+/- 
MRQ0.834TTM0.8340.000
TTM0.834YOY0.632+0.202
TTM0.8345Y0.678+0.156
5Y0.67810Y0.590+0.088

1.3. Liquidity of Bank Of Queensland Ltd..

1.3. Liquidity
1.3.1. Current Ratio

Measures if Bank Of Queensland Ltd. is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 54.94 means the company has $54.94 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Bank Of Queensland Ltd.:

  • The MRQ is 54.936. The company is very able to pay all its short-term debts. +2
  • The TTM is 54.936. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ54.936TTM54.9360.000
TTM54.936YOY55.636-0.700
TTM54.9365Y50.864+4.072
5Y50.86410Y26.421+24.442
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM54.9360.124+54.812
YOY55.6360.225+55.411
5Y50.8640.219+50.645
10Y26.4210.131+26.290
1.3.2. Quick Ratio

Measures if Bank Of Queensland Ltd. is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Bank Of Queensland Ltd. to the Banks - Regional industry mean.
  • A Quick Ratio of 61.17 means the company can pay off $61.17 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Bank Of Queensland Ltd.:

  • The MRQ is 61.170. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 61.170. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ61.170TTM61.1700.000
TTM61.170YOY63.841-2.671
TTM61.1705Y139.585-78.415
5Y139.58510Y69.891+69.694

1.4. Solvency of Bank Of Queensland Ltd..

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Bank Of Queensland Ltd. assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Bank Of Queensland Ltd. to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.94 means that Bank Of Queensland Ltd. assets are financed with 94.2% credit (debt) and the remaining percentage (100% - 94.2%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Bank Of Queensland Ltd.:

  • The MRQ is 0.942. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.942. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.942TTM0.9420.000
TTM0.942YOY0.933+0.009
TTM0.9425Y0.933+0.009
5Y0.93310Y0.930+0.002
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9420.915+0.027
TTM0.9420.917+0.025
YOY0.9330.919+0.014
5Y0.9330.919+0.014
10Y0.9300.927+0.003
1.4.2. Debt to Equity Ratio

Measures if Bank Of Queensland Ltd. is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Bank Of Queensland Ltd. to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,618.6% means that company has $16.19 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Bank Of Queensland Ltd.:

  • The MRQ is 16.186. The company is unable to pay all its debts with equity. -1
  • The TTM is 16.186. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ16.186TTM16.1860.000
TTM16.186YOY13.984+2.202
TTM16.1865Y13.950+2.236
5Y13.95010Y13.419+0.531
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ16.18610.829+5.357
TTM16.18611.013+5.173
YOY13.98411.363+2.621
5Y13.95011.437+2.513
10Y13.41913.038+0.381

2. Market Valuation of Bank Of Queensland Ltd.

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Bank Of Queensland Ltd. generates.

  • Above 15 is considered overpriced but always compare Bank Of Queensland Ltd. to the Banks - Regional industry mean.
  • A PE ratio of 31.66 means the investor is paying $31.66 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Bank Of Queensland Ltd.:

  • The EOD is 34.294. Based on the earnings, the company is overpriced. -1
  • The MRQ is 31.656. Based on the earnings, the company is overpriced. -1
  • The TTM is 31.656. Based on the earnings, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD34.294MRQ31.656+2.638
MRQ31.656TTM31.6560.000
TTM31.656YOY12.183+19.473
TTM31.6565Y22.808+8.848
5Y22.80810Y23.425-0.617
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD34.2947.555+26.739
MRQ31.6566.680+24.976
TTM31.6565.295+26.361
YOY12.1836.943+5.240
5Y22.8089.770+13.038
10Y23.4259.943+13.482
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Bank Of Queensland Ltd.:

  • The EOD is 1.192. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 1.101. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 1.101. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.192MRQ1.101+0.092
MRQ1.101TTM1.1010.000
TTM1.101YOY-3.549+4.650
TTM1.1015Y5.287-4.187
5Y5.28710Y4.188+1.099
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.192-2.112+3.304
MRQ1.101-1.868+2.969
TTM1.101-0.342+1.443
YOY-3.5496.448-9.997
5Y5.2870.429+4.858
10Y4.1880.091+4.097
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Bank Of Queensland Ltd. is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.61 means the investor is paying $0.61 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Bank Of Queensland Ltd.:

  • The EOD is 0.666. Based on the equity, the company is cheap. +2
  • The MRQ is 0.615. Based on the equity, the company is cheap. +2
  • The TTM is 0.615. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.666MRQ0.615+0.051
MRQ0.615TTM0.6150.000
TTM0.615YOY0.773-0.158
TTM0.6155Y0.963-0.348
5Y0.96310Y1.540-0.577
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.6660.436+0.230
MRQ0.6150.386+0.229
TTM0.6150.470+0.145
YOY0.7730.642+0.131
5Y0.9630.795+0.168
10Y1.5401.025+0.515
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Bank Of Queensland Ltd..

3.1. Funds holding Bank Of Queensland Ltd.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2020-10-31Vanguard International Stock Index-Total Intl Stock Indx1.12-7172024--
2021-01-31DFA International Small Cap Value Portfolio1.04-6623164--
2020-12-31Vanguard Tax Managed Fund-Vanguard Developed Markets Index Fund0.45-2890509--
2021-01-31DFA Asia Pacific Small Company Series0.42-2717561--
2021-01-31DFA International Core Equity Portfolio0.34999999-2268768--
2021-02-28iShares Core MSCI EAFE ETF0.34-2173243--
2021-02-28iShares MSCI EAFE Small Cap ETF0.3-1918490--
2020-10-31Vanguard Intl Equity Index Fds-FTSE All World ex U.S. Index Fund0.13-816901--
2020-11-30Schwab Strategic Tr-Schwab International Equity ETF0.090000004-577106--
2020-11-30Schwab Strategic Tr-Schwab Fundamental Intl Small Company Idx ETF0.08-530514--
Total 4.31999999402768828000.0%

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Bank Of Queensland Ltd. compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.2770.2770%-0.379+237%0.695-60%0.506-45%
Book Value Per Share--9.3739.3730%9.096+3%8.063+16%6.790+38%
Current Ratio--54.93654.9360%55.636-1%50.864+8%26.421+108%
Debt To Asset Ratio--0.9420.9420%0.933+1%0.933+1%0.930+1%
Debt To Equity Ratio--16.18616.1860%13.984+16%13.950+16%13.419+21%
Dividend Per Share--0.3410.3410%0.316+8%0.269+27%0.279+22%
Eps--0.1820.1820%0.577-68%0.391-53%0.441-59%
Free Cash Flow Per Share--5.2345.2340%-1.981+138%0.389+1246%-0.069+101%
Free Cash Flow To Equity Per Share--4.2654.2650%-0.179+104%1.453+193%0.780+447%
Gross Profit Margin--0.6370.6370%0.880-28%0.819-22%0.876-27%
Intrinsic Value_10Y_max--56.036--------
Intrinsic Value_10Y_min--8.465--------
Intrinsic Value_1Y_max--2.167--------
Intrinsic Value_1Y_min--0.164--------
Intrinsic Value_3Y_max--9.139--------
Intrinsic Value_3Y_min--1.088--------
Intrinsic Value_5Y_max--19.280--------
Intrinsic Value_5Y_min--2.658--------
Market Cap4080953610.240+8%3767034101.7603767034101.7600%5153274279.140-27%4964550256.325-24%6284690574.524-40%
Net Profit Margin--0.0730.0730%0.250-71%0.202-64%0.252-71%
Operating Margin--0.1630.1630%0.366-55%0.308-47%0.955-83%
Operating Ratio--0.8340.8340%0.632+32%0.678+23%0.590+41%
Pb Ratio0.666+8%0.6150.6150%0.773-20%0.963-36%1.540-60%
Pe Ratio34.294+8%31.65631.6560%12.183+160%22.808+39%23.425+35%
Price Per Share6.240+8%5.7605.7600%7.030-18%7.421-22%9.525-40%
Price To Free Cash Flow Ratio1.192+8%1.1011.1010%-3.549+422%5.287-79%4.188-74%
Price To Total Gains Ratio10.102+8%9.3259.3250%-112.122+1302%-12.839+238%3.946+136%
Quick Ratio--61.17061.1700%63.841-4%139.585-56%69.891-12%
Return On Assets--0.0010.0010%0.004-71%0.003-65%0.005-76%
Return On Equity--0.0200.0200%0.061-67%0.049-59%0.069-71%
Total Gains Per Share--0.6180.6180%-0.063+110%0.965-36%0.786-21%
Usd Book Value--3937299000.0003937299000.0000%4282856400.000-8%3479339100.000+13%2898410865.000+36%
Usd Book Value Change Per Share--0.1780.1780%-0.244+237%0.447-60%0.325-45%
Usd Book Value Per Share--6.0206.0200%5.843+3%5.179+16%4.361+38%
Usd Dividend Per Share--0.2190.2190%0.203+8%0.173+27%0.179+22%
Usd Eps--0.1170.1170%0.371-68%0.251-53%0.283-59%
Usd Free Cash Flow--2198592900.0002198592900.0000%-932619600.000+142%143232900.000+1435%-39051840.000+102%
Usd Free Cash Flow Per Share--3.3623.3620%-1.272+138%0.250+1246%-0.044+101%
Usd Free Cash Flow To Equity Per Share--2.7392.7390%-0.115+104%0.933+193%0.501+447%
Usd Market Cap2621196503.857+8%2419566003.5602419566003.5600%3309948069.492-27%3188730629.637-24%4036656756.017-40%
Usd Price Per Share4.008+8%3.7003.7000%4.515-18%4.767-22%6.118-40%
Usd Profit--79645200.00079645200.0000%262700700.000-70%168796440.000-53%187455255.000-58%
Usd Revenue--1086771600.0001086771600.0000%1049518200.000+4%849249060.000+28%765505986.000+42%
Usd Total Gains Per Share--0.3970.3970%-0.040+110%0.620-36%0.505-21%
 EOD+4 -4MRQTTM+0 -0YOY+17 -195Y+16 -2010Y+16 -20

4.2. Fundamental Score

Let's check the fundamental score of Bank Of Queensland Ltd. based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1534.294
Price to Book Ratio (EOD)Between0-10.666
Net Profit Margin (MRQ)Greater than00.073
Operating Margin (MRQ)Greater than00.163
Quick Ratio (MRQ)Greater than161.170
Current Ratio (MRQ)Greater than154.936
Debt to Asset Ratio (MRQ)Less than10.942
Debt to Equity Ratio (MRQ)Less than116.186
Return on Equity (MRQ)Greater than0.150.020
Return on Assets (MRQ)Greater than0.050.001
Total6/10 (60.0%)

4.3. Technical Score

Let's check the technical score of Bank Of Queensland Ltd. based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5056.998
Ma 20Greater thanMa 506.161
Ma 50Greater thanMa 1006.062
Ma 100Greater thanMa 2005.967
OpenGreater thanClose5.980
Total4/5 (80.0%)



Latest Balance Sheet

Balance Sheet of 2023-08-31. Currency in AUD. All numbers in thousands.

Summary
Total Assets105,352,000
Total Liabilities99,222,000
Total Stockholder Equity6,130,000
 As reported
Total Liabilities 99,222,000
Total Stockholder Equity+ 6,130,000
Total Assets = 105,352,000

Assets

Total Assets105,352,000
Total Current Assets2,582,000
Long-term Assets1,269,000
Total Current Assets
Cash And Cash Equivalents 2,582,000
Net Receivables 293,000
Total Current Assets  (as reported)2,582,000
Total Current Assets  (calculated)2,875,000
+/- 293,000
Long-term Assets
Property Plant Equipment 197,000
Goodwill 567,000
Long Term Investments 17,368,000
Intangible Assets 505,000
Long-term Assets Other -1,269,000
Long-term Assets  (as reported)1,269,000
Long-term Assets  (calculated)17,368,000
+/- 16,099,000

Liabilities & Shareholders' Equity

Total Current Liabilities47,000
Long-term Liabilities19,322,000
Total Stockholder Equity6,130,000
Total Current Liabilities
Short-term Debt 1,707,000
Accounts payable 1,145,000
Other Current Liabilities 38,374,000
Total Current Liabilities  (as reported)47,000
Total Current Liabilities  (calculated)41,226,000
+/- 41,179,000
Long-term Liabilities
Long term Debt Total 12,293,000
Long term Debt 12,293,000
Capital Lease Obligations Min Short Term Debt-1,707,000
Other Liabilities 64,000
Long-term Liabilities  (as reported)19,322,000
Long-term Liabilities  (calculated)22,943,000
+/- 3,621,000
Total Stockholder Equity
Common Stock5,318,000
Retained Earnings 579,000
Accumulated Other Comprehensive Income 530,000
Other Stockholders Equity -297,000
Total Stockholder Equity (as reported)6,130,000
Total Stockholder Equity (calculated)6,130,000
+/-0
Other
Capital Stock5,318,000
Cash and Short Term Investments 2,582,000
Common Stock Shares Outstanding 650,373
Current Deferred Revenue-41,179,000
Liabilities and Stockholders Equity 105,352,000
Net Debt 18,447,000
Net Invested Capital 25,452,000
Net Tangible Assets 5,058,000
Net Working Capital 2,535,000
Short Long Term Debt Total 21,029,000



Balance Sheet

Currency in AUD. All numbers in thousands.

 Trend2023-08-312022-08-312021-08-312020-08-312019-08-312018-08-312017-08-312016-08-312015-08-312014-08-312013-08-312012-08-312011-08-312010-08-312009-08-312008-08-312007-08-312006-08-312005-08-312004-08-312003-08-312002-08-312001-08-312000-08-311999-08-311998-08-311997-08-311996-08-311995-08-311994-08-311993-08-311992-08-311991-08-311990-08-311989-08-31
> Total Assets 
679,613
845,326
1,044,034
1,306,876
1,548,161
1,941,156
2,191,905
2,274,554
2,502,623
2,846,950
3,082,895
3,689,616
4,221,919
5,280,217
7,203,800
9,927,600
11,065,700
15,797,100
20,037,300
29,775,200
34,012,000
38,570,900
39,900,800
41,758,000
42,528,300
46,904,600
48,018,000
50,853,000
51,658,000
52,980,000
55,597,000
56,772,000
91,439,000
99,913,000
105,352,000
105,352,00099,913,00091,439,00056,772,00055,597,00052,980,00051,658,00050,853,00048,018,00046,904,60042,528,30041,758,00039,900,80038,570,90034,012,00029,775,20020,037,30015,797,10011,065,7009,927,6007,203,8005,280,2174,221,9193,689,6163,082,8952,846,9502,502,6232,274,5542,191,9051,941,1561,548,1611,306,8761,044,034845,326679,613
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9,779,800
10,952,100
15,667,800
19,889,400
29,178,200
33,399,700
37,971,000
39,289,800
41,172,400
41,897,800
46,023,800
47,109,000
49,924,000
50,726,000
46,567,000
6,511,000
1,253,000
2,355,000
2,448,000
2,582,000
2,582,0002,448,0002,355,0001,253,0006,511,00046,567,00050,726,00049,924,00047,109,00046,023,80041,897,80041,172,40039,289,80037,971,00033,399,70029,178,20019,889,40015,667,80010,952,1009,779,800000000000000000
       Cash And Cash Equivalents 
14,900
19,093
25,274
33,938
37,044
86,518
148,436
166,924
145,217
191,454
179,906
263,648
369,486
623,696
1,108,000
1,191,800
1,425,800
532,700
894,400
2,140,700
2,775,100
2,580,900
2,036,600
3,729,900
3,980,000
2,575,100
1,194,000
1,296,000
972,000
1,118,000
1,982,000
1,253,000
2,355,000
2,448,000
2,582,000
2,582,0002,448,0002,355,0001,253,0001,982,0001,118,000972,0001,296,0001,194,0002,575,1003,980,0003,729,9002,036,6002,580,9002,775,1002,140,700894,400532,7001,425,8001,191,8001,108,000623,696369,486263,648179,906191,454145,217166,924148,43686,51837,04433,93825,27419,09314,900
       Short-term Investments 
0
0
0
0
0
0
0
0
192,632
220,414
255,268
504
499
499
273,000
169,200
392,300
0
46,800
66,300
74,600
4,520,300
4,187,500
4,624,500
4,334,600
2,473,100
1,940,000
1,591,000
1,837,000
1,385,000
4,529,000
6,390,000
0
0
0
0006,390,0004,529,0001,385,0001,837,0001,591,0001,940,0002,473,1004,334,6004,624,5004,187,5004,520,30074,60066,30046,8000392,300169,200273,000499499504255,268220,414192,63200000000
       Net Receivables 
3,923
5,277
7,357
1,632
19,097
3,119
0
0
0
39,311
14,571
0
14,760
3,176
12,800
0
0
164,200
390,000
874,100
874,100
1,306,800
1,694,800
903,900
543,600
74,900
0
0
0
6,000
715,000
862,000
827,000
361,000
293,000
293,000361,000827,000862,000715,0006,00000074,900543,600903,9001,694,8001,306,800874,100874,100390,000164,2000012,8003,17614,760014,57139,3110003,11919,0971,6327,3575,2773,923
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
44,064,000
42,717,000
2,215,000
3,426,000
2,816,000
5,778,000
5,778,0002,816,0003,426,0002,215,00042,717,00044,064,00000000000000000000000000000000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
147,800
113,600
129,300
147,900
597,000
612,300
599,900
611,000
585,600
630,500
880,800
909,000
929,000
932,000
6,413,000
6,369,000
1,056,000
1,404,000
1,521,000
1,269,000
1,269,0001,521,0001,404,0001,056,0006,369,0006,413,000932,000929,000909,000880,800630,500585,600611,000599,900612,300597,000147,900129,300113,600147,800000000000000000
       Property Plant Equipment 
8,261
9,610
10,320
10,784
12,596
13,168
16,008
16,308
16,813
19,348
29,148
43,141
49,891
52,733
90,200
115,600
101,400
19,600
19,700
25,400
24,500
29,700
36,700
38,500
37,800
53,600
61,000
60,000
60,000
57,000
52,000
148,000
198,000
264,000
197,000
197,000264,000198,000148,00052,00057,00060,00060,00061,00053,60037,80038,50036,70029,70024,50025,40019,70019,600101,400115,60090,20052,73349,89143,14129,14819,34816,81316,30816,00813,16812,59610,78410,3209,6108,261
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
30,900
12,200
21,000
45,000
486,400
444,400
459,500
444,400
444,400
488,000
701,700
675,000
675,000
682,000
682,000
682,000
685,000
767,000
767,000
567,000
567,000767,000767,000685,000682,000682,000682,000675,000675,000701,700488,000444,400444,400459,500444,400486,40045,00021,00012,20030,900000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,088,000
3,885,000
2,845,000
5,345,000
5,786,000
5,403,000
4,545,000
6,403,000
10,901,000
14,395,000
17,368,000
17,368,00014,395,00010,901,0006,403,0004,545,0005,403,0005,786,0005,345,0002,845,0003,885,0001,088,000000000000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,300
12,200
88,700
83,200
85,200
143,400
114,900
135,600
110,200
104,700
125,500
173,000
194,000
190,000
193,000
242,000
223,000
439,000
490,000
505,000
505,000490,000439,000223,000242,000193,000190,000194,000173,000125,500104,700110,200135,600114,900143,40085,20083,20088,70012,2001,300000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,083,000
5,578,000
5,938,000
5,572,000
7,098,000
7,504,000
11,962,000
0
0
0011,962,0007,504,0007,098,0005,572,0005,938,0005,578,0005,083,00000000000000000000000000000
> Total Liabilities 
613,407
756,548
948,561
1,180,151
1,412,827
1,793,000
2,027,681
2,098,241
2,359,562
2,700,665
2,911,673
3,509,956
4,012,080
5,021,702
6,825,500
9,324,400
10,350,200
15,107,300
19,183,000
28,096,200
31,900,600
36,168,400
37,327,200
38,858,800
39,710,500
43,564,100
44,549,000
47,266,000
47,870,000
49,124,000
51,738,000
52,541,000
85,242,000
93,245,000
99,222,000
99,222,00093,245,00085,242,00052,541,00051,738,00049,124,00047,870,00047,266,00044,549,00043,564,10039,710,50038,858,80037,327,20036,168,40031,900,60028,096,20019,183,00015,107,30010,350,2009,324,4006,825,5005,021,7024,012,0803,509,9562,911,6732,700,6652,359,5622,098,2412,027,6811,793,0001,412,8271,180,151948,561756,548613,407
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
32,422,000
35,033,000
35,744,000
37,813,000
38,193,000
10,088,000
12,031,000
18,000
32,000
44,000
47,000
47,00044,00032,00018,00012,031,00010,088,00038,193,00037,813,00035,744,00035,033,00032,422,000000000000000000000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
192,632
220,414
255,268
504
499
499
541,700
818,300
1,399,400
1,450,000
1,251,500
1,023,200
976,100
6,630,700
6,109,800
6,188,000
6,866,700
6,187,800
5,430,000
5,063,000
9,154,000
9,728,000
11,637,000
296,000
586,000
1,821,000
1,707,000
1,707,0001,821,000586,000296,00011,637,0009,728,0009,154,0005,063,0005,430,0006,187,8006,866,7006,188,0006,109,8006,630,700976,1001,023,2001,251,5001,450,0001,399,400818,300541,700499499504255,268220,414192,63200000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7,475,000
8,820,000
9,269,000
5,063,000
9,154,000
9,728,000
11,637,000
10,989,000
0
0
0
00010,989,00011,637,0009,728,0009,154,0005,063,0009,269,0008,820,0007,475,000000000000000000000000000
       Accounts payable 
0
0
0
0
0
0
0
0
0
0
0
55,030
64,415
88,162
135,200
159,200
114,700
161,700
233,400
296,500
277,600
411,700
429,100
450,400
362,000
399,100
35,122,000
37,075,000
37,559,000
360,000
394,000
280,000
575,000
716,000
1,145,000
1,145,000716,000575,000280,000394,000360,00037,559,00037,075,00035,122,000399,100362,000450,400429,100411,700277,600296,500233,400161,700114,700159,200135,20088,16264,41555,03000000000000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
23,000
72,000
66,000
31,000
19,000
-5,000
-12,031,000
19,773,000
34,467,000
38,694,000
38,374,000
38,374,00038,694,00034,467,00019,773,000-12,031,000-5,00019,00031,00066,00072,00023,000000000000000000000000000
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10,077,000
11,986,000
11,339,000
17,723,000
19,187,000
19,322,000
19,322,00019,187,00017,723,00011,339,00011,986,00010,077,00000000000000000000000000000000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,901,000
5,281,000
6,227,000
6,501,000
11,986,000
11,339,000
17,723,000
11,647,000
12,293,000
12,293,00011,647,00017,723,00011,339,00011,986,0006,501,0006,227,0005,281,0003,901,00000000000000000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
8,619
9,717
15,536
6,600
7,700
10,900
66,000
81,800
23,100
239,400
343,600
435,300
370,400
311,800
487,300
92,000
55,000
26,000
14,000
17,000
10,000
15,000
147,000
64,000
64,000147,00015,00010,00017,00014,00026,00055,00092,000487,300311,800370,400435,300343,600239,40023,10081,80066,00010,9007,7006,60015,5369,7178,61900000000000
> Total Stockholder Equity
66,206
88,778
95,473
126,725
135,334
148,156
164,224
176,313
143,061
146,285
171,222
179,660
209,839
258,515
378,300
603,200
715,500
689,800
854,300
1,679,000
2,111,400
2,402,500
2,573,600
2,899,200
2,817,800
3,340,500
3,469,000
3,587,000
3,788,000
3,856,000
3,859,000
4,231,000
6,197,000
6,668,000
6,130,000
6,130,0006,668,0006,197,0004,231,0003,859,0003,856,0003,788,0003,587,0003,469,0003,340,5002,817,8002,899,2002,573,6002,402,5002,111,4001,679,000854,300689,800715,500603,200378,300258,515209,839179,660171,222146,285143,061176,313164,224148,156135,334126,72595,47388,77866,206
   Common Stock
25,371
32,413
37,266
45,393
51,891
53,279
55,375
56,821
57,234
120,935
139,887
142,787
151,375
174,509
263,900
402,900
475,300
531,200
615,700
1,439,400
1,903,100
2,057,600
2,153,300
2,660,100
2,562,600
3,020,600
3,122,000
3,243,000
3,360,000
3,418,000
3,497,000
3,869,000
5,213,000
5,258,000
5,318,000
5,318,0005,258,0005,213,0003,869,0003,497,0003,418,0003,360,0003,243,0003,122,0003,020,6002,562,6002,660,1002,153,3002,057,6001,903,1001,439,400615,700531,200475,300402,900263,900174,509151,375142,787139,887120,93557,23456,82155,37553,27951,89145,39337,26632,41325,371
   Retained Earnings 
7,027
10,100
14,210
20,245
25,098
31,642
39,824
58,242
21,856
24,170
28,962
34,644
18,884
24,950
56,200
79,000
119,100
97,600
151,000
179,300
190,900
258,300
304,900
132,900
144,100
205,500
257,000
311,000
371,000
400,000
149,000
441,000
646,000
745,000
579,000
579,000745,000646,000441,000149,000400,000371,000311,000257,000205,500144,100132,900304,900258,300190,900179,300151,00097,600119,10079,00056,20024,95018,88434,64428,96224,17021,85658,24239,82431,64225,09820,24514,21010,1007,027
   Capital Surplus 00000000000000000000000000000000000
   Treasury Stock00000000000000000000000000000000000
   Other Stockholders Equity 
33,808
46,265
43,997
74,871
73,577
80,596
88,446
84,502
91,065
31,275
41,392
43,239
80,163
108,867
0
0
0
0
0
0
0
0
0
0
0
44,000
-89,000
-153,000
-24,000
-21,000
-94,000
-263,000
-352,000
-439,000
-297,000
-297,000-439,000-352,000-263,000-94,000-21,000-24,000-153,000-89,00044,00000000000000108,86780,16343,23941,39231,27591,06584,50288,44680,59673,57774,87143,99746,26533,808



Balance Sheet

Currency in AUD. All numbers in thousands.