Nationwide Building Society Logo

Nationwide Building Society

NBS.L

(2.2)
Stock Price

132,00 GBP

0.48% ROA

8.03% ROE

0.93x PER

Market Cap.

1.393.326.000,00 GBP

334.89% DER

0% Yield

14.17% NPM

Nationwide Building Society Stock Analysis

Nationwide Building Society Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Nationwide Building Society Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.08x), the stock offers substantial upside potential at a bargain price.

2 ROE

ROE in an average range (8.4%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (0.46%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

5 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

6 Assets Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

7 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

8 Buffet Intrinsic Value

The company's stock seems undervalued (624) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 DER

The stock is burdened with a heavy load of debt (216%), making it financially unstable and potentially risky for investors.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Dividend

Investors should be cautious as the company hasn't distributed dividends in the last three years, possibly indicating financial challenges.

Nationwide Building Society Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Nationwide Building Society Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Nationwide Building Society Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Nationwide Building Society Revenue
Year Revenue Growth
2002 1.220.800.000
2003 1.375.900.000 11.27%
2004 1.525.700.000 9.82%
2005 1.858.000.000 17.88%
2006 2.067.300.000 10.12%
2007 2.138.700.000 3.34%
2008 2.060.000.000 -3.82%
2009 2.131.000.000 3.33%
2010 2.033.000.000 -4.82%
2011 2.131.000.000 4.6%
2012 1.686.000.000 -26.39%
2013 2.289.000.000 26.34%
2013 2.289.000.000 0%
2014 2.892.000.000 20.85%
2015 3.299.000.000 12.34%
2016 3.211.000.000 -2.74%
2017 3.142.000.000 -2.2%
2018 3.093.000.000 -1.58%
2019 5.636.000.000 45.12%
2020 2.910.000.000 -93.68%
2020 4.544.000.000 35.96%
2021 5.043.000.000 9.89%
2022 4.944.000.000 -2%
2022 9.321.000.000 46.96%
2023 8.812.000.000 -5.78%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Nationwide Building Society Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Nationwide Building Society General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 356.200.000
2003 368.800.000 3.42%
2004 380.200.000 3%
2005 414.300.000 8.23%
2006 455.900.000 9.12%
2007 543.400.000 16.1%
2008 546.000.000 0.48%
2009 549.000.000 0.55%
2010 546.000.000 -0.55%
2011 544.000.000 -0.37%
2012 568.000.000 4.23%
2013 601.000.000 5.49%
2013 1.471.000.000 59.14%
2014 1.590.000.000 7.48%
2015 1.767.000.000 10.02%
2016 1.903.000.000 7.15%
2017 1.901.000.000 -0.11%
2018 2.040.000.000 6.81%
2019 2.163.000.000 5.69%
2020 450.000.000 -380.67%
2020 2.069.000.000 78.25%
2021 652.000.000 -217.33%
2022 738.000.000 11.65%
2022 714.000.000 -3.36%
2023 1.672.000.000 57.3%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Nationwide Building Society EBITDA
Year EBITDA Growth
2002 2.960.700.000
2003 3.307.700.000 10.49%
2004 4.522.200.000 26.86%
2005 5.240.000.000 13.7%
2006 6.185.400.000 15.28%
2007 8.714.800.000 29.02%
2008 7.826.000.000 -11.36%
2009 3.346.000.000 -133.89%
2010 3.570.000.000 6.27%
2011 4.101.000.000 12.95%
2012 3.989.000.000 -2.81%
2013 3.823.000.000 -4.34%
2013 86.000.000 -4345.35%
2014 -52.000.000 265.38%
2015 -12.000.000 -333.33%
2016 -31.000.000 61.29%
2017 -129.000.000 75.97%
2018 -115.000.000 -12.17%
2019 -81.000.000 -41.98%
2020 4.251.000.000 101.91%
2020 -109.000.000 4000%
2021 -123.000.000 11.38%
2022 2.520.000.000 104.88%
2022 -57.000.000 4521.05%
2023 932.000.000 106.12%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Nationwide Building Society Gross Profit
Year Gross Profit Growth
2002 1.220.800.000
2003 1.375.900.000 11.27%
2004 1.525.800.000 9.82%
2005 1.865.900.000 18.23%
2006 2.090.400.000 10.74%
2007 2.166.220.000 3.5%
2008 2.079.000.000 -4.2%
2009 2.132.000.000 2.49%
2010 2.037.000.000 -4.66%
2011 2.144.000.000 4.99%
2012 1.686.000.000 -27.16%
2013 2.289.000.000 26.34%
2013 2.289.000.000 0%
2014 2.892.000.000 20.85%
2015 3.299.000.000 12.34%
2016 3.211.000.000 -2.74%
2017 3.142.000.000 -2.2%
2018 3.093.000.000 -1.58%
2019 5.636.000.000 45.12%
2020 2.910.000.000 -93.68%
2020 4.544.000.000 35.96%
2021 5.043.000.000 9.89%
2022 4.944.000.000 -2%
2022 9.321.000.000 46.96%
2023 30.236.000.000 69.17%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Nationwide Building Society Net Profit
Year Net Profit Growth
2002 262.700.000
2003 317.900.000 17.36%
2004 365.300.000 12.98%
2005 397.200.000 8.03%
2006 463.600.000 14.32%
2007 495.300.000 6.4%
2008 162.000.000 -205.74%
2009 264.000.000 38.64%
2010 248.000.000 -6.45%
2011 179.000.000 -38.55%
2012 210.000.000 14.76%
2013 549.000.000 61.75%
2013 549.000.000 0%
2014 839.000.000 34.56%
2015 985.000.000 14.82%
2016 757.000.000 -30.12%
2017 745.000.000 -1.61%
2018 618.000.000 -20.55%
2019 365.000.000 -69.32%
2020 365.000.000 0%
2020 618.000.000 40.94%
2021 1.252.000.000 50.64%
2022 1.872.000.000 33.12%
2022 1.664.000.000 -12.5%
2023 2.312.000.000 28.03%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Nationwide Building Society Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 48
2003 58 17.54%
2004 67 13.64%
2005 72 8.33%
2006 84 14.29%
2007 90 6.67%
2008 29 -210.34%
2009 48 39.58%
2010 45 -6.67%
2011 33 -40.63%
2012 32 0%
2013 100 67.68%
2013 100 0%
2014 153 34.87%
2015 179 15.08%
2016 138 -30.66%
2017 71 -95.71%
2018 59 -20.69%
2019 35 -70.59%
2020 35 0%
2020 59 41.38%
2021 119 50.85%
2022 191 38.22%
2022 170 -12.35%
2023 253 32.81%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Nationwide Building Society Free Cashflow
Year Free Cashflow Growth
2002 -1.337.700.000
2003 -458.100.000 -192.01%
2004 -2.147.000.000 78.66%
2005 -1.303.600.000 -64.7%
2006 2.523.600.000 151.66%
2007 10.197.600.000 75.25%
2008 -1.734.000.000 688.1%
2009 -5.540.000.000 68.7%
2010 3.009.000.000 284.11%
2011 1.569.000.000 -91.78%
2012 -12.236.000.000 112.82%
2013 -1.102.000.000 -1010.34%
2013 -1.920.000.000 42.6%
2014 -997.000.000 -92.58%
2015 -172.000.000 -479.65%
2016 -1.142.000.000 84.94%
2017 1.479.000.000 177.21%
2018 806.000.000 -83.5%
2019 143.000.000 -463.64%
2020 937.000.000 84.74%
2021 1.071.000.000 12.51%
2022 2.241.000.000 52.21%
2022 1.796.000.000 -24.78%
2023 544.000.000 -230.15%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Nationwide Building Society Operating Cashflow
Year Operating Cashflow Growth
2002 -1.226.800.000
2003 -331.300.000 -270.3%
2004 -2.021.000.000 83.61%
2005 -1.149.100.000 -75.88%
2006 2.693.400.000 142.66%
2007 10.415.300.000 74.14%
2008 -1.468.000.000 809.49%
2009 -5.203.000.000 71.79%
2010 3.366.000.000 254.58%
2011 1.974.000.000 -70.52%
2012 -11.888.000.000 116.6%
2013 -974.000.000 -1120.53%
2013 -1.584.000.000 38.51%
2014 -855.000.000 -85.26%
2015 -38.000.000 -2150%
2016 -944.000.000 95.97%
2017 1.638.000.000 157.63%
2018 962.000.000 -70.27%
2019 810.000.000 -18.77%
2020 1.278.000.000 36.62%
2021 1.349.000.000 5.26%
2022 2.261.000.000 40.34%
2022 2.142.000.000 -5.56%
2023 592.000.000 -261.82%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Nationwide Building Society Capital Expenditure
Year Capital Expenditure Growth
2002 110.900.000
2003 126.800.000 12.54%
2004 126.000.000 -0.63%
2005 154.500.000 18.45%
2006 169.800.000 9.01%
2007 217.700.000 22%
2008 266.000.000 18.16%
2009 337.000.000 21.07%
2010 357.000.000 5.6%
2011 405.000.000 11.85%
2012 348.000.000 -16.38%
2013 128.000.000 -171.88%
2013 336.000.000 61.9%
2014 142.000.000 -136.62%
2015 134.000.000 -5.97%
2016 198.000.000 32.32%
2017 159.000.000 -24.53%
2018 156.000.000 -1.92%
2019 667.000.000 76.61%
2020 341.000.000 -95.6%
2021 278.000.000 -22.66%
2022 20.000.000 -1290%
2022 346.000.000 94.22%
2023 48.000.000 -620.83%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Nationwide Building Society Equity
Year Equity Growth
2002 4.186.100.000
2003 4.553.000.000 8.06%
2004 4.938.900.000 7.81%
2005 5.031.400.000 1.84%
2006 5.464.400.000 7.92%
2007 6.008.100.000 9.05%
2008 4.294.000.000 -39.92%
2009 5.716.000.000 24.88%
2010 6.254.000.000 8.6%
2011 6.159.000.000 -1.54%
2012 6.580.000.000 6.4%
2013 8.906.000.000 26.12%
2013 8.906.000.000 0%
2014 9.741.000.000 8.57%
2015 10.930.000.000 10.88%
2016 11.133.000.000 1.82%
2017 12.241.000.000 9.05%
2018 13.169.000.000 7.05%
2019 12.369.000.000 -6.47%
2020 12.777.000.000 3.19%
2021 14.363.000.000 11.04%
2022 15.570.000.000 7.75%
2023 16.350.000.000 4.77%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Nationwide Building Society Assets
Year Assets Growth
2002 85.417.700.000
2003 101.428.400.000 15.79%
2004 111.591.600.000 9.11%
2005 120.586.000.000 7.46%
2006 137.378.500.000 12.22%
2007 179.026.600.000 23.26%
2008 202.361.000.000 11.53%
2009 191.397.000.000 -5.73%
2010 188.878.000.000 -1.33%
2011 196.129.000.000 3.7%
2012 190.718.000.000 -2.84%
2013 189.926.000.000 -0.42%
2013 189.893.000.000 -0.02%
2014 195.580.000.000 2.91%
2015 208.939.000.000 6.39%
2016 221.670.000.000 5.74%
2017 228.937.000.000 3.17%
2018 238.301.000.000 3.93%
2019 248.041.000.000 3.93%
2020 254.914.000.000 2.7%
2021 272.354.000.000 6.4%
2022 271.893.000.000 -0.17%
2023 271.917.000.000 0.01%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Nationwide Building Society Liabilities
Year Liabilities Growth
2002 81.231.600.000
2003 96.875.400.000 16.15%
2004 106.652.700.000 9.17%
2005 115.554.600.000 7.7%
2006 131.914.100.000 12.4%
2007 173.018.500.000 23.76%
2008 198.067.000.000 12.65%
2009 185.681.000.000 -6.67%
2010 182.624.000.000 -1.67%
2011 189.970.000.000 3.87%
2012 184.138.000.000 -3.17%
2013 181.020.000.000 -1.72%
2013 180.987.000.000 -0.02%
2014 185.839.000.000 2.61%
2015 198.009.000.000 6.15%
2016 210.537.000.000 5.95%
2017 216.696.000.000 2.84%
2018 225.132.000.000 3.75%
2019 235.672.000.000 4.47%
2020 242.137.000.000 2.67%
2021 257.991.000.000 6.15%
2022 256.323.000.000 -0.65%
2023 255.567.000.000 -0.3%

Nationwide Building Society Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1005.77
Net Income per Share
142.51
Price to Earning Ratio
0.93x
Price To Sales Ratio
0.15x
POCF Ratio
0.79
PFCF Ratio
1.09
Price to Book Ratio
0.07
EV to Sales
3.54
EV Over EBITDA
70.43
EV to Operating CashFlow
21.35
EV to FreeCashFlow
25.33
Earnings Yield
1.08
FreeCashFlow Yield
0.92
Market Cap
1,39 Bil.
Enterprise Value
32,47 Bil.
Graham Number
2397.26
Graham NetNet
-29312.86

Income Statement Metrics

Net Income per Share
142.51
Income Quality
1.17
ROE
0.08
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.73
EBT Per Ebit
1
Ebit per Revenue
0.19
Effective Tax Rate
0.27

Margins

Sales, General, & Administrative to Revenue
0.17
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.58
Operating Profit Margin
0.19
Pretax Profit Margin
0.19
Net Profit Margin
0.14

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0.07
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
166.73
Free CashFlow per Share
140.53
Capex to Operating CashFlow
0.16
Capex to Revenue
0.03
Capex to Depreciation
1.59
Return on Invested Capital
0.02
Return on Tangible Assets
0
Days Sales Outstanding
11.7
Days Payables Outstanding
0
Days of Inventory on Hand
-1603.04
Receivables Turnover
31.21
Payables Turnover
0
Inventory Turnover
-0.23
Capex per Share
26.2

Balance Sheet

Cash per Share
-2.610,84
Book Value per Share
1.792,30
Tangible Book Value per Share
1699.34
Shareholders Equity per Share
1792.3
Interest Debt per Share
6170.12
Debt to Equity
3.35
Debt to Assets
0.2
Net Debt to EBITDA
67.41
Current Ratio
1.91
Tangible Asset Value
15,50 Bil.
Net Current Asset Value
-231,40 Bil.
Invested Capital
13027000000
Working Capital
11,53 Bil.
Intangibles to Total Assets
0
Average Receivables
0,29 Bil.
Average Payables
0,00 Bil.
Average Inventory
-2884500000
Debt to Market Cap
39.3

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Nationwide Building Society Dividends
Year Dividends Growth

Nationwide Building Society Profile

About Nationwide Building Society

Nationwide Building Society, together with its subsidiaries, provides retail financial services in the United Kingdom. The company offers current, savings, and individual savings accounts; residential mortgages; overdrafts, personal loans, car loans, and home improvement loans; and credit cards. It also provides loans to registered social landlords, loans made under the private finance initiatives, and commercial real estate loans. In addition, the company offers home, life, income protection, travel, mobile phone, and breakdown insurance; and investment products and services, such as financial planning services. Further, it provides treasury liquidity, derivative, and discretionary services; and mobile and Internet banking services. The company was founded in 1846 and is headquartered in Swindon, the United Kingdom.

CEO
Ms. Deborah Anne Crosbie
Employee
18.310
Address
Nationwide House
Swindon, SN38 1NW

Nationwide Building Society Executives & BODs

Nationwide Building Society Executives & BODs
# Name Age
1 Mr. Muir James Mathieson
Chief Financial Officer & Executive Director
70
2 Ms. Deborah Anne Crosbie
Chief Executive & Executive Director
70
3 Mr. Mark Chapman
General Counsel
70
4 Ms. Sara Batchelor
Head of Media Relations
70
5 Ms. Sara Bennison MA (Oxon)
Chief Product & Marketing Officer
70
6 Ms. Lynn Reston McManus
Chief People Officer
70
7 Mr. Ian George Andrew
Managing Director of Nationwide Group Intermediary Sales
70
8 Ms. Alison J. Robb
Deputy Chief Financial Officer
70
9 Mr. Robert Gardner
Chief Economist
70
10 Mr. Suresh Viswanathan
Chief Operating Officer
70

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