Australia and New Zealand Banking Group Limited (ANZBY) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Australia and New Zealand Banking Group Limited (ANZBY) trades at $16.05 with AI Score 48/100 (Grade C). Australia and New Zealand Banking Group Limited (ANZBY) is a global financial services provider, offering a range of banking and… Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for ANZBY: ANZBY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates ANZBY against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
ANZBY: the 3 scored disciplines are evenly split. Dominant signal: Ken Griffin bearish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Australia and New Zealand Banking Group Limited (ANZBY) Financial Services Profile
Australia and New Zealand Banking Group Limited (ANZBY) is a leading financial institution providing diverse banking and financial products across Australia, New Zealand, and the Pacific, serving retail, commercial, and institutional clients with a focus on digital solutions and strategic partnerships, while maintaining a dividend yield of 4.49%.
What Is the Investment Thesis for ANZBY?
ANZBY presents a compelling investment case based on its established market position, diversified revenue streams, and commitment to digital innovation. With a P/E ratio of 17.8 and a dividend yield of 4.49%, the company offers a blend of value and income potential. Growth catalysts include expansion of digital banking services and strategic partnerships, such as the collaboration with Cashrewards. However, potential risks include exposure to economic fluctuations in Australia, New Zealand, and the Pacific region, as well as increasing competition from fintech companies. The company's ability to maintain its profit margin of 8.7% and gross margin of 14.2% will be crucial for sustaining shareholder value.
Based on FMP financials and quantitative analysis
ANZBY Key Highlights
ANZBY boasts a dividend yield of 4.49%, offering an attractive income stream for investors.
- The company's profit margin stands at 8.7%, indicating efficient operations and profitability.
- ANZBY's gross margin is 14.2%, reflecting its ability to manage costs effectively.
- The P/E ratio of 17.8 suggests a reasonable valuation compared to its earnings.
- ANZBY employs 38,987 individuals globally, demonstrating its significant operational scale.
Who Are ANZBY's Competitors?
ANZBY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AGRIP AgriBank, FCB | $99.80 | +0.05% | $46.8B | 52 |
| AKSJF Sberbank of Russia | $2.95 | +0.00% | $66.5B | — |
| BKAMF Brookfield Asset Management Inc | $14.33 | +0.00% | $32.0B | — |
| BNSPF The Bank of Nova Scotia | $18.71 | -0.74% | $22.6B | 50 |
| CHYFF Cathay Financial Holding Co., Ltd. | $14.63 | +0.00% | $31.2B | — |
| JPM JPMorgan Chase & Co. | $351.55 | -1.60% | $942B | 85 |
| BAC Bank of America Corporation | $61.86 | -2.07% | $439B | 93 |
| HSBC HSBC Holdings plc | $102.30 | -0.85% | $352B | 51 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ANZBY's Key Strengths?
Strong brand recognition in Australia and New Zealand.
- Diversified business model across retail, commercial, and institutional banking.
- Extensive branch network and digital presence.
- Solid capital base and risk management practices.
What Are ANZBY's Weaknesses?
Exposure to economic fluctuations in Australia, New Zealand, and the Pacific region.
- Increasing competition from fintech companies.
- Regulatory compliance costs.
- Dependence on interest rate margins.
What Could Drive ANZBY Stock Higher?
Expansion of digital banking services to attract new customers and enhance customer loyalty.
- Strategic partnerships with fintech companies to drive innovation and expand market reach.
- Growth in wealth management services to cater to high-net-worth individuals and family groups.
- Focus on sustainable finance initiatives to attract socially responsible investors and customers.
- Expansion in the Pacific region to tap into new growth opportunities.
What Are the Key Risks for ANZBY?
Economic downturns in Australia, New Zealand, and the Pacific region could negatively impact ANZBY's financial performance.
- Increased competition from fintech companies could erode ANZBY's market share.
- Regulatory compliance costs could increase, reducing ANZBY's profitability.
- Cybersecurity risks could lead to data breaches and reputational damage.
- Fluctuations in interest rates could impact ANZBY's net interest margin.
What Are the Growth Opportunities for ANZBY?
- Expansion of Digital Banking Services: ANZBY can capitalize on the growing demand for digital banking solutions by expanding its online and mobile platforms. The digital banking market is projected to reach $10 trillion by 2028, offering significant growth potential. By investing in user-friendly interfaces and innovative features, ANZBY can attract new customers and enhance customer loyalty. This includes further development of its app-based digital solutions in New Zealand and Australia, creating a seamless and integrated banking experience.
- Strategic Partnerships and Alliances: Forming strategic partnerships with fintech companies and other financial institutions can drive growth and innovation. ANZBY's partnership with Cashrewards Limited is a prime example of how collaborations can enhance customer value and expand market reach. By identifying and partnering with complementary businesses, ANZBY can offer a broader range of products and services and tap into new customer segments. These partnerships can also facilitate access to cutting-edge technologies and expertise.
- Growth in Wealth Management Services: The wealth management market is experiencing rapid growth, driven by increasing affluence and demand for financial planning services. ANZBY can expand its wealth management offerings to cater to high-net-worth individuals and family groups. This includes providing personalized investment advice, retirement planning, and estate planning services. By leveraging its existing customer base and expanding its network of financial advisors, ANZBY can capture a larger share of the wealth management market.
- Expansion in the Pacific Region: ANZBY has a presence in the Pacific region, offering retail products and financial solutions to various customer segments. By expanding its operations in this region, ANZBY can tap into new growth opportunities. This includes increasing its branch network, developing tailored products for local markets, and strengthening its relationships with governments and institutional customers. The Pacific region offers a relatively untapped market with significant growth potential.
- Focus on Sustainable Finance: As environmental, social, and governance (ESG) factors become increasingly important to investors and customers, ANZBY can focus on sustainable finance initiatives. This includes offering green loans, investing in renewable energy projects, and promoting sustainable business practices. By positioning itself as a leader in sustainable finance, ANZBY can attract socially responsible investors and customers. This also aligns with global efforts to address climate change and promote sustainable development.
What Are ANZBY's Competitive Advantages?
- Established brand reputation and customer loyalty in Australia and New Zealand.
- Extensive branch network and digital platforms providing convenient access to banking services.
- Strong relationships with corporate and government clients.
- Diversified revenue streams across various banking segments.
What Does ANZBY Do?
Founded in 1835 and headquartered in Melbourne, Australia, Australia and New Zealand Banking Group Limited (ANZBY) has evolved into a prominent global financial services provider. The company offers a comprehensive suite of banking and wealth management solutions to a diverse clientele, including retail, commercial, and institutional customers. ANZBY operates through four primary divisions: Australia Retail and Commercial, Institutional, New Zealand, and Pacific. The Australia Retail and Commercial division provides a wide array of products and services to consumers through various channels, including branches, mortgage specialists, contact centers, and digital platforms. This division also offers asset financing for medium to large commercial customers, agribusinesses, and high-net-worth individuals. The Institutional division delivers documentary trade, supply chain financing, cash management, and corporate advisory services to governments and global institutional clients. The New Zealand division focuses on banking and wealth management services for consumer, private banking, and small business customers, leveraging digital solutions and traditional relationship banking. The Pacific division offers retail products and financial solutions to retail customers, SMEs, and governments. ANZBY has also formed a strategic partnership with Cashrewards Limited to launch Cashrewards MaxTM for credit and debit card holders in Australia and New Zealand.
What Products and Services Does ANZBY Offer?
- Provides retail banking services to consumers through branches, online platforms, and mobile apps.
- Offers commercial banking solutions to small and medium-sized enterprises (SMEs).
- Delivers institutional banking services to large corporations and government entities.
- Provides wealth management and financial planning services to individuals and families.
- Offers asset financing for various business needs.
- Facilitates international trade and supply chain financing.
- Provides risk management services to mitigate financial risks.
How Does ANZBY Make Money?
- Generates revenue through interest income from loans and mortgages.
- Earns fees from providing various banking services, such as account maintenance and transaction processing.
- Derives income from wealth management and financial planning services.
- Benefits from trading and investment activities.
What Industry Does ANZBY Operate In?
Australia and New Zealand Banking Group Limited operates within the highly competitive financial services industry. The industry is characterized by increasing digital disruption, evolving regulatory landscapes, and fluctuating economic conditions. ANZBY competes with major domestic and international banks, as well as emerging fintech companies. The company's success depends on its ability to adapt to changing customer preferences, maintain regulatory compliance, and leverage technology to enhance its products and services. The financial services industry is expected to grow moderately, driven by increasing demand for banking and wealth management solutions.
Who Are ANZBY's Key Customers?
- Individual consumers seeking personal banking services.
- Small and medium-sized enterprises (SMEs) requiring commercial banking solutions.
- Large corporations and government entities needing institutional banking services.
- High-net-worth individuals and families seeking wealth management services.
Company Profile
Australia and New Zealand Banking Group Limited operates in the Banks - Diversified industry within the Financial Services sector. It is headquartered in Melbourne, AU. The company is led by CEO Shayne Cary Elliott. ANZBY has traded publicly since 1994.
Australia and New Zealand Banking Group Limited (ANZBY) Valuation Context
Relative to its peer group, ANZBY's quantitative score of 48/100 is roughly in line with the peer average of 51/100.
Key Financial Metrics
Return on equity for Australia and New Zealand Banking Group Limited stands at 8.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.4%, showing how much profit it generates from its asset base. ANZBY trades at a trailing price-to-earnings ratio of 17.81, roughly in line with the Financial Services sector average of ~18x. Its free cash flow yield is 17.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 3.48 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 5.6%, the inverse of the P/E and a quick read on earnings relative to price.
ANZBY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Strong brand recognition in Australia and New Zealand.
- Diversified business model across retail, commercial, and institutional banking.
- Extensive branch network and digital presence.
- Solid capital base and risk management practices.
Bear Case
- Exposure to economic fluctuations in Australia, New Zealand, and the Pacific region.
- Increasing competition from fintech companies.
- Regulatory compliance costs.
- Dependence on interest rate margins.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
ANZBY Latest News
No recent news available for ANZBY.
ANZBY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ANZBY.
Price Targets
Wall Street price target analysis for ANZBY.
ANZBY MoonshotScore
What does this score mean?
The MoonshotScore rates ANZBY 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Shayne Cary Elliott
CEO
Shayne Cary Elliott serves as the CEO of Australia and New Zealand Banking Group Limited. His career spans various leadership roles in the financial services industry. Prior to joining ANZ, he held senior positions at Citigroup, including CEO of Global Transaction Services and Head of Strategy and M&A. Elliott holds a Bachelor of Commerce degree from the University of Auckland and is a qualified chartered accountant. He brings extensive experience in banking, strategy, and mergers and acquisitions to his role at ANZ.
Track Record: Since becoming CEO, Shayne Cary Elliott has focused on simplifying ANZ's operations, improving customer service, and investing in digital innovation. He has overseen the implementation of strategic initiatives aimed at enhancing the bank's efficiency and profitability. Under his leadership, ANZ has strengthened its position in key markets and expanded its digital banking capabilities. Elliott has also emphasized the importance of sustainable finance and responsible business practices.
ANZBY OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Australia and New Zealand Banking Group Limited (ANZBY) may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, be experiencing financial distress, or be thinly traded. Investing in OTC Other stocks carries significant risks due to the lack of regulatory oversight and potential for fraud or manipulation. Investors should exercise extreme caution and conduct thorough due diligence before considering an investment in ANZBY.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry and the risk of adverse surprises.
- Lower trading volume can lead to price manipulation and increased volatility.
- The OTC Other tier has less regulatory oversight, increasing the risk of fraud or mismanagement.
- Thin trading can make it difficult to exit a position quickly or at a desired price.
- ANZBY may not meet the listing requirements of major exchanges, indicating potential financial or operational challenges.
- Verify the company's financial statements and audit reports, if available.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Review any available news articles or press releases about the company.
- Check for any regulatory actions or legal proceedings involving the company.
- Consult with a financial advisor to assess the risks and suitability of the investment.
- Understand the OTC market and its inherent risks.
- ANZBY is a well-established financial institution with a long history.
- The company is listed on the Australian Securities Exchange (ASX), providing some level of regulatory oversight.
- ANZBY has a significant number of employees, indicating a substantial operation.
- The company has a diversified business model across various banking segments.
- ANZBY has a strategic partnership with Cashrewards Limited, suggesting credibility and market acceptance.
Common Questions About ANZBY (Financial Services)
What does the AI Score mean for ANZBY?
ANZBY holds an AI Score of 48/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Australia and New Zealand Banking Group Limited (ANZBY) is a global financial services provider, offering a range of banking and wealth management solutions. The company operates across Australia …
What does Australia and New Zealand Banking Group Limited do?
Australia and New Zealand Banking Group Limited (ANZBY) is a diversified financial services provider offering a range of banking and wealth management solutions. The company operates across Australia, New Zealand, and the Pacific region, serving retail, commercial, and institutional clients. Its services include retail banking, commercial lending, institutional banking, wealth management, and insurance.
What do analysts say about ANZBY stock?
Analyst consensus for ANZBY stock is currently mixed, reflecting the challenges and opportunities facing the financial services industry. Key valuation metrics, such as the P/E ratio of 17.8 and dividend yield of 4.49%, suggest a blend of value and income potential. Growth considerations include the company's expansion of digital banking services and strategic partnerships.
What are the main risks for ANZBY?
The main risks for ANZBY include economic downturns in its key markets, which could lead to increased loan losses and reduced demand for financial services. Increased competition from fintech companies poses a threat to ANZBY's market share and profitability. Regulatory compliance costs could rise due to evolving regulations. Cybersecurity risks could result in data breaches and reputational damage.
What are the key factors to evaluate for ANZBY?
Australia and New Zealand Banking Group Limited (ANZBY) holds an AI score of 48/100 (low). P/E: 17.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does ANZBY data refresh on this page?
ANZBY's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven ANZBY's recent stock price performance?
Australia and New Zealand Banking Group Limited (ANZBY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong brand recognition in Australia and New Zealand. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ANZBY overvalued or undervalued right now?
Australia and New Zealand Banking Group Limited (ANZBY) trades at 17.8x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research ANZBY before investing?
Before investing in Australia and New Zealand Banking Group Limited (ANZBY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending for ANZBY may provide further insights.
- OTC market data may be less reliable than exchange-listed data.