Provide current accounts, mortgages, personal unsecured lending, and personal deposits to individual customers. Now — the numbers.
This is an established company with proven profits.
Average growth of 25% a year over the last 4 years. Every year shown ended in profit.
The market pays 4.8× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 89% of them.
Analysts' average target sits 4% below today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit indicators sit around the sector average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 20% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 25% a year on average.
It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 26/100.
On our five-subject report card, NWG sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: NWG is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.