Company Overview

Australia and New Zealand Banking Group Limited provides various banking and financial products and services in Australia and internationally. Its Australia Retail division offers home and personal loans, deposits, and credit cards through the branch network, home loan specialists, contact centers, self-service channels, and third-party brokers, as well as financial planning services. Its Australia Commercial division provides asset financing for small business owners, medium and large commercial customers, high net worth individuals, and family groups. The company's Institutional division offers documentary trade, supply chain and commodity financing, cash management solutions, deposits, payments, and clearing services; loan syndication, loan structuring and execution, project and export finance, debt structuring and acquisition finance, and corporate advisory services, as well as loan products; and risk management services. It serves governments, and global institutional and corporate customers. The company's New Zealand division provides banking and wealth management services to consumer, and private banking and small business banking customers through its Internet and app-based digital solutions, network of branches, mortgage specialists, relationship managers, and contact centers; and traditional relationship banking and financial solutions for small, medium, and large enterprises, agricultural business segments, and government and government-related entities. Its Pacific division offers retail products, and traditional relationship banking and financial solutions. This division serves retail customers, small to medium-sized enterprises, institutional customers, and governments. The company was founded in 1835 and is based in Melbourne, Australia.

  • Name

    ANZ Group Holdings Limited

  • CEO

    Nuno Matos

  • Website

    www.anz.com.au

  • Sector

    Banks

  • Year Founded

    1835

Company Statistics

Profile

  • Market Cap

  • EV

  • Shares Out

  • Revenue

  • Employees

Margins

  • Gross

  • EBITDA

  • Operating

  • Pre-Tax

  • Net

  • FCF

Returns (5Yr Avg)

  • ROA

  • ROTA

  • ROE

  • ROCE

  • ROIC

Valuation (TTM)

  • P/E

  • P/B

  • EV/Sales

  • EV/EBITDA

  • P/FCF

  • EV/Gross Profit

Valuation (NTM)

  • Price Target

  • P/E

  • PEG

  • EV/Sales

  • EV/EBITDA

  • P/FCF

Financial Health

  • Cash

  • Net Debt

  • Debt/Equity

  • EBIT/Interest

Growth (CAGR)

  • Rev 3Yr

  • Rev 5Yr

  • Rev 10Yr

  • Dil EPS 3Yr

  • Dil EPS 5Yr

  • Dil EPS 10Yr

  • Rev Fwd 2Yr

  • EBITDA Fwd 2Yr

  • EPS Fwd 2Yr

  • EPS LT Growth Est

Dividends

  • Yield

  • Payout

  • DPS

  • DPS Growth 3Yr

  • DPS Growth 5Yr

  • DPS Growth 10Yr

  • DPS Growth Fwd 2Yr

Bulls Say

  • ANZ wins market share in home loans and retail customer deposits after rolling out an improved digital offering.

  • A large institutional client base and geographic footprint leaves ANZ well placed to support customers transitioning to net zero and moving supply chains in response to US tariffs.

  • Nonbank lenders and even nonmajor banks reliant on wholesale funding and equity markets cede market share back to the major banks in a rising rate environment.

Bears Say

  • ANZ Bank sinks money into new systems but remains subpeer on returns on equity, cost efficiency, and net interest margins.

  • Sourcing more funding from institutional customer deposits, which are more price-sensitive, ANZ has less margin upside from higher interest cash rates than major bank peers.

  • After acquiring Suncorp Bank, issues with loan processing and integration result in the bank ceding market share and spending more than originally guided on integration.

Source: Morningstar Analysis - Nov 12, 2025
ASX:ANZ