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Bank of Queensland Ltd

Bank of Queensland Ltd

BOQ · AU · Financial Services / Banks - Regional

7.08AUD-0.04 (-0.56%)

Price History

Full chart

Market Stats

Previous Close7.12
Open7.10
Day Range7.02 – 7.10
52-Week Range5.77 – 7.09
Volume2.31M
Market Cap4.25B
P/E (TTM)43.20
Forward P/E10.89
EPS0.15
Dividend Yield6.17%
Beta0.68
50-Day Avg6.54
200-Day Avg6.59

About

Bank of Queensland Limited, together with its subsidiaries, engages in the provision of financial services in Australia. The company operates through Retail Bank and BOQ Business segments. It offers banking and savings accounts; term deposits; transaction accounts; business bank accounts; debit and credit cards; home and contents insurance; car insurance; business banking support products; foreign exchange and trade services; and merchant and payment products. The company also provides personal loans; home loans, such as refinancing; business loans, as well as business overdraft, self-managed super fund loan, and equipment and vehicle finance; and banking solutions for agribusiness, corporate and property, and healthcare. Bank of Queensland Limited was founded in 1874 and is based in Newstead, Australia.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Rodney Ian Finch
  • Employees3.39K
  • Headquarters100 Skyring Terrace, Newstead, QLD, Australia, 4006, Australia
  • Websitehttps://www.boq.com.au

Leadership

  • Mr. Rodney Ian FinchMD, CEO & Director
  • Ms. Racheal Kellaway B.Com., CPAChief Financial Officer
  • Mr. Craig Ryman B.Com.Chief Information and Operations Officer
  • Ms. Alexandra Taylor C.A.Chief People Officer
  • Mr. Greg BoyleGroup Executive of Retail Banking
  • Ms. Jessica SmithGeneral Manager of Investor Relations & Corporate Affairs
  • Ms. Fiona Daly AGIA, L.L.B., L.L.M., M.A.I.C.D.Company Secretary & General Counsel
  • Ms. Natasha KelsoHead of BOQ Broker
  • David BoldHead of Media & Government Relations
  • Mr. Tim LedinghamTreasurer

Financials

Income Statement

Currency: AUD1989-08-311990-08-311991-08-311992-08-311993-08-311994-08-311995-08-311996-08-311997-08-311998-08-311999-08-312000-08-312001-08-312002-08-312003-08-312004-08-312005-08-312006-08-312007-08-312008-08-312009-08-312010-08-312011-08-312012-08-312013-08-312014-08-312015-08-312016-08-312017-08-312018-08-312019-08-312020-08-312021-08-312022-08-312023-08-312024-08-312025-08-31
Total Revenue43.30M54.66M65.94M78.66M85.28M94.83M-108.47M-124.35M-115.79M-106.69M-116.45M150.08M163.19M173.87M205.50M283.70M347.70M364.60M447.50M558.10M621.70M688.40M773.30M778.20M823.60M853.00M1.01B1.05B1.05B1.08B1.03B925.00M1.27B1.63B4.20B5.08B4.72B
Growth (%)-+26.23%+20.64%+19.29%+8.42%+11.19%-214.38%-14.64%+6.88%+7.86%-9.15%+228.87%+8.74%+6.54%+18.20%+38.05%+22.56%+4.86%+22.74%+24.72%+11.40%+10.73%+12.33%+0.63%+5.83%+3.57%+18.87%+3.55%+0.48%+2.37%-4.91%-9.93%+37.73%+28.26%+157.16%+20.87%-6.97%
Cost of Revenue---------219.18M----4.39M-5.40M---12.50M-40.60M1.40M2.10M-4.30M-12.50M-18.70M-20.40M00000--560.00M776.00M2.45B3.48B3.55B
Gross Profit43.30M54.66M65.94M78.66M85.28M94.83M-108.47M-124.35M103.39M-106.69M-116.45M150.08M163.19M169.47M210.90M283.70M347.70M377.10M488.10M556.70M619.60M692.70M785.80M796.90M844.00M853.00M1.01B1.05B1.05B1.08B1.03B925.00M1.27B1.65B1.75B1.60B1.18B
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%-89.29%100.00%100.00%100.00%100.00%97.47%102.63%100.00%100.00%103.43%109.07%99.75%99.66%100.62%101.62%102.40%102.48%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.86%41.74%31.44%24.93%
Operating Expense-16.55M-31.29M-23.06M-10.21M-1.05M-1.34M-251.11M-284.33M-35.06M-238.29M-262.50M-28.51M-48.48M-56.63M-89.90M-229.50M-261.10M-493.70M-686.10M-1.25B-1.12B-1.24B-1.49B-1.13B-1.04B449.00M511.00M510.00M496.00M519.00M542.00M629.00M741.00M1.03B1.16B1.03B900.00M
Operating Income59.85M85.94M89.00M88.87M86.33M96.17M142.65M159.98M138.45M131.60M146.05M178.59M211.67M226.10M300.80M513.20M608.80M870.80M1.17B1.80B1.74B1.93B2.27B1.93B1.88B404.00M503.00M540.00M559.00M561.00M485.00M296.00M533.00M620.00M592.00M567.00M278.00M
Operating Margin138.24%157.24%134.98%112.98%101.23%101.42%-131.51%-128.65%-119.57%-123.35%-125.41%119.00%129.71%130.05%146.37%180.90%175.09%238.84%262.39%323.40%280.41%281.07%294.19%247.42%228.28%47.36%49.61%51.43%52.99%51.94%47.22%32.00%41.84%37.94%14.09%11.16%5.88%
EBITDA61.65M88.19M91.48M91.46M89.13M99.53M146.74M164.60M143.40M136.25M151.27M184.25M187.20M235.91M317.90M535.20M633.60M892.00M1.20B1.85B1.78B1.97B2.31B1.98B1.92B-2.00M-7.00M-44.00M-52.00M-68.00M492.00M294.00M628.00M731.00M415.00M557.00M332.00M
EBITDA Margin142.39%161.36%138.74%116.27%104.51%104.96%-135.29%-132.37%-123.84%-127.70%-129.89%122.77%114.72%135.69%154.70%188.65%182.23%244.65%267.69%332.06%286.18%286.32%298.66%253.86%232.64%-0.23%-0.69%-4.19%-4.93%-6.30%47.91%31.78%49.29%44.74%9.88%10.97%7.03%
Net Income7.22M9.23M11.53M15.16M16.23M20.59M22.67M21.66M14.51M16.11M19.26M22.24M21.43M24.88M42.00M57.40M74.50M86.90M124.00M130.10M116.30M166.10M139.10M-17.10M183.10M261.00M318.00M338.00M352.00M336.00M298.00M115.00M368.00M409.00M124.00M285.00M133.00M
Net Income Margin16.68%16.90%17.48%19.27%19.03%21.71%-20.90%-17.42%-12.53%-15.10%-16.54%14.82%13.13%14.31%20.44%20.23%21.43%23.83%27.71%23.31%18.71%24.13%17.99%-2.20%22.23%30.60%31.36%32.19%33.36%31.11%29.02%12.43%28.89%25.03%2.95%5.61%2.81%
Interest Expense48.40M70.64M69.58M63.63M58.58M65.75M108.47M124.35M115.79M106.69M116.45M142.48M177.97M181.81M237.20M422.50M497.00M747.20M989.80M1.62B1.55B1.68B2.05B1.94B1.60B1.35B1.33B1.22B1.12B1.10B1.10B3.00M560.00M776.00M2.45B3.48B3.53B
Interest Expense % of Total Revenue111.77%129.26%105.52%80.89%68.69%69.34%-100.00%-100.00%-100.00%-100.00%-100.00%94.94%109.06%104.57%115.43%148.92%142.94%204.94%221.18%290.63%249.33%243.48%265.51%249.90%194.79%158.41%130.87%116.29%106.16%102.22%106.82%0.32%43.96%47.49%58.26%68.56%74.65%

Balance Sheet

Currency: AUD1989-08-311990-08-311991-08-311992-08-311993-08-311994-08-311995-08-311996-08-311997-08-311998-08-311999-08-312000-08-312001-08-312002-08-312003-08-312004-08-312005-08-312006-08-312007-08-312008-08-312009-08-312010-08-312011-08-312012-08-312013-08-312014-08-312015-08-312016-08-312017-08-312018-08-312019-08-312020-08-312021-08-312022-08-312023-08-312024-08-312025-08-31
Total Assets129.28M186.48M1.03B1.29B1.53B1.90B2.14B2.22B2.50B2.85B3.08B3.69B4.22B5.28B7.20B9.93B11.07B15.80B20.04B29.78B34.01B38.57B39.90B41.76B42.53B46.91B48.02B50.85B51.66B52.98B55.60B56.77B91.44B99.91B105.35B103.04B100.53B
Total Liabilities63.08M97.70M932.94M1.16B1.39B1.75B1.97B2.04B2.36B2.70B2.91B3.51B4.01B5.02B6.83B9.32B10.35B15.11B19.18B28.10B31.90B36.17B37.33B38.86B39.71B8.36B8.71B9.40B47.87B49.12B51.74B52.54B85.24B93.25B99.22B97.02B94.62B
Total Equity66.21M88.78M95.47M126.72M135.33M148.16M164.22M176.31M143.06M146.28M171.22M179.66M209.84M258.51M378.30M603.20M715.50M689.80M854.30M1.68B2.11B2.40B2.57B2.90B2.82B3.34B3.47B3.59B3.79B3.86B3.86B4.23B6.20B6.67B6.13B6.02B5.91B
Cash4.65M4.80M5.46M33.94M37.04M86.52M148.44M166.92M40.51M62.74M44.54M263.65M384.25M626.87M1.12B1.19B1.43B258.50M525.90M465.80M428.40M586.90M565.10M790.20M991.70M1.03B1.10B1.23B914.00M1.11B1.27B1.25B2.35B2.45B2.58B2.93B2.73B
Total Debt49.89M73.17M77.80M103.03M37.06M41.85M14.55M10.86M53.35M2.63B2.82B243.70M217.41M423.80M541.70M818.30M1.40B4.82B6.00B7.58B6.98B7.17B6.65B6.69B7.14B6.53B9.33B9.61B9.91B10.39B12.27B11.81B18.31B21.01B21.03B18.19B17.66B
Net Debt45.24M68.37M72.34M69.09M18.00K-44.67M-133.89M-156.06M12.84M2.57B2.77B-19.95M-166.84M-203.08M-579.10M-373.50M-26.40M4.56B5.48B7.11B6.55B6.59B6.09B5.90B6.15B5.50B4.65B8.38B9.00B9.28B11.00B10.56B15.95B18.56B18.45B15.26B17.66B

Cash Flow

Currency: AUD1989-08-311990-08-311991-08-311992-08-311993-08-311994-08-311995-08-311996-08-311997-08-311998-08-311999-08-312000-08-312001-08-312002-08-312003-08-312004-08-312005-08-312006-08-312007-08-312008-08-312009-08-312010-08-312011-08-312012-08-312013-08-312014-08-312015-08-312016-08-312017-08-312018-08-312019-08-312020-08-312021-08-312022-08-312023-08-312024-08-312025-08-31
Operating Cash Flow9.02M11.48M16.64M20.47M22.64M40.18M36.07M17.22M16.97M22.65M25.81M37.29M29.14M38.05M76.70M85.10M115.10M-245.40M-186.00M-109.80M-172.40M338.80M261.50M156.00M220.60M-1.46B-1.35B-2.37B-751.00M-507.00M-1.79B592.00M381.00M-1.24B3.57B-865.00M185.00M
Investing Cash Flow---197.40M-236.50M-298.12M-344.63M-235.30M-93.45M-11.68M-47.44M-243.19M-505.77M-557.70M-995.34M-1.77B-1.72B-930.90M-89.10M303.40M-89.20M-30.70M-271.20M-25.30M-21.50M-46.80M-233.00M-86.00M-68.00M49.00M-79.00M-110.00M-105.00M-866.00M-192.00M-142.00M14.00M2.55B
Financing Cash Flow--176.12M219.18M284.32M360.72M263.94M60.09M-33.72M28.92M199.18M530.61M519.67M1.02B1.86B1.61B1.05B24.70M99.90M119.40M157.40M49.70M-274.10M102.80M28.90M1.85B1.50B2.56B388.00M890.00M1.96B-408.00M1.70B1.32B-634.00M-1.46B-2.63B
Capital Expenditure003.37M2.97M4.71M3.65M7.70M5.38M5.00M7.68M14.86M494.82M19.22M13.21M43.80M47.50M30.90M24.00M18.10M31.50M34.80M19.00M32.80M32.10M48.10M31.00M36.00M16.00M18.00M14.00M13.00M111.00M128.00M215.00M143.00M181.00M13.00M
Free Cash Flow9.02M11.48M13.28M17.50M17.93M36.53M28.37M11.84M11.97M14.97M10.95M-457.53M9.92M24.84M32.90M37.60M84.20M-269.40M-204.10M-141.30M-207.20M319.80M228.70M123.90M172.50M-1.49B-1.39B-2.39B-769.00M-521.00M-1.81B481.00M253.00M-1.45B3.42B-1.05B172.00M
Dividends Paid--6.88M8.23M10.14M12.01M14.80M14.52M53.12M13.18M14.42M15.48M14.76M20.57M26.10M22.60M36.20M42.00M47.30M57.00M85.20M68.10M73.30M88.80M111.90M133.00M163.00M180.00M188.00M282.00M210.00M95.00M145.00M232.00M223.00M226.00M231.00M
FCF to OCF100.00%100.00%79.77%85.49%79.19%90.91%78.66%68.76%70.54%66.08%42.41%-1227.09%34.03%65.28%42.89%44.18%73.15%109.78%109.73%128.69%120.19%94.39%87.46%79.42%78.20%102.13%102.67%100.68%102.40%102.76%100.73%81.25%66.40%117.38%95.99%120.92%92.97%
Dividend Paid to FCF--51.85%47.03%56.55%32.89%52.16%122.65%443.76%88.04%131.69%-3.38%148.83%82.80%79.33%60.11%42.99%-15.59%-23.17%-40.34%-41.12%21.29%32.05%71.67%64.87%-8.94%-11.76%-7.54%-24.45%-54.13%-11.63%19.75%57.31%-15.98%6.51%-21.61%134.30%

Earnings

Report DateOct 10, 2013Apr 11, 2014Oct 9, 2014Mar 26, 2015Oct 8, 2015Apr 7, 2016Oct 6, 2016Mar 30, 2017Oct 12, 2017Apr 17, 2018Oct 4, 2018Apr 11, 2019Oct 17, 2019Apr 7, 2020Oct 13, 2020Apr 14, 2021Oct 13, 2021Apr 13, 2022Oct 12, 2022Apr 20, 2023Apr 15, 2025Oct 15, 2025Oct 15, 2026
EPS Estimate0.390.420.450.450.580.630.470.460.460.470.450.410.400.320.140.340.370.360.380.400.210.23-
EPS Actual0.000.000.000.000.000.440.420.470.420.440.370.390.310.32-0.060.300.320.300.280.010.25-0.09-
Surprise-100.00%-100.00%-100.00%-100.00%-100.00%-30.10%-10.51%1.12%-8.46%-6.18%-18.47%-4.76%-21.82%1.59%-143.48%-12.99%-13.86%-16.34%-25.63%-97.50%19.73%-138.54%-
Timing-----------------After-hoursPre-marketPre-market-Pre-marketPre-market

Key Statistics & Ratios

Market Cap4.25B
Enterprise Value16.03B
Trailing P/E43.20
Forward P/E10.89
PEG Ratio4.08
Price / Sales2.55
Price / Book0.72
EPS0.15
Book Value8.99
Revenue (TTM)1.66B
Gross Profit (TTM)1.66B
Profit Margin5.89%
Operating Margin25.77%
Return on Equity1.64%
Return on Assets0.10%
Shares Outstanding655.82M
Shares Float648.93M
Beta0.68
Dividend Yield6.17%
Dividend Rate0.40
Payout Ratio256.76%

Ownership Breakdown

Institutions
33.25%
Insiders
0.95%
Retail / Other
65.80%

Top Fund Holders

  • Vanguard International Stock Index-Total Intl Stock Indx
    7.17M1.12%
  • DFA International Small Cap Value Portfolio
    6.62M1.04%
  • Vanguard Tax Managed Fund-Vanguard Developed Markets Index Fund
    2.89M0.45%
  • DFA Asia Pacific Small Company Series
    2.72M0.42%
  • DFA International Core Equity Portfolio
    2.27M0.35%
  • iShares Core MSCI EAFE ETF
    2.17M0.34%
  • iShares MSCI EAFE Small Cap ETF
    1.92M0.30%
  • Vanguard Intl Equity Index Fds-FTSE All World ex U.S. Index Fund
    816.90K0.13%
  • Schwab Strategic Tr-Schwab International Equity ETF
    577.11K0.09%
  • Schwab Strategic Tr-Schwab Fundamental Intl Small Company Idx ETF
    530.51K0.08%

Dividends

20263×
0.20Oct 27, 20260.15Aug 13, 20260.20May 4, 2026
20252×
0.20Oct 29, 20250.18Apr 30, 2025
20242×
0.17Oct 25, 20240.17May 2, 2024
20232×
0.21Oct 26, 20230.20May 10, 2023
20222×
0.24Oct 27, 20220.22May 4, 2022
20212×
0.22Oct 28, 20210.17May 5, 2021
20201×
0.12Nov 4, 2020
20192×
0.30Nov 6, 20190.33May 1, 2019
20182×
0.37Oct 24, 20180.37Apr 26, 2018
20172×
0.45Nov 2, 20170.37Apr 20, 2017
20162×
0.37Oct 27, 20160.37Apr 28, 2016
20152×
0.37Oct 29, 20150.35Apr 16, 2015

Stock Splits

  • Oct 29, 19921.125:1
  • Nov 11, 19911.0732:1
  • Dec 2, 19901.125:1
  • Nov 8, 19891.0478:1
  • Nov 23, 19881.125:1
  • Apr 11, 19881.0747:1