Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Nationwide Building Society is a prominent financial institution in the United Kingdom, known for its comprehensive range of banking and financial services tailored primarily to members. As a mutual building society, Nationwide operates under a member-focused model, providing a significant alternative to shareholder-owned banks. Its primary functions include offering various savings accounts, mortgage lending, and personal banking services. Nationwide is renowned for its extensive outreach in the mortgage sector, playing a pivotal role in the UK housing market by providing competitive home loans and supporting homeownership. In addition to mortgages and savings, Nationwide offers personal loans, insurance products, and current accounts, serving a wide customer base across different demographics. Its emphasis on customer satisfaction and community engagement underscores its mission as a member-owned organization. Nationwide's significance in the financial market stems from its status as one of the UK's largest building societies, contributing to consumer finance stability through prudent financial management and commitment to transparency and ethical practices. Its operational scale and member-centric approach ensure Nationwide remains a trustworthy choice for banking needs in a competitive financial landscape.
£1.29
+£0.00 (+0.00%)
EOD Jul 3, 2026
17.29% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue grew 23.1% YoY. However, net income declined 53%, rising credit provisions or expenses may be eating into the top line.
Net income declined 53% YoY, profitability momentum has weakened.
0.0x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
£6.38B
▲ +23.1% YoY
Net Income (TTM)
£1.10B
▼ -52.8% YoY
Net Margin
17.29%
P/E
0.0x
Balance Sheet
Total Assets
£382.33B
Equity
£21.29B
Total Debt
£58.76B
Cash & Equiv.
£38.41B
3Y CAGR: +11.0%
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At a P/E of 0.0 and a price-to-free-cash-flow of 0.0, Nationwide Building Society (NBS.XLON) trades below a two-stage DCF intrinsic value of about £4,376.48 per share, so at £1.29 the stock looks undervalued (339,161.8% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Nationwide Building Society scores 77/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 798.8%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about £4,376.48 per share for NBS.XLON, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around £3,282.36. At today's £1.29, that puts the stock about 339,161.8% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Nationwide Building Society scores 77 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Nationwide Building Society pays a regular dividend of about £10.30 per share per year (typically in quarterly installments), a yield of roughly 798.8% at the current price. That is a payout ratio of about 8.5% of earnings, so the dividend is amply covered by earnings. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For NBS.XLON's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. NBS.XLON currently trades below its estimated intrinsic value and scores 77/100 on quality (solid). It also yields about 798.8%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.