Companies ›Financials ›MYS.AX

MYS.AX — ASX Banks

MyState Ltd

A$4,56

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1D5D1M3M6MYTD1Y5YMax

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Mcap

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P/E

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EV / Rev

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Div yield

7,29 %

Op margin

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ROE

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Net margin

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Debt / equity

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Beta

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52w range

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TR 1Y

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About

MyState Ltd operates as a bank, providing financial services to customers, primarily generating revenue through interest income from loans and fees from financial products and services.

Business. MyState Ltd (MYS.AX) is an Australian bank listed on the Australian Securities Exchange. The company operates within the Banking & Investment Services industry, generating revenue primarily through interest income. Specific details regarding operating segments and geographic distribution are not provided.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryBanks

Generated · model-assisted

Sell-side consensus

BUY1 analysts

1 buy0 hold0 sell

Avg 12m price target5,42

Analyst recommendations

1 analysts · consensus Buy

Buy1

Hold0

Sell0

12-month price target

5,42

Consensus of sell-side coverage.

Upcoming events

— missing data

See all catalysts →

At a glance

Score

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not yet scored

Valuation

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valuation pending

Analysts→

Buy

1 analysts · indicative

Ownership

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not yet wired

Profitability

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not yet wired

Quality

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not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning MYS.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to MYS.AX. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Peers
DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

MyState Ltd (MYS.AX) is an Australian bank listed on the Australian Securities Exchange. The company operates within the Banking & Investment Services industry, generating revenue primarily through interest income. Specific details regarding operating segments and geographic distribution are not provided.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryBanks

AI synthesis

GENERATED

— missing data

Key takeaways

MyState Ltd has no dilution from stock options or convertible instruments, as basic and diluted shares are equal.
Liquidity risk could not be assessed due to missing balance-sheet inputs and no going-concern language in source documents.
No profitability or returns data is available, preventing a comparison to industry benchmarks.
Segment and geographic exposure details are not disclosed, limiting visibility into revenue concentration.
Analysts have issued a strong buy recommendation, with a mean price target of 5.42 AUD.

Bull / Bear case

Generated · model-assisted

BULL CASE · 5

Revenue surged 28.5% year-over-year to AUD 157.2 million in FY2025, demonstrating strong top-line growth momentum.

Total assets expanded significantly by 66.6% year-over-year to AUD 15.3 billion, indicating rapid balance sheet growth.

Equity grew 58.3% year-over-year to AUD 736 million, reflecting substantial capital accumulation over the period.

Free cash flow increased 37.4% year-over-year to AUD 10.9 million, improving liquidity generation capabilities.

Analysts assign a strong buy rating with 18.9% upside potential, targeting a price of AUD 5.42.

BEAR CASE · 5

Long-term debt rose sharply to AUD 3.27 billion in FY2025, increasing leverage and financial risk exposure.

Net income growth stalled at just 0.8% year-over-year, failing to keep pace with significant revenue expansion.

Net income CAGR was negative 0.5% over four years, indicating a long-term decline in profitability.

Free cash flow dropped significantly to AUD 7.95 million in FY2024 before recovering slightly in FY2025.

Revenue declined in FY2024 to AUD 122.3 million, showing volatility in top-line performance trends.

In focus — financials by report

Annual

ANNUALFiled 2025-08-19

FY 2025 · Full-year highlights

Revenue A$157.2M, +28,5% YoY; Net income +0,8% YoY.

RevenueA$157.2M+28,5 % YoY

Operating income—

Net incomeA$35.6M+0,8 % YoY

Free cash flowA$10.9M+37,4 % YoY

EPS—

Operating cash flowA$198.7M+762,5 % YoY

Financials

Income statement

RevenueA$157.2M

Gross profit—

Operating income—

Net incomeA$35.6M

Margins

Gross margin—

Operating margin—

Net margin22.6%

FCF margin6.9%

Balance sheet

Total assetsA$15.28B

Total liabilitiesA$14.54B

Total equityA$736.0M

Cash & equivalents—

Long-term debtA$3.27B

Cash flow

Operating cash flowA$198.7M

CapEx-A$6.3M

Free cash flowA$10.9M

SBC—

Highlights

▍Revenue A$157.2M, +28,5% YoY
▍Net income +0,8% YoY
▍Free cash flow +37,4% YoY
▍Net margin 22.6%

Valuation FY

Market price

A$4,56

Market cap

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Enterprise valueⓘ

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P/Eⓘ

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Non-GAAP P/Eⓘ

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EV / Revenueⓘ

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EV / Op incomeⓘ

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EV / OCFⓘ

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P / Bⓘ

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P / Tangible bookⓘ

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Tangible book

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Net cashⓘ

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Current ratioⓘ

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Debt / equityⓘ

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ROAⓘ

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ROEⓘ

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Cash conversionⓘ

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CapEx / revenueⓘ

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SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%

Revenue by segment

Business relationships

— missing data

Supply chain

— missing data

Peer comparison

— missing data

Market position

Stress test

— missing data

Predictor forecast

Next quarternear-term

Earnings · next quarterconf 45 %

EPS

Consensus EPS

0,32

Predicted surprise

+0,00

Beat probability

45 %

Analysts

Other metrics

Revenue

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no estimate

Segment revenue

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no estimate

Margin

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no estimate

Segment margin

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no estimate

as of 2026-05-16 · Earnings Surprise V1

Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.

Full fiscal year~1 year ahead

Full fiscal year · our forecast vs guidance vs consensus

Metric	Our forecast	Guidance	Consensus
EPS	—no estimate	—no estimate	0,32
Revenue	—no estimate	—no estimate	256,6M AUD
Operating income	—no estimate	—no estimate	76,5M AUD

Full-year consensus mean (period as reported by source) · consensus in AUD. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.

Probabilistic model output — not investment advice. · generated 2026-08-04

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Consensus distribution

sell-side coverage

Recommendation distribution1 analysts

Strong buy1

Buy0

Hold0

Sell0

Strong sell0

12-month price targetA$5,42 · Median A$5,42

Low A$5,42High A$5,42

Operating income · consensus76,5M AUD

EPS surprise

−25,9 %

reported vs consensus · miss

Revenue surprise

−27,3 %

reported vs consensus · miss

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

LowA$5,42

MeanA$5,42

MedianA$5,42

HighA$5,42

SpotA$4,56

+18.9 %implied to mean12-month sell-side price targets · ▲ spot

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskLow

Liquidity riskUnknown

Benchmarks vs cohort

No cohort benchmark data available for this issuer yet.

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

— missing data

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Market data
Market data cache
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data

How metrics are computed

Dilution Ratio
(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic

Source documents

MyState Ltd Market data — financials · 2026-05-28
MyState Ltd Market data — analyst estimates · 2026-05-28

Ownership & reference

Insider activity

— missing data

Short positioning

— missing data

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

MYS.AXCanonical

ASX · AUD

Intel & risk

PredictorBeat prob45 %Surprise+0,00Full forecast →

peak dispatch · —

OSINT findings

Dilution riskLow

Liquidity riskUnknown

Relationship graph

This companyPeerSector

Evidence & claims

From filings & derived data

— missing data

The Thread

Everything we know, in order

2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)

2025-08-19 03:48 UTCEARNINGSAnnual results — FY 2025 Revenue AUD 157.2M · Net AUD 35.6M

2024-08-19 03:46 UTCEARNINGSAnnual results — FY 2024 Revenue AUD 122.3M · Net AUD 35.3M

2023-08-18 04:14 UTCEARNINGSAnnual results — FY 2023 Revenue AUD 131.3M · Net AUD 38.5M

2022-08-15 05:58 UTCEARNINGSAnnual results — FY 2022 Revenue AUD 110.2M · Net AUD 32.0M

2021-08-20 04:25 UTCEARNINGSAnnual results — FY 2021 Revenue AUD 112.0M · Net AUD 36.3M

The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage

Analyst recommendations

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation FY

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Consensus distribution

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread