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MyState

ASX:MYS · AU000000MYS0
BanksX-Small

360

86
Medium confidence — indicative
Profit price13
Cash yield93
Price/Sales61
EV / Gross Profit4
Price/Book52
Returns on capital10
Profit margins—
Cash Conversion4
Accruals62
Owner Earnings Margin18
Sales growth100
Profit Growth9
Owner Earnings Growth66
Reinvestment62
Price momentum29
Debt load2
Debt serviceability67
Liquidity22
Analyst ratings83
Opinion Changes50
Price Target Upside87
Market mood20
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

MyState clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryAustralia
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeASX
Founded2008
Employees62
Websitemystatelimited.com.au
ISINAU000000MYS0
Last UpdateApr 2, 2026
Indices
ASX 300 (Australia)
Themes
BankingFinancial ServicesWealth Management

Description

MyState Limited provides banking, trustee, and managed fund products and services. Loans The company offers a range of loan products to various needs, including home loans, personal loans, overdrafts, lines of credit, and commercial products. The…

Analysis

Weak and unloved

MyState Limited is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is fair. You pay 16.4× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone.

The trajectory is solid and accelerating and the balance sheet is uncertain. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
27
2023202420252026

All-time high

58

Jan 2025

All-time low

27

Jun 2026

Average rank

41

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
61
86
67
42
Price/Earnings
50
55
76
39
Price/Book
52
55
57
40
Dividend Yield
93
76
91
84
Value (overall)
71
81
86
42

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →