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Bendigo and Adelaide Bank Ltd

Financial Services AU BEN

10.34AUD
0.01(0.10%)

Last update at 2026-06-12T06:10:00Z

Day Range

10.3310.50
LowHigh

52 Week Range

9.7013.04
LowHigh

Fundamentals

  • Previous Close 10.33
  • Market Cap5807.83M
  • Volume1090628
  • P/E Ratio-
  • Dividend Yield6.12%
  • Revenue TTM1915.60M
  • Revenue Per Share TTM3.39
  • Gross Profit TTM 1915.60M
  • Diluted EPS TTM-0.15

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Income before tax 105.30M 797.20M 724.80M 701.40M 753.70M
Minority interest - - - - -
Net income -97.10000M 545.00M 497.00M 488.10M 524.00M
Selling general administrative 84.00M 831.60M 47.30M 32.30M 59.90M
Selling and marketing expenses 23.30M 24.00M 28.30M 22.90M 28.30M
Gross profit 1914.90M 1861.00M 1920.30M 1690.40M 1785.20M
Reconciled depreciation 120.50M 111.80M 102.80M 99.20M 100.20M
Ebit 605.60M 797.20M 622.00M 602.20M 653.50M
Ebitda 726.10M 909.00M 724.80M 701.40M 753.70M
Depreciation and amortization 120.50M 111.80M 102.80M 99.20M 100.20M
Non operating income net other - - - - -
Operating income 605.60M 904.50M 622.00M 602.20M 653.50M
Other operating expenses 5150.60M 855.60M -1117.60000M -982.90000M -896.00000M
Interest expense 3341.00M 3102.60M 1766.00M 332.30M 444.80M
Tax provision 202.40M 252.20M 261.10M 213.30M 229.70M
Interest income 4988.90M 4738.70M 1640.80M 1749.10M 1867.30M
Net interest income 1647.90M 1636.10M 1640.80M 1416.80M 1422.50M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 202.40M 252.20M 227.80M 213.30M 229.70M
Total revenue 5255.90M 1861.00M 1920.30M 1690.40M 1785.20M
Total operating expenses 1809.60M 855.60M 1070.30M 1016.20M 1013.50M
Cost of revenue 3341.00M -3112.50000M - - -
Total other income expense net -500.30000M -107.30000M 724.80M 701.40M 753.70M
Discontinued operations - - - - -
Net income from continuing ops -97.10000M 545.00M 497.00M 488.10M 524.00M
Net income applicable to common shares -97.10000M 545.00M 497.00M 488.10M 524.00M
Preferred stock and other adjustments - - - - -
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Total assets 103218.90M 98187.90M 98479.70M 95243.70M 86577.20M
Intangible assets 442.10M 382.30M 314.40M 280.80M 111.90M
Earning assets - - - - 5177.10M
Other current assets - 2523.10M 261.60M 78942.10M 75056.70M
Total liab 96548.60M 91153.90M 91629.00M 88531.80M 80223.70M
Total stockholder equity 6670.30M 7034.00M 6850.70M 6711.90M 6353.50M
Deferred long term liab - - 8.30M 4.70M 87.40M
Other current liab - 45018.90M -287.20000M -31.30000M -51.10000M
Common stock - 5231.30M 5240.50M 5219.50M 5049.50M
Capital stock 5203.40M 5231.30M 5240.50M 5219.50M 5049.50M
Retained earnings 1328.20M 1762.00M 1567.30M 1386.50M 1166.00M
Other liab - - 103.30M 614.60M 94.90M
Good will 988.00M 1527.50M 1527.50M 1527.50M 1437.50M
Other assets - 0.00000M 89787.70M 90098.00M 79217.80M
Cash 1083.20M 1887.70M 8508.10M 3165.00M 5528.60M
Cash and equivalents - - - - -
Total current liabilities - 47459.80M 287.20M 31.30M 51.10M
Current deferred revenue - -476.00000M - - -
Net debt 10211.60M 9169.90M 4701.10M 10053.00M -367.40000M
Short term debt - 2440.90M - - -
Short long term debt - - - - -
Short long term debt total - 11057.60M 13209.20M 13218.00M 5161.20M
Other stockholder equity - - 42.90M 105.90M 138.00M
Property plant equipment - - 166.20M 179.60M 205.90M
Total current assets - 2523.10M 6683.90M 3157.80M 5521.60M
Long term investments 9203.90M 10968.70M 7823.60M 10584.70M 3952.70M
Net tangible assets - - 5008.80M 4903.60M 4804.10M
Short term investments - -3484.30000M -1824.20000M -7.20000M -7.00000M
Net receivables - 477.90M 513.60M 304.00M 283.90M
Long term debt - - 13209.20M 13069.10M 4980.90M
Inventory - 1118.70M - - -
Accounts payable 458.20M 476.00M 287.20M 31.30M 51.10M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - 40.70M - - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other - 93579.80M -2008.10000M -1987.90000M -1837.80000M
Deferred long term asset charges - - - - -
Non current assets total - 95664.80M 2008.10M 1987.90M 1837.80M
Capital lease obligations - - - - -
Long term debt total - - 13209.20M 13218.00M 5161.20M
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Investments 111.50M -52.10000M -597.50000M 10.40M 3.60M
Change to liabilities - - -22.60000M -6.40000M 46.10M
Total cashflows from investing activities 111.50M -52.10000M -597.50000M 9.70M 3.60M
Net borrowings 0.00000M 25.00M -50.50000M -71.40000M 348.30M
Total cash from financing activities -460.20000M -411.30000M -340.60000M -293.90000M -235.40000M
Change to operating activities - - 2295.90M -12200.30000M -4673.10000M
Net income -97.10000M 545.00M 497.00M 488.10M 524.00M
Change in cash 1348.40M -6379.90000M 4767.60M -3534.10000M 5902.80M
Begin period cash flow 1937.90M 8317.80M 3550.20M 7084.30M 1181.50M
End period cash flow 3286.30M 1937.90M 8317.80M 3550.20M 7084.30M
Total cash from operating activities 1697.10M -7592.20000M 5705.70M -3249.90000M 6134.60M
Issuance of capital stock 0.30M 0.50M 0.60M 0.60M 103.50M
Depreciation - 111.80M 65.90M 62.50M 72.30M
Other cashflows from investing activities 70.00M -25.10000M -566.90000M 24.20M 23.30M
Dividends paid -356.20000M -351.00000M -290.70000M -213.70000M -105.30000M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -58.30000M -332.40000M 0.00000M -8.70000M -574.30000M
Other cashflows from financing activities -666.30000M -75.00000M -50.50000M 74.00M 590.70M
Change to netincome - - 115.50M -3.70000M -79.80000M
Capital expenditures 18.30M 27.20M 30.60M 14.50M 21.00M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -464.20000M 219.40M 8305.80M -1895.30000M 7565.00M
Stock based compensation - 24.70M 7.00M 4.50M 3.00M
Other non cash items 2161.30M -8273.70000M 5135.80M -3805.00000M 5535.30M
Free cash flow 1678.80M -5943.70000M 5675.10M -3264.40000M 6113.60M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (AUD) Price (AUD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
BEN
Bendigo and Adelaide Bank Ltd
0.01 0.10% 10.34 - 11.20 3.03 0.87 7.65
BENPH
Bendigo and Adelaide Bank Ltd
0.17 0.17% 101.72 106.22 - - -
BOQ
Bank of Queensland Ltd
-0.01 0.16% 6.24 41.73 9.99 2.46 0.69 11.36
BFL
BSP Financial Group Ltd
-0.07 0.83% 8.33 10.50 - 3.64 2.37 3.71
BOQPF
Bank of Queensland Ltd
0.18 0.18% 102.18 165.32 - - -

Reports Covered

Stock Research & News

Profile

Bendigo and Adelaide Bank Limited engages in the provision of banking and other financial services to retail customers and small to medium sized businesses in Australia. It operates through Consumer, Business and Agribusiness, and Corporate segments. The company offers transaction and savings account; term deposit; managed funds; share trading; margin lending; and private banking services. It also provides home and personal loans, as well as business loans, equipment finance, and foreign exchange; credit and debit cards; personal insurance; travel and holiday products; and financial advice services. In addition, the company offers EFTPOS and payment services, agribusiness solutions, and private banking; residential, business, rural and commercial lending; payments services, wealth management, margin lending, treasury, and foreign exchange services. It operates under the Bendigo Bank, Up, Leveraged, and Community Enterprise Foundation brands. The company was founded in 1858 and is headquartered in Bendigo, Australia.

Bendigo and Adelaide Bank Ltd

The Bendigo Centre, Bendigo, VIC, Australia, 3550

Key Executives

Name Title Year Born
Ms. Marnie A. Baker ASA, BBus (Acc), MAICD, SF FIN CEO, MD & Non Independent Director 1969
Mr. Andrew Robert Morgan Chief Financial Officer NA
Mr. Bruce Speirs BCom, CA, GAICD, MBA Chief Operating Officer NA
Ms. Alexandra Gartmann BSc (REM), MAICD Exec. of Rural Bank, Partnerships, Marketing & Corp. Affairs NA
Mr. Richard Fennell BEc, CA, MAICD Chief Customer Officer of Consumer Banking NA
Mr. Taso Corolis Chief Risk Officer NA
Mr. Ryan Brosnahan B.Com., M.Sc. Chief Transformation Officer NA
Karen McRae Head of Investor Relations NA
James Frost Head of PR NA
Ms. Louise Tebbutt Chief People Officer NA

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