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Bendigo and Adelaide Bank Ltd

Bendigo and Adelaide Bank Ltd

BEN · AU · Financial Services / Banks - Regional

10.84AUD-0.11 (-1.00%)

Price History

Full chart

Market Stats

Previous Close10.95
Open10.90
Day Range10.75 – 10.93
52-Week Range9.40 – 12.52
Volume851.50K
Market Cap5.89B
P/E (TTM)16.19
Forward P/E11.26
EPS0.63
Dividend Yield6.47%
Beta0.77
50-Day Avg10.68
200-Day Avg10.65

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Richard Allan Fennell BEc, CA, MAICD
  • Employees4.60K
  • HeadquartersThe Bendigo Centre, Bendigo, VIC, Australia, 3550, Australia
  • Websitehttps://www.bendigoadelaide.com.au

Leadership

  • Mr. Richard Allan Fennell BEc, CA, MAICDCEO, MD & Director · b. 1969
  • Mr. Andrew Robert Morgan B.Com., FCPAChief Financial Officer
  • Mr. Bruce Speirs BCom, CA, GAICD, MBAChief Operating Officer
  • Mr. Kieran O'Meara B.Sc.Chief Technology Officer
  • Mr. Adam Rowse M.B.A.Chief Customer Officer of Bus & Agribus and Interim Chief Customer Officer, Consumer Banking
  • Ms. Kerrie Noonan B.Com.Chief Risk Officer
  • Ms. Samantha MillerGeneral Manager of Investor Relations & ESG
  • Mr. Steven J Blackburn B.A., J.D., L.L.B.Chief Compliance, Financial Crime & Regulatory Affairs Officer
  • James FrostHead of Public Relations
  • Ms. Sarah BatesonChief Marketing Officer

Financials

Income Statement

Currency: AUD1991-06-301992-06-301993-06-301994-06-301995-06-301996-06-301997-06-301998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue33.83M38.00M72.12M78.91M86.67M92.95M-76.52M112.67M137.21M-179.88M222.16M269.62M323.51M379.20M411.60M474.10M520.10M792.40M810.80M1.08B1.22B1.19B1.29B1.31B1.41B1.43B1.45B1.52B1.54B2.53B2.11B1.99B3.64B1.86B5.26B1.80B
Growth (%)-+12.33%+89.80%+9.42%+9.84%+7.24%-182.33%+247.24%+21.79%-231.09%+223.51%+21.36%+19.99%+17.21%+8.54%+15.18%+9.70%+52.36%+2.32%+32.88%+13.50%-2.29%+8.34%+1.34%+7.68%+1.28%+1.45%+4.55%+1.43%+64.68%-16.64%-5.84%+83.05%-48.90%+182.42%-65.69%
Cost of Revenue--------229.68M-274.22M--515.84M--1.33M1.50M6.70M2.60M-33.80M77.40M21.00M-19.50M13.40M-27.70M00000------3.11B3.34B13.30M
Gross Profit33.83M38.00M72.12M78.91M86.67M92.95M-110.75M112.67M137.21M174.75M222.16M269.62M323.51M379.20M426.90M473.20M520.10M737.50M810.80M1.08B1.21B1.18B1.32B1.31B1.41B1.43B1.45B1.52B1.54B2.53B2.11B1.99B3.64B1.86B1.91B1.79B
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%144.74%100.00%100.00%-97.15%100.00%100.00%100.00%100.00%103.72%99.81%100.00%93.07%100.00%100.00%98.99%98.88%102.14%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%36.43%99.26%
Operating Expense-43.30M-29.20M-3.14M7.03M-8.75M-31.09M-238.28M-26.41M-35.85M-42.48M-130.95M-49.73M-44.62M-94.60M-190.80M-284.90M-359.40M-1.63B-1.83B-1.11B-1.66B-1.64B-1.21B823.70M885.40M903.60M890.70M938.40M963.10M2.14B1.50B1.33B2.96B956.50M1.31B1.26B
Operating Income77.12M67.20M75.26M71.88M95.42M124.04M127.53M139.07M173.06M217.23M353.11M319.35M368.13M473.80M617.70M758.10M879.50M2.37B2.64B2.19B2.87B2.82B2.53B488.20M527.30M527.20M560.80M579.10M576.10M391.00M616.00M662.90M680.50M904.50M605.60M530.20M
Operating Margin228.00%176.85%104.35%91.09%110.10%133.45%-166.66%123.44%126.13%-120.77%158.94%118.44%113.79%124.95%150.07%159.90%169.10%298.54%325.48%203.36%234.38%235.75%195.74%37.21%37.33%36.85%38.64%38.16%37.43%15.43%29.15%33.32%18.68%48.60%11.52%29.40%
EBITDA79.01M69.23M78.04M75.61M100.14M129.14M132.52M143.88M177.19M217.23M363.10M333.33M383.46M491.30M637.00M763.70M897.90M2.39B2.69B2.25B2.93B2.88B2.60B-15.10M-14.20M79.70M67.50M55.40M-24.10M-104.90M327.80M316.50M827.60M909.00M726.10M530.20M
EBITDA Margin233.58%182.21%108.22%95.82%115.54%138.94%-173.19%127.71%129.13%-120.77%163.44%123.63%118.53%129.56%154.76%161.08%172.64%301.54%331.78%208.61%239.23%240.96%200.50%-1.15%-1.01%5.57%4.65%3.65%-1.57%-4.14%15.51%15.91%22.72%48.84%13.81%29.40%
Net Income4.21M5.95M5.97M9.25M8.96M12.73M11.04M14.19M19.70M21.31M33.28M48.78M59.00M79.80M94.70M116.70M121.80M198.30M83.80M242.60M342.10M186.50M345.80M366.60M420.40M415.60M429.60M434.50M376.80M192.80M524.00M488.10M497.00M545.00M-97.10M375.10M
Net Income Margin12.46%15.66%8.28%11.72%10.34%13.70%-14.43%12.60%14.36%-11.85%14.98%18.09%18.24%21.04%23.01%24.62%23.42%25.03%10.34%22.52%27.98%15.61%26.71%27.94%29.76%29.05%29.60%28.63%24.48%7.61%24.80%24.53%13.65%29.29%-1.85%20.80%
Interest Expense70.03M57.18M63.41M57.62M79.08M102.03M110.75M117.01M137.00M179.88M295.11M254.87M278.88M362.40M528.90M592.40M701.50M2.10B2.52B1.86B2.45B2.49B2.05B1.81B1.77B201.00M176.10M191.70M167.20M137.70M136.00M124.80M326.40M3.10B3.34B2.96B
Interest Expense % of Total Revenue207.03%150.49%87.93%73.02%91.24%109.77%-144.74%103.85%99.85%-100.00%132.83%94.53%86.20%95.57%128.50%124.95%134.88%264.78%310.77%172.42%200.41%208.46%158.07%137.97%125.12%14.05%12.13%12.63%10.86%5.43%6.44%6.27%8.96%166.72%63.57%164.12%

Balance Sheet

Currency: AUD1991-06-301992-06-301993-06-301994-06-301995-06-301996-06-301997-06-301998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets662.95M930.43M1.27B1.37B1.55B1.89B2.63B3.17B4.20B4.91B6.98B7.97B9.26B11.28B13.26B15.20B17.00B48.11B47.11B52.12B54.93B57.24B60.28B65.06B66.03B68.57B71.42B71.44B72.44B76.01B86.58B95.24B98.48B98.19B103.22B104.41B
Total Liabilities607.03M849.92M1.16B1.25B1.43B1.75B2.49B3.02B3.96B4.62B6.56B7.47B8.70B10.61B12.51B14.30B15.99B44.84B44.00B48.24B50.97B53.02B55.85B60.10B61.09B63.46B65.99B65.82B66.80B70.22B80.22B88.53B91.63B91.15B96.55B97.68B
Total Equity55.92M80.51M112.46M116.73M127.16M144.58M139.05M149.69M243.09M288.36M422.80M494.50M552.51M676.60M749.50M900.10M1.02B3.27B3.12B3.73B3.96B4.22B4.43B4.97B4.94B5.12B5.43B5.62B5.63B5.80B6.35B6.71B6.85B7.03B6.67B6.73B
Cash1.24M19.00M20.94M27.12M27.05M23.11M76.54M36.70M98.50M210.75M329.40M354.61M288.45M315.10M324.10M479.80M329.10M1.61B1.15B1.04B670.60M561.00M677.70M958.60M1.20B1.28B1.27B1.32B1.14B1.23B5.52B3.16B6.68B1.89B1.08B1.59B
Total Debt50.82M115.04M14.85M20.26M41.94M15.26M114.22M106.64M82.96M78.12M135.39M161.38M204.66M199.30M262.10M307.10M307.20M12.13B10.66B9.67B9.05B6.94B7.02B6.17B11.45B8.46B9.56B8.68B5.86B5.88B13.48B15.19B17.47B11.06B11.37B10.11B
Net Debt49.58M96.05M-6.09M-6.86M14.89M-7.86M37.69M69.94M-15.54M-132.63M-194.01M-193.23M-83.78M-115.80M-62.00M-172.70M-21.90M10.52B9.51B8.63B8.38B6.38B6.35B5.21B5.14B4.24B4.55B4.17B4.31B4.20B7.95B10.23B6.83B-1.89B10.29B8.53B

Cash Flow

Currency: AUD1991-06-301992-06-301993-06-301994-06-301995-06-301996-06-301997-06-301998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow6.10M7.99M7.31M12.98M11.32M18.69M9.62M55.82M-6.25M53.21M43.52M33.04M128.43M85.40M65.30M171.20M97.80M157.90M127.20M353.00M488.20M199.90M257.60M395.40M1.52B-3.29B-1.72B116.20M-831.10M323.50M6.13B-3.25B5.71B-7.59B1.70B902.20M
Investing Cash Flow35.54M-62.55M7.62M-198.44M-105.79M-270.81M-158.48M-598.97M-534.21M-608.99M-325.91M-920.21M-1.38B-1.98B-1.92B-1.21B-1.84B1.95B371.70M-1.00B-3.31B-1.01B-2.97B-4.34B-1.70B-27.30M-18.30M-29.10M-36.60M-39.50M3.60M9.70M-597.50M-52.10M111.50M56.90M
Financing Cash Flow-35.19M75.64M-19.74M195.98M121.68M216.75M204.55M516.31M607.89M548.97M390.30M806.63M1.27B1.92B1.85B1.05B1.57B-914.30M-886.10M540.90M2.43B584.90M2.78B4.25B580.10M3.30B1.69B34.80M721.80M-23.10M-235.40M-293.90M-340.60M-411.30M-460.20M-501.30M
Capital Expenditure30.00K3.86M2.65M7.07M5.07M9.39M6.31M3.48M5.53M9.78M9.83M16.75M16.46M20.90M23.40M53.60M119.40M86.10M56.90M17.80M19.50M27.50M13.00M53.30M26.30M14.50M11.60M15.40M12.60M35.80M21.00M14.50M30.60M27.20M18.30M29.40M
Free Cash Flow6.07M4.12M4.66M5.92M6.25M9.30M3.31M52.34M-11.78M43.43M33.69M16.29M111.97M64.50M41.90M117.60M-21.60M71.80M70.30M335.20M468.70M172.40M244.60M342.10M1.50B-3.30B-1.73B100.80M-843.70M287.70M6.11B-3.26B5.68B-5.94B1.68B872.80M
Dividends Paid2.48M2.87M4.58M5.53M4.35M4.68M5.96M5.41M7.04M10.85M39.13M20.84M23.36M28.70M36.50M48.10M57.00M94.90M142.20M99.50M177.40M149.70M166.10M211.50M247.80M237.80M217.20M251.80M288.70M277.40M105.30M213.70M290.70M351.00M356.20M356.80M
FCF to OCF99.51%51.63%63.76%45.57%55.24%49.78%34.37%93.76%188.44%81.62%77.41%49.30%87.18%75.53%64.17%68.69%-22.09%45.47%55.27%94.96%96.01%86.24%94.95%86.52%98.27%100.44%100.67%86.75%101.52%88.93%99.66%100.45%99.46%78.29%98.92%96.74%
Dividend Paid to FCF40.89%69.49%98.28%93.42%69.61%50.30%180.07%10.33%-59.74%24.97%116.15%127.97%20.86%44.50%87.11%40.90%-263.89%132.17%202.28%29.68%37.85%86.83%67.91%61.82%16.56%-7.21%-12.54%249.80%-34.22%96.42%1.72%-6.55%5.12%-5.91%21.22%40.88%

Earnings

Report DateFeb 17, 2014Aug 11, 2014Feb 16, 2015Aug 10, 2015Feb 15, 2016Aug 8, 2016Feb 13, 2017Aug 14, 2017Feb 12, 2018Aug 13, 2018Feb 11, 2019Aug 12, 2019Feb 10, 2020Aug 17, 2020Feb 15, 2021Aug 16, 2021Feb 14, 2022Aug 15, 2022Feb 20, 2023Feb 16, 2025May 23, 2025Aug 25, 2025Nov 10, 2025Feb 15, 2027
EPS Estimate0.390.440.410.470.470.420.540.420.420.430.450.380.420.190.380.400.280.380.400.430.000.410.00-
EPS Actual0.000.000.000.000.410.400.400.420.440.380.380.320.270.090.380.440.510.270.400.370.00-0.580.00-
Surprise-100.00%-100.00%-100.00%-100.00%-12.02%-5.59%-26.31%-0.87%4.27%-11.83%-15.80%-15.79%-35.71%-52.08%0.00%9.10%79.58%-28.82%1.19%-14.35%--242.51%--
Timing------------------Pre-market--Pre-market-Pre-market

Key Statistics & Ratios

Market Cap5.89B
Enterprise Value12.68B
Trailing P/E16.19
Forward P/E11.26
PEG Ratio1.79
Price / Sales3.02
Price / Book0.88
EPS0.63
Book Value11.67
Revenue (TTM)1.95B
Gross Profit (TTM)1.95B
Profit Margin19.23%
Operating Margin25.13%
Return on Equity5.60%
Return on Assets0.36%
Shares Outstanding577.15M
Shares Float575.23M
Beta0.77
Dividend Yield6.47%
Dividend Rate0.66
Payout Ratio100.48%

Ownership Breakdown

Institutions
26.41%
Insiders
0.49%
Retail / Other
73.10%

Top Fund Holders

  • Vanguard International Stock Index-Total Intl Stock Indx
    7.69M1.45%
  • Vanguard Tax Managed Fund-Vanguard Developed Markets Index Fund
    3.41M0.64%
  • iShares International Select Dividend ETF
    3.29M0.62%
  • DFA International Small Cap Value Portfolio
    2.55M0.48%
  • iShares Core MSCI EAFE ETF
    2.27M0.43%
  • iShares MSCI EAFE Small Cap ETF
    2.27M0.43%
  • DFA Asia Pacific Small Company Series
    1.97M0.37%
  • DFA International Core Equity Portfolio
    1.82M0.34%
  • JP Morgan ETF Tr-BetaBuilders Developed Asia ex-Japan ETF
    983.07K0.19%
  • Vanguard Intl Equity Index Fds-FTSE All World ex U.S. Index Fund
    938.08K0.18%

Dividends

20262×
0.33Sep 1, 20260.30Feb 20, 2026
20252×
0.33Sep 2, 20250.30Feb 26, 2025
20242×
0.33Sep 2, 20240.30Feb 22, 2024
20232×
0.32Sep 4, 20230.29Mar 6, 2023
20222×
0.27Sep 5, 20220.27Mar 7, 2022
20212×
0.27Sep 3, 20210.28Feb 18, 2021
20201×
0.31Mar 6, 2020
20192×
0.35Sep 2, 20190.35Mar 1, 2019
20182×
0.35Sep 3, 20180.35Mar 1, 2018
20172×
0.34Sep 5, 20170.34Mar 2, 2017
20162×
0.34Sep 6, 20160.34Mar 1, 2016
20152×
0.33Aug 18, 20150.33Feb 24, 2015
20141×
0.33Aug 19, 2014

Stock Splits

  • Aug 12, 20091.0117:1
  • Oct 29, 19981.0322:1