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Home CompaniesBendigo and Adelaide Bank Ltd

Bendigo and Adelaide Bank Ltd

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
10.83 AUD 0.16 ( 1.50%)
Last update at 2026-11-06T06:17:00Z
VOLUME
1523460
Market Cap
6158.19M
P/E
16.94

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
10.63
Low
10.84
High
52 Week Price Range
9.40
Low
12.18
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Bendigo and Adelaide Bank is an Australian retail and commercial bank serving households, small and medium enterprises and regional communities through branches, community franchisees and digital channels. Long-term growth may be supported by mortgage and SME lending, wealth and deposit expansion and cost efficiencies from digital investment, which could appeal to investors seeking diversified regional banking exposure.

Principal risks include exposure to Australian housing and regional economic cycles, margin pressure from competition and interest-rate moves, credit deterioration in a downturn and regulatory, operational or technology failures.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
10.67
Dividend Yield
5.92%
Revenue TTM
1950.80M
Revenue Per Share
3.43
Gross Profit TTM
1950.80M
Debt / Equity
1.57
ROE
5.60%
Net Debt
10211.60M
ROCE
1.05%
Diluted EPS TTM
0.63

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Income before tax 530.20M 105.30M 797.20M 724.80M 701.40M
Net income 375.10M -97.10M 545.00M 497.00M 488.10M
Selling general administrative - 84.00M 831.60M 47.30M 32.30M
Selling and marketing expenses - 23.30M 24.00M 28.30M 22.90M
Gross profit 1789.80M 1914.90M 1861.00M 1920.30M 1690.40M
Reconciled depreciation - 120.50M 111.80M 102.80M 99.20M
Ebit - 605.60M 797.20M 622.00M 602.20M
Ebitda 530.20M 726.10M 909.00M 724.80M 701.40M
Depreciation and amortization - 120.50M 111.80M 102.80M 99.20M
Operating income 530.20M 605.60M 904.50M 622.00M 602.20M
Other operating expenses 1272.90M 5150.60M 855.60M -1117.60M -982.90M
Interest expense - 3341.00M 3102.60M 1766.00M 332.30M
Tax provision - 202.40M 252.20M 261.10M 213.30M
Interest income - 4988.90M 4738.70M 1640.80M 1749.10M
Net interest income - 1647.90M 1636.10M 1640.80M 1416.80M
Income tax expense 155.10M 202.40M 252.20M 227.80M 213.30M
Total revenue 1803.10M 5255.90M 1861.00M 1920.30M 1690.40M
Total operating expenses 1259.60M 1809.60M 855.60M 1070.30M 1016.20M
Cost of revenue 13.30M 3341.00M -3112.50M - -
Total other income expense net - -500.30M -107.30M 724.80M 701.40M
Net income from continuing ops - -97.10M 545.00M 497.00M 488.10M
Net income applicable to common shares - -97.10M 545.00M 497.00M 488.10M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total assets - 103218.90M 98187.90M 98479.70M 95243.70M
Intangible assets - 442.10M 382.30M 314.40M 280.80M
Other current assets - - 2523.10M 261.60M 78942.10M
Total liab - 96548.60M 91153.90M 91629.00M 88531.80M
Total stockholder equity - 6670.30M 7034.00M 6850.70M 6711.90M
Deferred long term liab - - - 8.30M 4.70M
Other current liab - - 45018.90M -287.20M -31.30M
Common stock - - 5231.30M 5240.50M 5219.50M
Capital stock - 5203.40M 5231.30M 5240.50M 5219.50M
Retained earnings - 1328.20M 1762.00M 1567.30M 1386.50M
Other liab - - - 103.30M 614.60M
Good will - 988.00M 1527.50M 1527.50M 1527.50M
Other assets - - 0.00M 89787.70M 90098.00M
Cash - 1083.20M 1887.70M 8508.10M 3165.00M
Total current liabilities - - 47459.80M 287.20M 31.30M
Current deferred revenue - - -476.00M - -
Net debt - 10211.60M 9169.90M 4701.10M 10053.00M
Short term debt - - 2440.90M - -
Short long term debt total - - 11057.60M 13209.20M 13218.00M
Other stockholder equity - - - 42.90M 105.90M
Property plant equipment - - - 166.20M 179.60M
Total current assets - - 2523.10M 6683.90M 3157.80M
Long term investments - 9203.90M 10968.70M 7823.60M 10584.70M
Net tangible assets - - - 5008.80M 4903.60M
Short term investments - - -3484.30M -1824.20M -7.20M
Net receivables - - 477.90M 513.60M 304.00M
Long term debt - - - 13209.20M 13069.10M
Inventory - - 1118.70M - -
Accounts payable - 458.20M 476.00M 287.20M 31.30M
Accumulated other comprehensive income - - 40.70M - -
Non currrent assets other - - 93579.80M -2008.10M -1987.90M
Non current assets total - - 95664.80M 2008.10M 1987.90M
Long term debt total - - - 13209.20M 13218.00M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Investments - 111.50M -52.10M -597.50M 10.40M
Change to liabilities - - - -22.60M -6.40M
Total cashflows from investing activities - 111.50M -52.10M -597.50M 9.70M
Net borrowings -150.00M 0.00M 25.00M -50.50M -71.40M
Total cash from financing activities - -460.20M -411.30M -340.60M -293.90M
Change to operating activities - - - 2295.90M -12200.30M
Net income 375.10M -97.10M 545.00M 497.00M 488.10M
Change in cash 457.80M 1348.40M -6379.90M 4767.60M -3534.10M
Begin period cash flow 3286.30M 1937.90M 8317.80M 3550.20M 7084.30M
End period cash flow 3744.10M 3286.30M 1937.90M 8317.80M 3550.20M
Total cash from operating activities 902.20M 1697.10M -7592.20M 5705.70M -3249.90M
Issuance of capital stock 65.80M 0.30M 0.50M 0.60M 0.60M
Depreciation - - 111.80M 65.90M 62.50M
Other cashflows from investing activities - 70.00M -25.10M -566.90M 24.20M
Dividends paid -356.80M -356.20M -351.00M -290.70M -213.70M
Sale purchase of stock -21.20M -58.30M -332.40M 0.00M -8.70M
Other cashflows from financing activities - -666.30M -75.00M -50.50M 74.00M
Change to netincome - - - 115.50M -3.70M
Capital expenditures 29.40M 18.30M 27.20M 30.60M 14.50M
Change in working capital - -464.20M 219.40M 8305.80M -1895.30M
Stock based compensation - - 24.70M 7.00M 4.50M
Other non cash items - 2161.30M -8273.70M 5135.80M -3805.00M
Free cash flow 872.80M 1678.80M -5943.70M 5675.10M -3264.40M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
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		 0.16
1.50%		 10.83 16.94 12.17 3.16 0.91 7.05
BENPH
Bendigo and Adelaide Bank Ltd		 0.18
0.18%		 102.29 107.08 - - - -
BOQ
Bank of Queensland Ltd		 0.03
0.43%		 7.01 18.86 12.09 2.92 0.80 11.45
BOQPF
Bank of Queensland Ltd		 -0.01
0.01%		 100.80 166.53 - - - -
BFL
BSP Financial Group Ltd		 -0.10
1.27%		 7.80 8.88 - 3.15 2.21 3.15

Profile*

Bendigo and Adelaide Bank Ltd

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.

The Bendigo Centre, Bendigo, VIC, Australia, 3550

61 3 5445 0666

https://www.bendigoadelaide.com.au

4601

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

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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