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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Bendigo and Adelaide Bank is an Australian retail and commercial bank providing deposits, mortgages, SME lending, wealth and payment services through a regional branch and community banking network. Long-term growth drivers include mortgage and SME loan growth, expansion of wealth and insurance services and digital investment, which may support fee diversification and customer retention.
Key risks include credit losses from residential and SME exposures, margin sensitivity to interest-rate changes, competitive pressure from major banks and fintech, and regulatory or macroeconomic downturns in Australia.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| 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 |
| Net income | -97.10M | 545.00M | 497.00M | 488.10M | 524.00M |
| Selling general administrative | 107.30M | 108.50M | 89.20M | 55.20M | 88.20M |
| Reconciled depreciation | 120.50M | 111.80M | 102.80M | 99.20M | 100.20M |
| Interest expense | 3341.00M | 3102.60M | 1766.00M | 332.50M | 445.30M |
| Tax provision | 202.40M | 252.20M | 227.80M | 213.30M | 229.70M |
| Interest income | 4988.90M | 4738.70M | 3406.80M | 1745.30M | 1867.80M |
| Net interest income | 1647.90M | 1636.10M | 1640.80M | 1412.80M | 1422.50M |
| Total revenue | 1914.90M | 2016.60M | 1896.70M | 1673.10M | 1785.20M |
| Net income from continuing ops | -97.10M | 545.00M | 497.00M | 488.10M | 524.00M |
| 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 | 95239.60M | 86577.20M |
| Intangible assets | 442.10M | 382.30M | 314.40M | 280.80M | 194.40M |
| Total liab | 96548.60M | 91153.90M | 91629.00M | 88527.70M | 80223.70M |
| Total stockholder equity | 6670.30M | 7034.00M | 6850.70M | 6711.90M | 6353.50M |
| Capital stock | 5203.40M | 5231.30M | 5240.50M | 5219.50M | 5049.50M |
| Retained earnings | 1328.20M | 1762.00M | 1567.30M | 1386.50M | 1166.00M |
| Good will | 988.00M | 1527.50M | 1527.50M | 1527.50M | 1437.50M |
| Cash | 1083.20M | 1887.70M | 6691.40M | 3165.00M | 5528.60M |
| Net debt | 10211.60M | 8772.30M | 6517.80M | 9900.00M | 7090.90M |
| Long term investments | 9203.90M | 10968.70M | 7145.40M | 9907.00M | 3952.70M |
| Accounts payable | 458.20M | 476.00M | 287.20M | 31.30M | 51.10M |
| 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 | - | -52.10M | -596.10M | 9.70M | 3.60M |
| Net borrowings | 0.00M | - | - | - | - |
| Net income | -97.10M | 545.00M | 497.00M | 488.10M | 524.00M |
| Change in cash | 1348.40M | -6379.90M | 4767.60M | -3534.10M | 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 | -5916.50M | 5704.30M | -3249.90M | 6134.70M |
| Issuance of capital stock | 0.30M | 0.50M | 0.60M | 0.60M | 106.50M |
| Dividends paid | -356.20M | 351.00M | 290.70M | 213.70M | 105.30M |
| Sale purchase of stock | -58.30M | -332.40M | 0.00M | -8.70M | -577.50M |
| Capital expenditures | 18.30M | 27.20M | 30.60M | 14.50M | 21.00M |
| Free cash flow | 1678.80M | -5943.70M | 5673.70M | -3264.40M | 6113.70M |
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)
|
|---|---|---|---|---|---|---|
| BENPI Bendigo and Adelaide Bank Ltd |
- -% |
105.50 | - | - | - | - |
| BEN Bendigo and Adelaide Bank Ltd |
0.15 1.39% |
10.95 | 16.94 | 12.17 | 3.16 | 0.91 |
| BENPH Bendigo and Adelaide Bank Ltd |
0.27 0.27% |
102.47 | 107.08 | - | - | - |
| BOQ Bank of Queensland Ltd |
0.10 1.42% |
7.12 | 18.86 | 12.09 | 2.92 | 0.80 |
| BOQPF Bank of Queensland Ltd |
- -% |
101.00 | 166.53 | - | - | - |
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
4568
| Name | Title | Year Born |
|---|---|---|
| Mr. Richard Allan Fennell BEc, CA, MAICD | CEO, MD & Director | NA |
| Mr. Richard Allan Fennell BEc, CA, MAICD | CEO, MD & Director | NA |
| Mr. Andrew Robert Morgan B.Com., FCPA | Chief Financial Officer | NA |
| Mr. Bruce Speirs BCom, CA, GAICD, MBA | Chief Operating Officer | NA |
| Mr. Taso Corolis B Ec, BCom, Grad Dip | Chief Risk Officer | NA |
| Mr. Ryan Brosnahan B.Com., M.Sc. | Chief Transformation Officer | NA |
| Mr. Adam Rowse M.B.A. | Chief Customer Officer of Business & Agribusiness | NA |
| Samantha Miller | Head of Investor Relations & ESG | NA |
| James Frost | Head of Public Relations | 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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