Bendigo and Adelaide Bank Limited (ASX: BEN)

Bendigo and Adelaide Bank Income Statement

Financials in millions AUD. Fiscal year is July - June.

Year	2023	2022	2021	2020	2019
Revenue	3,642	1,990	2,113	2,535	1,539
Revenue Growth (YoY)	83.05%	-5.84%	-16.64%	64.68%	1.43%
Gross Profit	3,642	1,990	2,113	2,535	1,539
Selling, General & Admin	814.8	753.6	746	733.7	687.4
Other Operating Expenses	-362	-330.1	-346.9	-280.3	-218.9
Operating Expenses	362	330.1	346.9	280.3	987.2
Operating Income	680.5	662.9	616	391	576.1
Interest Income	3,407	1,745	1,868	2,274	1,286
Interest Expense	326.4	124.8	136	137.7	167.2
Other Expense / Income	3,036	1,582	1,594	2,242	1,143
Pretax Income	724.8	701.4	753.7	286.1	552
Income Tax	227.8	213.3	229.7	93.3	175.2
Net Income	497	488.1	524	192.8	376.8
Net Income Growth	1.82%	-6.85%	171.78%	-48.83%	-13.28%
Shares Outstanding (Basic)	565	558	534	506	489
Shares Outstanding (Diluted)	662	650	657	605	577
Shares Change	1.90%	-1.15%	8.55%	4.99%	2.06%
EPS (Basic)	0.88	0.88	0.98	0.38	0.77
EPS (Diluted)	0.79	0.78	0.83	0.35	0.65
EPS Growth	1.28%	-6.02%	137.14%	-46.15%	-15.58%
Free Cash Flow	496.4	450.5	-6,476.3	320.2	-843.7
Free Cash Flow Per Share	0.75	0.69	-9.86	0.53	-1.46
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	18.68%	33.32%	29.15%	15.43%	37.43%
Profit Margin	13.65%	24.53%	24.80%	7.61%	24.48%
Free Cash Flow Margin	13.63%	22.64%	-306.50%	12.63%	-54.81%
Effective Tax Rate	31.43%	30.41%	30.48%	32.61%	31.74%
EBITDA	44.3	38.5	137.7	-104.9	-24.1
EBITDA Margin	1.22%	1.94%	6.52%	-4.14%	-1.57%
Depreciation & Amortization	102.8	99.2	100.2	125.5	22.7
EBIT	-58.5	-60.7	37.5	-230.4	-46.8
EBIT Margin	-1.61%	-3.05%	1.77%	-9.09%	-3.04%

Sources: The data provider is Financial Modeling Prep and the numbers are sourced from SEC filings.