Bendigo and Adelaide Bank Limited (ASX:BEN)

Australia · Delayed Price · Currency is AUD

11.38

-0.20 (-1.73%)

Aug 7, 2026, 4:12 PM AEST

Bendigo and Adelaide Bank Financials Overview

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

Millions AUD. Fiscal year is Jul - Jun.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Revenue	1,916	1,915	1,861	1,842	1,684	1,650
Revenue Growth	0.02%	2.91%	1.01%	9.39%	2.10%	15.37%
Net Income	-83.3	-97.1	545	497	488.1	524
Earnings Per Share	-0.15	-0.17	0.87	0.79	0.78	0.83
EPS Growth	-	-	10.22%	2.03%	-6.12%	135.03%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Corporate	100	89.3	35.2	19.4	40.3	57.3
Business & Agribusiness	697.3	705	763.5	686.1	558.1	526.9
Consumer	1,193	1,167	1,146	1,194	1,125	1,100
Total	1,991	1,961	1,944	1,899	1,723	1,685

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Cash & Investments	2,796	4,621	2,470	8,696	4,027	9,005
Total Debt	9,544	11,670	11,071	13,533	13,428	13,521
Net Cash (Debt)	-6,748	-7,049	-8,601	-4,837	-9,401	-4,516
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-11.93	-12.46	-12.97	-7.31	-14.47	-6.87

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Operating Cash Flow	-2,613	-3,159	-7,592	2,977	-11,617	-4,038
Capital Expenditures	-14.7	-18.3	-27.2	-30.6	-14.5	-21
Free Cash Flow	-2,628	-3,178	-7,619	2,947	-11,631	-4,059
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Profit Margin	-4.35%	-5.07%	29.29%	26.98%	28.98%	31.76%
FCF Margin	-137.17%	-165.91%	-409.42%	159.94%	-690.57%	-246.06%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 7, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Dividend Per Share	0.630	0.630	0.630	0.610	0.530	0.500
Dividend Per Share Growth	0%	0%	3.28%	15.09%	6.00%	40.84%
Dividend Yield	5.44%	5.25%	6.11%	8.44%	7.38%	6.35%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 7, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
PE Ratio	-	-	11.94	9.78	10.46	10.92
Forward PE	13.33	14.65	12.95	9.32	11.12	14.04
P/FCF Ratio	-	-	-	1.65	-	-
PS Ratio	3.50	3.74	3.50	2.64	3.03	3.47