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BEN.AX stock logo

BEN.AX

Bendigo and Adelaide Bank Limited

$10.61
0.07
 (0.66%)
Exchange:  ASX
Market Cap:  5.983B
Shares Outstanding:  534.374M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Richard Allan Fennell
Full Time Employees:  4812
Address: 
The Bendigo Centre
Bendigo
VIC
3550
AU
Website:  https://www.bendigoadelaide.com.au
Bendigo and Adelaide Bank Limited provides banking and financial products and services to retail customers and small to medium sized businesses in Australia. The company operates through Consumer, Business and Agribusiness, and Corporate segments. It offers a range of products and services, including personal and business banking, financial planning, commercial mortgages and unsecured loans, investment products, insurance, and superannuation. The company also provides retail banking products and services; home loans for the mortgage broker and mortgage manager market; rural bank products and services; wealth management services; investments and funds management services, commercial loans, access to funeral bonds, estates and trusts management services, and corporate trustee and custodial services; and banking products and services to agribusiness participants. It operates 139 Bendigo Bank, 314 Community Bank, 13 Delphi Bank, 16 Alliance Bank, and 4 private franchise branches, as well as 191 rural bank points. The company was founded in 1858 and is headquartered in Bendigo, Australia.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue3,642,0001,861,0005,255,900
Gross Profit3,642,0001,861,0001,914,900
EBITDA00726,100
Operating Income680,500904,500605,600
Net Income497,000545,000-97,100

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets98,479,70098,187,900103,218,900
Total Liabilities91,629,00091,153,90096,548,600
Total Stockholders Equity6,850,7007,034,0006,670,300
Total Debt13,515,30011,057,60011,371,400
Cash and Cash Equivalents6,683,9001,887,7001,083,200

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow527,000-7,592,2001,697,100
Capital Expenditure-30,600-27,200-18,300
Free Cash Flow496,400-5,943,7001,678,800
Net Income497,000545,0000
Net Change in Cash4,767,600-6,379,9001,348,400

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)2,036,029.013Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)2,172,717.632Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)2,133,165.727Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)184,204.263Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)196,570.800Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)192,992.447Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)451,930.003Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)491,943.932Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)480,365.121Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)233,795.534Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)249,491.375Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)244,949.663Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)0.850Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)0.870Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)0.800Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)8Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
0.92
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
-75.46
?Enterprise Value
 (TTM)
: 
13.009B  ?EV/FCF
 (TTM)
: 
-3.28
?Dividend Yield
 (TTM)
: 
0.06  ?Payout Ratio
 (TTM)
: 
-4.28
?ROE
 (TTM)
: 
-0.01  ?ROIC
 (TTM)
: 
-0.02
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
1.43
?P/B
 (TTM)
: 
0.95  ?Current Ratio
 (TTM)
: 
0.03

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
19.08Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate BEN Intrinsic Value

Common questions about BEN.AX valuation

Is Bendigo and Adelaide Bank Limited (BEN.AX) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Bendigo and Adelaide Bank Limited (BEN.AX) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is BEN.AX a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BEN.AX trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is BEN.AX’s P/E ratio?

You can see BEN.AX’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for BEN.AX?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is BEN.AX a good long-term investment?

Whether BEN.AX fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

BEN.AX

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.66
MARKETSnap

Trading Metrics:

Open: 10.67   Previous Close: 10.54
Day Low: 10.48   Day High: 10.67
Year Low: 9.81   Year High: 13.73
Price Avg 50: 10.58   Price Avg 200: 11.54
Volume: 858866   Average Volume: 1.927M

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