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Bendigo and Adelaide Bank Limited (BEN.AX)

AUD10.58 -0.04 (-0.38%)
AU ASX Financial Services Banks - Regional
Address The Bendigo Centre 3550
Bendigo, VIC, AU
CEO Richard Allan Fennell
Website bendigoadelaide.com.au
IPO 1993-02-28
ISIN AU000000BEN6

Explore sections of this company profile

Also trades on Australian Securities Exchange · BEN.AX (AUD) Other OTC · BXRBF (USD)
Description

Bendigo and Adelaide Bank Limited is an Australian financial institution delivering a comprehensive suite of banking and financial services to individual customers and small to medium-sized enterprises. The company's operations are divided into distinct segments: Consumer, Business and Agribusiness, and Corporate. Its extensive product portfolio includes personal and business banking solutions, financial advisory services, various lending options like commercial mortgages and unsecured loans, investment vehicles, insurance coverage, and superannuation. Additionally, the bank provides retail banking offerings, home financing for the mortgage broker and manager market, specialized rural banking services, wealth and funds management, commercial credit, and manages funeral bonds, estates, trusts, and acts as a corporate trustee or custodian. Tailored banking products are also available for agribusiness participants. Established in 1858 and headquartered in Bendigo, Australia, the bank operates a significant network of physical locations, comprising numerous Bendigo Bank, Community Bank, Delphi Bank, Alliance Bank, and private franchise branches, complemented by numerous rural banking points.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
AUD10.58 -0.04 (-0.38%)
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Volume Profile
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Liquidity & share structure
Average Volume
1M
Beta
0.77
Float Shares
563.73M
Free Float %
100.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.47% -0.67% -3.27% -3.45% +0.98% -1.71% -13.69% +17.90% -0.10% +0.88% +261.54%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
10.58
DCF (Unlevered) 40.60 +283.8%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 17% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 2 0
Hold 7 -1
Sell 3 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.79
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
C-
Overall Score
1 / 5
Low
DCF Score
1 / 5
Low
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
3 / 5
Medium
Operational MOAT
  • ✓
    Revenue growth
    +182.4% Q4'25: +4.1% (vs Q4'23)
  • ✗
    EPS growth
    -119.5% Q4'25: -20.0% (vs Q4'23)
  • —
    FCF margin
    — Q4'25: -129.5% (vs Q4'23)
  • —
    EBIT margin
    — Q4'25: +13.3% (vs Q4'23)
  • —
    ROIC
    — Q4'25: +6.9% (vs Q4'23)
  • ✓
    Share dilution
    -14.7% Q4'25: -4.3% (vs Q4'23)
  • —
    Debt / EBITDA
    — Q4'25: 6.38× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.77) × ERP
WACC = 34% × Ke + 66% × Kd (29.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 40.60 Current price: 10.58
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Jun 2010
actual 		Jun 2011
actual 		Jun 2012
actual 		Jun 2013
actual 		Jun 2014
actual 		Jun 2015
actual 		Jun 2016
actual 		Jun 2017
actual 		Jun 2018
actual 		Jun 2019
actual 		Jun 2020
actual 		Jun 2021
actual 		Jun 2022
actual 		Jun 2023
actual 		Jun 2024
actual 		Jun 2025
actual 		Jun 2026
11 Rev. Ana.
7 EPS Ana. 		Jun 2027
11 Rev. Ana.
8 EPS Ana. 		Jun 2028
11 Rev. Ana.
7 EPS Ana. 		Jun 2029
8 Rev. Ana.
2 EPS Ana.
Revenue
1.08B
est: 1.16B (-6.7%)
1.22B
est: 1.27B (-3.5%)
1.19B
est: 1.25B (-4.7%)
1.29B
est: 1.34B (-3.3%)
1.31B
est: 1.45B (-9.4%)
1.41B
est: 1.56B (-9.6%)
1.43B
est: 1.54B (-7.2%)
1.45B
est: 1.56B (-7.1%)
1.52B
est: 1.62B (-6.4%)
1.54B
est: 1.60B (-3.7%)
2.53B
est: 1.61B (+57.0%)
2.11B
est: 1.72B (+23.1%)
1.99B
est: 1.74B (+14.6%)
3.64B
est: 1.90B (+91.4%)
1.86B
est: 1.93B (-3.8%)
5.26B
est: 1.91B (+175.0%)
2.02B
1.91B – 2.04B
+5.7% YoY
2.10B
2.02B – 2.14B
+3.8% YoY
2.16B
2.16B – 2.17B
+3.2% YoY
2.12B
2.02B – 2.16B
-2.0% YoY
EBITDA
—
est: 104.51M (-100.0%)
—
est: 114.64M (-100.0%)
—
est: 113.39M (-100.0%)
—
est: 121.12M (-100.0%)
—
est: 130.94M (-100.0%)
—
est: 141.33M (-100.0%)
—
est: 139.55M (-100.0%)
—
est: 141.32M (-100.0%)
—
est: 146.71M (-100.0%)
—
est: 144.66M (-100.0%)
—
est: 146.02M (-100.0%)
327.80M
est: 1.25B (-73.7%)
316.50M
est: 1.25B (-74.8%)
—
est: 1.27B (-100.0%)
—
est: 1.26B (-100.0%)
726.10M
est: 1.27B (-42.7%)
182.78M
172.98M – 184.81M
-85.6% YoY
189.73M
182.75M – 193.99M
+3.8% YoY
195.75M
195.63M – 195.88M
+3.2% YoY
191.82M
183.18M – 195.06M
-2.0% YoY
EBIT
-56.60M
est: 143.11M (-139.6%)
-59.30M
est: 384.69M (-115.4%)
-62.20M
est: 419.90M (-114.8%)
-61.70M
est: 348.32M (-117.7%)
-55.70M
est: 525.92M (-110.6%)
-58.50M
est: 587.66M (-110.0%)
-56.70M
est: 586.20M (-109.7%)
-60.30M
est: 612.80M (-109.8%)
-56.60M
est: 652.18M (-108.7%)
-56.50M
est: 628.38M (-109.0%)
-125.50M
est: 547.69M (-122.9%)
227.60M
est: 291.81M (-22.0%)
217.30M
est: 293.60M (-26.0%)
-102.80M
est: 296.96M (-134.6%)
-111.80M
est: 294.02M (-138.0%)
605.60M
est: 92.18M (+556.9%)
98.53M
93.25M – 99.63M
+6.9% YoY
102.28M
98.51M – 104.57M
+3.8% YoY
105.52M
105.46M – 105.59M
+3.2% YoY
103.41M
98.75M – 105.15M
-2.0% YoY
Net Income
242.60M
est: 100.52M (+141.3%)
342.10M
est: 266.11M (+28.6%)
186.50M
est: 338.39M (-44.9%)
345.80M
est: 208.29M (+66.0%)
366.60M
est: 379.99M (-3.5%)
420.40M
est: 407.80M (+3.1%)
415.60M
est: 421.53M (-1.4%)
429.60M
est: 419.64M (+2.4%)
434.50M
est: 445.93M (-2.6%)
376.80M
est: 430.31M (-12.4%)
192.80M
est: 373.86M (-48.4%)
524.00M
est: 196.65M (+166.5%)
488.10M
est: 197.85M (+146.7%)
497.00M
est: 497.00M (+0.0%)
545.00M
est: 545.00M (+0.0%)
-97.10M
est: 483.87M (-120.1%)
482.00M
463.50M – 524.29M
-0.4% YoY
471.96M
406.85M – 539.50M
-2.1% YoY
533.49M
440.78M – 542.49M
+13.0% YoY
480.37M
452.24M – 490.91M
-10.0% YoY
SGA
213.00M
est: 904.93M (-76.5%)
216.30M
est: 860.31M (-74.9%)
121.50M
est: 817.84M (-85.1%)
118.40M
est: 947.22M (-87.5%)
65.10M
est: 929.43M (-93.0%)
66.00M
est: 983.08M (-93.3%)
621.80M
est: 948.37M (-34.4%)
624.60M
est: 956.92M (-34.7%)
638.20M
est: 1.02B (-37.3%)
687.40M
est: 999.26M (-31.2%)
90.10M
est: 1.03B (-91.3%)
88.20M
est: 1.38B (-93.6%)
55.20M
est: 1.38B (-96.0%)
89.20M
est: 1.40B (-93.6%)
855.60M
est: 1.39B (-38.3%)
107.30M
est: 1.40B (-92.3%)
231.98M
219.55M – 234.57M
-83.4% YoY
240.81M
231.95M – 246.21M
+3.8% YoY
248.45M
248.30M – 248.61M
+3.2% YoY
243.47M
232.50M – 247.57M
-2.0% YoY
EPS
0.67
est: 0.82 (-18.1%)
0.92
est: 0.87 (+5.3%)
0.49
est: 0.84 (-41.9%)
0.85
est: 0.81 (+5.4%)
0.88
est: 0.88 (+0.4%)
0.93
est: 0.92 (+1.3%)
0.90
est: 0.88 (+1.9%)
0.91
est: 0.84 (+8.7%)
0.77
est: 0.87 (-11.4%)
0.77
est: 0.79 (-2.7%)
0.38
est: 0.57 (-33.0%)
0.98
est: 0.76 (+28.4%)
0.88
est: 0.80 (+10.6%)
0.88
est: 0.94 (-6.1%)
0.96
est: 0.91 (+5.1%)
-0.17
est: 0.86 (-119.9%)
0.86
0.82 – 0.93
+0.2% YoY
0.84
0.72 – 0.95
-2.2% YoY
0.89
0.78 – 0.96
+5.8% YoY
0.85
0.80 – 0.87
-4.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-28 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-27 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-26 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-25 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-22 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-21 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-20 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-19 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-18 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-15 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-14 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-13 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-12 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-11 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-08 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-07 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-06 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-05 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-04 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-05-01 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-04-30 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-04-29 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-04-28 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-04-27 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-04-24 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-04-23 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-04-22 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-04-21 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-04-20 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-04-17 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-04-16 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5
2026-04-15 C- 1/5 1/5 1/5 1/5 1/5 1/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-7.05B
OE per share TTM
-11.07
Owner's Yield
-120.52%
Maintenance CapEx ratio
0.34%
Maint CapEx / Avg PPE
6.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
125.9K
Shares Outstanding
563.87M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Richard Fennell MAICD Chief Executive Officer, MD & Director 2M male
Andrew Robert Morgan Chief Financial Officer 995.0K male
Adam Rowse Chief Customer Officer 877.0K male
Kieran O'Meara Chief Technology Officer 797.0K male
Kerrie Noonan Chief Risk Officer 793.1K female
Bruce Speirs GAICD Chief Operating Officer 788.0K male
James Frost Head of Public Relations — —
Samantha Miller Head of Investor Relations & ESG — —
Sarah Bateson Chief Marketing Officer — female
Steven Blackburn Chief Compliance, Financial Crime & Regulatory Affairs Officer — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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