Bendigo and Adelaide Bank Limited (ASX: BEN) - Financials

- Current share price for BEN : $10.730

Bendigo and Adelaide Bank Limited (BEN) is an ASX-listed company and is held by a number of exchange traded funds (ETFs). It provides a range of banking and other financial services including consumer, residential, business and commercial lending, deposit taking, payments services, wealth management, funds management and superannuation, treasury and foreign exchange services.

BEN Per Share

Year to Jun	Sales	Cashflow	Earnings	Dividends	Franking	Book Value	Average Annual P/E	Relative P/E	Shareholder Return
2026	$3.33	150.8 ¢	69.8 ¢	63 ¢	100%	$11.70	16.4	88.9%	-12%
2025	$3.46	300 ¢	79.3 ¢	63 ¢	100%	$11.80	15.2	109.2%	16.3%
2024	$3.24	-947.7 ¢	71.3 ¢	63 ¢	100%	$12.40	13.5	97.5%	42.9%

BEN Historical Financials

	2026	2025	2024
Net Interest Income ($M)	1,732.8	1,647.9	1,636.1
Net Interest Margin (%)	1.7	1.7	1.7
Non-Interest Income ($M)	271.3	291.8	397.2
Cost to Income Ratio (%)	65.3	64.1	62.9
Bad & Doubtful Debts ($M)	-13.3	14.7	-9.9
Income Tax Rate (%)	32.4	192.2	31.6
Net Profit Before Abs ($M)	417.9	448.5	444.9
Net Profit After Abs ($M)	375.1	-97.1	545
Employees ($T)
Shareholders Equity ($M)	6,734.5	6,670.3	7,034
Total Assets ($M)	104,410.7	103,218.9	98,187.9
Interest-Earning Assets (%)	97.4	97.3	96.9
Return on Assets (%)	0.4	0.4	0.4
Return on Equity (%)	6.2	6.7	6.3
Payout Ratio (%)	90	79	88

BEN Cashflow

	2026	2025	2024
Interest Received ($M)	4,734	4,781	4,462
Net Operating Cashflow ($M)	902.2	1,697.1	-5,916.5
Net Investing Cashflow ($M)	57	112	-52
Net Financing Cashflow ($M)	-501	-460	-411

BEN Market & Earnings

	2026	2025	2024
Market Cap ($M)	6,089	7,127	6,495
Dividend Yield (%)	6.0	5.0	5.5
Total Operating Income ($M)	1,991	1,954	2,023
EBT Before Abs ($M)	609.8	650.9	697.1

BEN Balance Sheet

	2026	2025	2024
Short Term Money ($M)	1,452	906.7	1,596.6
Investment Securities ($M)	13,146	13,604	12,662
Due From Banks ($M)	123.5	167	282.9
Loans ($M)	87,020	85,708	80,568
Total Earning Assets ($M)	101,741	100,386	95,110
Customer Acceptance ($M)
Fixed Assets ($M)	178.2	133.5	141.8
Other Non Earning Assets ($M)	2,491	2,699	2,936
Total Non Earning Assets ($M)	2,670	2,833	3,078
Total Assets ($M)	104,411	103,219	98,188
Due to Banks ($M)	140.4	281.3	309.5
Bank Acceptance ($M)
Deposits ($M)	85,991	83,843	78,986
Provisions ($M)	238	161.7	111.9
Bonds ($M)	9,752	10,576	9,866
Other Liabilities ($M)	1,554	1,687	1,880
Total Liabilities ($M)	97,676	96,549	91,154
Net Assets ($M)	6,734	6,670	7,034

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