Stock BENPH BENDIGO AND ADELAIDE BANK LIMITED
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Financials Bendigo and Adelaide Bank Limited Australian S.E.

Equities

BENPH

AU0000113839

Banks

End-of-day quote Australian S.E.
Other stock markets
 18:00:00 2024-06-20 EDT 		5-day change 1st Jan Change
105.7 AUD +0.23% Intraday chart for Bendigo and Adelaide Bank Limited +1.62% +1.77%
05-23 Transcript : Bendigo and Adelaide Bank Limited - Analyst/Investor Day
05-17 CLSA Upgrades Bendigo & Adelaide Bank to Accumulate From Reduce; Price Target is AU$11.20 MT

Valuation

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 5,692 3,721 5,722 5,107 4,861 6,415 - -
Enterprise Value (EV) 1 5,692 3,721 5,722 5,107 4,861 6,415 6,415 6,415
P/E ratio 16.6 x 19.9 x 12.7 x 11.7 x 10.8 x 12.2 x 12.5 x 12.4 x
Yield 6.04% 4.42% 4.77% 5.84% 7.1% 5.47% 5.59% 5.66%
Capitalization / Revenue 3.53 x 2.28 x 3.36 x 2.99 x 2.51 x 3.28 x 3.24 x 3.19 x
EV / Revenue 3.53 x 2.28 x 3.36 x 2.99 x 2.51 x 3.28 x 3.24 x 3.19 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.01 x 0.64 x 0.88 x 0.75 x 0.71 x 0.92 x 0.89 x 0.86 x
Nbr of stocks (in thousands) 491,575 530,779 545,501 563,097 565,888 566,179 - -
Reference price 2 11.58 7.010 10.49 9.070 8.590 11.33 11.33 11.33
Announcement Date 19-08-11 20-08-16 21-08-15 22-08-14 23-08-13 - - -
1AUD in Million2AUD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 1,614 1,630 1,702 1,710 1,933 1,953 1,978 2,013
EBITDA - - - - - - - -
EBIT 1 659.1 454.6 675.1 693.6 871.6 833 838.6 870.9
Operating Margin 40.85% 27.89% 39.65% 40.56% 45.1% 42.64% 42.39% 43.26%
Earnings before Tax (EBT) 1 552 286.1 753.7 701.4 724.8 838.9 784.9 771.9
Net income 1 376.8 192.8 524 488.1 497 576.3 554.8 561.8
Net margin 23.35% 11.83% 30.78% 28.55% 25.71% 29.5% 28.04% 27.9%
EPS 2 0.6970 0.3520 0.8260 0.7760 0.7920 0.9275 0.9071 0.9135
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.7000 0.3100 0.5000 0.5300 0.6100 0.6194 0.6336 0.6410
Announcement Date 19-08-11 20-08-16 21-08-15 22-08-14 23-08-13 - - -
1AUD in Million2AUD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: June 2020 S1 2020 S2 2021 S1 2021 S2 2022 S1 2022 S2 2023 S1 2023 S2 2024 S1 2024 S2 2025 S1 2025 S2
Net sales 1 821.8 808.1 849 853.5 873.4 836.5 958.2 981.5 956.8 986 984.4 980.9
EBITDA - - - - - - - - - - - -
EBIT 1 235.5 219.1 367.4 343.5 355.7 337.9 435 436.6 404.1 422 414.9 414.8
Operating Margin 28.66% 27.11% 43.27% 40.25% 40.73% 40.39% 45.4% 44.48% 42.23% 42.8% 42.15% 42.29%
Earnings before Tax (EBT) 1 212.3 73.8 - - 458.4 243 363.9 360.9 413.5 419 - -
Net income 1 145.8 47 243.9 280.1 321.3 166.8 249 248 282.3 297 285 271
Net margin 17.74% 5.82% 28.73% 32.82% 36.79% 19.94% 25.99% 25.27% 29.5% 30.12% 28.95% 27.63%
EPS 0.2710 0.0890 0.3800 0.4450 0.5080 0.2680 0.3960 0.3960 0.4490 - - -
Dividend per Share 2 0.3100 - 0.2350 0.2650 0.2650 0.2650 0.2900 0.3200 0.3000 0.3200 0.3150 0.3200
Announcement Date 20-02-16 20-08-16 21-02-14 21-08-15 22-02-13 22-08-14 23-02-19 23-08-13 24-02-18 - - -
1AUD in Million2AUD
Estimates

Balance Sheet Analysis

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 7.55% 5.36% 7.67% 7.72% 8.62% 8.05% 7.53% 7.39%
ROA (Net income/ Total Assets) 0.61% 0.42% 0.6% 0.59% 0.65% 0.66% 0.63% 0.62%
Assets 1 61,770 45,905 87,333 82,729 76,462 87,983 88,766 90,128
Book Value Per Share 2 11.50 10.90 11.90 12.00 12.10 12.40 12.80 13.20
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 19-08-11 20-08-16 21-08-15 22-08-14 23-08-13 - - -
1AUD in Million2AUD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Bendigo and Adelaide Bank Limited

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
14
Last Close Price
11.33 AUD
Average target price
10.47 AUD
Spread / Average Target
-7.60%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

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