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Bendigo And Adelaide Bank Ltd
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Let's analyse Bendigo And Adelaide Bank Ltd together

PenkeI guess you are interested in Bendigo And Adelaide Bank Ltd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Bendigo And Adelaide Bank Ltd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Bendigo And Adelaide Bank Ltd (30 sec.)










What can you expect buying and holding a share of Bendigo And Adelaide Bank Ltd? (30 sec.)

How much money do you get?

How much money do you get?
A$1.13
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
A$10.35
Expected worth in 1 year
A$10.42
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
A$1.82
Return On Investment
18.5%

For what price can you sell your share?

Current Price per Share
A$9.84
Expected price per share
A$9.1690633017876 - A$10.38
How sure are you?
50%

1. Valuation of Bendigo And Adelaide Bank Ltd (5 min.)




Live pricePrice per Share (EOD)

A$9.84

Intrinsic Value Per Share

A$40.96 - A$157.57

Total Value Per Share

A$51.31 - A$167.92

2. Growth of Bendigo And Adelaide Bank Ltd (5 min.)




Is Bendigo And Adelaide Bank Ltd growing?

Current yearPrevious yearGrowGrow %
How rich?$4.4b$4.3b$89.5m2.0%

How much money is Bendigo And Adelaide Bank Ltd making?

Current yearPrevious yearGrowGrow %
Making money$320.6m$314.9m$5.7m1.8%
Net Profit Margin13.6%24.5%--

How much money comes from the company's main activities?

3. Financial Health of Bendigo And Adelaide Bank Ltd (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Bendigo And Adelaide Bank Ltd? (5 min.)

Welcome investor! Bendigo And Adelaide Bank Ltd's management wants to use your money to grow the business. In return you get a share of Bendigo And Adelaide Bank Ltd.

What can you expect buying and holding a share of Bendigo And Adelaide Bank Ltd?

First you should know what it really means to hold a share of Bendigo And Adelaide Bank Ltd. And how you can make/lose money.

Speculation

The Price per Share of Bendigo And Adelaide Bank Ltd is A$9.84. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Bendigo And Adelaide Bank Ltd.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Bendigo And Adelaide Bank Ltd, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is A$10.35. Based on the TTM, the Book Value Change Per Share is A$0.02 per quarter. Based on the YOY, the Book Value Change Per Share is A$0.66 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is A$0.44 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Bendigo And Adelaide Bank Ltd.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 A$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per Share
Usd Eps0.484.9%0.484.9%0.484.9%0.424.3%0.454.5%
Usd Book Value Change Per Share0.010.1%0.010.1%0.434.4%0.050.6%0.161.7%
Usd Dividend Per Share0.282.9%0.282.9%0.212.2%0.242.5%0.252.6%
Usd Total Gains Per Share0.293.0%0.293.0%0.646.5%0.303.0%0.424.2%
Usd Price Per Share5.54-5.54-5.85-6.03-6.63-
Price to Earnings Ratio11.44-11.44-12.07-15.28-15.36-
Price-to-Total Gains Ratio18.84-18.84-9.13-25.97-21.01-
Price to Book Ratio0.83-0.83-0.88-0.94-1.08-
Price-to-Total Gains Ratio18.84-18.84-9.13-25.97-21.01-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share6.348768
Number of shares157
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.280.24
Usd Book Value Change Per Share0.010.05
Usd Total Gains Per Share0.290.30
Gains per Quarter (157 shares)46.1746.78
Gains per Year (157 shares)184.70187.13
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1178717515334177
23561436030668364
353420545459103551
471227730612137738
589034915765171925
610684111009182051112
7124647128510702391299
8142354147012232741486
9160161165513763081673
10177968184015293421860

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%33.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%3.02.00.060.0%7.03.00.070.0%28.05.00.084.8%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%33.00.00.0100.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%32.01.00.097.0%

Fundamentals of Bendigo And Adelaide Bank Ltd

About Bendigo And Adelaide Bank Ltd

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 under the Bendigo Bank, AdelaideBank, Rural Bank, Community Bank, Up, Leveraged, Sandhurst Trustees, Community Enterprise Foundation, Homesafe Solutions, and Allance Bank brands. The company was founded in 1858 and is headquartered in Bendigo, Australia.

Fundamental data was last updated by Penke on 2024-04-13 07:13:05.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very inefficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Bendigo And Adelaide Bank Ltd.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Bendigo And Adelaide Bank Ltd earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Bendigo And Adelaide Bank Ltd to the Banks - Regional industry mean.
  • A Net Profit Margin of 13.6% means that $0.14 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Bendigo And Adelaide Bank Ltd:

  • The MRQ is 13.6%. The company is making a huge profit. +2
  • The TTM is 13.6%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ13.6%TTM13.6%0.0%
TTM13.6%YOY24.5%-10.9%
TTM13.6%5Y19.0%-5.4%
5Y19.0%10Y23.1%-4.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ13.6%18.4%-4.8%
TTM13.6%28.0%-14.4%
YOY24.5%25.2%-0.7%
5Y19.0%22.8%-3.8%
10Y23.1%19.8%+3.3%
1.1.2. Return on Assets

Shows how efficient Bendigo And Adelaide Bank Ltd is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Bendigo And Adelaide Bank Ltd to the Banks - Regional industry mean.
  • 0.5% Return on Assets means that Bendigo And Adelaide Bank Ltd generated $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Bendigo And Adelaide Bank Ltd:

  • The MRQ is 0.5%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.5%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.5%TTM0.5%0.0%
TTM0.5%YOY0.5%0.0%
TTM0.5%5Y0.5%+0.0%
5Y0.5%10Y0.5%-0.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.5%0.1%+0.4%
TTM0.5%0.2%+0.3%
YOY0.5%0.2%+0.3%
5Y0.5%0.2%+0.3%
10Y0.5%0.2%+0.3%
1.1.3. Return on Equity

Shows how efficient Bendigo And Adelaide Bank Ltd is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Bendigo And Adelaide Bank Ltd to the Banks - Regional industry mean.
  • 7.3% Return on Equity means Bendigo And Adelaide Bank Ltd generated $0.07 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Bendigo And Adelaide Bank Ltd:

  • The MRQ is 7.3%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 7.3%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ7.3%TTM7.3%0.0%
TTM7.3%YOY7.3%0.0%
TTM7.3%5Y6.6%+0.7%
5Y6.6%10Y7.3%-0.7%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ7.3%1.4%+5.9%
TTM7.3%2.5%+4.8%
YOY7.3%2.7%+4.6%
5Y6.6%2.5%+4.1%
10Y7.3%2.8%+4.5%

1.2. Operating Efficiency of Bendigo And Adelaide Bank Ltd.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Bendigo And Adelaide Bank Ltd is operating .

  • Measures how much profit Bendigo And Adelaide Bank Ltd makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Bendigo And Adelaide Bank Ltd to the Banks - Regional industry mean.
  • An Operating Margin of -1.6% means the company generated $-0.02  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Bendigo And Adelaide Bank Ltd:

  • The MRQ is -1.6%. The company is operating very inefficient. -2
  • The TTM is -1.6%. The company is operating very inefficient. -2
Trends
Current periodCompared to+/- 
MRQ-1.6%TTM-1.6%0.0%
TTM-1.6%YOY-3.1%+1.4%
TTM-1.6%5Y5.2%-6.8%
5Y5.2%10Y15.0%-9.7%
1.2.2. Operating Ratio

Measures how efficient Bendigo And Adelaide Bank Ltd is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.10 means that the operating costs are $0.10 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Bendigo And Adelaide Bank Ltd:

  • The MRQ is 0.099. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.099. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.099TTM0.0990.000
TTM0.099YOY0.166-0.067
TTM0.0995Y0.214-0.114
5Y0.21410Y0.390-0.177

1.3. Liquidity of Bendigo And Adelaide Bank Ltd.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Bendigo And Adelaide Bank Ltd is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.19 means the company has $0.19 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Bendigo And Adelaide Bank Ltd:

  • The MRQ is 0.188. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.188. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.188TTM0.1880.000
TTM0.188YOY0.079+0.109
TTM0.1885Y3.087-2.899
5Y3.08710Y3.734-0.647
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM0.1880.124+0.064
YOY0.0790.225-0.146
5Y3.0870.219+2.868
10Y3.7340.131+3.603
1.3.2. Quick Ratio

Measures if Bendigo And Adelaide Bank Ltd is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Bendigo And Adelaide Bank Ltd to the Banks - Regional industry mean.
  • A Quick Ratio of 0.11 means the company can pay off $0.11 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Bendigo And Adelaide Bank Ltd:

  • The MRQ is 0.113. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.113. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.113TTM0.1130.000
TTM0.113YOY0.070+0.043
TTM0.1135Y3.037-2.924
5Y3.03710Y1.633+1.404

1.4. Solvency of Bendigo And Adelaide Bank Ltd.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Bendigo And Adelaide Bank Ltd assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Bendigo And Adelaide Bank Ltd to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.93 means that Bendigo And Adelaide Bank Ltd assets are financed with 93.0% credit (debt) and the remaining percentage (100% - 93.0%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Bendigo And Adelaide Bank Ltd:

  • The MRQ is 0.930. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.930. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.930TTM0.9300.000
TTM0.930YOY0.930+0.001
TTM0.9305Y0.927+0.004
5Y0.92710Y0.925+0.001
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9300.915+0.015
TTM0.9300.917+0.013
YOY0.9300.919+0.011
5Y0.9270.919+0.008
10Y0.9250.927-0.002
1.4.2. Debt to Equity Ratio

Measures if Bendigo And Adelaide Bank Ltd is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Bendigo And Adelaide Bank Ltd to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,337.5% means that company has $13.38 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Bendigo And Adelaide Bank Ltd:

  • The MRQ is 13.375. The company is unable to pay all its debts with equity. -1
  • The TTM is 13.375. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ13.375TTM13.3750.000
TTM13.375YOY13.190+0.185
TTM13.3755Y12.638+0.738
5Y12.63810Y12.391+0.247
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ13.37510.829+2.546
TTM13.37511.013+2.362
YOY13.19011.363+1.827
5Y12.63811.437+1.201
10Y12.39113.038-0.647

2. Market Valuation of Bendigo And Adelaide Bank Ltd

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Bendigo And Adelaide Bank Ltd generates.

  • Above 15 is considered overpriced but always compare Bendigo And Adelaide Bank Ltd to the Banks - Regional industry mean.
  • A PE ratio of 11.44 means the investor is paying $11.44 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Bendigo And Adelaide Bank Ltd:

  • The EOD is 13.106. Based on the earnings, the company is underpriced. +1
  • The MRQ is 11.441. Based on the earnings, the company is underpriced. +1
  • The TTM is 11.441. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD13.106MRQ11.441+1.665
MRQ11.441TTM11.4410.000
TTM11.441YOY12.071-0.630
TTM11.4415Y15.280-3.839
5Y15.28010Y15.356-0.076
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD13.1067.498+5.608
MRQ11.4416.680+4.761
TTM11.4415.295+6.146
YOY12.0716.943+5.128
5Y15.2809.770+5.510
10Y15.3569.943+5.413
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Bendigo And Adelaide Bank Ltd:

  • The EOD is 1.148. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 1.002. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 1.002. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.148MRQ1.002+0.146
MRQ1.002TTM1.0020.000
TTM1.002YOY-1.805+2.807
TTM1.0025Y10.062-9.060
5Y10.06210Y26.080-16.018
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.148-2.096+3.244
MRQ1.002-1.868+2.870
TTM1.002-0.342+1.344
YOY-1.8056.448-8.253
5Y10.0620.429+9.633
10Y26.0800.091+25.989
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Bendigo And Adelaide Bank Ltd is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.83 means the investor is paying $0.83 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Bendigo And Adelaide Bank Ltd:

  • The EOD is 0.951. Based on the equity, the company is cheap. +2
  • The MRQ is 0.830. Based on the equity, the company is cheap. +2
  • The TTM is 0.830. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.951MRQ0.830+0.121
MRQ0.830TTM0.8300.000
TTM0.830YOY0.878-0.048
TTM0.8305Y0.942-0.112
5Y0.94210Y1.081-0.139
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.9510.433+0.518
MRQ0.8300.386+0.444
TTM0.8300.470+0.360
YOY0.8780.642+0.236
5Y0.9420.795+0.147
10Y1.0811.025+0.056
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Bendigo And Adelaide Bank Ltd.

3.1. Funds holding Bendigo And Adelaide Bank Ltd

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2020-10-31Vanguard International Stock Index-Total Intl Stock Indx1.45000005-7686727--
2020-12-31Vanguard Tax Managed Fund-Vanguard Developed Markets Index Fund0.64-3405236--
2021-02-28iShares International Select Dividend ETF0.62-3287938--
2021-01-31DFA International Small Cap Value Portfolio0.47999998-2549468--
2021-02-28iShares Core MSCI EAFE ETF0.43-2269707--
2021-02-28iShares MSCI EAFE Small Cap ETF0.43-2269619--
2021-01-31DFA Asia Pacific Small Company Series0.37-1970481--
2021-01-31DFA International Core Equity Portfolio0.34-1824383--
2021-02-28JP Morgan ETF Tr-BetaBuilders Developed Asia ex-Japan ETF0.19-983066--
2020-10-31Vanguard Intl Equity Index Fds-FTSE All World ex U.S. Index Fund0.18000001-938075--
Total 5.1300000402718470000.0%

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Bendigo And Adelaide Bank Ltd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.0170.0170%0.664-97%0.084-80%0.252-93%
Book Value Per Share--10.34910.3490%10.332+0%9.939+4%9.576+8%
Current Ratio--0.1880.1880%0.079+138%3.087-94%3.734-95%
Debt To Asset Ratio--0.9300.9300%0.930+0%0.927+0%0.925+1%
Debt To Equity Ratio--13.37513.3750%13.190+1%12.638+6%12.391+8%
Dividend Per Share--0.4390.4390%0.329+33%0.377+16%0.395+11%
Eps--0.7510.7510%0.7510%0.654+15%0.692+8%
Free Cash Flow Per Share--8.5738.5730%-5.025+159%2.731+214%1.627+427%
Free Cash Flow To Equity Per Share--8.0598.0590%-5.478+168%2.349+243%2.146+275%
Gross Profit Margin--0.9430.9430%0.953-1%0.920+3%0.923+2%
Intrinsic Value_10Y_max--157.574--------
Intrinsic Value_10Y_min--40.959--------
Intrinsic Value_1Y_max--6.780--------
Intrinsic Value_1Y_min--2.274--------
Intrinsic Value_3Y_max--27.237--------
Intrinsic Value_3Y_min--8.459--------
Intrinsic Value_5Y_max--55.973--------
Intrinsic Value_5Y_min--16.378--------
Market Cap5571083043.840-2%5686292157.6905686292157.6900%5891888162.740-3%5878507368.740-3%6108656416.018-7%
Net Profit Margin--0.1360.1360%0.245-44%0.190-28%0.231-41%
Operating Margin---0.016-0.0160%-0.031+90%0.052-131%0.150-111%
Operating Ratio--0.0990.0990%0.166-40%0.214-53%0.390-75%
Pb Ratio0.951+13%0.8300.8300%0.878-5%0.942-12%1.081-23%
Pe Ratio13.106+13%11.44111.4410%12.071-5%15.280-25%15.356-25%
Price Per Share9.840+13%8.5908.5900%9.070-5%9.348-8%10.272-16%
Price To Free Cash Flow Ratio1.148+13%1.0021.0020%-1.805+280%10.062-90%26.080-96%
Price To Total Gains Ratio21.587+13%18.84518.8450%9.135+106%25.972-27%21.012-10%
Quick Ratio--0.1130.1130%0.070+61%3.037-96%1.633-93%
Return On Assets--0.0050.0050%0.005-2%0.005+5%0.005-7%
Return On Equity--0.0730.0730%0.0730%0.066+11%0.0730%
Total Gains Per Share--0.4560.4560%0.993-54%0.462-1%0.646-29%
Usd Book Value--4420071640.0004420071640.0000%4330517880.000+2%4044874936.000+9%3705009384.000+19%
Usd Book Value Change Per Share--0.0110.0110%0.428-97%0.054-80%0.162-93%
Usd Book Value Per Share--6.6776.6770%6.666+0%6.413+4%6.178+8%
Usd Dividend Per Share--0.2830.2830%0.212+33%0.244+16%0.255+11%
Usd Eps--0.4840.4840%0.4850%0.422+15%0.447+8%
Usd Free Cash Flow--3661574520.0003661574520.0000%-2106190880.000+158%1161553560.000+215%676208312.000+441%
Usd Free Cash Flow Per Share--5.5315.5310%-3.242+159%1.762+214%1.050+427%
Usd Free Cash Flow To Equity Per Share--5.1995.1990%-3.534+168%1.516+243%1.385+275%
Usd Market Cap3594462779.886-2%3668795700.1423668795700.1420%3801446242.600-3%3792812954.311-3%3941305119.615-7%
Usd Price Per Share6.349+13%5.5425.5420%5.852-5%6.031-8%6.627-16%
Usd Profit--320664400.000320664400.0000%314922120.000+2%268235448.000+20%268054792.000+20%
Usd Revenue--2349818400.0002349818400.0000%1283689920.000+83%1524710832.000+54%1253662312.000+87%
Usd Total Gains Per Share--0.2940.2940%0.641-54%0.298-1%0.417-29%
 EOD+2 -6MRQTTM+0 -0YOY+20 -165Y+22 -1410Y+20 -16

4.2. Fundamental Score

Let's check the fundamental score of Bendigo And Adelaide Bank Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1513.106
Price to Book Ratio (EOD)Between0-10.951
Net Profit Margin (MRQ)Greater than00.136
Operating Margin (MRQ)Greater than0-0.016
Quick Ratio (MRQ)Greater than10.113
Current Ratio (MRQ)Greater than10.188
Debt to Asset Ratio (MRQ)Less than10.930
Debt to Equity Ratio (MRQ)Less than113.375
Return on Equity (MRQ)Greater than0.150.073
Return on Assets (MRQ)Greater than0.050.005
Total4/10 (40.0%)

4.3. Technical Score

Let's check the technical score of Bendigo And Adelaide Bank Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5049.737
Ma 20Greater thanMa 509.940
Ma 50Greater thanMa 1009.817
Ma 100Greater thanMa 2009.529
OpenGreater thanClose9.800
Total3/5 (60.0%)



Latest Balance Sheet

Balance Sheet of 2023-06-30. Currency in AUD. All numbers in thousands.

Summary
Total Assets98,479,700
Total Liabilities91,629,000
Total Stockholder Equity6,850,700
 As reported
Total Liabilities 91,629,000
Total Stockholder Equity+ 6,850,700
Total Assets = 98,479,700

Assets

Total Assets98,479,700
Total Current Assets8,960,500
Long-term Assets89,519,200
Total Current Assets
Cash And Cash Equivalents 6,683,900
Short-term Investments -1,824,200
Net Receivables 513,600
Inventory -7,197,500
Other Current Assets 8,960,500
Total Current Assets  (as reported)8,960,500
Total Current Assets  (calculated)7,136,300
+/- 1,824,200
Long-term Assets
Property Plant Equipment 166,200
Goodwill 1,527,500
Long Term Investments 7,823,600
Intangible Assets 1,841,900
Long-term Assets Other 85,889,400
Long-term Assets  (as reported)89,519,200
Long-term Assets  (calculated)97,248,600
+/- 7,729,400

Liabilities & Shareholders' Equity

Total Current Liabilities47,701,500
Long-term Liabilities43,927,500
Total Stockholder Equity6,850,700
Total Current Liabilities
Short-term Debt 4,264,900
Accounts payable 287,200
Other Current Liabilities 43,436,600
Total Current Liabilities  (as reported)47,701,500
Total Current Liabilities  (calculated)47,988,700
+/- 287,200
Long-term Liabilities
Long term Debt Total 13,209,200
Long term Debt 13,209,200
Other Liabilities 103,300
Deferred Long Term Liability 8,300
Long-term Liabilities  (as reported)43,927,500
Long-term Liabilities  (calculated)26,530,000
+/- 17,397,500
Total Stockholder Equity
Common Stock5,240,500
Retained Earnings 1,567,300
Other Stockholders Equity 42,900
Total Stockholder Equity (as reported)6,850,700
Total Stockholder Equity (calculated)6,850,700
+/-0
Other
Capital Stock5,240,500
Cash and Short Term Investments 6,683,900
Common Stock Shares Outstanding 661,966
Current Deferred Revenue-287,200
Liabilities and Stockholders Equity 98,479,700
Net Debt 6,831,400
Net Invested Capital 20,059,900
Net Tangible Assets 5,008,800
Net Working Capital -38,741,000
Short Long Term Debt Total 13,515,300



Balance Sheet

Currency in AUD. All numbers in thousands.

 Trend2023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302014-06-302013-06-302012-06-302011-06-302010-06-302009-06-302008-06-302007-06-302006-06-302005-06-302004-06-302003-06-302002-06-302001-06-302000-06-301999-06-301998-06-301997-06-301996-06-301995-06-301994-06-301993-06-301992-06-301991-06-30
> Total Assets 
715,844
1,174,348
1,337,790
1,550,613
1,681,341
1,941,094
2,629,312
3,170,923
4,204,239
4,913,356
6,981,517
7,967,725
9,256,626
11,284,500
13,262,100
15,196,100
17,001,600
48,022,900
47,114,200
52,141,100
54,932,600
57,237,800
60,282,200
65,064,900
66,028,800
68,580,900
71,415,500
71,439,800
72,570,300
76,014,300
86,577,200
95,239,600
98,479,700
98,479,70095,239,60086,577,20076,014,30072,570,30071,439,80071,415,50068,580,90066,028,80065,064,90060,282,20057,237,80054,932,60052,141,10047,114,20048,022,90017,001,60015,196,10013,262,10011,284,5009,256,6267,967,7256,981,5174,913,3564,204,2393,170,9232,629,3121,941,0941,681,3411,550,6131,337,7901,174,348715,844
   > Total Current Assets 
676,078
1,129,513
1,285,007
1,497,981
1,630,640
1,891,767
2,569,561
3,120,713
4,139,900
4,844,079
6,863,567
7,846,536
9,135,180
11,164,200
13,125,100
15,025,400
16,846,400
46,449,000
45,399,400
50,395,900
53,178,000
55,620,600
58,700,600
63,463,700
64,349,500
66,855,500
69,673,900
64,299,600
2,781,200
1,501,600
7,411,500
3,895,000
8,960,500
8,960,5003,895,0007,411,5001,501,6002,781,20064,299,60069,673,90066,855,50064,349,50063,463,70058,700,60055,620,60053,178,00050,395,90045,399,40046,449,00016,846,40015,025,40013,125,10011,164,2009,135,1807,846,5366,863,5674,844,0794,139,9003,120,7132,569,5611,891,7671,630,6401,497,9811,285,0071,129,513676,078
       Cash And Cash Equivalents 
9,929
28,461
32,074
47,851
76,853
44,071
145,738
123,238
221,330
210,752
329,404
354,605
291,769
321,100
327,100
479,800
329,100
1,608,600
1,148,000
1,040,200
670,600
561,000
677,700
958,600
1,197,300
1,280,800
1,329,900
1,320,400
1,342,600
1,226,700
5,521,600
3,157,800
6,683,900
6,683,9003,157,8005,521,6001,226,7001,342,6001,320,4001,329,9001,280,8001,197,300958,600677,700561,000670,6001,040,2001,148,0001,608,600329,100479,800327,100321,100291,769354,605329,404210,752221,330123,238145,73844,07176,85347,85132,07428,4619,929
       Short-term Investments 
80,219
87,221
58,516
48,348
116,628
2,557
164,853
230,789
267,237
380,294
5,751
7,568
23,307
0
0
2,800
40,100
85,300
463,400
905,400
4,198,900
5,053,400
672,200
691,500
782,700
956,200
1,045,000
1,148,900
1,083,300
2,285,300
-7,000
-7,200
-1,824,200
-1,824,200-7,200-7,0002,285,3001,083,3001,148,9001,045,000956,200782,700691,500672,2005,053,4004,198,900905,400463,40085,30040,1002,8000023,3077,5685,751380,294267,237230,789164,8532,557116,62848,34858,51687,22180,219
       Net Receivables 
0
50,816
72,357
89,873
7,453
5,381
80,491
112,014
142,108
80,858
0
0
0
0
2,713,300
0
171,700
490,000
473,500
596,500
399,900
487,300
585,300
704,400
331,600
318,900
294,300
311,000
355,300
254,000
283,900
304,000
513,600
513,600304,000283,900254,000355,300311,000294,300318,900331,600704,400585,300487,300399,900596,500473,500490,000171,70002,713,300000080,858142,108112,01480,4915,3817,45389,87372,35750,8160
       Other Current Assets 
585,930
963,015
1,122,060
1,311,909
1,429,706
1,839,758
2,178,479
2,654,672
3,509,225
4,172,175
6,528,412
7,484,363
0
0
0
0
0
0
0
0
0
0
0
203,000
211,900
222,600
311,800
61,519,300
60,283,500
1,501,600
7,411,500
3,895,000
8,960,500
8,960,5003,895,0007,411,5001,501,60060,283,50061,519,300311,800222,600211,900203,000000000000007,484,3636,528,4124,172,1753,509,2252,654,6722,178,4791,839,7581,429,7061,311,9091,122,060963,015585,930
   > Long-term Assets 
39,766
44,835
52,783
52,632
50,701
49,327
59,751
50,210
64,339
69,277
117,950
121,189
121,446
120,300
137,000
170,700
155,200
1,573,900
1,714,800
1,745,200
1,754,600
1,617,200
1,581,600
1,601,200
1,679,300
1,725,400
1,741,600
7,140,200
8,094,300
74,512,700
79,165,700
91,344,600
89,519,200
89,519,20091,344,60079,165,70074,512,7008,094,3007,140,2001,741,6001,725,4001,679,3001,601,2001,581,6001,617,2001,754,6001,745,2001,714,8001,573,900155,200170,700137,000120,300121,446121,189117,95069,27764,33950,21059,75149,32750,70152,63252,78344,83539,766
       Property Plant Equipment 
27,847
32,560
37,136
37,736
36,315
35,343
36,106
31,679
28,529
31,992
42,399
49,007
53,519
56,600
58,000
81,100
61,500
113,500
115,900
103,600
99,900
69,000
63,400
96,800
98,800
90,700
77,800
69,900
63,100
252,300
205,900
179,600
166,200
166,200179,600205,900252,30063,10069,90077,80090,70098,80096,80063,40069,00099,900103,600115,900113,50061,50081,10058,00056,60053,51949,00742,39931,99228,52931,67936,10635,34336,31537,73637,13632,56027,847
       Goodwill 
9,530
2,745
6,117
5,366
4,856
4,454
14,115
9,001
26,471
28,136
66,593
63,414
59,350
55,300
66,500
65,000
64,200
1,429,500
1,433,000
1,446,100
1,446,100
1,360,100
1,368,400
1,368,400
1,442,300
1,442,300
1,442,300
1,442,300
1,440,300
1,440,300
1,437,500
1,527,500
1,527,500
1,527,5001,527,5001,437,5001,440,3001,440,3001,442,3001,442,3001,442,3001,442,3001,368,4001,368,4001,360,1001,446,1001,446,1001,433,0001,429,50064,20065,00066,50055,30059,35063,41466,59328,13626,4719,00114,1154,4544,8565,3666,1172,7459,530
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
799,100
730,300
7,682,900
6,997,700
6,126,300
6,929,500
7,341,200
3,952,700
10,584,700
7,823,600
7,823,60010,584,7003,952,7007,341,2006,929,5006,126,3006,997,7007,682,900730,300799,10000000000000000000000000
       Intangible Assets 
2,389
9,530
9,530
9,530
9,530
9,530
9,530
9,530
9,339
9,149
8,958
8,768
8,577
8,400
12,500
24,600
29,500
30,900
165,900
195,500
208,600
188,100
149,800
136,000
138,200
192,400
221,500
207,700
245,300
1,564,600
1,631,900
1,808,300
1,841,900
1,841,9001,808,3001,631,9001,564,600245,300207,700221,500192,400138,200136,000149,800188,100208,600195,500165,90030,90029,50024,60012,5008,4008,5778,7688,9589,1499,3399,5309,5309,5309,5309,5309,5309,5302,389
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7,241,200
7,985,700
7,217,500
6,363,600
7,350,800
7,542,100
5,177,100
0
0
005,177,1007,542,1007,350,8006,363,6007,217,5007,985,7007,241,200000000000000000000000000
       Long-term Assets Other 
0
0
0
0
0
0
-5,364
-6,597
-51,275
-67,322
-721,633
-900,661
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-8,094,300
71,050,000
75,779,400
87,706,200
85,889,400
85,889,40087,706,20075,779,40071,050,000-8,094,3000000000000000000-900,661-721,633-67,322-51,275-6,597-5,364000000
> Total Liabilities 
659,927
1,093,838
1,225,327
1,433,885
1,554,186
1,796,516
2,490,259
3,021,232
3,961,150
4,624,999
6,558,720
7,473,298
8,703,916
10,608,100
12,513,000
14,296,600
15,986,600
44,752,900
43,995,500
48,260,700
50,972,500
53,020,100
55,848,200
60,090,700
61,087,100
63,464,400
65,989,900
65,819,500
66,938,700
70,216,100
80,223,700
88,527,700
91,629,000
91,629,00088,527,70080,223,70070,216,10066,938,70065,819,50065,989,90063,464,40061,087,10060,090,70055,848,20053,020,10050,972,50048,260,70043,995,50044,752,90015,986,60014,296,60012,513,00010,608,1008,703,9167,473,2986,558,7204,624,9993,961,1503,021,2322,490,2591,796,5161,554,1861,433,8851,225,3271,093,838659,927
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
53,800,400
55,169,100
58,602,700
60,247,300
3,725,100
3,635,700
970,800
576,500
49,289,000
47,701,500
47,701,50049,289,000576,500970,8003,635,7003,725,10060,247,30058,602,70055,169,10053,800,40000000000000000000000000
       Short-term Debt 
80,219
87,221
58,516
48,348
116,628
2,557
164,853
230,789
267,237
380,294
5,751
7,568
23,307
0
0
0
40,100
11,356,100
9,974,500
9,042,800
8,381,800
6,411,000
6,400,600
5,256,400
5,745,400
3,822,500
4,480,200
3,544,800
3,464,400
588,800
210,900
1,969,600
4,264,900
4,264,9001,969,600210,900588,8003,464,4003,544,8004,480,2003,822,5005,745,4005,256,4006,400,6006,411,0008,381,8009,042,8009,974,50011,356,10040,10000023,3077,5685,751380,294267,237230,789164,8532,557116,62848,34858,51687,22180,219
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6,616,000
601,600
3,822,500
4,480,200
3,544,800
3,464,400
3,503,500
0
0
0
0003,503,5003,464,4003,544,8004,480,2003,822,500601,6006,616,00000000000000000000000000
       Accounts payable 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
52,359,400
53,520,200
23,100
59,294,100
180,300
171,300
260,000
254,000
31,300
287,200
287,20031,300254,000260,000171,300180,30059,294,10023,10053,520,20052,359,40000000000000000000000000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
52,500
18,200
34,500
21,500
51,500
-3,635,700
122,000
365,600
47,319,400
43,436,600
43,436,60047,319,400365,600122,000-3,635,70051,50021,50034,50018,20052,50000000000000000000000000
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4,254,000
5,032,200
69,245,300
79,647,200
39,238,700
43,927,500
43,927,50039,238,70079,647,20069,245,3005,032,2004,254,000000000000000000000000000000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,705,300
4,633,500
5,079,800
5,134,900
5,022,200
5,286,400
5,161,200
13,218,000
13,209,200
13,209,20013,218,0005,161,2005,286,4005,022,2005,134,9005,079,8004,633,5005,705,300000000000000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
35,182
61,903
88,801
99,800
95,600
114,600
169,900
207,600
775,600
1,165,000
1,136,900
995,000
1,011,400
844,600
1,024,400
222,200
221,200
245,400
253,600
103,800
87,200
94,900
614,600
103,300
103,300614,60094,90087,200103,800253,600245,400221,200222,2001,024,400844,6001,011,400995,0001,136,9001,165,000775,600207,600169,900114,60095,60099,80088,80161,90335,182000000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
72,900
102,300
81,300
56,300
80,700
50,600
37,100
87,400
4,700
8,300
8,3004,70087,40037,10050,60080,70056,30081,300102,30072,90000000000000000000000000
> Total Stockholder Equity
55,917
80,510
112,463
116,728
127,155
144,578
139,053
149,691
243,089
288,357
422,797
494,427
552,512
676,600
749,500
900,100
1,015,700
3,270,000
3,118,700
3,734,700
3,960,100
4,217,700
4,434,000
4,974,200
4,941,700
5,116,500
5,425,600
5,620,300
5,631,600
5,798,200
6,353,500
6,711,900
6,850,700
6,850,7006,711,9006,353,5005,798,2005,631,6005,620,3005,425,6005,116,5004,941,7004,974,2004,434,0004,217,7003,960,1003,734,7003,118,7003,270,0001,015,700900,100749,500676,600552,512494,427422,797288,357243,089149,691139,053144,578127,155116,728112,46380,51055,917
   Common Stock
21,101
32,359
33,258
34,834
38,278
42,264
48,184
50,163
199,979
242,362
392,507
448,170
463,580
551,600
546,300
564,100
605,200
2,706,300
3,003,900
3,361,700
3,408,900
3,681,800
3,758,000
4,183,300
4,223,600
4,288,200
4,448,700
4,523,300
4,570,500
4,909,300
5,053,100
5,219,500
5,240,500
5,240,5005,219,5005,053,1004,909,3004,570,5004,523,3004,448,7004,288,2004,223,6004,183,3003,758,0003,681,8003,408,9003,361,7003,003,9002,706,300605,200564,100546,300551,600463,580448,170392,507242,362199,97950,16348,18442,26438,27834,83433,25832,35921,101
   Retained Earnings 
6,410
7,229
7,154
7,217
9,014
13,723
16,031
20,688
26,179
29,118
13,276
28,295
85,614
119,600
157,100
194,500
232,400
242,000
144,300
234,500
349,500
296,500
398,100
517,500
623,100
740,400
864,600
975,900
987,300
805,900
1,166,000
1,386,500
1,567,300
1,567,3001,386,5001,166,000805,900987,300975,900864,600740,400623,100517,500398,100296,500349,500234,500144,300242,000232,400194,500157,100119,60085,61428,29513,27629,11826,17920,68816,03113,7239,0147,2177,1547,2296,410
   Capital Surplus 000000000000000000000000000000000
   Treasury Stock000000000000000000000000000000000
   Other Stockholders Equity 
28,406
40,922
72,051
74,677
79,863
88,591
98,704
100,665
39,436
43,811
55,164
57,229
0
0
0
0
0
0
0
0
0
0
0
-53,400
-51,200
-52,600
-36,000
-25,800
-8,900
-4,300
-3,600
105,900
42,900
42,900105,900-3,600-4,300-8,900-25,800-36,000-52,600-51,200-53,4000000000000057,22955,16443,81139,436100,66598,70488,59179,86374,67772,05140,92228,406



Balance Sheet

Currency in AUD. All numbers in thousands.