profit from every A$100 of sales.
A$0A$100
Bendigo and Adelaide Bank
A$10.95+1.39% today
+5.5% in 1 year
1-year low A$9.881-year high A$11.58
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Bendigo and Adelaide Bank sold, what it kept, and what it did with the cash.
Sales went from A$1.67 billion in 2022 to A$1.91 billion in 2025, with -A$97.1 million of profit last year.
SalesProfit
Bendigo and Adelaide Bank handed back 25% of the cash it generated last year.
A$356M
Free cash flow 2025A$1.7B
Bought back its own sharesA$58M
Paid as dividendsA$356M
Cash vs. debtA$1.1B vs. A$11.4B
Bendigo and Adelaide Bank vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from A$100 of sales | Sales growth a year | Price per A$1 of profit |
|---|---|---|---|
| Bendigo and Adelaide Bank | No profit yet | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Bendigo and Adelaide Bank's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of AUD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,673 | 1,897 | 2,017 | 1,915 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 488 | 497 | 545 | -97 | |
| 0.78 | 0.79 | 0.87 | -0.17 | |
| – | – | – | – | |
| – | – | – | – | |
| 29.2% | 26.2% | 27.0% | -5.1% |
Balance sheet
| In millions of AUD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 95,240 | 98,480 | 98,188 | 103,219 |
| Cash | 3,165 | 6,691 | 1,888 | 1,083 |
| Total debt | 13,214 | 13,325 | 10,748 | 11,371 |
| Total liabilities | 88,528 | 91,629 | 91,154 | 96,549 |
| 6,712 | 6,851 | 7,034 | 6,670 | |
| 650 | 662 | 663 | 566 | |
| – | – | – | – | |
| 7.3% | 7.3% | 7.7% | -1.5% |
Cash flow
| In millions of AUD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -3,250 | 5,704 | -5,917 | 1,697 | |
| 15 | 31 | 27 | 18 | |
| -3,264 | 5,674 | -5,944 | 1,679 | |
| Dividends paid | 214 | 291 | 351 | 356 |
| 9 | 0 | 332 | 58 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- –
- –
- –
- 0.9×
- 3.3×
- -1.5%
- 5.6%
Profitability
- -5.1%
- –
- –
- –
- –
Growth
- +4.6%
- –
- –
- −4.5%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 35%of 879
Top 7%of 926
5.6%of the share price, paid each year
On $1,000 invested$56a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
: 21.2%
News
Ben Cowen Says After Nasdaq Fall, Bitcoin Could Head Back to $58,000Yahoo Finance · Nov 6, 2026Ben Cowen Says “Everyone Expects It” Was a Bad Reason to Bet Against the Q4 Market SelloffYahoo Finance · Nov 3, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Bendigo and Adelaide Bank
Is Bendigo and Adelaide Bank a good stock to buy?
A business with weak numbers that is not profitable yet. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Bendigo and Adelaide Bank AI analysis
What does Bendigo and Adelaide Bank do?
Bendigo and Adelaide Bank Limited engages in the provision of banking and other financial services to retail customers and small to medium sized businesses in Australia. It operates through Consumer, Business and Agribusiness, and Corporate segments. It is in Banks - Regional, based in Bendigo, VIC, Australia, with 4,568 employees.
Does Bendigo and Adelaide Bank pay a dividend?
Yes. At today's price the dividend is 5.6% a year. In 2025 it paid out A$356 million in dividends.
Is Bendigo and Adelaide Bank stock halal?
No. Bendigo and Adelaide Bank does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Bendigo and Adelaide Bank stock done over the past year?
Up 5.5% over the past twelve months, to A$10.95. It traded between A$9.88 and A$11.58 and is 5.4% below its high.
Who are Bendigo and Adelaide Bank's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Bendigo and Adelaide Bank's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.