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BSP Financial Group Ltd

Financial Services AU BFL

8.16AUD
-0.06(0.73%)

Last update at 2026-03-11T03:28:00Z

Day Range

8.168.22
LowHigh

52 Week Range

6.299.10
LowHigh

Fundamentals

  • Previous Close 8.22
  • Market Cap3913.46M
  • Volume10581
  • P/E Ratio10.35
  • Dividend Yield-%
  • Revenue TTM3121.49M
  • Revenue Per Share TTM6.68
  • Gross Profit TTM 3121.49M
  • Diluted EPS TTM0.81

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 1954.66M 1825.03M 1553.39M 1425.11M 1525.86M
Minority interest - - - - -
Net income 1251.84M 1037.71M 890.21M 1081.07M 1075.22M
Selling general administrative 844.88M 810.76M 594.89M 571.83M 547.73M
Selling and marketing expenses - - - - -
Gross profit 3906.11M 2961.49M 2795.90M 2571.81M 2341.22M
Reconciled depreciation - 130.26M 127.12M 116.70M 109.06M
Ebit 1954.66M 5922.97M 1553.39M 1425.11M 1525.86M
Ebitda 2041.18M 6053.23M 1680.51M 1541.81M 1634.91M
Depreciation and amortization 86.52M 130.26M 127.12M 116.70M 109.06M
Non operating income net other - - - - -
Operating income 1954.66M 2961.49M 1553.39M 1425.11M 1525.86M
Other operating expenses 2184.30M 1276.17M 621.37M 409.03M 578.55M
Interest expense 134.58M 127.25M 118.10M 89.94M 106.67M
Tax provision 695.00M 787.32M 663.18M 344.04M 450.64M
Interest income - 2091.75M 1962.93M 1835.00M 1707.61M
Net interest income - 1964.50M 1844.83M 1745.06M 1600.93M
Extraordinary items 37.00M -37.34700M - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 702.82M 787.32M 663.18M 344.04M 450.64M
Total revenue 4138.96M 2961.49M 2795.90M 2571.81M 2341.22M
Total operating expenses 1951.45M 1167.13M 621.37M 409.03M 578.55M
Cost of revenue 232.85M 109.04M - - -
Total other income expense net - -1136.45500M 0.00000M 0.00000M 0.00000M
Discontinued operations - - - - -
Net income from continuing ops - 1037.71M 890.22M 1081.07M 1075.22M
Net income applicable to common shares 1172.00M 1037.71M - 1081.07M 1075.22M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 42984.00M 37123.35M 36951.29M 33890.10M 30446.27M
Intangible assets 308.00M 294.83M 282.24M 294.40M 236.58M
Earning assets - - - - -
Other current assets - - - 2525.01M 1723.49M
Total liab 37814.00M 32470.29M 279.82M 532.06M 510.88M
Total stockholder equity 5170.00M 4618.33M 4242.63M 4012.33M 3794.19M
Deferred long term liab - - - - -
Other current liab - - -279.81600M -532.06100M -510.87600M
Common stock 372.00M 372.11M 372.11M 372.11M 372.13M
Capital stock 372.00M - 372.11M 372.11M 372.13M
Retained earnings 4798.00M 3804.47M 3415.69M 3319.28M 3025.12M
Other liab - - - 1808.53M 1742.65M
Good will - - - - -
Other assets 297.00M - 8910.01M 9686.27M 9615.15M
Cash 9220.00M 5235.79M 7927.57M 8017.47M 5837.74M
Cash and equivalents - - - - -
Total current liabilities - - 279.82M 532.06M 510.88M
Current deferred revenue - - - - -
Net debt - -5235.79400M -7647.75800M -7485.40600M -5326.86900M
Short term debt - - 279.82M 532.06M 510.88M
Short long term debt 259.00M - 279.82M 532.06M 510.88M
Short long term debt total - - 279.82M 532.06M 510.88M
Other stockholder equity - -0.00000M -0.00000M 0.00000M 0.00000M
Property plant equipment 1136.00M - - 958.04M 958.88M
Total current assets - 5235.79M 19227.73M 17534.27M 15059.01M
Long term investments 8572.00M - 7496.56M 5388.47M 4576.66M
Net tangible assets - - - 3717.93M 3557.61M
Short term investments 8556.00M - 7496.56M 5388.47M 4576.66M
Net receivables - - 3803.60M 4128.34M 4644.60M
Long term debt - - - 246.48M 245.61M
Inventory - - - 25.23M 16.36M
Accounts payable - - - 27063.53M 24050.88M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - 441.76M 454.83M 320.93M 396.93M
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other - 30516.10M -8813.54600M -6669.56200M -5772.11300M
Deferred long term asset charges - - - - -
Non current assets total - 31887.56M 8813.55M 6669.56M 5772.11M
Capital lease obligations - - - - -
Long term debt total 243.00M - - 246.48M 245.61M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -3264.00000M 380.31M -1363.82700M -379.46000M -2573.10900M
Change to liabilities - - - 0.00000M 0.00000M
Total cashflows from investing activities -4118.66978M 380.31M - -379.46000M -2795.39100M
Net borrowings - - - -14.39500M -3.39600M
Total cash from financing activities 3494.89M -1566.27900M -1087.82500M -803.32400M -679.91600M
Change to operating activities - - - -1580.30600M -218.85200M
Net income 1251.84M 1037.71M 890.22M 1081.07M 1075.22M
Change in cash 1039.00M 253.50M 4527.10M 1349.42M -89.30300M
Begin period cash flow 4975.60M 4722.10M 195.00M 3889.33M 3958.39M
End period cash flow 6015.00M 4975.60M 4722.10M 5238.75M 3869.08M
Total cash from operating activities 1261.45M 1375.91M 1751.41M 2658.20M 973.26M
Issuance of capital stock - - - - -
Depreciation - 130.26M 80.73M 77.71M 78.82M
Other cashflows from investing activities -806.43041M 515.69M - -206.57900M -2566.85500M
Dividends paid 859.84M -712.68400M 831.81M 788.91M 676.46M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock - - - -0.02300M -0.05600M
Other cashflows from financing activities 4354.72M -853.59500M 0.00000M -379.46000M 0.00000M
Change to netincome - - - -209.34900M 7.83M
Capital expenditures 115.36M 135.38M 157.35M 172.88M 228.54M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -340.73020M 92.34M -1567.46100M 2454.40M 3146.36M
Stock based compensation - - - - -
Other non cash items 350.34M 115.59M 2347.92M 1499.42M 2316.42M
Free cash flow 1146.09M 1240.53M 1594.06M -172.88100M -228.53600M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (AUD) Price (AUD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
BFL
BSP Financial Group Ltd		 -0.06 0.73% 8.16 10.35 - 3.56 2.32 3.63
BEN
Bendigo and Adelaide Bank Ltd		 -0.1 0.99% 10.02 - 11.31 3.08 0.88 7.67
BENPH
Bendigo and Adelaide Bank Ltd		 -0.05 0.05% 101.90 106.79 - - -
BOQ
Bank of Queensland Ltd		 0.01 0.15% 6.81 34.85 11.45 2.78 0.78 12.86
BOQPF
Bank of Queensland Ltd		 -0.49 0.48% 102.10 166.37 - - -

Reports Covered

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Profile

BSP Financial Group Limited provides commercial banking and financial services in Papua New Guinea, Fiji, Solomon Islands, Cook Islands, Tonga, Samoa, Vanuatu, Cambodia, and Laos. It offers personal banking services, such as saving accounts and term deposits; personal, education, and personal asset loans; and life, health, and mortgage insurance products. The company also provides business banking services, including business, solicitor's trust, and SME business current and deposit accounts; business overdrafts; insurance premium funding; and asset financing, bridging, tailored business, commercial property investment, residential property investment, construction development, seasonal finance, and SME business and package loans. In addition, it offers international money transfer, foreign exchange, and trade finance services; foreign currency accounts, term deposits, and loans; and online business and mobile banking, payment, payroll, ATM, and bill pay services. The company was formerly known as Bank of South Pacific Limited and changed its name to BSP Financial Group Limited in March 2021. BSP Financial Group Limited was founded in 1957 and is based in Port Moresby, Papua New Guinea.

BSP Financial Group Ltd

Allotment 6 and 7, Section 34, Port Moresby, Papua New Guinea, 121

Key Executives

Name Title Year Born
Mr. Robin Gerard Fleming CSM, M.B.A., MBA, MMGT SAFin CEO, MD & Director NA
Mr. Ronesh Dayal Group Chief Financial Officer NA
Mr. Frank van der Poll Group Chief Operating Officer 1965
Ms. Vandhna Narayan Group Gen. Mang. of Compliance NA
Ms. Hari Rabura Gen. Mang. of HR NA
Ms. Mary E. Johns LL.B. Company Sec. NA
Mr. Rohan George Gen. Mang. of Treasury NA
Ms. Nuni Kulu Exec. NA
Mr. Andy Roberts Gen. Mang. of BSP Fin. Ltd NA
Mr. Kili Tambua Gen. Mang. of Offshore Branches NA

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