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Bendigo and Adelaide Bank Ltd Cap Note 3-bbsw+3.80%

Financial Services AU BENPH

105.05AUD
0.03(0.03%)

Last update at 2024-11-13T05:10:00Z

Day Range

105.02105.36
LowHigh

52 Week Range

96.87105.46
LowHigh

Fundamentals

  • Previous Close 105.02
  • Market Cap5495.39M
  • Volume1366
  • P/E Ratio109.76
  • Dividend Yield5.37%
  • EBITDA-
  • Revenue TTM1832.20M
  • Revenue Per Share TTM3.24
  • Gross Profit TTM 1842.40M
  • Diluted EPS TTM0.96

Analyst Recommendations

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 724.80M 701.40M 753.70M 286.10M 552.00M
Minority interest - - - - -
Net income 497.00M 488.10M 524.00M 192.80M 376.80M
Selling general administrative 75.60M 55.20M 88.20M 640.00M 605.20M
Selling and marketing expenses - - - - -
Gross profit - - - - -
Reconciled depreciation 102.80M 99.20M 100.20M 125.50M 56.50M
Ebit - - - - -
Ebitda - - - - -
Depreciation and amortization - - - - -
Non operating income net other - - - - -
Operating income - - - - -
Other operating expenses 347.10M 267.80M 287.70M 305.20M 275.70M
Interest expense 1766.00M 332.30M 444.80M 936.40M 1353.70M
Tax provision 227.80M 213.30M 229.70M 93.30M 175.20M
Interest income 1640.80M 1749.10M 1867.30M 2270.20M 2639.50M
Net interest income 1640.80M 1416.80M 1422.50M 1333.80M 1285.80M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 227.80M 213.30M 229.70M 93.30M 175.20M
Total revenue 1920.30M 1690.40M 1785.20M 1549.50M 1515.00M
Total operating expenses - - - - -
Cost of revenue - - - - -
Total other income expense net - - - - -
Discontinued operations - - - - -
Net income from continuing ops 497.00M 488.10M 524.00M 192.80M 376.80M
Net income applicable to common shares 497.00M 488.10M 524.00M 192.80M 376.80M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 98187.90M 98479.70M 95243.70M 86577.20M 76008.90M
Intangible assets 382.30M 314.40M 280.80M 1549.40M 124.30M
Earning assets - - - 5177.10M 7542.10M
Other current assets - 261.60M 149.60M 151.10M 163.00M
Total liab 91153.90M 91629.00M 88531.80M 80223.70M 70210.70M
Total stockholder equity 7034.00M 6850.70M 6711.90M 6353.50M 5798.20M
Deferred long term liab - 8.30M 4.70M 4.90M 37.10M
Other current liab - 40.80M 50.60M 44.20M -
Common stock - 5242.90M 5222.50M 5053.10M 4909.30M
Capital stock 5231.30M 5240.50M 5219.50M 5049.50M 4905.00M
Retained earnings 1762.00M 1662.50M 1474.30M 1270.70M 892.50M
Other liab - 103.30M 90.50M 84.90M 87.20M
Good will 1527.50M 1527.50M 1527.50M 1437.50M 1440.30M
Other assets - 80082.10M 79054.30M 73194.80M 66174.90M
Cash 1887.70M 8508.10M 3729.00M 5528.60M 1516.00M
Cash and equivalents - - - - -
Total current liabilities - 78204.70M 75225.20M 67963.10M 65235.10M
Current deferred revenue - - - - -
Net debt 8772.30M 4701.10M 9340.10M 7090.90M 2941.30M
Short term debt - - - - -
Short long term debt - - - - 3724.90M
Short long term debt total - - - 4980.90M 5286.40M
Other stockholder equity - -54.70000M 15.10M 29.70M -3.60000M
Property plant equipment - 166.20M 179.60M 205.90M 252.30M
Total current assets - 9271.80M 4380.80M 9329.70M 7162.90M
Long term investments 10968.70M 7823.60M 10584.70M 3952.70M 7051.90M
Net tangible assets - 5008.80M 4903.60M 4721.60M 4233.60M
Short term investments - - - - 2285.30M
Net receivables - 252.00M 154.40M 132.80M 108.60M
Long term debt - - - 4980.90M 5065.00M
Inventory - - - - -
Accounts payable 476.00M 77310.80M 74583.90M 66217.10M 64182.60M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - - - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other - - - - -
Deferred long term asset charges - - - - -
Non current assets total - - - - -
Capital lease obligations - - - - -
Long term debt total - - - 5161.20M 5286.40M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -2.10000M -2.30000M -2.30000M -4.50000M 1.70M
Change to liabilities -22.60000M -6.40000M 46.10M -83.00000M -19.20000M
Total cashflows from investing activities -597.50000M 9.70M 3.60M -46.70000M -36.60000M
Net borrowings -50.50000M -71.40000M 348.40M -65.40000M -27.80000M
Total cash from financing activities 2386.30M 8072.90M 9937.50M 3534.50M 721.80M
Change to operating activities 2295.90M -12200.20000M -4673.10000M -3652.70000M -1266.50000M
Net income 497.00M 488.10M 524.00M 192.80M 376.80M
Change in cash 4767.60M -3534.10000M 5902.80M 259.50M -145.90000M
Begin period cash flow 3550.20M 7084.30M 1181.50M 922.00M 1067.90M
End period cash flow 8317.80M 3550.20M 7084.30M 1181.50M 922.00M
Total cash from operating activities 2978.80M -11616.70000M -4038.30000M -3228.30000M -831.10000M
Issuance of capital stock 0.60M 0.60M 103.50M 295.90M 1.20M
Depreciation 65.90M 62.50M 72.30M 75.40M 22.70M
Other cashflows from investing activities - - 23.30M -5.10000M -20.40000M
Dividends paid 290.70M 213.70M 105.30M 277.40M 288.70M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock 0.00000M -8.70000M -471.50000M 294.80M -
Other cashflows from financing activities 2726.90M 8366.10M 10165.40M 3581.40M 1037.10M
Change to netincome 115.50M -3.80000M -79.70000M 214.50M 66.40M
Capital expenditures 30.60M 14.50M 21.00M 29.90M 12.60M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital - - 7565.00M 2246.00M 2493.00M
Stock based compensation - - - - -
Other non cash items - - - - -
Free cash flow 5675.10M -3265.10000M 6113.60M 315.80M 189.80M

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) Enterprise Value to EBITDA (x)
BENPH
Bendigo and Adelaide Bank Ltd Cap Note 3-bbsw+3.80%		 0.03 0.03% 105.05 109.76 - - - - -
BEN
Bendigo And Adelaide Bank Ltd		 0.05 0.40% 12.60 14.26 11.31 3.75 1.00 8.53 -
BOQ
Bank Of Queensland Ltd.		 -0.06 0.90% 6.63 15.95 12.20 2.75 0.70 14.04 -
BOQPF
Bank of Queensland Ltd Preferred		 -0.28 0.27% 104.11 168.59 - - - - -
BFL
BSP Financial Group Ltd		 -0.02 0.32% 6.18 8.31 - 1.09 1.81 2.66 -

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Profile

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.

Bendigo and Adelaide Bank Ltd Cap Note 3-bbsw+3.80%

The Bendigo Centre, Bendigo, VIC, Australia, 3550

Key Executives

Name Title Year Born
Ms. Marnie A. Baker ASA, BBus (Acc), MAICD, SF FIN CEO, MD & Non Independent Director 1969
Mr. Andrew Robert Morgan Chief Financial Officer NA
Mr. Bruce Speirs BCom, CA, GAICD, MBA Chief Operating Officer NA
Ms. Alexandra Gartmann BSc (REM), MAICD Exec. of Rural Bank, Partnerships, Marketing & Corp. Affairs NA
Mr. Richard Fennell BEc, CA, MAICD Chief Customer Officer of Consumer Banking NA
Mr. Taso Corolis Chief Risk Officer NA
Mr. Ryan Brosnahan B.Com., M.Sc. Chief Transformation Officer NA
Karen McRae Head of Investor Relations NA
James Frost Head of PR NA
Ms. Louise Tebbutt Chief People Officer NA

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