Bendigo and Adelaide Bank Limited
BEN.AX · ASX
Financial statements
Annual and quarterly income, balance-sheet, cash-flow and key-statistics data.
Income statement
| Period | Revenue | Gross profit | Operating income | Net income | EPS |
|---|---|---|---|---|---|
| 2022 FY | 1.99B | 1.99B | 662.90M | 488.10M | 0.88 |
| 2023 FY | 3.64B | 3.64B | 680.50M | 497.00M | 0.88 |
| 2024 FY | 1.86B | 1.86B | 904.50M | 545.00M | 0.96 |
| 2025 FY | 5.26B | 1.91B | 605.60M | -97.10M | -0.17 |
Balance sheet
| Period | Total assets | Liabilities | Cash | Debt | Equity |
|---|---|---|---|---|---|
| 2022 FY | 95.24B | 88.53B | 3.16B | 13.39B | 6.71B |
| 2023 FY | 98.48B | 91.63B | 6.68B | 13.52B | 6.85B |
| 2024 FY | 98.19B | 91.15B | 1.89B | 11.06B | 7.03B |
| 2025 FY | 103.22B | 96.55B | 1.08B | 11.37B | 6.67B |
Cash flow
| Period | Operating cash flow | Capital expenditure | Free cash flow | Dividends paid | Net cash change |
|---|---|---|---|---|---|
| 2022 FY | 465.00M | -14.50M | 450.50M | -213.70M | -3.53B |
| 2023 FY | 527.00M | -30.60M | 496.40M | -290.70M | 4.77B |
| 2024 FY | -7.59B | -27.20M | -5.94B | -351.00M | -6.38B |
| 2025 FY | 1.70B | -18.30M | 1.68B | -356.20M | 1.35B |
Key statistics
| Period | Market cap | Enterprise value | P/E | Price / sales | Debt / equity |
|---|---|---|---|---|---|
| 2022 FY | 5.06B | 15.29B | — | — | — |
| 2023 FY | 4.85B | 11.69B | — | — | — |
| 2024 FY | 7.13B | 16.30B | — | — | — |
| 2025 FY | 7.15B | 17.44B | — | — | — |
Income statement
| Period | Revenue | Gross profit | Operating income | Net income | EPS |
|---|---|---|---|---|---|
| 2024 Q4 | 952.70M | 2.53B | 517.80M | 262.70M | 0.49 |
| 2025 Q2 | 964.60M | 964.60M | 485.90M | 216.80M | 0.37 |
| 2025 Q4 | 4.29B | 950.30M | 119.70M | -313.90M | -0.56 |
| 2026 Q2 | 2.54B | 1.09B | 339.00M | 230.60M | 0.41 |
Balance sheet
| Period | Total assets | Liabilities | Cash | Debt | Equity |
|---|---|---|---|---|---|
| 2024 Q4 | 98.19B | 91.15B | 1.89B | 11.06B | 7.03B |
| 2025 Q2 | 102.17B | 95.08B | 4.28B | 11.61B | 7.09B |
| 2025 Q4 | 103.22B | 96.55B | 1.08B | 11.37B | 6.67B |
| 2026 Q2 | 101.30B | 94.66B | 2.73B | 9.47B | 6.64B |
Cash flow
| Period | Operating cash flow | Capital expenditure | Free cash flow | Dividends paid | Net cash change |
|---|---|---|---|---|---|
| 2024 Q4 | -2.06B | -11.20M | -2.07B | -169.80M | -4.84B |
| 2025 Q2 | -1.10B | -8.80M | -1.11B | -186.50M | 4.20B |
| 2025 Q4 | -663.30M | -9.50M | -672.80M | -169.70M | -4.20B |
| 2026 Q2 | -3.29B | -5.20M | -3.29B | -187.00M | — |
Key statistics
| Period | Market cap | Enterprise value | P/E | Price / sales | Debt / equity |
|---|---|---|---|---|---|
| 2024 Q4 | 6.46B | 15.63B | — | — | — |
| 2025 Q2 | 7.77B | 15.10B | — | — | — |
| 2025 Q4 | 7.15B | 17.44B | — | — | — |
| 2026 Q2 | 5.95B | 12.70B | — | — | — |