0.2 (1.668%)
Valuation
Value
Consensus
Telephone
61.1300.236.344
Address
22-44 Bath Lane The Bendigo Centre Bendigo, Victoria (VIC) 3550
Description
Bendigo & Adelaide Bank Ltd. engages in banking and financial services including consumer, residential, business, rural and commercial lending, deposit-taking, payments and foreign exchange services, wealth management, margin lending, and superannuation, and treasury. It operates through the following segments: Consumer, Business and Agribusiness, and Corporate. The Consumer segment focuses on engaging with and servicing consumer customers and includes the branch network, digital bank, mobile relationship managers, third party banking channels, wealth services, Homesafe, and customer support functions. The Business and Agribusiness segment involves servicing small and medium companies and includes portfolio funding through its Rural Bank brand. The Corporate segment represents the support functions: treasury, technology, property services, strategy, finance, risk, compliance, legal, human resources, and investor relations. The company was founded on July 09, 1858 and is headquartered in Bendigo, Australia.
Historical data
Forecast data
| USD | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Per Share, Growth & Valuations | ||||||||||||
| EPS (Basic) | $ |
|
|
|
|
3.58 | 2.53 | 1.72 |
|
|
|
|
| EPS (Fully Diluted) | $ |
|
|
|
|
3.57 | 2.53 | 1.72 |
|
|
|
|
| Growth | % |
|
|
|
|
124.7 | -29.2 | -31.9 |
|
|
|
|
| PE | X |
|
|
|
|
9.5 | 6.7 | 9.6 |
|
|
|
|
| EV/EBITDA | X |
|
|
|
|
3.6 | 4.6 | 5.6 |
|
|
|
|
| CFPS | $ |
|
|
|
|
2.69 | 3.77 | 2.17 |
|
|
|
|
| FCFPS | $ |
|
|
|
|
1.21 | 2.63 | 0.77 |
|
|
|
|
| Growth | % |
|
|
|
|
119.7 | 40.5 | -42.6 |
|
|
|
|
| Yield | % |
|
|
|
|
4.1 | 12.2 | 3.1 |
|
|
|
|
| DPS | $ |
|
|
|
|
1.12 | 1.16 | 1.20 |
|
|
|
|
| Growth | % |
|
|
|
|
3.7 | 3.6 | 3.4 |
|
|
|
|
| Yield | % |
|
|
|
|
3.6 | 5.0 | 5.3 |
|
|
|
|
| Payout Ratio | % |
|
|
|
|
31 | 46 | 70 |
|
|
|
|
| BPS | $ |
|
|
|
|
22.37 | 22.97 | 24.03 |
|
|
|
|
| BPS (Tangible) | $ |
|
|
|
|
4.10 | 1.23 | 2.04 |
|
|
|
|
| Growth | % |
|
|
|
|
189.9 | -70.0 | 65.9 |
|
|
|
|
| Shares Outstanding | ||||||||||||
| Diluted | m |
|
|
|
|
491 | 489 | 491 |
|
|
|
|
| Basic | m |
|
|
|
|
490 | 489 | 490 |
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|
Load More
Load Less
Historical data
Forecast data
| USD | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||
| Sales | $m |
|
|
|
|
8,516 | 8,200 | 7,889 |
|
|
|
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| Growth | % |
|
|
|
|
53.5 | -3.7 | -3.8 |
|
|
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|
| Selling & General Expenses | $m |
|
|
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|
983 | 1,014 | 1,020 |
|
|
|
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| Gross Income | $m |
|
|
|
|
6,054 | 5,964 | 5,826 |
|
|
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| Growth | % |
|
|
|
|
63.7 | -1.5 | -2.3 |
|
|
|
|
| Margin | % |
|
|
|
|
71.1 | 72.7 | 73.9 |
|
|
|
|
| Cost of Goods Sold to Sales | % |
|
|
|
|
29 | 27 | 26 |
|
|
|
|
| EBITDA | $m |
|
|
|
|
2,530 | 2,336 | 1,854 |
|
|
|
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| Growth | % |
|
|
|
|
63.7 | -7.7 | -20.6 |
|
|
|
|
| Margin | % |
|
|
|
|
29.7 | 28.5 | 23.5 |
|
|
|
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| Depreciation & Amortisation | $m |
|
|
|
|
356 | 390 | 449 |
|
|
|
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| EBIT | $m |
|
|
|
|
2,174 | 1,946 | 1,405 |
|
|
|
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| Growth | % |
|
|
|
|
55.6 | -10.5 | -27.8 |
|
|
|
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| Margin | % |
|
|
|
|
25.5 | 23.7 | 17.8 |
|
|
|
|
| Pretax Income | $m |
|
|
|
|
2,444 | 1,729 | 1,416 |
|
|
|
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| Income Taxes | $m |
|
|
|
|
350 | 396 | 312 |
|
|
|
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| Net Income | $m |
|
|
|
|
1,754 | 1,238 | 845 |
|
|
|
|
| Growth | % |
|
|
|
|
123.8 | -29.4 | -31.7 |
|
|
|
|
| Margin | % |
|
|
|
|
20.6 | 15.1 | 10.7 |
|
|
|
|
| Cash Flow Statement | ||||||||||||
| Net Operating Cash Flow | $m |
|
|
|
|
1,233 | 1,960 | 1,136 |
|
|
|
|
| Capital Expenditures | $m |
|
|
|
|
79 | 90 | 149 |
|
|
|
|
| Net Investing Cash Flow | $m |
|
|
|
|
-1,882 | -3,133 | -3,012 |
|
|
|
|
| Net Financing Cash Flow | $m |
|
|
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|
1,309 | 1,385 | 1,462 |
|
|
|
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| Free Cash Flow | $m |
|
|
|
|
1,153 | 1,870 | 987 |
|
|
|
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| Growth | % |
|
|
|
|
160.8 | 62.2 | -47.2 |
|
|
|
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| Margin | % |
|
|
|
|
0.1 | 0.2 | 0.1 |
|
|
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| Franking Balance | $m |
|
|
|
|
0 | 0 | 0 |
|
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| Balance Sheet | ||||||||||||
| Cash & Short-Term Investments | $m |
|
|
|
|
4,647 | 4,782 | 4,402 |
|
|
|
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| Total Assets | $m |
|
|
|
|
24,168 | 28,061 | 30,121 |
|
|
|
|
| Long Term Debt | $m |
|
|
|
|
7,387 | 9,207 | 11,675 |
|
|
|
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| Net Debt | $m |
|
|
|
|
2,942 | 4,580 | 7,350 |
|
|
|
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| Total Liabilities | $m |
|
|
|
|
11,425 | 14,236 | 16,547 |
|
|
|
|
| Equity | $m |
|
|
|
|
11,223 | 11,475 | 11,917 |
|
|
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| Invested Capital |
|
|
|
|
18,610 | 20,682 | 23,592 |
|
|
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||
| Growth | % |
|
|
|
|
12.4 | 11.1 | 14.1 |
|
|
|
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| Return Ratios | ||||||||||||
| Return on Assets | % |
|
|
|
|
7.3 | 4.4 | 2.8 |
|
|
|
|
| Return on Equity | % |
|
|
|
|
15.6 | 10.8 | 7.1 |
|
|
|
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| Return on Total Capital | % |
|
|
|
|
11.8 | 8.9 | 5.8 |
|
|
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| Return on Invested Capital | % |
|
|
|
|
10.5 | 6.3 | 3.8 |
|
|
|
|
| Cash Flow Return on Invested Capital | % |
|
|
|
|
7.4 | 10.0 | 5.1 |
|
|
|
Load More
Load Less
Historical data
Forecast data
| USD | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Leverage | ||||||||||||
| Interest Cover | X |
|
|
|
|
29.6 | 23.8 | 15.0 |
|
|
|
|
| Debt to EBITDA | X |
|
|
|
|
1.2 | 2.0 | 4.0 |
|
|
|
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| Net Debt to Equity | % |
|
|
|
|
26.2 | 39.9 | 61.7 |
|
|
|
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| Liquidity | ||||||||||||
| Current Ratio | X |
|
|
|
|
0.0 | 0.0 | 0.0 |
|
|
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| Quick Ratio | X |
|
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|
0.0 | 0.0 | 0.0 |
|
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| Cash & ST Inv/Current Assets | % |
|
|
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|
N/A | N/A | N/A |
|
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| CFO/Current Liabilities | % |
|
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|
N/A | N/A | N/A |
|
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| Balance Sheet Efficiency | ||||||||||||
| Receivables Turnover | X |
|
|
|
|
6.5 | 6.1 | 6.0 |
|
|
|
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| Inventory Turnover | X |
|
|
|
|
0.0 | 0.0 | 0.0 |
|
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| Working Capital Turnover | X |
|
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|
0.0 | 0.0 | 0.0 |
|
|
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| Payables Turnover | X |
|
|
|
|
0.0 | 0.0 | 0.0 |
|
|
|
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| Asset Turnover | X |
|
|
|
|
0.4 | 0.3 | 0.3 |
|
|
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| Du Pont | ||||||||||||
| Asset Turnover | X |
|
|
|
|
0.4 | 0.3 | 0.3 |
|
|
|
|
| x Pretax Margin | % |
|
|
|
|
28.7 | 21.1 | 17.9 |
|
|
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| = Pretax Return on Assets | % |
|
|
|
|
10.1 | 6.2 | 4.7 |
|
|
|
|
| x Tax Rate Complement (1-Tax Rate) | % |
|
|
|
|
14.3 | 22.9 | 22.1 |
|
|
|
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| Return on Assets | % |
|
|
|
|
7.3 | 4.4 | 2.8 |
|
|
|
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| x Equity Multiplier (Assets/Equity) | % |
|
|
|
|
2.2 | 2.4 | 2.5 |
|
|
|
|
| Return on Equity | % |
|
|
|
|
15.6 | 10.8 | 7.1 |
|
|
|
|
| x Earnings Retention (1-Payout) | % |
|
|
|
|
68.7 | 54.1 | 30.3 |
|
|
|
|
| = Reinvestment Rate (%) | % |
|
|
|
|
10.7 | 5.8 | 2.1 |
|
|
|
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| Operating Cycle | ||||||||||||
| Days of Inventory on Hand | Days |
|
|
|
|
0.0 | 0.0 | 0.0 |
|
|
|
|
| + Days of Sales Outstanding | Days |
|
|
|
|
56.3 | 59.9 | 60.5 |
|
|
|
|
| Operating Cycle | Days |
|
|
|
|
56.3 | 59.9 | 60.5 |
|
|
|
|
| - Days of Payables Outstanding | Days |
|
|
|
|
0.0 | 0.0 | 0.0 |
|
|
|
|
| Net Operating Cycle | Days |
|
|
|
|
56.3 | 59.9 | 60.5 |
|
|
|
Load More
Load Less
Ex Dividend Date (est.)
DIV Yield
Franking Level
DPSg
Quality Yield
Falling Divs over next 2
Consensus Score
Recommendation
EPS 1 month Change
Quality Yield
Falling Divs over next 2
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HALO Technologies Pty Ltd ABN 54 623 830 866 is a Corporate Authorised Representative No 1261916 of Macrovue Pty Ltd ABN 98 600 022 679 AFSL 484264. Macrovue Pty Ltd is a wholly owned subsidiary of HALO Technologies Pty Ltd.
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