BEN Stock Overview
Bendigo and Adelaide Bank Limited provides banking and financial products and services to retail customers and small to medium sized businesses in Australia.
Bendigo and Adelaide Bank Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||AU$10.52|
|52 Week High||AU$11.27|
|52 Week Low||AU$8.43|
|1 Month Change||-0.85%|
|3 Month Change||9.81%|
|1 Year Change||2.73%|
|3 Year Change||-5.57%|
|5 Year Change||-6.07%|
|Change since IPO||222.70%|
Recent News & Updates
|BEN||AU Banks||AU Market|
Return vs Industry: BEN underperformed the Australian Banks industry which returned 2.8% over the past year.
Return vs Market: BEN exceeded the Australian Market which returned -1.1% over the past year.
|BEN Average Weekly Movement||3.2%|
|Banks Industry Average Movement||3.1%|
|Market Average Movement||9.3%|
|10% most volatile stocks in AU Market||16.4%|
|10% least volatile stocks in AU Market||4.2%|
Stable Share Price: BEN is less volatile than 75% of Australian stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: BEN's weekly volatility (3%) has been stable over the past year.
About the Company
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 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.
Bendigo and Adelaide Bank Fundamentals Summary
|BEN fundamental statistics|
Is BEN overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BEN income statement (TTM)|
|Cost of Revenue||AU$0|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
Aug 15, 2022
|Earnings per share (EPS)||1.08|
|Net Profit Margin||34.92%|
How did BEN perform over the long term?See historical performance and comparison
5.0%Current Dividend Yield
How is Bendigo and Adelaide Bank forecast to perform in the next 1 to 3 years based on estimates from 12 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BEN's forecast earnings growth (1.2% per year) is below the savings rate (1.8%).
Earnings vs Market: BEN's earnings (1.2% per year) are forecast to grow slower than the Australian market (6.4% per year).
High Growth Earnings: BEN's earnings are forecast to grow, but not significantly.
Revenue vs Market: BEN's revenue (3.9% per year) is forecast to grow slower than the Australian market (4.9% per year).
High Growth Revenue: BEN's revenue (3.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BEN's Return on Equity is forecast to be low in 3 years time (7.5%).
How has Bendigo and Adelaide Bank performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BEN has a high level of non-cash earnings.
Growing Profit Margin: BEN's current net profit margins (34.9%) are higher than last year (19.8%).
Past Earnings Growth Analysis
Earnings Trend: BEN's earnings have declined by 0.02% per year over the past 5 years.
Accelerating Growth: BEN's earnings growth over the past year (106.7%) exceeds its 5-year average (-0.02% per year).
Earnings vs Industry: BEN earnings growth over the past year (106.7%) exceeded the Banks industry 16.5%.
Return on Equity
High ROE: BEN's Return on Equity (9%) is considered low.
How is Bendigo and Adelaide Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BEN's Assets to Equity ratio (13.6x) is moderate.
Allowance for Bad Loans: BEN has a sufficient allowance for bad loans (313%).
Low Risk Liabilities: 93% of BEN's liabilities are made up of primarily low risk sources of funding.
Loan Level: BEN has an appropriate level of Loans to Assets ratio (81%).
Low Risk Deposits: BEN's Loans to Deposits ratio (94%) is appropriate.
Level of Bad Loans: BEN has an appropriate level of bad loans (0.1%).
What is Bendigo and Adelaide Bank current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BEN's dividend (5.04%) is higher than the bottom 25% of dividend payers in the Australian market (2.6%).
High Dividend: BEN's dividend (5.04%) is low compared to the top 25% of dividend payers in the Australian market (6.23%).
Stability and Growth of Payments
Stable Dividend: BEN's dividend payments have been volatile in the past 10 years.
Growing Dividend: BEN's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (48.1%), BEN's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BEN's dividends in 3 years are forecast to be covered by earnings (69% payout ratio).
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Marnie Baker (52 yo)
Ms. Marnie A. Baker, BBus (Acc), ASA, MAICD, SF FIN, has been Managing Director at Bendigo and Adelaide Bank Limited since July 02, 2018 and serves as its Chief Executive Officer. Ms. Baker has been a Dire...
CEO Compensation Analysis
Compensation vs Market: Marnie's total compensation ($USD1.36M) is below average for companies of similar size in the Australian market ($USD1.97M).
Compensation vs Earnings: Marnie's compensation has been consistent with company performance over the past year.
Experienced Management: BEN's management team is considered experienced (3.6 years average tenure).
Experienced Board: BEN's board of directors are considered experienced (8.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: BEN insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 2.5%.
Bendigo and Adelaide Bank Limited's employee growth, exchange listings and data sources
- Name: Bendigo and Adelaide Bank Limited
- Ticker: BEN
- Exchange: ASX
- Founded: 1858
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: AU$5.913b
- Shares outstanding: 558.92m
- Website: https://www.bendigoadelaide.com.au
Number of Employees
- Bendigo and Adelaide Bank Limited
- The Bendigo Centre
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/26 00:00|
|End of Day Share Price||2022/05/26 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.