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Bendigo and Adelaide Bank Valuation

Q: What is the Fair Price of BENPG when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

BENPG (A$101.1) is trading below our estimate of [[fair value]] (A$124.87)

Is BENPG undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of BENPG when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: BENPG (A$101.1) is trading below our estimate of fair value (A$124.87)

Significantly Below Fair Value: BENPG is trading below fair value, but not by a significant amount.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for BENPG?

Key metric: As BENPG is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for BENPG. This is calculated by dividing BENPG's market cap by their current earnings.
What is BENPG's PE Ratio?
PE Ratio	12x
Earnings	AU$530.30m
Market Cap	AU$6.36b

BENPG key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	5.3x

Price to Earnings Ratio vs Peers

How does BENPG's PE Ratio compare to its peers?

The above table shows the PE ratio for BENPG vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	14.4x
BOQ Bank of Queensland	16x	10.8%	AU$4.6b
MYS MyState	12.9x	11.9%	AU$452.6m
ABA Auswide Bank	20.8x	26.6%	AU$233.1m
BFL BSP Financial Group	7.9x	n/a	AU$3.2b
BENPG Bendigo and Adelaide Bank	12x	2.3%	AU$6.4b

Price-To-Earnings vs Peers: BENPG is expensive based on its Price-To-Earnings Ratio (12x) compared to the peer average (11x).

Price to Earnings Ratio vs Industry

How does BENPG's PE Ratio compare vs other companies in the Global Banks Industry?

18 Companies	Price / Earnings	Estimated Growth	Market Cap

18 Companies		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: BENPG is expensive based on its Price-To-Earnings Ratio (12x) compared to the Global Banks industry average (8.8x).

Price to Earnings Ratio vs Fair Ratio

What is BENPG's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

BENPG PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	12x
Fair PE Ratio	10.5x

Price-To-Earnings vs Fair Ratio: BENPG is expensive based on its Price-To-Earnings Ratio (12x) compared to the estimated Fair Price-To-Earnings Ratio (10.5x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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