Bendigo & Adelaide Bank (BDJ) Price & Analysis
BDJ Stock Chart & Stats
- Day’s Range
- EUR 6.55 - EUR 6.60
- 52-Week Range
- EUR 5.55 - EUR 7.15
- Previous Close
- EUR 6.60
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 3.93B
- Enterprise Value
- EUR 16.17B
- Total Cash (Recent Filing)
- EUR 1.45B
- Total Debt (Recent Filing)
- EUR 10.69B
- Price to Earnings (P/E)
- 16.3
- Beta
- 0.53
- Next Earnings
- Feb 15, 2027
- EPS Estimate
- 0.23
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 5.52%
Bulls Say, Bears Say
Bulls Say
Stronger, Lower-cost Deposit Franchise
A growing share of lower-cost deposits can improve funding resilience and support net interest margins. Digital acquisition and stronger deposit mix also reduce reliance on more expensive wholesale funding over time.
Digital Banking Growth And Platform Consolidation
Rapid Up customer, deposit and lending growth expands Bendigo’s digital distribution while the completed core consolidation should simplify systems and enable more consistent customer onboarding and operating efficiency.
Improving Operating Performance And Margins
Income growth ahead of expense growth, together with a modestly higher margin and reduced second-half expenses, indicates improving operating discipline. This supports earnings durability if productivity gains offset ongoing industry cost pressure.
Bears Say
AML And Non-financial Risk Remediation Burden
Remediation requires substantial spending and management attention, while regulatory uncertainty can create further provisions or restrictions. These risks may suppress returns and divert resources from growth until control weaknesses are resolved.
Elevated Costs And Margin Pressure
Large implementation and migration costs will dilute FY27 profitability, while rising funding and deposit costs can compress margins. The cost base may remain elevated before expected partnership benefits arrive in FY28.
Rising Credit Risk And Volatile Earnings
Increasing arrears and provisions can weaken earnings and capital generation if borrowers deteriorate further. Combined with historically volatile profitability and cash flows, this reduces confidence in consistent through-cycle returns.
Bendigo & Adelaide Bank News
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Company Description
Bendigo & Adelaide Bank
Bendigo and Adelaide Bank Limited is an Australian financial institution delivering a comprehensive suite of banking and financial services to individual customers and small to medium-sized enterprises. The company's operations are divided into distinct segments: Consumer, Business and Agribusiness, and Corporate. Its extensive product portfolio includes personal and business banking solutions, financial advisory services, various lending options like commercial mortgages and unsecured loans, investment vehicles, insurance coverage, and superannuation. Additionally, the bank provides retail banking offerings, home financing for the mortgage broker and manager market, specialized rural banking services, wealth and funds management, commercial credit, and manages funeral bonds, estates, trusts, and acts as a corporate trustee or custodian. Tailored banking products are also available for agribusiness participants. Established in 1858 and headquartered in Bendigo, Australia, the bank operates a significant network of physical locations, comprising numerous Bendigo Bank, Community Bank, Delphi Bank, Alliance Bank, and private franchise branches, complemented by numerous rural banking points.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Richard Allan Fennell
- Employees
- 4,601
- Website
- www.bendigoadelaide.com.au
- Address
- The Bendigo Centre, Bendigo, VIC, 3550, AU
Bendigo & Adelaide Bank (BDJ) Earnings & Revenues
BDJ Company Deck
BDJ Earnings Call
Earnings Call SentimentNeutral
The call balanced clear operational progress—modest earnings growth, margin and deposit-mix improvements, strong digital (Up) momentum, completed core consolidation and material strategic partnerships—against significant risk and cost headwinds: AML/CTF and non-financial risk remediation (with a $70m rectification provision and further AML investment planned), regulatory provisions that reduced CET1, elevated one‑off FY'27 notables ($100m–$123m pretax) that will dilute ROE, and expected margin/funding pressures and higher credit costs. Management is prioritizing risk uplift and productivity to protect sustainable growth, but near-term profitability and capital will be affected by remediation and integration costs.
View all DE:BDJ earnings summariesBDJ Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 16 | 1 | 4 |
| Technical Analysis | 4 | 1 | 4 |
| Moving Averages | 12 | 0 | 0 |