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Bendigo & Adelaide Bank Ltd. (DE:BDJ)
FRANKFURT:BDJ
Germany Market
BDJ
Bendigo & Adelaide Bank
RESEARCH TOOLSreports

Bendigo & Adelaide Bank (BDJ) Ratios

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Bendigo & Adelaide Bank Ratios

DE:BDJ's free cash flow for Q4 2026 was AU$0.98. For the 2026 fiscal year, DE:BDJ's free cash flow was decreased by AU$ and operating cash flow was AU$0.30. See a summary of the company’s cash flow.
Ratios
TTM
Jun 26Jun 25Jun 24Jun 23
Liquidity Ratios
Current Ratio
 0.46 0.02 0.02 0.05 0.19
Quick Ratio
 0.46 0.02 0.02 0.05 0.34
Cash Ratio
 0.39 0.02 0.01 0.04 0.14
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
 0.18 0.01 0.02 -0.16 0.01
Short-Term Operating Cash Flow Coverage
 0.18 0.00 0.00 0.00 0.12
Net Current Asset Value
AU$ -95.97BAU$ -96.02BAU$ -94.81BAU$ -88.63BAU$ -82.67B
Leverage Ratios
Debt-to-Assets Ratio
 0.10 0.10 0.11 0.11 0.14
Debt-to-Equity Ratio
 1.59 1.50 1.70 1.57 1.97
Debt-to-Capital Ratio
 0.61 0.60 0.63 0.61 0.66
Long-Term Debt-to-Capital Ratio
 0.50 0.60 0.63 0.00 0.57
Financial Leverage Ratio
 15.50 15.50 15.47 13.96 14.38
Debt Service Coverage Ratio
 0.08 0.00 0.16 -0.08 -0.05
Interest Coverage Ratio
 0.42 0.00 0.18 0.29 2.08
Debt to Market Cap
 1.83 1.65 1.59 0.00 2.76
Interest Debt Per Share
 20.94 17.43 26.01 22.67 24.49
Net Debt to EBITDA
 14.33 16.08 14.17 0.00 0.00
Profitability Margins
Gross Profit Margin
57.45%99.26%36.43%100.00%100.00%
EBIT Margin
17.75%29.40%11.52%-6.01%-2.82%
EBITDA Margin
18.67%29.40%13.81%0.00%0.00%
Operating Profit Margin
17.75%29.40%11.52%48.60%18.68%
Pretax Profit Margin
17.75%29.40%2.00%42.84%19.90%
Net Profit Margin
10.86%20.80%-1.85%29.29%13.65%
Continuous Operations Profit Margin
10.86%20.80%-1.85%29.29%13.65%
Net Income Per EBT
61.21%70.75%-92.21%68.36%68.57%
EBT Per EBIT
100.00%100.00%17.39%88.14%106.51%
Return on Assets (ROA)
0.36%0.36%-0.09%0.56%0.50%
Return on Equity (ROE)
5.61%5.57%-1.46%7.75%7.25%
Return on Capital Employed (ROCE)
0.61%2.96%3.25%1.78%1.34%
Return on Invested Capital (ROIC)
0.36%2.10%-3.00%1.22%0.85%
Return on Tangible Assets
0.36%0.36%-0.10%0.57%0.52%
Earnings Yield
6.31%6.13%-1.36%7.64%10.24%
Efficiency Ratios
Receivables Turnover
 13.75 0.00 8.78 3.89 0.00
Payables Turnover
 0.00 0.04 7.29 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 19.38 10.12 39.37 13.12 21.91
Asset Turnover
 0.03 0.02 0.05 0.02 0.04
Working Capital Turnover Ratio
 -0.08 -0.02 -0.08 -0.04 -0.09
Cash Conversion Cycle
 26.55 -9.30K -8.47 93.73 0.00
Days of Sales Outstanding
 26.55 0.00 41.59 93.73 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 9.30K 50.06 0.00 0.00
Operating Cycle
 26.55 0.00 41.59 93.73 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 1.15 1.56 3.00 -12.15 0.93
Free Cash Flow Per Share
 1.10 1.50 2.97 -9.52 0.88
CapEx Per Share
 0.05 0.05 0.03 0.04 0.05
Free Cash Flow to Operating Cash Flow
 0.96 0.97 0.99 0.78 0.94
Dividend Paid and CapEx Coverage Ratio
 1.73 2.34 4.53 -20.07 1.64
Capital Expenditure Coverage Ratio
 22.76 30.69 92.74 -279.13 17.22
Operating Cash Flow Coverage Ratio
 0.06 0.09 0.15 -0.69 0.04
Operating Cash Flow to Sales Ratio
 0.19 0.50 0.32 -4.08 0.14
Free Cash Flow Yield
11.07%14.26%23.48%-83.32%10.23%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 15.53 16.23 -74.35 13.09 9.77
Price-to-Sales (P/S) Ratio
 1.67 3.39 1.36 3.83 1.33
Price-to-Book (P/B) Ratio
 0.88 0.91 1.07 1.01 0.71
Price-to-Free Cash Flow (P/FCF) Ratio
 9.04 7.01 4.26 -1.20 9.78
Price-to-Operating Cash Flow Ratio
 8.89 6.78 4.21 -0.94 9.21
Price-to-Earnings Growth (PEG) Ratio
 0.02 -0.03 0.63 1.44 0.00
Price-to-Fair Value
 0.88 0.91 1.07 1.01 0.71
Enterprise Value Multiple
 23.29 27.62 24.02 0.00 0.00
Enterprise Value
 15.02B 14.65B 17.44B 16.30B 11.69B
EV to EBITDA
 23.29 27.62 24.02 0.00 0.00
EV to Sales
 4.35 8.12 3.32 8.76 3.21
EV to Free Cash Flow
 23.48 16.78 10.39 -2.74 23.54
EV to Operating Cash Flow
 22.45 16.23 10.28 -2.15 22.17
Tangible Book Value Per Share
 9.15 9.15 9.26 8.20 6.16
Shareholders’ Equity Per Share
 11.61 11.61 11.79 11.26 12.12
Tax and Other Ratios
Effective Tax Rate
 0.39 0.29 1.92 0.32 0.31
Revenue Per Share
 5.95 3.11 9.29 2.98 6.44
Net Income Per Share
 0.65 0.65 -0.17 0.87 0.88
Tax Burden
 0.61 0.71 -0.92 0.68 0.69
Interest Burden
 1.00 1.00 0.17 -7.13 -7.05
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.12 0.00 0.02 0.45 0.02
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.01 <0.01
Income Quality
 1.78 0.00 -17.48 -13.93 1.06
Currency in AUD