Bendigo & Adelaide Bank (BDJ) Ratios
Bendigo & Adelaide Bank Ratios
DE:BDJ's free cash flow for Q4 2026 was $3.93B. For the 2026 fiscal year, DE:BDJ's free cash flow was decreased by $-24.20M and operating cash flow was $3.95B. See a summary of the company’s cash flow.
| Ratios | Jun 26 | Jun 25 | Jun 24 | Jun 23 | Jun 22 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.02 | 0.02 | 0.05 | 0.19 | 0.08 |
| Quick Ratio | 0.02 | 0.02 | 0.05 | 0.34 | 0.15 |
| Cash Ratio | 0.02 | 0.01 | 0.04 | 0.14 | 0.06 |
| Solvency Ratio | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.02 | -0.16 | 0.01 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.12 | 0.00 |
| Net Current Asset Value | $ -96.02B | $ -94.81B | $ -88.63B | $ -82.67B | $ -84.63B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.10 | 0.11 | 0.11 | 0.14 | 0.14 |
| Debt-to-Equity Ratio | 1.50 | 1.70 | 1.57 | 1.97 | 2.00 |
| Debt-to-Capital Ratio | 0.60 | 0.63 | 0.61 | 0.66 | 0.67 |
| Long-Term Debt-to-Capital Ratio | 0.60 | 0.63 | 0.00 | 0.57 | 0.00 |
| Financial Leverage Ratio | 15.50 | 15.47 | 13.96 | 14.38 | 14.19 |
| Debt Service Coverage Ratio | 0.00 | 0.16 | -0.08 | -0.05 | 0.83 |
| Interest Coverage Ratio | 0.00 | 0.18 | 0.29 | 2.08 | 5.31 |
| Debt to Market Cap | 1.65 | 1.59 | 0.00 | 2.76 | 0.00 |
| Interest Debt Per Share | 17.43 | 26.01 | 22.67 | 24.49 | 24.25 |
| Net Debt to EBITDA | 16.08 | 14.17 | 0.00 | 0.00 | 32.34 |
| Profitability Margins | |||||
| Gross Profit Margin | 99.26% | 36.43% | 100.00% | 100.00% | 100.00% |
| EBIT Margin | 29.40% | 11.52% | -6.01% | -2.82% | 10.92% |
| EBITDA Margin | 29.40% | 13.81% | 0.00% | 0.00% | 15.91% |
| Operating Profit Margin | 29.40% | 11.52% | 48.60% | 18.68% | 33.32% |
| Pretax Profit Margin | 29.40% | 2.00% | 42.84% | 19.90% | 35.25% |
| Net Profit Margin | 20.80% | -1.85% | 29.29% | 13.65% | 24.53% |
| Continuous Operations Profit Margin | 20.80% | -1.85% | 29.29% | 13.65% | 24.53% |
| Net Income Per EBT | 70.75% | -92.21% | 68.36% | 68.57% | 69.59% |
| EBT Per EBIT | 100.00% | 17.39% | 88.14% | 106.51% | 105.81% |
| Return on Assets (ROA) | 0.36% | -0.09% | 0.56% | 0.50% | 0.51% |
| Return on Equity (ROE) | 5.57% | -1.46% | 7.75% | 7.25% | 7.27% |
| Return on Capital Employed (ROCE) | 2.96% | 3.25% | 1.78% | 1.34% | 1.44% |
| Return on Invested Capital (ROIC) | 2.10% | -3.00% | 1.22% | 0.85% | 1.00% |
| Return on Tangible Assets | 0.36% | -0.10% | 0.57% | 0.52% | 0.53% |
| Earnings Yield | 6.13% | -1.36% | 7.64% | 10.24% | 9.65% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 8.78 | 3.89 | 0.00 | 0.00 |
| Payables Turnover | 0.04 | 7.29 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 10.12 | 39.37 | 13.12 | 21.91 | 11.08 |
| Asset Turnover | 0.02 | 0.05 | 0.02 | 0.04 | 0.02 |
| Working Capital Turnover Ratio | -0.02 | -0.08 | -0.04 | -0.09 | -0.10 |
| Cash Conversion Cycle | -9300.64 | -8.47 | 93.73 | 0.00 | 0.00 |
| Days of Sales Outstanding | 0.00 | 41.59 | 93.73 | 0.00 | 0.00 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 9300.64 | 50.06 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 0.00 | 41.59 | 93.73 | 0.00 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 1.56 | 3.00 | -12.15 | 0.93 | 0.83 |
| Free Cash Flow Per Share | 1.50 | 2.97 | -9.52 | 0.88 | 0.81 |
| Dividend Paid and CapEx Coverage Ratio | 2.34 | 4.53 | -20.07 | 1.64 | 2.04 |
| Capital Expenditure Coverage Ratio | 30.69 | 92.74 | -279.13 | 17.22 | 32.07 |
| Operating Cash Flow Coverage Ratio | 0.09 | 0.15 | -0.69 | 0.04 | 0.03 |
| Operating Cash Flow to Sales Ratio | 0.50 | 0.32 | -4.08 | 0.14 | 0.23 |
| Free Cash Flow Yield | 14.26% | 23.48% | -83.32% | 10.23% | 8.91% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 16.23 | -74.35 | 13.09 | 9.77 | 10.36 |
| Price-to-Sales (P/S) Ratio | 3.39 | 1.36 | 3.83 | 1.33 | 2.54 |
| Price-to-Book (P/B) Ratio | 0.91 | 1.07 | 1.01 | 0.71 | 0.75 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 7.01 | 4.26 | -1.20 | 9.78 | 11.23 |
| Price-to-Operating Cash Flow Ratio | 6.78 | 4.21 | -0.94 | 9.21 | 10.87 |
| Price-to-Earnings Growth (PEG) Ratio | -0.03 | 0.63 | 1.44 | 0.00 | -1.02 |
| Enterprise Value Multiple | 27.62 | 24.02 | 0.00 | 0.00 | 48.32 |
| Enterprise Value | 14.65B | 17.44B | 16.30B | 11.69B | 15.29B |
| EV to EBITDA | 27.62 | 24.02 | 0.00 | 0.00 | 48.32 |
| EV to Sales | 8.12 | 3.32 | 8.76 | 3.21 | 7.69 |
| EV to Free Cash Flow | 16.78 | 10.39 | -2.74 | 23.54 | 33.94 |
| EV to Operating Cash Flow | 16.23 | 10.28 | -2.15 | 22.17 | 32.89 |
| Tangible Book Value Per Share | 9.15 | 9.26 | 8.20 | 6.16 | 6.06 |
| Shareholders’ Equity Per Share | 11.61 | 11.79 | 11.26 | 12.12 | 12.04 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.29 | 1.92 | 0.32 | 0.31 | 0.30 |
| Revenue Per Share | 3.11 | 9.29 | 2.98 | 6.44 | 3.57 |
| Net Income Per Share | 0.65 | -0.17 | 0.87 | 0.88 | 0.88 |
| Tax Burden | 0.71 | -0.92 | 0.68 | 0.69 | 0.70 |
| Interest Burden | 1.00 | 0.17 | -7.13 | -7.05 | 3.23 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.02 | 0.45 | 0.02 | 0.02 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 |
| Income Quality | 0.00 | -17.48 | -13.93 | 1.06 | 0.95 |
Currency in AUD