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Also traded in: Australia, Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash-to-Debt 0.23
BXRBY's Cash-to-Debt is ranked lower than
86% of the 1482 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 1.92 vs. BXRBY: 0.23 )
Ranked among companies with meaningful Cash-to-Debt only.
BXRBY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.67 Max: No Debt
Current: 0.23
Equity-to-Asset 0.08
BXRBY's Equity-to-Asset is ranked lower than
72% of the 1484 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 0.10 vs. BXRBY: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
BXRBY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.06 Max: 0.08
Current: 0.08
0.05
0.08
Interest Coverage 0.41
BXRBY's Interest Coverage is ranked lower than
86% of the 1576 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 1.67 vs. BXRBY: 0.41 )
Ranked among companies with meaningful Interest Coverage only.
BXRBY' s Interest Coverage Range Over the Past 10 Years
Min: 0.05  Med: 0.22 Max: 0.41
Current: 0.41
0.05
0.41
Piotroski F-Score: 3
Beneish M-Score: -2.46
WACC vs ROIC
15.01%
4.73%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 38.57
BXRBY's Operating Margin % is ranked higher than
71% of the 1497 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 30.60 vs. BXRBY: 38.57 )
Ranked among companies with meaningful Operating Margin % only.
BXRBY' s Operating Margin % Range Over the Past 10 Years
Min: 13.65  Med: 32.99 Max: 39.11
Current: 38.57
13.65
39.11
Net Margin % 26.56
BXRBY's Net Margin % is ranked higher than
67% of the 1496 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 21.84 vs. BXRBY: 26.56 )
Ranked among companies with meaningful Net Margin % only.
BXRBY' s Net Margin % Range Over the Past 10 Years
Min: 9.59  Med: 23.81 Max: 27.68
Current: 26.56
9.59
27.68
ROE % 7.71
BXRBY's ROE % is ranked lower than
55% of the 1495 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 8.26 vs. BXRBY: 7.71 )
Ranked among companies with meaningful ROE % only.
BXRBY' s ROE % Range Over the Past 10 Years
Min: 2.33  Med: 7.89 Max: 12.21
Current: 7.71
2.33
12.21
ROA % 0.61
BXRBY's ROA % is ranked lower than
66% of the 1504 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 0.87 vs. BXRBY: 0.61 )
Ranked among companies with meaningful ROA % only.
BXRBY' s ROA % Range Over the Past 10 Years
Min: 0.18  Med: 0.6 Max: 0.76
Current: 0.61
0.18
0.76
3-Year EBITDA Growth Rate 2.10
BXRBY's 3-Year EBITDA Growth Rate is ranked lower than
64% of the 1210 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 6.10 vs. BXRBY: 2.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
BXRBY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -22.4  Med: 5.3 Max: 19.6
Current: 2.1
-22.4
19.6
3-Year EPS without NRI Growth Rate 1.40
BXRBY's 3-Year EPS without NRI Growth Rate is ranked lower than
67% of the 1174 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 7.30 vs. BXRBY: 1.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
BXRBY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -31  Med: 7.4 Max: 24.3
Current: 1.4
-31
24.3
GuruFocus has detected 6 Warning Signs with Bendigo and Adelaide Bank Ltd $BXRBY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» BXRBY's 10-Y Financials

Financials (Next Earnings Date: 2017-08-08 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Preferred stocks of Bendigo and Adelaide Bank Ltd

SymbolPriceYieldDescription
BENPC.Australia100.333.08
BENPE.Australia100.405.47Pref.Shs 2014-Mandatory Conv.30.11.22
BENPB.Australia0.004.10
BENPD.Australia104.487.01Pref.Shs 2012- Without Fix Maturity VRN comprising of a Pref Shs
BENHB.Australia70.604.19Hybrid Securities
BENPF.Australia102.586.20Pref.Shs 2015-Mandatory Conv.15.6.23

Business Description

Industry: Banks » Banks - Regional - Australia    NAICS: 522110 
Compare:OTCPK:BKQNY » details
Traded in other countries:BEN.Australia, BDJ.Germany,
Bendigo and Adelaide Bank Ltd provides a range of banking and other financial services, including retail banking, mortgage distribution through third parties, business banking, commercial finance and wealth management.

Founded in 1858 as the Bendigo Building Society as a leading regional bank operating in the consumer, small-business, and rural banking sectors, Bendigo gained public goodwill after rolling out branches in locations deserted by major banks in the late 1990s and early 2000s. The Adelaide Bank merger in 2007 diversified the bank into wholesale banking, while expanding the geographical footprint. It is a conservatively managed retail bank with a long history, a well-regarded retail franchise, and high levels of customer and shareholder loyalty.

Ratios

vs
industry
vs
history
PE Ratio 14.49
BXRBY's PE Ratio is ranked lower than
51% of the 1638 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 14.36 vs. BXRBY: 14.49 )
Ranked among companies with meaningful PE Ratio only.
BXRBY' s PE Ratio Range Over the Past 10 Years
Min: 7.93  Med: 15.02 Max: 40.12
Current: 14.49
7.93
40.12
Forward PE Ratio 11.86
BXRBY's Forward PE Ratio is ranked higher than
75% of the 407 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 16.26 vs. BXRBY: 11.86 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 14.49
BXRBY's PE Ratio without NRI is ranked higher than
51% of the 1595 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 14.62 vs. BXRBY: 14.49 )
Ranked among companies with meaningful PE Ratio without NRI only.
BXRBY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.93  Med: 15.02 Max: 40.12
Current: 14.49
7.93
40.12
Price-to-Owner-Earnings 13.59
BXRBY's Price-to-Owner-Earnings is ranked higher than
55% of the 860 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 14.74 vs. BXRBY: 13.59 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
BXRBY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.49  Med: 13.97 Max: 37.45
Current: 13.59
7.49
37.45
PB Ratio 1.05
BXRBY's PB Ratio is ranked higher than
58% of the 1552 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 1.17 vs. BXRBY: 1.05 )
Ranked among companies with meaningful PB Ratio only.
BXRBY' s PB Ratio Range Over the Past 10 Years
Min: 0.53  Med: 1.01 Max: 3.07
Current: 1.05
0.53
3.07
PS Ratio 3.87
BXRBY's PS Ratio is ranked lower than
60% of the 1539 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 3.41 vs. BXRBY: 3.87 )
Ranked among companies with meaningful PS Ratio only.
BXRBY' s PS Ratio Range Over the Past 10 Years
Min: 1.58  Med: 3.29 Max: 4.82
Current: 3.87
1.58
4.82
Price-to-Free-Cash-Flow 21.62
BXRBY's Price-to-Free-Cash-Flow is ranked lower than
80% of the 854 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 13.08 vs. BXRBY: 21.62 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
BXRBY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.63  Med: 16.14 Max: 42.29
Current: 21.62
5.63
42.29
Price-to-Operating-Cash-Flow 20.52
BXRBY's Price-to-Operating-Cash-Flow is ranked lower than
83% of the 920 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 11.36 vs. BXRBY: 20.52 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BXRBY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.42  Med: 13.48 Max: 25.54
Current: 20.52
5.42
25.54
EV-to-EBIT 15.25
BXRBY's EV-to-EBIT is ranked lower than
59% of the 1204 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 12.59 vs. BXRBY: 15.25 )
Ranked among companies with meaningful EV-to-EBIT only.
BXRBY' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.8  Med: 23.8 Max: 107.2
Current: 15.25
8.8
107.2
EV-to-EBITDA 13.93
BXRBY's EV-to-EBITDA is ranked lower than
58% of the 1219 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 11.36 vs. BXRBY: 13.93 )
Ranked among companies with meaningful EV-to-EBITDA only.
BXRBY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 8  Med: 21.4 Max: 75
Current: 13.93
8
75
PEG Ratio 4.24
BXRBY's PEG Ratio is ranked lower than
83% of the 767 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 1.42 vs. BXRBY: 4.24 )
Ranked among companies with meaningful PEG Ratio only.
BXRBY' s PEG Ratio Range Over the Past 10 Years
Min: 0.48  Med: 1.35 Max: 21.21
Current: 4.24
0.48
21.21
Shiller PE Ratio 15.67
BXRBY's Shiller PE Ratio is ranked higher than
72% of the 488 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 21.69 vs. BXRBY: 15.67 )
Ranked among companies with meaningful Shiller PE Ratio only.
BXRBY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.88  Med: 15.27 Max: 32.28
Current: 15.67
9.88
32.28

Buy Back

vs
industry
vs
history
3-Year Dividend Growth Rate 3.70
BXRBY's 3-Year Dividend Growth Rate is ranked lower than
64% of the 771 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 7.60 vs. BXRBY: 3.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
BXRBY' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -6.9  Med: 9.9 Max: 16.6
Current: 3.7
-6.9
16.6
3-Year Average Share Buyback Ratio -4.00
BXRBY's 3-Year Average Share Buyback Ratio is ranked lower than
62% of the 997 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: -1.60 vs. BXRBY: -4.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BXRBY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -35.3  Med: -8.9 Max: -1.1
Current: -4
-35.3
-1.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.52
BXRBY's Price-to-Tangible-Book is ranked lower than
63% of the 1534 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 1.24 vs. BXRBY: 1.52 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
BXRBY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.2  Med: 1.77 Max: 2.63
Current: 1.52
1.2
2.63
Price-to-Graham-Number 0.99
BXRBY's Price-to-Graham-Number is ranked lower than
52% of the 1344 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 0.96 vs. BXRBY: 0.99 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BXRBY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.82  Med: 1.2 Max: 1.58
Current: 0.99
0.82
1.58
Earnings Yield (Greenblatt) % 6.56
BXRBY's Earnings Yield (Greenblatt) % is ranked higher than
55% of the 1560 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 5.77 vs. BXRBY: 6.56 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BXRBY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.9  Med: 4.2 Max: 11.4
Current: 6.56
0.9
11.4
Forward Rate of Return (Yacktman) % 10.41
BXRBY's Forward Rate of Return (Yacktman) % is ranked lower than
53% of the 885 Companies
in the Global Banks - Regional - Australia industry.

( Industry Median: 11.32 vs. BXRBY: 10.41 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
BXRBY' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -0.7  Med: 9.7 Max: 28.4
Current: 10.41
-0.7
28.4

More Statistics

Short Percentage of Float0.00%
Shares Outstanding (Mil)237.28

Analyst Estimate

Jun17 Jun18 Jun19
Revenue (Mil $) 1,219 1,243 1,313
EPS ($) 1.42 1.45 1.62
EPS without NRI ($) 1.42 1.45 1.62
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 1.04 1.07 1.14

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