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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Bendigo and Adelaide Bank's Total Liabilities for the quarter that ended in Dec. 2025 was $62,895 Mil. Bendigo and Adelaide Bank's Total Assets for the quarter that ended in Dec. 2025 was $67,309 Mil.
Therefore, Bendigo and Adelaide Bank's Liabilities-to-Assets Ratio for the quarter that ended in Dec. 2025 was 0.93.
Bendigo and Adelaide Bank (OTCPK:BXRBF) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Bendigo and Adelaide Bank Liabilities-to-Assets Related Terms
Bendigo and Adelaide Bank Liabilities-to-Assets Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bendigo and Adelaide Bank Liabilities-to-Assets Chart
BXRBF vs PNC, USB: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Bendigo and Adelaide Bank's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bendigo and Adelaide Bank Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Bendigo and Adelaide Bank's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Bendigo and Adelaide Bank's Liabilities-to-Assets falls into.
Bendigo and Adelaide Bank Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Bendigo and Adelaide Bank's Liabilities-to-Assets Ratio for the fiscal year that ended in Jun. 2025 is calculated as:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bendigo and Adelaide Bank (BXRBF) has a Liabilities-to-Assets of 0.93 as of Dec. 2025. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Bendigo and Adelaide Bank and its competitors.
Is Bendigo and Adelaide Bank's Liabilities-to-Assets too high?
Bendigo and Adelaide Bank's current Liabilities-to-Assets is 0.93. Overall, Bendigo and Adelaide Bank has a GF Score™ of 51/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bendigo and Adelaide Bank's Liabilities-to-Assets compare to PNC and USB?
Bendigo and Adelaide Bank's Liabilities-to-Assets of 0.93 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Bendigo and Adelaide Bank and its competitors. Bendigo and Adelaide Bank's current Liabilities-to-Assets is 0.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bendigo and Adelaide Bank stock overvalued right now?
Based on GuruFocus' analysis, Bendigo and Adelaide Bank (BXRBF) is currently considered Fairly Valued. The stock's GF Value™ is $8.17, compared to a current price of $7.71 — trading 5.6% below its estimated fair value. The current Liabilities-to-Assets is 0.93. Bendigo and Adelaide Bank's overall GF Score™ is 51/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Bendigo and Adelaide Bank (BXRBF), the current Liabilities-to-Assets is 0.93 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bendigo and Adelaide Bank (BXRBF) Overvalued in 2026?
Based on GuruFocus' analysis, Bendigo and Adelaide Bank stock appears to be undervalued.
The current stock price of $7.71 is trading 5.6% below its estimated GF Value™ of $8.17.
GuruFocus considers Bendigo and Adelaide Bank to be Fairly Valued.
Key valuation signals for BXRBF:
Liabilities-to-Assets: 0.93
GF Value™: $8.17 vs. price of $7.71 (5.6% below fair value)
No single metric tells the full story. See the BXRBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
51GF Score
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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