Bendigo and Adelaide Bank (ASX:BENPD.PFD) OCF Margin %: -28.51% (As of Dec. 2025)


ASX:BENPD.PFD Bendigo and Adelaide Bank Ltd ASX:BENPD.PFD
59 GF Score
Price A$102.18
! 6 Warning Signs
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What is Bendigo and Adelaide Bank OCF Margin %?

Bendigo and Adelaide Bank ASX:BENPD.PFD 59 OCF Margin % is -28.51% as of Dec. 2025. GuruFocus rates ASX:BENPD.PFD with a GF Score™ of 59/100. The stock has 6 warning signs investors should review. Among 1,501 Banks companies, Bendigo and Adelaide Bank ranks worse than 86.28% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Bendigo and Adelaide Bank's Cash Flow from Operations for the six months ended in Dec. 2025 was A$-289.10 Mil. Bendigo and Adelaide Bank's Revenue for the six months ended in Dec. 2025 was A$1,014.00 Mil. Therefore, Bendigo and Adelaide Bank's OCF Margin % for the quarter that ended in Dec. 2025 was -28.51%.

As of today, Bendigo and Adelaide Bank's current OCF Yield % is -16.83%.

The historical rank and industry rank for Bendigo and Adelaide Bank's OCF Margin % or its related term are showing as below:


During the past 13 years, the highest OCF Margin % of Bendigo and Adelaide Bank was 343.64%. The lowest was -293.39%. And the median was 19.59%.

ASX:BENPD.PFD's OCF Margin % is not ranked *
in the Banks industry.
Industry Median: 29.44
* Ranked among companies with meaningful OCF Margin % only.

Bendigo and Adelaide Bank OCF Margin % Related Terms

Bendigo and Adelaide Bank OCF Margin % Historical Data

* Premium members only.

The historical data trend for Bendigo and Adelaide Bank's OCF Margin % can be seen below:

* 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 OCF Margin % Chart

Bendigo and Adelaide Bank Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 343.64 -194.24 300.75 -293.39 88.63

Bendigo and Adelaide Bank Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -317.04 -269.14 258.88 -72.37 -28.51
ASX:BENPD.PFD
59GF Score
Bendigo and Adelaide Bank Ltd ASX:BENPD.PFD
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Bendigo and Adelaide Bank OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Bendigo and Adelaide Bank's OCF Margin for the fiscal year that ended in Jun. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Jun. 2025 )/Revenue (A: Jun. 2025 )
=1697.1/1914.9
=88.63 %

Bendigo and Adelaide Bank's OCF Margin for the quarter that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-289.1/1014
=-28.51 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of -28.51% mean?
Bendigo and Adelaide Bank (ASX:BENPD.PFD) has a OCF Margin % of -28.51% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Bendigo and Adelaide Bank and its competitors. According to the industry distribution chart, Bendigo and Adelaide Bank ranks #1295 out of 1501 companies in the Banks industry, placing it in the top 86.3%.
Is Bendigo and Adelaide Bank's OCF Margin % too high?
Bendigo and Adelaide Bank's current OCF Margin % is -28.51%. Based on the distribution chart, Bendigo and Adelaide Bank ranks #1295 out of 1501 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bendigo and Adelaide Bank has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Bendigo and Adelaide Bank's OCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Bendigo and Adelaide Bank ranks #1295 out of 1501 companies for OCF Margin %. This places Bendigo and Adelaide Bank in the lower half of its industry. The industry median OCF Margin % is 29.44. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Bendigo and Adelaide Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bendigo and Adelaide Bank's current OCF Margin % is -28.51%. 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?
Bendigo and Adelaide Bank (ASX:BENPD.PFD) has a current OCF Margin % of -28.51%. The current OCF Margin % is -28.51%. Bendigo and Adelaide Bank's overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Bendigo and Adelaide Bank (ASX:BENPD.PFD), the current OCF Margin % is -28.51% 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.

Bendigo and Adelaide Bank Business Description

Address 22-44 Bath Lane, The Bendigo Centre, Bendigo, VIC, AUS, 3550
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.
59GF Score

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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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Price