BXRBF (Bendigo and Adelaide Bank) Dividend Payout Ratio: 0.89 (As of Dec. 2025) — Near Median

What is Bendigo and Adelaide Bank Dividend Payout Ratio?

Bendigo and Adelaide Bank BXRBF 55 Dividend Payout Ratio is 0.89 as of Dec. 2025, which is 2% above its 10-year median of 0.87. GuruFocus rates BXRBF with a GF Score™ of 55/100 and a GF Value™ of $8.33 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 1,168 Banks companies, Bendigo and Adelaide Bank ranks worse than 98.2% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Bendigo and Adelaide Bank's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.89.

Warning Sign:

If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of Bendigo and Adelaide Bank Ltd is 1.29, which seems too high.

The historical rank and industry rank for Bendigo and Adelaide Bank's Dividend Payout Ratio or its related term are showing as below:

BXRBF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.41 Med: 0.87 Max: 1.48
Current: 1.28

During the past 13 years, the highest Dividend Payout Ratio of Bendigo and Adelaide Bank was 1.48. The lowest was 0.41. And the median was 0.87.

BXRBF's Dividend Payout Ratio is ranked worse than
98.2% of 1168 companies
in the Banks industry
Industry Median: 0.32 vs BXRBF: 1.28

As of today (2026-06-27), the Dividend Yield % of Bendigo and Adelaide Bank is 5.77%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Bendigo and Adelaide Bank was 12.57%. The lowest was 2.52%. And the median was 6.01%.

Bendigo and Adelaide Bank's Dividends per Share for the months ended in Dec. 2025 was $0.22.

During the past 3 years, the average Dividends Per Share Growth Rate was 5.90% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 6.50% per year. During the past 10 years, the average Dividends Per Share Growth Rate was -2.30% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Bendigo and Adelaide Bank was 32.40% per year. The lowest was -26.00% per year. And the median was 3.45% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Bendigo and Adelaide Bank (OTCPK:BXRBF) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Bendigo and Adelaide Bank Dividend Payout Ratio Related Terms

Bendigo and Adelaide Bank Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Bendigo and Adelaide Bank's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

Bendigo and Adelaide Bank Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

Dividend Payout Ratio

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0.41

0.72

0.66

0.77

1.15

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
Dividend Payout Ratio	Get a 7-Day Free Trial															0.83	0.72	0.81	2.57	0.89

BXRBF vs PNC, USB: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Bendigo and Adelaide Bank's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Bendigo and Adelaide Bank's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Bendigo and Adelaide Bank's Dividend Payout Ratio falls into.

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55GF Score

Bendigo and Adelaide Bank Ltd BXRBF

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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Bendigo and Adelaide Bank Dividend Payout Ratio Calculation

Bendigo and Adelaide Bank's Dividend Payout Ratio for the fiscal year that ended in Jun. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Jun. 2025 )	/	EPS without NRI (A: Jun. 2025 )
	=	0.41	/	0.358
	=	1.15

Bendigo and Adelaide Bank's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Dec. 2025 )	/	EPS without NRI (Q: Dec. 2025 )
	=	0.219	/	0.247
	=	0.89

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 0.89 mean?

Bendigo and Adelaide Bank (BXRBF) has a Dividend Payout Ratio of 0.89 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Bendigo and Adelaide Bank and its competitors. This is near median its historical median of 0.87. Over the past decade, Bendigo and Adelaide Bank's Dividend Payout Ratio has ranged from 0.41 to 1.48. According to the industry distribution chart, Bendigo and Adelaide Bank ranks #1147 out of 1168 companies in the Banks industry, placing it in the top 98.2%.

Is Bendigo and Adelaide Bank's Dividend Payout Ratio too high?

Bendigo and Adelaide Bank's current Dividend Payout Ratio of 0.89 is near median its 10-year median of 0.87. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 1.48. The Banks industry median Dividend Payout Ratio is 0.32. Bendigo and Adelaide Bank's value of 0.89 is 178.1% above this industry median. Based on the distribution chart, Bendigo and Adelaide Bank ranks #1147 out of 1168 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bendigo and Adelaide Bank has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.

How does Bendigo and Adelaide Bank's Dividend Payout Ratio compare to PNC and USB?

According to the Banks industry distribution chart, Bendigo and Adelaide Bank ranks #1147 out of 1168 companies for Dividend Payout Ratio. This places Bendigo and Adelaide Bank in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Bendigo and Adelaide Bank's value of 0.89 is 178.1% above this benchmark. Historically, Bendigo and Adelaide Bank's own Dividend Payout Ratio has ranged from 0.41 to 1.48 over the past decade. While the company's 10-year median is 0.87 vs. the industry median of 0.32, Bendigo and Adelaide Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good Dividend Payout Ratio for a Banks company?

The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bendigo and Adelaide Bank's current Dividend Payout Ratio of 0.89 is 178.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high Dividend Payout Ratio mean?

A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Bendigo and Adelaide Bank and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bendigo and Adelaide Bank's current Dividend Payout Ratio is 0.89, which is near median its own 10-year median of 0.87. 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 Modestly Undervalued. The stock's GF Value™ is $8.33, compared to a current price of $7.32 — trading 12.1% below its estimated fair value. The current Dividend Payout Ratio is 0.89, which is near median its 10-year median of 0.87 and 178.1% above the Banks industry median of 0.32. Bendigo and Adelaide Bank's overall GF Score™ is 55/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Dividend Payout Ratio calculated?

Dividend Payout Ratio is calculated from a company's financial statements. For Bendigo and Adelaide Bank (BXRBF), the current Dividend Payout Ratio is 0.89 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 $7.32 is trading 12.1% below its estimated GF Value™ of $8.33. GuruFocus considers Bendigo and Adelaide Bank to be Modestly Undervalued.

Key valuation signals for BXRBF:

Dividend Payout Ratio: 0.89 (near median its 10-year median of 0.87)
GF Value™: $8.33 vs. price of $7.32 (12.1% below fair value)
GF Score™: 55/100 with 6 warning signs
Industry Position: 178.1% above the Banks median (#1147 of 1168)

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.

Bendigo and Adelaide Bank Business Description

Industry Financial Services Banks

Comparable Companies ASX:BOQ ASX:BFL ASX:JDO ASX:MYS ASX:BBC SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK NSE:SBIN PNC BSP:ITUB3 HKSE:01658 USB

Other Exchanges BDJ:Germany BENPH.PFD:Australia BEN:Australia

Address 22-44 Bath Lane, The Bendigo Centre, Bendigo, VIC, AUS, 3550

Website https://www.bendigoadelaide.com.au

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.

55GF Score

Get the complete analysis for BXRBF

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$7.32

Price

$8.33

GF Value

View BXRBF Analysis

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