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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Bendigo and Adelaide Bank has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Bendigo and Adelaide Bank Ltd displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Bendigo and Adelaide Bank's interest coverage with the available data.
Bendigo and Adelaide Bank's debt to revenue ratio for the quarter that ended in Dec. 2025 was 4.67.
Altman Z-Score does not apply to banks and insurance companies.
Bendigo and Adelaide Bank (OTCPK:BXRBF) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Bendigo and Adelaide Bank has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Bendigo and Adelaide Bank Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 Financial Strength of 2 as of Dec. 2025. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Bendigo and Adelaide Bank and its competitors. This is 33% below median its historical median of 3.00. Over the past decade, Bendigo and Adelaide Bank's Financial Strength has ranged from 2.00 to 4.00.
Is Bendigo and Adelaide Bank's Financial Strength too high?
Bendigo and Adelaide Bank's current Financial Strength of 2 is 33% below median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 4.00. Overall, Bendigo and Adelaide Bank has a GF Score™ of 47/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bendigo and Adelaide Bank's Financial Strength compare to PNC and USB?
Bendigo and Adelaide Bank's Financial Strength of 2 can be compared against companies in the Banks industry. Historically, Bendigo and Adelaide Bank's own Financial Strength has ranged from 2.00 to 4.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Bendigo and Adelaide Bank and its competitors. Bendigo and Adelaide Bank's current Financial Strength is 2, which is 33% below median its own 10-year median of 3.00. 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 $8.46, compared to a current price of $7.71 — trading 8.9% below its estimated fair value. The current Financial Strength is 2, which is 33% below median its 10-year median of 3.00. Bendigo and Adelaide Bank's overall GF Score™ is 47/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Bendigo and Adelaide Bank (BXRBF), the current Financial Strength is 2 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 8.9% below its estimated GF Value™ of $8.46.
GuruFocus considers Bendigo and Adelaide Bank to be Fairly Valued.
Key valuation signals for BXRBF:
Financial Strength: 2 (33% below median its 10-year median of 3.00)
GF Value™: $8.46 vs. price of $7.71 (8.9% 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.
47GF Score
Get the complete analysis for BXRBF
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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