Bendigo and Adelaide Bank Limited (BXRBF)
NEUTRALFundamental
51
मूल्य
$10.85
मार्केट कैप
$5.89B
भाग 1 · कंपनी का मूल्य कितना है
अवलोकन
Bendigo and Adelaide Bank is an Australian retail and business bank built around a network of Community Bank branches — locally owned franchises that share profits with the towns they serve — plus Up, a separate digital-only bank aimed at younger customers. It takes deposits and makes home, business and agricultural loans across Australia, with the country's second-largest regional branch network and the only ASX100 head office based outside a state capital.
यह पैसा कैसे कमाती है
The bank earns net interest income on the spread between what it pays depositors and charges borrowers, plus fees from banking services; net interest margin was 1.88% in the 2025 financial year. Around three-quarters of its loan book is home mortgages, funded mostly by customer deposits rather than wholesale borrowing, which keeps funding costs relatively low but leaves earnings sensitive to how central bank rate cuts squeeze the gap between deposit and lending rates.
प्रतिस्पर्धी बढ़त (Moat)
ब्रांड · संकीर्णThe Community Bank model — local franchises that return a share of profit to their town rather than to shareholders alone — has built unusually high customer trust: Bendigo's Net Promoter Score sits about 36 points above the industry average, and its funding is 77% customer deposits versus lower shares at the major banks. That loyalty is real, but the underlying banking products are still substitutable.
मांग को क्या चलाता है
मध्यम रूप से चक्रीयLoan growth and credit quality follow the health of the Australian economy — unemployment, house prices and interest rates all move Bendigo's arrears and lending volumes — but a retail deposit-funded bank is more insulated from sudden shocks than a wholesale-funded lender. Residential mortgage arrears rose to 0.82% in the 2025 financial year, still low but trending up from a 2022 trough.
खरीदने के पक्ष में तर्क
Buyers argue that the Community Bank model gives Bendigo unusually loyal, low-cost deposit funding and a trust score well above the major banks, and that the Up digital brand is finally approaching profitability after six years of fast customer growth, giving the bank two distinct paths to growth.
बेचने के पक्ष में तर्क
Sellers fear that a $539.5 million goodwill impairment and rising operating expenses pushed the bank to a statutory loss in the 2025 financial year, and that margin pressure from falling interest rates will keep outpacing the cost savings management is promising for years to come.
Written by the editors, published on 18 अगस्त 2026
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बैलेंस शीट और तरलता
राजस्व
$1.66B
अंतिम प्रकाशित तिमाही तक के पिछले 12 महीने — प्रति शेयर मेट्रिक्स से अनुमानित
शुद्ध आय
$-109M
अंतिम प्रकाशित तिमाही तक के पिछले 12 महीने — प्रति शेयर मेट्रिक्स से अनुमानित
Free Cash Flow
$1.68B
कुल इक्विटी
$6.67B
कुल देनदारियाँ
$96.55B
Current Ratio
-
Interest Coverage
-
Debt/EBITDA
-
Earnings Per Share
राजस्व और शुद्ध आय
Free Cash Flow
आय विवरण
ऐतिहासिक विवरण
समय के साथ मार्जिन
समय के साथ ऋण
ऋण कितना भारी है
वृद्धि तालिका
वृद्धि — राजस्व
Fair Value अनुमान
Fair Value
$62.17
वर्तमान मूल्य
$10.85
Margin of Safety
+82.5%
Fair Value सीमा
$40.41 - $83.93
अनुमान विधियाँ
मूल्यांकन मेट्रिक्स
P/E Ratio
-
ROE
-1.5%
P/B Ratio
0.89
P/FCF
3.51
Gross Margin
-
ROIC
-
लाभप्रदता Radar
Value Creation (Economic Moat)
ROIC
-
WACC
3.9%
ROIC − WACC
-
Fundamental विश्लेषण मानदंड
पास (8)
- P/FCF 3.51
- P/B Ratio 0.89
- Operating Margin 37.3%
- Positive Free Cash Flow
- CapEx intensity
- DCF valuation (Undervalued)
- Revenue Growth 5Y 5.1%
- Share Dilution -0.2%
फेल (8)
- EPS shows upward trend
- Price CAGR -1.81%
- Debt/Equity ratio
- ROE -1.3%
- Analyst Consensus 11% Buy
- Earnings Surprise avg -4.1%
- Net Margin Trend -5.1% vs 27.0%
- Piotroski F-Score 3/9
अनुपलब्ध (11)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Interest Coverage
- Debt/EBITDA
- Return on Tangible Assets
- Low reliance on intangibles
- Price below Graham Number
- PEG Ratio (need PE > 0 and growth > 0)
- Earnings Quality (OCF/Net Income)
Piotroski F-Score
गंभीर वित्तीय चिंताएं
Earnings गुणवत्ता
निम्न गुणवत्ता: accounting की जांच करें
शेयर Dilution
शेयर वापस खरीद रही है। शेयरधारक अनुकूल
प्रशासन
कार्यकारी टीम
| नाम | पद | आयु |
|---|---|---|
| Mr. Richard Allan Fennell BEc, CA, MAICD | CEO, MD & Director | 56 |
| Mr. Andrew Robert Morgan B.Com., FCPA | Chief Financial Officer | - |
| Mr. Bruce Speirs BCom, CA, GAICD, MBA | Chief Operating Officer | - |
| Mr. Kieran O'Meara B.Sc. | Chief Technology Officer | - |
| Mr. Adam Rowse M.B.A. | Chief Customer Officer | - |
| Ms. Kerrie Noonan B.Com. | Chief Risk Officer | - |
| Samantha Miller | Head of Investor Relations & ESG | - |
| Mr. Steven J Blackburn B.A., J.D., L.L.B. | Chief Compliance, Financial Crime & Regulatory Affairs Officer | - |
| James Frost | Head of Public Relations | - |
| Ms. Sarah Bateson | Chief Marketing Officer | - |
Audit जोखिम
2
बोर्ड जोखिम
1
मुआवजा जोखिम
3
शेयरधारक अधिकार जोखिम
1
भाग 2 · कीमत और खरीदने का समय
यह हिस्सा यह नहीं बताता कि कंपनी अच्छी है या नहीं: यह तय करने में मदद करता है कि उसे कब खरीदें, जब फंडामेंटल आपको आश्वस्त कर चुके हों। इसमें: तकनीकी विश्लेषण, संभावना, ऐतिहासिक गिरावट, गामा एक्सपोज़र।
Latest News
Recent headlines for BXRBF, sourced from Markets Gazette.