Bendigo and Adelaide Bank Ltd (BEN) — Cash Flow Quality Index
Bendigo and Adelaide Bank Ltd (BEN) has a Cash Flow Quality Index of -5.09x as of December 2024. Operating cash flow of AU$-1.10 Billion is below net income of AU$216.80 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore cash flow to debt ratio of Bendigo and Adelaide Bank Ltd to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Bendigo and Adelaide Bank Ltd Cash Flow Quality Index (1991–2024)
Historical Cash Flow Quality Index for Bendigo and Adelaide Bank Ltd across 34 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see BEN cash flow metrics.
Annual Cash Flow Quality Index for Bendigo and Adelaide Bank Ltd (1991–2024)
Year-by-year earnings quality comparison for Bendigo and Adelaide Bank Ltd.
| Year | Quality Index | Operating CF (AUD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | -13.93x | AU$-7.59 Billion | AU$545.00 Million | ▼ -221.3% |
| 2023 | 11.48x | AU$5.71 Billion | AU$497.00 Million | ▲ +272.4% |
| 2022 | -6.66x | AU$-3.25 Billion | AU$488.10 Million | ▼ -156.9% |
| 2021 | 11.71x | AU$6.13 Billion | AU$524.00 Million | ▲ +597.7% |
| 2020 | 1.68x | AU$323.50 Million | AU$192.80 Million | ▲ +176.1% |
| 2019 | -2.21x | AU$-831.10 Million | AU$376.80 Million | ▼ -924.8% |
| 2018 | 0.27x | AU$116.20 Million | AU$434.50 Million | ▲ +106.7% |
| 2017 | -4.00x | AU$-1.72 Billion | AU$429.60 Million | ▲ +49.4% |
| 2016 | -7.91x | AU$-3.29 Billion | AU$415.60 Million | ▼ -320.2% |
| 2015 | 3.59x | AU$1.52 Billion | AU$423.90 Million | ▲ +238.1% |
| 2014 | 1.06x | AU$395.40 Million | AU$372.30 Million | ▲ +45.2% |
| 2013 | 0.73x | AU$257.60 Million | AU$352.30 Million | ▼ -28.7% |
| 2012 | 1.03x | AU$199.90 Million | AU$195.00 Million | ▼ -28.2% |
| 2011 | 1.43x | AU$488.20 Million | AU$342.10 Million | ▼ -1.9% |
| 2010 | 1.46x | AU$353.00 Million | AU$242.60 Million | ▼ -4.1% |
| 2009 | 1.52x | AU$127.20 Million | AU$83.80 Million | ▲ +63.9% |
| 2008 | 0.93x | AU$157.90 Million | AU$170.50 Million | ▲ +15.3% |
| 2007 | 0.80x | AU$97.80 Million | AU$121.80 Million | ▼ -45.3% |
| 2006 | 1.47x | AU$171.20 Million | AU$116.70 Million | ▲ +103.1% |
| 2005 | 0.72x | AU$65.30 Million | AU$90.40 Million | ▼ -32.5% |
| 2004 | 1.07x | AU$85.40 Million | AU$79.80 Million | ▼ -50.8% |
| 2003 | 2.18x | AU$128.43 Million | AU$59.00 Million | ▲ +221.4% |
| 2002 | 0.68x | AU$33.04 Million | AU$48.78 Million | ▼ -48.2% |
| 2001 | 1.31x | AU$43.52 Million | AU$33.28 Million | ▼ -47.6% |
| 2000 | 2.50x | AU$53.21 Million | AU$21.31 Million | ▲ +886.6% |
| 1999 | -0.32x | AU$-6.25 Million | AU$19.70 Million | ▼ -108.1% |
| 1998 | 3.93x | AU$55.82 Million | AU$14.19 Million | ▲ +351.4% |
| 1997 | 0.87x | AU$9.62 Million | AU$11.04 Million | ▼ -36.7% |
| 1996 | 1.38x | AU$18.69 Million | AU$13.59 Million | ▼ -19.7% |
| 1995 | 1.71x | AU$11.32 Million | AU$6.60 Million | ▲ +22.1% |
| 1994 | 1.40x | AU$12.98 Million | AU$9.25 Million | ▼ -13.2% |
| 1993 | 1.62x | AU$7.31 Million | AU$4.52 Million | ▲ +20.5% |
| 1992 | 1.34x | AU$7.99 Million | AU$5.95 Million | ▼ -7.3% |
| 1991 | 1.45x | AU$6.10 Million | AU$4.21 Million | — |