Bendigo and Adelaide Bank Ltd (BEN) — Cash Flow-to-Debt Ratio
Bendigo and Adelaide Bank Ltd (BEN) has a Cash Flow-to-Debt Ratio of -0.01x as of June 2025, meaning its operating cash flow of AU$-663.30 Million could theoretically repay 0% of its total liabilities (AU$96.55 Billion) in one year. See how much free cash does Bendigo and Adelaide Bank Ltd generate to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Bendigo and Adelaide Bank Ltd Cash Flow-to-Debt Ratio (1991–2025)
Historical debt coverage capacity for Bendigo and Adelaide Bank Ltd across 35 annual periods. Also explore how fast is Bendigo and Adelaide Bank Ltd growing its equity to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Bendigo and Adelaide Bank Ltd (1991–2025)
Year-by-year debt coverage analysis for Bendigo and Adelaide Bank Ltd. For market capitalisation and broader financial context, see BEN market cap overview.
| Year | CF-to-Debt Ratio | Operating CF (AUD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | AU$1.70 Billion | AU$96.55 Billion | ▲ +121.1% |
| 2024 | -0.08x | AU$-7.59 Billion | AU$91.15 Billion | ▼ -233.8% |
| 2023 | 0.06x | AU$5.71 Billion | AU$91.63 Billion | ▲ +269.6% |
| 2022 | -0.04x | AU$-3.25 Billion | AU$88.53 Billion | ▼ -148.0% |
| 2021 | 0.08x | AU$6.13 Billion | AU$80.22 Billion | ▲ +1559.8% |
| 2020 | 0.00x | AU$323.50 Million | AU$70.22 Billion | ▲ +137.0% |
| 2019 | -0.01x | AU$-831.10 Million | AU$66.80 Billion | ▼ -804.7% |
| 2018 | 0.00x | AU$116.20 Million | AU$65.82 Billion | ▲ +106.8% |
| 2017 | -0.03x | AU$-1.72 Billion | AU$65.99 Billion | ▲ +49.7% |
| 2016 | -0.05x | AU$-3.29 Billion | AU$63.46 Billion | ▼ -307.8% |
| 2015 | 0.02x | AU$1.52 Billion | AU$61.09 Billion | ▲ +278.8% |
| 2014 | 0.01x | AU$395.40 Million | AU$60.10 Billion | ▲ +42.6% |
| 2013 | 0.00x | AU$257.60 Million | AU$55.85 Billion | ▲ +22.3% |
| 2012 | 0.00x | AU$199.90 Million | AU$53.02 Billion | ▼ -60.6% |
| 2011 | 0.01x | AU$488.20 Million | AU$50.97 Billion | ▲ +30.9% |
| 2010 | 0.01x | AU$353.00 Million | AU$48.24 Billion | ▲ +153.1% |
| 2009 | 0.00x | AU$127.20 Million | AU$44.00 Billion | ▼ -17.9% |
| 2008 | 0.00x | AU$157.90 Million | AU$44.84 Billion | ▼ -42.4% |
| 2007 | 0.01x | AU$97.80 Million | AU$15.99 Billion | ▼ -48.9% |
| 2006 | 0.01x | AU$171.20 Million | AU$14.30 Billion | ▲ +129.5% |
| 2005 | 0.01x | AU$65.30 Million | AU$12.51 Billion | ▼ -35.2% |
| 2004 | 0.01x | AU$85.40 Million | AU$10.61 Billion | ▼ -45.4% |
| 2003 | 0.01x | AU$128.43 Million | AU$8.70 Billion | ▲ +233.8% |
| 2002 | 0.00x | AU$33.04 Million | AU$7.47 Billion | ▼ -33.4% |
| 2001 | 0.01x | AU$43.52 Million | AU$6.56 Billion | ▼ -42.3% |
| 2000 | 0.01x | AU$53.21 Million | AU$4.62 Billion | ▲ +828.8% |
| 1999 | 0.00x | AU$-6.25 Million | AU$3.96 Billion | ▼ -108.5% |
| 1998 | 0.02x | AU$55.82 Million | AU$3.02 Billion | ▲ +378.2% |
| 1997 | 0.00x | AU$9.62 Million | AU$2.49 Billion | ▼ -63.9% |
| 1996 | 0.01x | AU$18.69 Million | AU$1.75 Billion | ▲ +35.0% |
| 1995 | 0.01x | AU$11.32 Million | AU$1.43 Billion | ▼ -23.4% |
| 1994 | 0.01x | AU$12.98 Million | AU$1.25 Billion | ▲ +64.0% |
| 1993 | 0.01x | AU$7.31 Million | AU$1.16 Billion | ▼ -32.7% |
| 1992 | 0.01x | AU$7.99 Million | AU$849.92 Million | ▼ -6.6% |
| 1991 | 0.01x | AU$6.10 Million | AU$607.03 Million | — |