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 BEN free cash flow debt coverage to measure the company's free cash flow as a share of total liabilities.
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. For the full cash flow conversion analysis, see Bendigo and Adelaide Bank Ltd operating cash flow efficiency.
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. Check Bendigo and Adelaide Bank Ltd earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |