Bendigo and Adelaide Bank Ltd Financial Flexibility Index
Bendigo and Adelaide Bank Ltd financial flexibility index. Bendigo and Adelaide Bank Ltd (BEN) has a Financial Flexibility Index of -0.01x as of June 2025. Free cash flow of AU$-653.80 Million (operating CF AU$-663.30 Million minus capex AU$9.50 Million) represents 0% of total liabilities (AU$96.55 Billion). 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.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Bendigo and Adelaide Bank Ltd (1991–2025)
Financial flexibility index of Bendigo and Adelaide Bank Ltd from 1991 to 2025. Historical Financial Flexibility Index trend for Bendigo and Adelaide Bank Ltd across 35 annual periods. Check BEN operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.
Bendigo and Adelaide Bank Ltd Financial Flexibility Index by Year (1991–2025)
Bendigo and Adelaide Bank Ltd financial flexibility index by year from 1991 to 2025. Year-by-year free cash flow to debt coverage for Bendigo and Adelaide Bank Ltd. For the full cash flow conversion analysis, see Bendigo and Adelaide Bank Ltd cash flow conversion.
| Year | Flexibility Index | Free Cash Flow (AUD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | AU$1.72 Billion | AU$1.70 Billion | AU$96.55 Billion | ▲ +121.4% |
| 2024 | -0.08x | AU$-7.57 Billion | AU$-7.59 Billion | AU$91.15 Billion | ▼ -232.6% |
| 2023 | 0.06x | AU$5.74 Billion | AU$5.71 Billion | AU$91.63 Billion | ▲ +271.3% |
| 2022 | -0.04x | AU$-3.24 Billion | AU$-3.25 Billion | AU$88.53 Billion | ▼ -147.6% |
| 2021 | 0.08x | AU$6.16 Billion | AU$6.13 Billion | AU$80.22 Billion | ▲ +1399.5% |
| 2020 | 0.01x | AU$359.30 Million | AU$323.50 Million | AU$70.22 Billion | ▲ +141.8% |
| 2019 | -0.01x | AU$-818.50 Million | AU$-831.10 Million | AU$66.80 Billion | ▼ -712.8% |
| 2018 | 0.00x | AU$131.60 Million | AU$116.20 Million | AU$65.82 Billion | ▲ +107.7% |
| 2017 | -0.03x | AU$-1.71 Billion | AU$-1.72 Billion | AU$65.99 Billion | ▲ +49.8% |
| 2016 | -0.05x | AU$-3.27 Billion | AU$-3.29 Billion | AU$63.46 Billion | ▼ -303.4% |
| 2015 | 0.03x | AU$1.55 Billion | AU$1.52 Billion | AU$61.09 Billion | ▲ +239.5% |
| 2014 | 0.01x | AU$448.70 Million | AU$395.40 Million | AU$60.10 Billion | ▲ +54.1% |
| 2013 | 0.00x | AU$270.60 Million | AU$257.60 Million | AU$55.85 Billion | ▲ +13.0% |
| 2012 | 0.00x | AU$227.40 Million | AU$199.90 Million | AU$53.02 Billion | ▼ -56.9% |
| 2011 | 0.01x | AU$507.70 Million | AU$488.20 Million | AU$50.97 Billion | ▲ +29.6% |
| 2010 | 0.01x | AU$370.80 Million | AU$353.00 Million | AU$48.24 Billion | ▲ +83.7% |
| 2009 | 0.00x | AU$184.10 Million | AU$127.20 Million | AU$44.00 Billion | ▼ -23.1% |
| 2008 | 0.01x | AU$244.00 Million | AU$157.90 Million | AU$44.84 Billion | ▼ -59.9% |
| 2007 | 0.01x | AU$217.20 Million | AU$97.80 Million | AU$15.99 Billion | ▼ -13.6% |
| 2006 | 0.02x | AU$224.80 Million | AU$171.20 Million | AU$14.30 Billion | ▲ +121.8% |
| 2005 | 0.01x | AU$88.70 Million | AU$65.30 Million | AU$12.51 Billion | ▼ -29.3% |
| 2004 | 0.01x | AU$106.30 Million | AU$85.40 Million | AU$10.61 Billion | ▼ -39.8% |
| 2003 | 0.02x | AU$144.90 Million | AU$128.43 Million | AU$8.70 Billion | ▲ +149.9% |
| 2002 | 0.01x | AU$49.78 Million | AU$33.04 Million | AU$7.47 Billion | ▼ -18.1% |
| 2001 | 0.01x | AU$53.35 Million | AU$43.52 Million | AU$6.56 Billion | ▼ -40.3% |
| 2000 | 0.01x | AU$62.99 Million | AU$53.21 Million | AU$4.62 Billion | ▲ +7561.3% |
| 1999 | 0.00x | AU$-723.00K | AU$-6.25 Million | AU$3.96 Billion | ▼ -100.9% |
| 1998 | 0.02x | AU$59.30 Million | AU$55.82 Million | AU$3.02 Billion | ▲ +206.7% |
| 1997 | 0.01x | AU$15.94 Million | AU$9.62 Million | AU$2.49 Billion | ▼ -60.2% |
| 1996 | 0.02x | AU$28.08 Million | AU$18.69 Million | AU$1.75 Billion | ▲ +40.0% |
| 1995 | 0.01x | AU$16.39 Million | AU$11.32 Million | AU$1.43 Billion | ▼ -28.2% |
| 1994 | 0.02x | AU$20.05 Million | AU$12.98 Million | AU$1.25 Billion | ▲ +85.9% |
| 1993 | 0.01x | AU$9.95 Million | AU$7.31 Million | AU$1.16 Billion | ▼ -38.2% |
| 1992 | 0.01x | AU$11.85 Million | AU$7.99 Million | AU$849.92 Million | ▲ +38.0% |
| 1991 | 0.01x | AU$6.13 Million | AU$6.10 Million | AU$607.03 Million | — |