Bendigo and Adelaide Bank Ltd (BEN) — 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). Check Bendigo and Adelaide Bank Ltd total reinvestment intensity to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Bendigo and Adelaide Bank Ltd Financial Flexibility Index (1991–2025)
Historical Financial Flexibility Index trend for Bendigo and Adelaide Bank Ltd across 35 annual periods. For the full cash flow conversion analysis, see Bendigo and Adelaide Bank Ltd cash flow conversion.
Annual Financial Flexibility Index for Bendigo and Adelaide Bank Ltd (1991–2025)
Year-by-year free cash flow to debt coverage for Bendigo and Adelaide Bank Ltd. Explore BEN debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
| 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 | — |