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 how strategically is Bendigo and Adelaide Bank Ltd's equity deployed to assess the company's strategic physical and investment asset allocation.
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. See Bendigo and Adelaide Bank Ltd (BEN) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
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. For the full company profile including market capitalisation, see Bendigo and Adelaide Bank Ltd (BEN) market capitalisation.
| 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 | — |