Bendigo and Adelaide Bank Ltd (BEN) — Working Capital to Net Assets Ratio
Bendigo and Adelaide Bank Ltd (BEN) has a Working Capital to Net Assets ratio of -1242.0% as of June 2025. Working capital of AU$-82.85 Billion (current assets of AU$1.74 Billion minus current liabilities of AU$84.58 Billion) is measured against net assets of AU$6.67 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. See Bendigo and Adelaide Bank Ltd (BEN) flexibility index to measure the company's free cash flow as a share of total liabilities.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Bendigo and Adelaide Bank Ltd Working Capital to Net Assets (1991–2025)
This chart shows how Bendigo and Adelaide Bank Ltd's Working Capital to Net Assets ratio has evolved across 35 annual periods from 1991 to 2025. As of June 2025, the ratio stands at -1242.0%, reflecting working capital of AU$-82.85 Billion against net assets of AU$6.67 Billion AUD. See BEN days of operational coverage to measure how many days the company can operate on defensive assets alone.
Annual Working Capital to Net Assets for Bendigo and Adelaide Bank Ltd (1991–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Bendigo and Adelaide Bank Ltd from 1991 to 2025, covering 35 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see how much is Bendigo and Adelaide Bank Ltd worth.
| Year | WC/NA Ratio | Working Capital (AUD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -1242.0% | AU$-82.85 Billion | AU$6.67 Billion | AU$1.74 Billion | AU$84.58 Billion | ▼ -603.2 pp |
| 2024 | -638.8% | AU$-44.94 Billion | AU$7.03 Billion | AU$2.52 Billion | AU$47.46 Billion | ▼ -73.3 pp |
| 2023 | -565.5% | AU$-38.74 Billion | AU$6.85 Billion | AU$8.96 Billion | AU$47.70 Billion | ▲ +110.8 pp |
| 2022 | -676.3% | AU$-45.39 Billion | AU$6.71 Billion | AU$3.90 Billion | AU$49.29 Billion | ▼ -783.9 pp |
| 2021 | 107.6% | AU$6.83 Billion | AU$6.35 Billion | AU$7.41 Billion | AU$576.50 Million | ▲ +98.4 pp |
| 2020 | 9.2% | AU$530.80 Million | AU$5.80 Billion | AU$1.50 Billion | AU$970.80 Million | ▼ -2.1 pp |
| 2019 | 11.3% | AU$633.80 Million | AU$5.63 Billion | AU$1.14 Billion | AU$508.80 Million | ▼ -4.0 pp |
| 2018 | 15.3% | AU$857.70 Million | AU$5.62 Billion | AU$1.32 Billion | AU$462.70 Million | ▲ +1.8 pp |
| 2017 | 13.5% | AU$730.10 Million | AU$5.43 Billion | AU$1.27 Billion | AU$544.30 Million | ▼ -1.6 pp |
| 2016 | 15.1% | AU$771.80 Million | AU$5.12 Billion | AU$1.28 Billion | AU$510.10 Million | ▲ +4.6 pp |
| 2015 | 10.5% | AU$519.50 Million | AU$4.94 Billion | AU$1.20 Billion | AU$677.80 Million | ▲ +9.0 pp |
| 2014 | 1.5% | AU$75.80 Million | AU$4.97 Billion | AU$958.60 Million | AU$882.80 Million | ▲ +110.5 pp |
| 2013 | -109.0% | AU$-4.83 Billion | AU$4.43 Billion | AU$1.94 Billion | AU$6.77 Billion | ▼ -91.6 pp |
| 2012 | -17.4% | AU$-732.70 Million | AU$4.22 Billion | AU$6.10 Billion | AU$6.83 Billion | ▲ +71.7 pp |
| 2011 | -89.1% | AU$-3.52 Billion | AU$3.96 Billion | AU$5.27 Billion | AU$8.79 Billion | ▲ +87.8 pp |
| 2010 | -176.9% | AU$-6.86 Billion | AU$3.88 Billion | AU$2.54 Billion | AU$9.41 Billion | ▲ +85.8 pp |
| 2009 | -262.7% | AU$-8.19 Billion | AU$3.12 Billion | AU$2.08 Billion | AU$10.28 Billion | ▲ +31.3 pp |
| 2008 | -294.0% | AU$-9.61 Billion | AU$3.27 Billion | AU$2.14 Billion | AU$11.75 Billion | ▼ -334.9 pp |
| 2007 | 41.0% | AU$416.10 Million | AU$1.01 Billion | AU$470.80 Million | AU$54.70 Million | ▲ +3.2 pp |
| 2006 | 37.8% | AU$339.80 Million | AU$899.50 Million | AU$479.80 Million | AU$140.00 Million | ▼ -353.9 pp |
| 2005 | 391.7% | AU$2.93 Billion | AU$749.10 Million | AU$3.04 Billion | AU$106.20 Million | ▲ +357.3 pp |
| 2004 | 34.4% | AU$232.40 Million | AU$676.40 Million | AU$321.10 Million | AU$88.70 Million | ▼ -6.1 pp |
| 2003 | 40.5% | AU$223.81 Million | AU$552.71 Million | AU$315.08 Million | AU$91.26 Million | ▼ -1532.0 pp |
| 2002 | 1572.5% | AU$7.77 Billion | AU$494.43 Million | AU$7.85 Billion | AU$71.77 Million | ▼ -49.5 pp |
| 2001 | 1622.0% | AU$6.86 Billion | AU$422.80 Million | AU$6.86 Billion | AU$5.75 Million | ▲ +74.0 pp |
| 2000 | 1548.0% | AU$4.46 Billion | AU$288.36 Million | AU$4.84 Billion | AU$380.29 Million | ▼ -19.5 pp |
| 1999 | 1567.5% | AU$3.81 Billion | AU$243.09 Million | AU$4.14 Billion | AU$329.43 Million | ▼ -265.7 pp |
| 1998 | 1833.3% | AU$2.74 Billion | AU$149.69 Million | AU$3.12 Billion | AU$376.49 Million | ▲ +103.9 pp |
| 1997 | 1729.3% | AU$2.40 Billion | AU$139.05 Million | AU$2.57 Billion | AU$164.85 Million | ▲ +422.6 pp |
| 1996 | 1306.7% | AU$1.89 Billion | AU$144.58 Million | AU$1.89 Billion | AU$2.56 Million | ▲ +116.0 pp |
| 1995 | 1190.7% | AU$1.51 Billion | AU$127.16 Million | AU$1.63 Billion | AU$116.63 Million | ▼ -51.2 pp |
| 1994 | 1241.9% | AU$1.45 Billion | AU$116.73 Million | AU$1.50 Billion | AU$48.35 Million | ▲ +151.3 pp |
| 1993 | 1090.6% | AU$1.23 Billion | AU$112.46 Million | AU$1.29 Billion | AU$58.52 Million | ▼ -204.0 pp |
| 1992 | 1294.6% | AU$1.04 Billion | AU$80.51 Million | AU$1.13 Billion | AU$87.22 Million | ▲ +229.0 pp |
| 1991 | 1065.6% | AU$595.86 Million | AU$55.92 Million | AU$676.08 Million | AU$80.22 Million | — |