Bendigo and Adelaide Bank Full Year 2025 Earnings: EPS Misses Expectations

Simply Wall St · 08/26/2025 21:34

Bendigo and Adelaide Bank (ASX:BEN) Full Year 2025 Results

Key Financial Results

  • Revenue: AU$1.92b (up 2.9% from FY 2024).
  • Net loss: AU$97.1m (down by 118% from AU$545.0m profit in FY 2024).
  • AU$0.17 loss per share (down from AU$0.96 profit in FY 2024).

BEN Banking Performance Indicators

  • Net interest margin (NIM): 1.88% (down from 1.90% in FY 2024).
  • Cost-to-income ratio: 62.1% (up from 57.5% in FY 2024).
  • Non-performing loans: 0.05% (down from 0.07% in FY 2024).
revenue-and-expenses-breakdown
ASX:BEN Revenue and Expenses Breakdown August 26th 2025

All figures shown in the chart above are for the trailing 12 month (TTM) period

Bendigo and Adelaide Bank EPS Misses Expectations

Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates.

The primary driver behind last 12 months revenue was the Consumer segment contributing a total revenue of AU$1.17b (61% of total revenue). Explore how BEN's revenue and expenses shape its earnings.

Looking ahead, revenue is forecast to grow 4.2% p.a. on average during the next 3 years, compared to a 4.4% growth forecast for the Banks industry in Australia.

Performance of the Australian Banks industry.

The company's shares are up 4.4% from a week ago.

Risk Analysis

Before you take the next step you should know about the 1 warning sign for Bendigo and Adelaide Bank that we have uncovered.