BSP Financial Group Limited

BFL.AX

Banks - Regional · Financial Services

Exchange

Australian Securities Exchange

Winston Score

Winston is happy

A high-quality business with solid fundamentals.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Strong

Valuation

Good

Dividends

Good

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Winston Score History

The full picture

BSP Financial Group is the largest bank in Papua New Guinea. It offers everyday banking services like savings accounts, loans, and payments to regular people, businesses, and government agencies across the Pacific region. BSP also owns banking operations in several neighboring island nations, including Fiji, Solomon Islands, Tonga, and Cook Islands.

BSP makes money mainly through interest on loans and fees on banking services. It operates across roughly a dozen Pacific island markets, giving it a geographic reach that few competitors can match in the region. However, BSP faces real risks tied to the economic health of Papua New Guinea, which depends heavily on commodity exports like liquefied natural gas and minerals — meaning a drop in commodity prices or political instability can quickly hurt loan quality and overall earnings.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+31.3% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+9.8% YoY

YoY Growth Rate

Slow EPS growth

Insider Activity

62.1%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

A$41.9B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

BSP Financial Group Limited grew revenue 31% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+27.3%

Fast-growing sales (+27.3% YoY)

Profit growth

EPS YoY

+15.0%

Earnings growing fast (+15.0% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

9.3x

no trend

Attractive valuation — P/E 9.3

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

6.61%

no trend

Healthy income — 6.61% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record

Dividend Growth

-10.4%

no trend

Dividend cut (-10.4% YoY) — warning sign

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