Share Price and Basic Stock Data
Last Updated: December 9, 2025, 3:58 am
| PEG Ratio | 0.24 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bandhan Bank Ltd has demonstrated a commendable growth trajectory since its inception, particularly in its revenue generation. For the financial year ending March 2025, the bank reported a revenue of ₹21,948 Cr, up from ₹15,905 Cr just two years earlier. The quarterly revenue figures echo this upward trend, with a notable increase from ₹4,268 Cr in March 2023 to ₹5,189 Cr in March 2024. This robust performance indicates that Bandhan Bank is successfully capitalizing on its extensive reach and customer base, which now exceeds 7.69 lakh shareholders. While the bank’s revenue growth seems strong, it remains essential to monitor how effectively this translates into profit, especially in a competitive banking landscape.
Profitability and Efficiency Metrics
Analyzing Bandhan Bank’s profitability metrics reveals a mixed picture. The bank recorded a net profit of ₹2,054 Cr for the financial year ending March 2025, reflecting a consistent performance with a net profit margin of 12.50%. However, the bank’s financing profit has seen volatility, particularly with a dip into negative territory in some quarters, such as in March 2024 where it stood at -₹637 Cr. This raises questions about the bank’s cost management and operational efficiency, given its reported cost-to-income ratio of 48.89%. Despite these challenges, the return on equity (ROE) stands at a respectable 11.9%, suggesting that the bank is still delivering value to its shareholders, albeit at a lower efficiency than some of its peers in the private banking sector.
Balance Sheet Strength and Financial Ratios
On the balance sheet front, Bandhan Bank appears to be in a stable position with total assets reaching ₹191,476 Cr by March 2025. The reserves have also increased significantly to ₹22,971 Cr, which is a positive indicator of the bank’s ability to absorb potential shocks. However, the gross non-performing asset (NPA) ratio has fluctuated, standing at 4.96% in June 2025, suggesting that asset quality management remains a key area of focus. The price-to-book ratio of 0.95 signifies that the bank is trading slightly below its book value, which could appeal to value investors. Yet, the return on capital employed (ROCE) at 7.82% is somewhat subdued, indicating that while the bank is expanding its asset base, it is not generating proportionate returns on its capital.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Bandhan Bank reflects a diverse mix of stakeholders, with promoters holding 40.29% and foreign institutional investors (FIIs) at 23.44%. This distribution illustrates a balanced approach to ownership, which can foster a sense of stability. The significant presence of domestic institutional investors (DIIs) at 17.82% further bolsters investor confidence, as institutional investors often conduct thorough due diligence before committing to a stock. However, the gradual decline in FII holding from 32.39% in December 2022 to 23.44% in September 2025 raises questions about international investor sentiment towards the bank. The public holding at 18.39% is also noteworthy, indicating that a large retail base is invested in the bank’s future, which could be a double-edged sword depending on market conditions.
Outlook, Risks, and Final Insight
Looking ahead, Bandhan Bank faces both opportunities and challenges. The strong revenue growth suggests that the bank is well-positioned to leverage its extensive customer base, particularly in underserved markets. However, the fluctuating asset quality and profitability metrics could pose risks if not managed effectively. Investors should remain cautious about the NPA levels and the potential impact on future earnings. Additionally, the declining trend in FII investment may signal broader market concerns, which could affect stock performance. For retail investors, the key will be to monitor the bank’s ability to sustain its growth trajectory while managing risks effectively. Overall, while Bandhan Bank has strengths in terms of revenue growth and a solid customer base, it must navigate financial challenges to enhance shareholder value sustainably.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Bandhan Bank Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,305 Cr. | 277 | 367/180 | 28.7 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,276 Cr. | 24.7 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,221 Cr. | 270 | 331/250 | 9.03 | 307 | 1.48 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 68,714 Cr. | 21.9 | 24.3/16.0 | 24.2 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,072 Cr. | 51.9 | 56.3/30.8 | 24.2 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 163,844.13 Cr | 414.88 | 18.06 | 241.49 | 0.60% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4,055 | 3,773 | 3,808 | 4,268 | 4,523 | 4,492 | 4,665 | 5,189 | 5,536 | 5,500 | 5,479 | 5,434 | 5,476 |
| Interest | 1,541 | 1,580 | 1,727 | 1,796 | 2,032 | 2,049 | 2,140 | 2,330 | 2,531 | 2,552 | 2,664 | 2,678 | 2,718 |
| Expenses | 1,666 | 2,396 | 2,733 | 2,040 | 1,916 | 2,036 | 2,099 | 3,496 | 2,115 | 2,294 | 3,281 | 3,144 | 2,962 |
| Financing Profit | 848 | -203 | -653 | 432 | 575 | 407 | 426 | -637 | 890 | 654 | -466 | -388 | -204 |
| Financing Margin % | 21% | -5% | -17% | 10% | 13% | 9% | 9% | -12% | 16% | 12% | -9% | -7% | -4% |
| Other Income | 330 | 476 | 1,033 | 629 | 385 | 540 | 545 | 701 | 528 | 595 | 1,112 | 700 | 726 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1,178 | 273 | 381 | 1,061 | 960 | 947 | 971 | 64 | 1,418 | 1,249 | 645 | 311 | 521 |
| Tax % | 25% | 23% | 24% | 24% | 25% | 24% | 25% | 15% | 25% | 25% | 34% | -2% | 29% |
| Net Profit | 886 | 209 | 291 | 808 | 721 | 721 | 733 | 55 | 1,063 | 937 | 426 | 318 | 372 |
| EPS in Rs | 5.50 | 1.30 | 1.80 | 5.02 | 4.48 | 4.48 | 4.55 | 0.34 | 6.60 | 5.82 | 2.65 | 1.97 | 2.31 |
| Gross NPA % | 7.25% | 7.19% | 7.15% | 4.87% | 6.76% | 7.32% | 7.02% | 3.84% | 4.23% | 4.68% | 4.68% | 4.71% | 4.96% |
| Net NPA % | 1.92% | 1.86% | 1.86% | 1.17% | 2.18% | 2.32% | 2.21% | 1.11% | 1.15% | 1.29% | 1.28% | 1.28% | 1.36% |
Last Updated: August 1, 2025, 11:35 pm
Below is a detailed analysis of the quarterly data for Bandhan Bank Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 2,718.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,678.00 Cr. (Mar 2025) to 2,718.00 Cr., marking an increase of 40.00 Cr..
- For Expenses, as of Jun 2025, the value is 2,962.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 3,144.00 Cr. (Mar 2025) to 2,962.00 Cr., marking a decrease of 182.00 Cr..
- For Other Income, as of Jun 2025, the value is 726.00 Cr.. The value appears strong and on an upward trend. It has increased from 700.00 Cr. (Mar 2025) to 726.00 Cr., marking an increase of 26.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 521.00 Cr.. The value appears strong and on an upward trend. It has increased from 311.00 Cr. (Mar 2025) to 521.00 Cr., marking an increase of 210.00 Cr..
- For Tax %, as of Jun 2025, the value is 29.00%. The value appears to be increasing, which may not be favorable. It has increased from -2.00% (Mar 2025) to 29.00%, marking an increase of 31.00%.
- For Net Profit, as of Jun 2025, the value is 372.00 Cr.. The value appears strong and on an upward trend. It has increased from 318.00 Cr. (Mar 2025) to 372.00 Cr., marking an increase of 54.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 2.31. The value appears strong and on an upward trend. It has increased from 1.97 (Mar 2025) to 2.31, marking an increase of 0.34.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: August 22, 2025, 5:27 pm
| Metric | Mar 2015n n 4m | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0 | 1,581 | 3,909 | 4,802 | 6,643 | 10,885 | 12,524 | 13,871 | 15,905 | 18,870 | 21,948 | 21,888 |
| Interest | 0 | 649 | 1,505 | 1,770 | 2,148 | 4,562 | 4,961 | 5,157 | 6,645 | 8,551 | 10,458 | 10,612 |
| Expenses | 6 | 633 | 1,044 | 1,597 | 2,467 | 3,739 | 6,534 | 11,298 | 8,693 | 9,310 | 10,555 | 11,681 |
| Financing Profit | -6 | 299 | 1,360 | 1,436 | 2,028 | 2,584 | 1,029 | -2,584 | 567 | 1,009 | 936 | -405 |
| Financing Margin % | 19% | 35% | 30% | 31% | 24% | 8% | -19% | 4% | 5% | 4% | -2% | |
| Other Income | 8 | 150 | 411 | 706 | 1,063 | 1,549 | 2,022 | 2,823 | 2,469 | 2,171 | 2,967 | 3,132 |
| Depreciation | 0 | 36 | 67 | 86 | 78 | 80 | 103 | 110 | 143 | 238 | 279 | 0 |
| Profit before tax | 2 | 414 | 1,704 | 2,056 | 3,013 | 4,053 | 2,949 | 129 | 2,893 | 2,943 | 3,623 | 2,727 |
| Tax % | 75% | 33% | 35% | 35% | 35% | 25% | 25% | 2% | 24% | 24% | 24% | |
| Net Profit | 1 | 275 | 1,112 | 1,346 | 1,952 | 3,024 | 2,205 | 126 | 2,195 | 2,230 | 2,745 | 2,054 |
| EPS in Rs | 0.01 | 2.51 | 10.15 | 11.28 | 16.36 | 18.78 | 13.69 | 0.78 | 13.62 | 13.84 | 17.04 | 12.75 |
| Dividend Payout % | 0% | 0% | 0% | 9% | 18% | 0% | 7% | 0% | 11% | 11% | 9% |
YoY Net Profit Growth
| Year | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 304.36% | 21.04% | 45.02% | 54.92% | -27.08% | -94.29% | 1642.06% | 1.59% | 23.09% |
| Change in YoY Net Profit Growth (%) | 0.00% | -283.32% | 23.98% | 9.90% | -82.00% | -67.20% | 1736.35% | -1640.47% | 21.50% |
Bandhan Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 9 years from 2016-2017 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 15% |
| 3 Years: | 17% |
| TTM: | 10% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 133% |
| 5 Years: | -2% |
| 3 Years: | 177% |
| TTM: | -20% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | -12% |
| 3 Years: | -17% |
| 1 Year: | -19% |
| Return on Equity | |
|---|---|
| 10 Years: | 13% |
| 5 Years: | 10% |
| 3 Years: | 12% |
| Last Year: | 12% |
Last Updated: September 5, 2025, 12:30 am
Balance Sheet
Last Updated: December 4, 2025, 1:01 am
| Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 501 | 1,095 | 1,095 | 1,193 | 1,193 | 1,610 | 1,611 | 1,611 | 1,611 | 1,611 | 1,611 | 1,611 |
| Reserves | 1 | 2,239 | 3,351 | 8,189 | 10,009 | 13,585 | 15,798 | 15,770 | 17,973 | 19,999 | 22,994 | 22,971 |
| Deposits | 12,089 | 23,229 | 33,869 | 43,232 | 57,082 | 77,972 | 96,331 | 108,065 | 135,202 | 151,212 | 158,075 | |
| Borrowing | -0 | 3,052 | 1,029 | 285 | 521 | 16,379 | 16,960 | 19,921 | 24,711 | 16,372 | 11,138 | 8,118 |
| Other Liabilities | 25 | 1,282 | 1,532 | 774 | 1,487 | 3,062 | 2,675 | 5,234 | 3,677 | 4,659 | 4,520 | 4,236 |
| Total Liabilities | 527 | 19,756 | 30,236 | 44,310 | 56,442 | 91,718 | 115,016 | 138,867 | 156,037 | 177,842 | 191,476 | 195,011 |
| Fixed Assets | 0 | 237 | 252 | 238 | 222 | 347 | 432 | 415 | 509 | 959 | 855 | 1,197 |
| CWIP | 108 | 0 | -0 | -0 | 109 | 22 | 55 | 173 | 346 | 214 | 325 | -0 |
| Investments | -0 | 3,758 | 5,516 | 8,372 | 10,037 | 15,352 | 25,155 | 29,079 | 32,366 | 29,288 | 40,712 | 45,672 |
| Other Assets | 418 | 15,761 | 24,468 | 35,700 | 46,073 | 75,997 | 89,374 | 109,200 | 122,817 | 147,381 | 149,584 | 148,142 |
| Total Assets | 527 | 19,756 | 30,236 | 44,310 | 56,442 | 91,718 | 115,016 | 138,867 | 156,037 | 177,842 | 191,476 | 195,011 |
Below is a detailed analysis of the balance sheet data for Bandhan Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 1,611.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 1,611.00 Cr..
- For Reserves, as of Sep 2025, the value is 22,971.00 Cr.. The value appears to be declining and may need further review. It has decreased from 22,994.00 Cr. (Mar 2025) to 22,971.00 Cr., marking a decrease of 23.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 4,236.00 Cr.. The value appears to be improving (decreasing). It has decreased from 4,520.00 Cr. (Mar 2025) to 4,236.00 Cr., marking a decrease of 284.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 195,011.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 191,476.00 Cr. (Mar 2025) to 195,011.00 Cr., marking an increase of 3,535.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 1,197.00 Cr.. The value appears strong and on an upward trend. It has increased from 855.00 Cr. (Mar 2025) to 1,197.00 Cr., marking an increase of 342.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 325.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 325.00 Cr..
- For Investments, as of Sep 2025, the value is 45,672.00 Cr.. The value appears strong and on an upward trend. It has increased from 40,712.00 Cr. (Mar 2025) to 45,672.00 Cr., marking an increase of 4,960.00 Cr..
- For Other Assets, as of Sep 2025, the value is 148,142.00 Cr.. The value appears to be declining and may need further review. It has decreased from 149,584.00 Cr. (Mar 2025) to 148,142.00 Cr., marking a decrease of 1,442.00 Cr..
- For Total Assets, as of Sep 2025, the value is 195,011.00 Cr.. The value appears strong and on an upward trend. It has increased from 191,476.00 Cr. (Mar 2025) to 195,011.00 Cr., marking an increase of 3,535.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2015n n 4m | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 6.00 | 621.00 | -22.00 | -32.00 | -41.00 | -54.00 | -71.00 | -85.00 | -100.00 | -126.00 | -141.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 14% | 29% | 19% | 19% | 23% | 14% | 1% | 12% | 11% | 12% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| SBI Balanced Advantage Fund | 19,764,400 | 0.8 | 309.43 | N/A | N/A | N/A |
| SBI Contra Fund | 15,242,793 | 0.48 | 238.64 | N/A | N/A | N/A |
| SBI Multi Asset Allocation Fund | 11,500,000 | 1.52 | 177.78 | N/A | N/A | N/A |
| HDFC Large and Mid Cap Fund | 9,265,574 | 0.51 | 145.06 | N/A | N/A | N/A |
| HDFC Multi Cap Fund | 8,258,449 | 0.66 | 129.29 | N/A | N/A | N/A |
| Bandhan Value Fund | 6,500,000 | 0.99 | 101.76 | N/A | N/A | N/A |
| ICICI Prudential Banking and Financial Services | 6,408,145 | 0.95 | 100.33 | N/A | N/A | N/A |
| Bandhan Flexi Cap Fund | 5,000,000 | 1.02 | 78.28 | N/A | N/A | N/A |
| Tata Large & Mid Cap Fund | 4,000,000 | 0.71 | 62.62 | N/A | N/A | N/A |
| DSP Dynamic Asset Allocation Fund | 3,895,200 | 1.68 | 60.98 | 4,567,500 | 2025-12-08 00:03:01 | -14.72% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 17.04 | 13.84 | 13.62 | 0.78 | 13.70 |
| Diluted EPS (Rs.) | 17.04 | 13.84 | 13.62 | 0.78 | 13.69 |
| Cash EPS (Rs.) | 18.77 | 15.31 | 14.51 | 1.46 | 14.33 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 152.73 | 134.14 | 121.58 | 107.91 | 108.08 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 152.73 | 134.14 | 121.58 | 107.91 | 108.08 |
| Dividend / Share (Rs.) | 1.50 | 1.50 | 0.00 | 0.00 | 1.00 |
| Operating Revenue / Share (Rs.) | 136.24 | 117.13 | 98.73 | 86.11 | 77.76 |
| Net Profit / Share (Rs.) | 17.04 | 13.84 | 13.62 | 0.78 | 13.69 |
| Interest Income / Employee (Rs.) | 2925182.42 | 2491104.48 | 2281813.95 | 2303751.84 | 2532958.19 |
| Net Profit / Employee (Rs.) | 365883.29 | 294339.48 | 314860.12 | 20892.20 | 446042.45 |
| Business / Employee (Rs.) | 37743871.52 | 33840995.08 | 30533712.32 | 31606440.65 | 32275275.71 |
| Interest Income / Branch (Rs.) | 127978009.91 | 110997754.12 | 112719345.15 | 116662070.65 | 109191035.54 |
| Net Profit / Branches (Rs.) | 16007553.94 | 13115074.71 | 15553777.46 | 1057981.50 | 19228046.14 |
| Business / Branches (Rs.) | 1651310885.13 | 1507875114.71 | 1508335092.84 | 1600551217.83 | 1391326074.73 |
| Net Profit Margin (%) | 12.50 | 11.81 | 13.79 | 0.90 | 17.60 |
| Operating Profit Margin (%) | 18.98 | 17.85 | 18.71 | 1.09 | 22.80 |
| Return On Assets (%) | 1.43 | 1.25 | 1.40 | 0.09 | 1.91 |
| Return On Equity / Networth (%) | 11.15 | 10.31 | 11.20 | 0.72 | 12.66 |
| Net Interest Margin (X) | 6.00 | 5.80 | 5.94 | 6.27 | 6.57 |
| Cost To Income (%) | 48.89 | 46.84 | 39.53 | 30.54 | 29.12 |
| Interest Income / Total Assets (%) | 11.46 | 10.61 | 10.21 | 9.98 | 10.89 |
| Non-Interest Income / Total Assets (%) | 1.54 | 1.21 | 1.58 | 2.03 | 1.83 |
| Operating Profit / Total Assets (%) | -0.11 | 0.03 | -0.17 | -1.94 | 0.08 |
| Operating Expenses / Total Assets (%) | 3.69 | 3.28 | 2.97 | 2.53 | 2.44 |
| Interest Expenses / Total Assets (%) | 5.46 | 4.80 | 4.26 | 3.71 | 4.31 |
| Enterprise Value (Rs.Cr.) | 178417.89 | 165194.39 | 156977.62 | 160824.22 | 144256.24 |
| EV Per Net Sales (X) | 8.13 | 8.75 | 9.87 | 11.59 | 11.52 |
| Price To Book Value (X) | 0.95 | 1.34 | 1.61 | 2.85 | 3.13 |
| Price To Sales (X) | 1.07 | 1.54 | 1.98 | 3.57 | 4.36 |
| Retention Ratios (%) | 91.19 | 89.16 | 100.00 | -28.04 | 100.00 |
| Earnings Yield (X) | 0.11 | 0.07 | 0.06 | 0.00 | 0.04 |
After reviewing the key financial ratios for Bandhan Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 17.04. This value is within the healthy range. It has increased from 13.84 (Mar 24) to 17.04, marking an increase of 3.20.
- For Diluted EPS (Rs.), as of Mar 25, the value is 17.04. This value is within the healthy range. It has increased from 13.84 (Mar 24) to 17.04, marking an increase of 3.20.
- For Cash EPS (Rs.), as of Mar 25, the value is 18.77. This value is within the healthy range. It has increased from 15.31 (Mar 24) to 18.77, marking an increase of 3.46.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 152.73. It has increased from 134.14 (Mar 24) to 152.73, marking an increase of 18.59.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 152.73. It has increased from 134.14 (Mar 24) to 152.73, marking an increase of 18.59.
- For Dividend / Share (Rs.), as of Mar 25, the value is 1.50. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.50.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 17.04. This value is within the healthy range. It has increased from 13.84 (Mar 24) to 17.04, marking an increase of 3.20.
- For Net Profit Margin (%), as of Mar 25, the value is 12.50. This value exceeds the healthy maximum of 10. It has increased from 11.81 (Mar 24) to 12.50, marking an increase of 0.69.
- For Return On Assets (%), as of Mar 25, the value is 1.43. This value is below the healthy minimum of 5. It has increased from 1.25 (Mar 24) to 1.43, marking an increase of 0.18.
- For Retention Ratios (%), as of Mar 25, the value is 91.19. This value exceeds the healthy maximum of 70. It has increased from 89.16 (Mar 24) to 91.19, marking an increase of 2.03.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Bandhan Bank Ltd:
- Net Profit Margin: 12.5%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 17.8 (Industry average Stock P/E: 18.06)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 12.5%
Fundamental Analysis of Bandhan Bank Ltd
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | DN 32, Sector V, Kolkata West Bengal 700091 | investors@bandhanbank.com https://www.bandhanbank.com |
| Management | |
|---|---|
| Name | Position Held |
| Dr. Anup Kumar Sinha | Non Exe.Ind.Chairman |
| Mr. Chandra Shekhar Ghosh | Managing Director & CEO |
| Mr. Ratan Kumar Kesh | Executive Director |
| Mr. Suhail Chander | Independent Director |
| Dr. Aparajita Mitra | Independent Director |
| Mr. Subrata Dutta Gupta | Independent Director |
| Mr. Philip Mathew | Independent Director |
| Dr. Allamraju Subramanyu Ramasastri | Independent Director |
| Mr. N V P Tendulkar | Independent Director |
| Mr. Vijay N Bhatt | Independent Director |
| Mr. Santanu Mukherjee | Independent Director |
| Dr. Holger Dirk Michaelis | Nominee Director |
| Mr. Divya Krishnan | Nominee Director |
Bandhan Bank Ltd. Share Price Update | |
|---|---|
| Share Price | Value |
| Today | ₹183.90 |
| Previous Day | ₹182.90 |
FAQ
What is the intrinsic value of Bandhan Bank Ltd?
Bandhan Bank Ltd's intrinsic value (as of 08 December 2025) is 262.15 which is 94.19% higher the current market price of 135.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 21,824 Cr. market cap, FY2025-2026 high/low of 192/128, reserves of ₹22,971 Cr, and liabilities of 195,011 Cr.
What is the Market Cap of Bandhan Bank Ltd?
The Market Cap of Bandhan Bank Ltd is 21,824 Cr..
What is the current Stock Price of Bandhan Bank Ltd as on 08 December 2025?
The current stock price of Bandhan Bank Ltd as on 08 December 2025 is 135.
What is the High / Low of Bandhan Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Bandhan Bank Ltd stocks is 192/128.
What is the Stock P/E of Bandhan Bank Ltd?
The Stock P/E of Bandhan Bank Ltd is 17.8.
What is the Book Value of Bandhan Bank Ltd?
The Book Value of Bandhan Bank Ltd is 153.
What is the Dividend Yield of Bandhan Bank Ltd?
The Dividend Yield of Bandhan Bank Ltd is 1.11 %.
What is the ROCE of Bandhan Bank Ltd?
The ROCE of Bandhan Bank Ltd is 7.82 %.
What is the ROE of Bandhan Bank Ltd?
The ROE of Bandhan Bank Ltd is 11.9 %.
What is the Face Value of Bandhan Bank Ltd?
The Face Value of Bandhan Bank Ltd is 10.0.