Below is a detailed analysis of the quarterly data for Bandhan Bank Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
For Interest, as of Mar 2025, the value is 2,678.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,664.00 Cr. (Dec 2024) to 2,678.00 Cr., marking an increase of 14.00 Cr..
For Expenses, as of Mar 2025, the value is 3,144.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 3,281.00 Cr. (Dec 2024) to 3,144.00 Cr., marking a decrease of 137.00 Cr..
For Other Income, as of Mar 2025, the value is 700.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,112.00 Cr. (Dec 2024) to 700.00 Cr., marking a decrease of 412.00 Cr..
For Depreciation, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
For Profit before tax, as of Mar 2025, the value is 311.00 Cr.. The value appears to be declining and may need further review. It has decreased from 645.00 Cr. (Dec 2024) to 311.00 Cr., marking a decrease of 334.00 Cr..
For Tax %, as of Mar 2025, the value is -2.00%. The value appears to be improving (decreasing) as expected. It has decreased from 34.00% (Dec 2024) to -2.00%, marking a decrease of 36.00%.
For Net Profit, as of Mar 2025, the value is 318.00 Cr.. The value appears to be declining and may need further review. It has decreased from 426.00 Cr. (Dec 2024) to 318.00 Cr., marking a decrease of 108.00 Cr..
For EPS in Rs, as of Mar 2025, the value is 1.97. The value appears to be declining and may need further review. It has decreased from 2.65 (Dec 2024) to 1.97, marking a decrease of 0.68.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
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Quarterly Chart
Profit & Loss - Annual Report
Last Updated: May 15, 2025, 7:09 am
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
Revenue
-0
1,581
3,909
4,802
6,643
10,885
12,524
13,872
15,905
18,870
21,948
Interest
-0
649
1,505
1,770
2,148
4,562
4,961
5,157
6,645
8,544
10,458
Expenses
6
633
1,044
1,597
2,467
3,739
6,534
11,298
8,693
9,310
10,834
Financing Profit
-6
299
1,360
1,436
2,028
2,584
1,029
-2,584
567
1,016
657
Financing Margin %
19%
35%
30%
31%
24%
8%
-19%
4%
5%
3%
Other Income
8
150
411
706
1,063
1,549
2,022
2,822
2,469
2,165
2,967
Depreciation
0
36
67
86
78
80
103
110
143
238
-0
Profit before tax
2
414
1,704
2,056
3,013
4,053
2,949
129
2,893
2,943
3,623
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
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
Dividend Payout %
-0%
-0%
-0%
9%
18%
-0%
7%
-0%
11%
11%
9%
×
Profit & Loss Yearly Chart
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:
16%
Compounded Profit Growth
10 Years:
133%
5 Years:
-2%
3 Years:
177%
TTM:
23%
Stock Price CAGR
10 Years:
%
5 Years:
-9%
3 Years:
-18%
1 Year:
-10%
Return on Equity
10 Years:
13%
5 Years:
10%
3 Years:
12%
Last Year:
12%
Last Updated: Unknown
No data available for the Balance Sheet data table.
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 24, the value is 13.84. This value is within the healthy range. It has increased from 13.62 (Mar 23) to 13.84, marking an increase of 0.22.
For Diluted EPS (Rs.), as of Mar 24, the value is 13.84. This value is within the healthy range. It has increased from 13.62 (Mar 23) to 13.84, marking an increase of 0.22.
For Cash EPS (Rs.), as of Mar 24, the value is 15.31. This value is within the healthy range. It has increased from 14.51 (Mar 23) to 15.31, marking an increase of 0.80.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 134.14. It has increased from 121.58 (Mar 23) to 134.14, marking an increase of 12.56.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 134.14. It has increased from 121.58 (Mar 23) to 134.14, marking an increase of 12.56.
For Dividend / Share (Rs.), as of Mar 24, the value is 1.50. This value is within the healthy range. It has increased from 0.00 (Mar 23) to 1.50, marking an increase of 1.50.
For Net Profit / Share (Rs.), as of Mar 24, the value is 13.84. This value is within the healthy range. It has increased from 13.62 (Mar 23) to 13.84, marking an increase of 0.22.
For Net Profit Margin (%), as of Mar 24, the value is 11.81. This value exceeds the healthy maximum of 10. It has decreased from 13.79 (Mar 23) to 11.81, marking a decrease of 1.98.
For Return On Assets (%), as of Mar 24, the value is 1.25. This value is below the healthy minimum of 5. It has decreased from 1.40 (Mar 23) to 1.25, marking a decrease of 0.15.
For Retention Ratios (%), as of Mar 24, the value is 89.16. This value exceeds the healthy maximum of 70. It has decreased from 100.00 (Mar 23) to 89.16, marking a decrease of 10.84.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
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Profitability Ratios (%)
Liquidity Ratios
Liquidity Ratios (%)
Interest Coverage Ratios (%)
Valuation Ratios
Fair Value
Fair Value of Bandhan Bank Ltd as of June 13, 2025 is: 150.76
Calculation basis:
Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.
As of June 13, 2025, Bandhan Bank Ltd is Overvalued by 15.30% compared to the current share price 178.00
Intrinsic Value of Bandhan Bank Ltd as of June 13, 2025 is: 157.51
Calculation basis:
Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.
This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.
As of June 13, 2025, Bandhan Bank Ltd is Overvalued by 11.51% compared to the current share price 178.00
Last 5 Year EPS CAGR: 4.48%
*Investments are subject to market risks
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: 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 (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: 11.25%)
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: 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: 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: 10.4 (Industry average Stock P/E: 17.74)
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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions. Stock Rating:
About the Company - Qualitative Analysis
Bandhan Bank Ltd. is a Public Limited Listed company incorporated on 23/12/2014 and has its registered office in the State of West Bengal, India. Company's Corporate Identification Number(CIN) is L67190WB2014PLC204622 and registration number is 204622. Currently Company is involved in the business activities of Monetary intermediation of commercial banks, saving banks. postal savings bank and discount houses. Company's Total Operating Revenue is Rs. 21948.23 Cr. and Equity Capital is Rs. 1610.97 Cr. for the Year ended 31/03/2025.
INDUSTRY
ADDRESS
CONTACT
Finance - Banks - Private Sector
DN 32, Sector V, Salt Lake City, Kolkata West Bengal 700091
FAQ: Stock data is invalid or not in the correct format.
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Bandhan Bank Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
