Share Price and Basic Stock Data
Last Updated: January 16, 2026, 8:27 pm
| PEG Ratio | 0.33 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bandhan Bank Ltd, operating in the private sector banking industry, reported a current share price of ₹144 and a market capitalization of ₹23,254 Cr. The bank’s revenue has shown a consistent upward trajectory, reaching ₹15,905 Cr in March 2023, up from ₹13,871 Cr in March 2022. For the fiscal year ending March 2025, revenue is projected to rise to ₹21,948 Cr, demonstrating a robust growth trajectory. Quarterly revenue figures from September 2022 to September 2023 reflect this trend, with revenues increasing from ₹3,773 Cr to ₹4,492 Cr, albeit with a slight decline in the subsequent quarters. Interest income has also increased significantly, reaching ₹6,645 Cr in March 2023, and is expected to grow to ₹10,458 Cr by March 2025. This growth trajectory positions Bandhan Bank favorably within the competitive landscape of Indian private sector banks.
Profitability and Efficiency Metrics
In terms of profitability, Bandhan Bank’s net profit stood at ₹1,228 Cr for the trailing twelve months, with a profit margin of 12.50% reported for March 2025. This represents an increase from ₹2,195 Cr in March 2023 and highlights the bank’s ability to generate profit efficiently. The return on equity (ROE) was recorded at 11.9% as of September 2023, while the return on capital employed (ROCE) stood at 7.82%. However, these figures are somewhat lower than the industry averages, indicating potential areas for improvement. The bank’s financing margin has fluctuated, peaking at 13% in June 2023 and declining to 9% in September 2023. The cost-to-income ratio, reported at 48.89% in March 2025, suggests that operational efficiency remains a focus area, especially as it is higher than typical sector benchmarks, which generally hover around 40% to 45%.
Balance Sheet Strength and Financial Ratios
Bandhan Bank’s balance sheet reflects a solid foundation, with total assets reported at ₹191,476 Cr as of March 2025, up from ₹156,037 Cr in March 2023. Reserves increased to ₹22,994 Cr by March 2025, while borrowings decreased to ₹11,138 Cr, indicating a prudent approach to debt management. The bank’s equity capital has remained stable at ₹1,611 Cr since March 2023, while net profit per share rose to ₹17.04 for the fiscal year ending March 2025. The bank’s price-to-earnings (P/E) ratio of 18.9 is relatively high, which suggests that the market has optimistic expectations about future growth, although it may also imply overvaluation compared to sector norms. The price-to-book value ratio stands at 0.95, indicating that the bank is trading below its book value, which could be attractive to value investors.
Shareholding Pattern and Investor Confidence
The shareholding structure of Bandhan Bank indicates a diversified ownership. As of September 2023, promoters held 40.29%, while foreign institutional investors (FIIs) owned 23.44% and domestic institutional investors (DIIs) accounted for 17.82%. Public shareholding stood at 18.39%, with the total number of shareholders reaching 769,192. The consistent promoter holding and increasing institutional investment reflect growing confidence in the bank’s prospects. However, a decline in FIIs from 32.39% in December 2022 to 23.44% in September 2025 raises potential concerns about foreign investor sentiment. Additionally, the bank’s dividend payout ratio remained conservative at 9% for March 2025, which may suggest a preference for reinvestment over immediate returns to shareholders, further reinforcing a focus on long-term growth.
Outlook, Risks, and Final Insight
Looking ahead, Bandhan Bank’s growth is contingent on its ability to maintain revenue momentum and manage operational efficiency. Key strengths include a robust revenue growth trajectory and a strong reserve position, which provide a cushion against potential economic shocks. However, risks such as fluctuating financing margins and a high cost-to-income ratio could hinder profitability. Furthermore, the decline in foreign institutional investment signals potential volatility in market confidence. The bank’s future strategies should focus on improving operational efficiency and enhancing customer engagement to sustain growth. In scenarios where the bank successfully optimizes its operations and manages its asset quality, it could emerge as a leader in the private banking sector; however, failure to address existing risks may lead to stagnation or decline in market confidence.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 1,939 Cr. | 233 | 339/180 | 24.2 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,397 Cr. | 27.1 | 38.9/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,191 Cr. | 262 | 331/249 | 8.82 | 307 | 1.53 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 74,054 Cr. | 23.6 | 24.3/16.0 | 26.1 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 11,642 Cr. | 60.0 | 60.8/30.8 | 27.9 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,265.52 Cr | 351.80 | 18.72 | 212.21 | 0.60% | 6.84% | 11.80% | 6.30 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,773 | 3,808 | 4,268 | 4,523 | 4,492 | 4,665 | 5,189 | 5,536 | 5,500 | 5,479 | 5,434 | 5,476 | 5,354 |
| Interest | 1,580 | 1,727 | 1,796 | 2,032 | 2,049 | 2,140 | 2,330 | 2,531 | 2,566 | 2,664 | 2,678 | 2,718 | 2,765 |
| Expenses | 2,396 | 2,733 | 2,040 | 1,916 | 2,036 | 2,099 | 3,496 | 2,115 | 2,294 | 3,281 | 3,144 | 2,962 | 2,977 |
| Financing Profit | -203 | -653 | 432 | 575 | 407 | 426 | -637 | 890 | 640 | -466 | -388 | -204 | -389 |
| Financing Margin % | -5% | -17% | 10% | 13% | 9% | 9% | -12% | 16% | 12% | -9% | -7% | -4% | -7% |
| Other Income | 476 | 1,033 | 629 | 385 | 540 | 545 | 701 | 528 | 609 | 1,112 | 700 | 726 | 546 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 273 | 381 | 1,061 | 960 | 947 | 971 | 64 | 1,418 | 1,249 | 645 | 311 | 521 | 158 |
| Tax % | 23% | 24% | 24% | 25% | 24% | 25% | 15% | 25% | 25% | 34% | -2% | 29% | 29% |
| Net Profit | 209 | 291 | 808 | 721 | 721 | 733 | 55 | 1,063 | 937 | 426 | 318 | 372 | 112 |
| EPS in Rs | 1.30 | 1.80 | 5.02 | 4.48 | 4.48 | 4.55 | 0.34 | 6.60 | 5.82 | 2.65 | 1.97 | 2.31 | 0.69 |
| Gross NPA % | 7.19% | 7.15% | 4.87% | 6.76% | 7.32% | 7.02% | 3.84% | 4.23% | 4.68% | 4.68% | 4.71% | 4.96% | 5.02% |
| Net NPA % | 1.86% | 1.86% | 1.17% | 2.18% | 2.32% | 2.21% | 1.11% | 1.15% | 1.29% | 1.28% | 1.28% | 1.36% | 1.37% |
Last Updated: January 2, 2026, 8:01 am
Below is a detailed analysis of the quarterly data for Bandhan Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 2,765.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,718.00 Cr. (Jun 2025) to 2,765.00 Cr., marking an increase of 47.00 Cr..
- For Expenses, as of Sep 2025, the value is 2,977.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,962.00 Cr. (Jun 2025) to 2,977.00 Cr., marking an increase of 15.00 Cr..
- For Other Income, as of Sep 2025, the value is 546.00 Cr.. The value appears to be declining and may need further review. It has decreased from 726.00 Cr. (Jun 2025) to 546.00 Cr., marking a decrease of 180.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 158.00 Cr.. The value appears to be declining and may need further review. It has decreased from 521.00 Cr. (Jun 2025) to 158.00 Cr., marking a decrease of 363.00 Cr..
- For Tax %, as of Sep 2025, the value is 29.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 29.00%.
- For Net Profit, as of Sep 2025, the value is 112.00 Cr.. The value appears to be declining and may need further review. It has decreased from 372.00 Cr. (Jun 2025) to 112.00 Cr., marking a decrease of 260.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.69. The value appears to be declining and may need further review. It has decreased from 2.31 (Jun 2025) to 0.69, marking a decrease of 1.62.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:35 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 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0 | 1,581 | 3,909 | 4,802 | 6,643 | 10,885 | 12,524 | 13,871 | 15,905 | 18,870 | 21,948 | 21,742 |
| Interest | 0 | 649 | 1,505 | 1,770 | 2,148 | 4,562 | 4,961 | 5,157 | 6,645 | 8,551 | 10,458 | 10,826 |
| Expenses | 6 | 633 | 1,044 | 1,597 | 2,467 | 3,739 | 6,534 | 11,298 | 8,693 | 9,310 | 10,555 | 12,364 |
| Financing Profit | -6 | 299 | 1,360 | 1,436 | 2,028 | 2,584 | 1,029 | -2,584 | 567 | 1,009 | 936 | -1,448 |
| Financing Margin % | 19% | 35% | 30% | 31% | 24% | 8% | -19% | 4% | 5% | 4% | -7% | |
| Other Income | 8 | 150 | 411 | 706 | 1,063 | 1,549 | 2,022 | 2,823 | 2,469 | 2,171 | 2,967 | 3,084 |
| 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 | 1,636 |
| 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 | 1,228 |
| 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 | 7.62 |
| 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 10, 2025, 2:26 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
| Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
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 | 0.76 | 297.18 | N/A | N/A | N/A |
| SBI Contra Fund | 15,242,793 | 0.46 | 229.19 | N/A | N/A | N/A |
| HDFC Large and Mid Cap Fund | 9,265,574 | 0.48 | 139.32 | N/A | N/A | N/A |
| HDFC Multi Cap Fund | 8,258,449 | 0.62 | 124.17 | N/A | N/A | N/A |
| Tata Arbitrage Fund | 6,714,000 | 0.5 | 100.95 | 6,047,500 | 2025-12-08 00:03:01 | 11.02% |
| ICICI Prudential Banking and Financial Services | 6,408,145 | 0.87 | 96.35 | N/A | N/A | N/A |
| Bandhan Value Fund | 5,500,000 | 0.79 | 82.7 | 6,500,000 | 2025-12-14 13:37:56 | -15.38% |
| Bandhan Flexi Cap Fund | 5,000,000 | 0.97 | 75.18 | N/A | N/A | N/A |
| ICICI Prudential Equity & Debt Fund | 4,617,481 | 0.14 | 69.43 | N/A | N/A | N/A |
| ICICI Prudential Value Fund | 4,255,766 | 0.11 | 63.99 | N/A | N/A | N/A |
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
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: 19 (Industry average Stock P/E: 18.72)
- 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%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | DN 32, Sector V, Salt Lake City, Kolkata West Bengal 700091 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Dr. Anup Kumar Sinha | Non Exe.Ind.Chairman |
| Mr. Partha Pratim Sengupta | Managing Director & CEO |
| Mr. Ratan Kumar Kesh | Executive Director & COO |
| Mr. Rajinder Kumar Babbar | Executive Director & Chief Business Officer |
| Mr. Divya Krishnan | Non Exe.Non Ind.Director |
| Dr. A S Ramasastri | Independent Director |
| Mr. N V P Tendulkar | Independent Director |
| Mr. Santanu Mukherjee | Independent Director |
| Mr. Subrata Dutta Gupta | Independent Director |
| Mr. Suhail Chander | Independent Director |
| Mr. Vijay N Bhatt | Independent Director |
| Ms. Veni Thapar | Addnl. & Ind.Director |
| Mr. Arun Kumar Singh | Nominee Director |
FAQ
What is the intrinsic value of Bandhan Bank Ltd?
Bandhan Bank Ltd's intrinsic value (as of 16 January 2026) is ₹279.62 which is 92.84% higher the current market price of ₹145.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹23,320 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 23,320 Cr..
What is the current Stock Price of Bandhan Bank Ltd as on 16 January 2026?
The current stock price of Bandhan Bank Ltd as on 16 January 2026 is ₹145.
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 19.0.
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 1.04 %.
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.