Share Price and Basic Stock Data
Last Updated: December 25, 2025, 8:58 am
| PEG Ratio | 0.33 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bandhan Bank Ltd operates in the private banking sector, focusing on delivering financial services to underbanked segments. The bank’s revenue trajectory has shown a consistent upward trend, with total revenue reported at ₹15,905 Cr for FY 2023, up from ₹13,871 Cr in FY 2022. This growth trajectory is reflected in quarterly figures, with revenue rising from ₹4,055 Cr in June 2022 to ₹4,523 Cr in June 2023, and further to ₹4,665 Cr in December 2023. The bank is poised to reach ₹21,948 Cr by FY 2025, highlighting robust growth potential. This growth can be attributed to an increase in interest income, which stood at ₹6,645 Cr in FY 2023, indicative of successful lending operations. Overall, the bank’s strategic focus on microfinance and retail banking has allowed it to tap into a vast customer base, contributing to its revenue expansion.
Profitability and Efficiency Metrics
Bandhan Bank’s profitability metrics demonstrate a mixed performance, with a net profit of ₹1,228 Cr for the trailing twelve months (TTM). The bank’s net profit margin stood at 12.50% for FY 2025, showcasing its ability to convert revenue into profit efficiently. The return on equity (ROE) was reported at 11.15%, which, while above the typical sector average, indicates that there is room for improvement. The cost-to-income ratio of 48.89% reflects operational efficiency, although it is relatively high compared to the sector standard, suggesting that the bank could enhance its cost management strategies. Additionally, the financing profit margin has faced fluctuations, with a reported 4% in FY 2025, indicating challenges in maintaining consistent profitability from its lending activities. Overall, while Bandhan Bank has shown commendable profitability, enhancing efficiency will be critical for sustained growth.
Balance Sheet Strength and Financial Ratios
The balance sheet of Bandhan Bank reveals a sound position, with total assets recorded at ₹191,476 Cr for FY 2025, up from ₹177,842 Cr in FY 2024. The reserves increased to ₹22,994 Cr, demonstrating a solid foundation for future growth. The bank’s equity capital remained stable at ₹1,611 Cr, while borrowings decreased to ₹11,138 Cr in FY 2025, indicating prudent financial management. The price-to-book value ratio stood at 0.95, suggesting that the stock is reasonably valued compared to its book value, which is ₹152.73 per share. Additionally, the net interest margin reported at 6.00% indicates the bank’s effectiveness in generating income from its lending operations. Bandhan Bank’s financial ratios reflect a balance between growth and risk management, which is essential for navigating the competitive banking landscape.
Shareholding Pattern and Investor Confidence
Bandhan Bank’s shareholding pattern illustrates a diversified ownership structure, with promoters holding 40.29% of the shares, indicating strong internal confidence in the bank’s prospects. Foreign institutional investors (FIIs) accounted for 23.44%, while domestic institutional investors (DIIs) held 17.82% of the shares as of September 2025. This distribution suggests a balanced investor confidence, although the decline in FII stakes from 32.39% in December 2022 indicates a potential concern among foreign investors about the bank’s growth trajectory. The public shareholding stood at 18.39%, reflecting a healthy interest from retail investors. The total number of shareholders increased to 769,192, indicating growing retail participation. This diverse shareholder base can act as a stabilizing factor for the bank’s stock performance.
Outlook, Risks, and Final Insight
Looking ahead, Bandhan Bank is poised for continued growth, driven by its focus on microfinance and retail banking. However, challenges remain, particularly concerning asset quality, as evidenced by the gross NPA ratio of 4.96% in June 2025, which, while improved from previous periods, still necessitates vigilance. Additionally, maintaining profitability in a competitive environment poses risks, particularly with fluctuating financing profits. The bank’s ability to manage costs effectively will be crucial in sustaining its margins. On a positive note, if Bandhan Bank can leverage its strong balance sheet and diverse shareholder base, it may enhance investor confidence and achieve sustainable growth. In scenarios where economic conditions remain stable, the bank could capitalize on its growth potential; however, any economic downturn could adversely impact its asset quality and profitability.
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 | 2,130 Cr. | 256 | 345/180 | 26.6 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,352 Cr. | 26.2 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,195 Cr. | 263 | 331/250 | 8.84 | 307 | 1.52 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 68,058 Cr. | 21.7 | 24.3/16.0 | 24.0 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,274 Cr. | 53.0 | 56.3/30.8 | 24.6 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,685.52 Cr | 416.70 | 18.37 | 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: 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 |
| SBI Multi Asset Allocation Fund | 11,500,000 | 1.44 | 172.91 | 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 |
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: 19.2 (Industry average Stock P/E: 18.37)
- 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 26 December 2025) is 282.54 which is 93.52% higher the current market price of 146.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 23,573 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 23,573 Cr..
What is the current Stock Price of Bandhan Bank Ltd as on 26 December 2025?
The current stock price of Bandhan Bank Ltd as on 26 December 2025 is 146.
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 19.2.
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 1.03 %.
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.