Share Price and Basic Stock Data
Last Updated: December 16, 2025, 7:13 am
| PEG Ratio | 0.34 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bandhan Bank Ltd, a prominent player in the private banking sector, has demonstrated a commendable growth trajectory in its revenue streams. For the fiscal year ending March 2025, the bank reported revenues of ₹21,948 Cr, up from ₹15,905 Cr in the previous fiscal. This growth trajectory is notable, with quarterly revenues consistently rising, peaking at ₹5,536 Cr in June 2024. The bank’s ability to maintain revenue growth, even in a challenging economic environment, underscores its robust business model and operational resilience. The bank’s revenues have been bolstered by a strong interest income, which stood at ₹10,458 Cr for FY 2025, reflecting a steady increase from ₹6,645 Cr in FY 2023. This growth is indicative of the bank’s effective strategies in managing its lending portfolio, particularly in the retail and microfinance segments where it has a significant presence.
Profitability and Efficiency Metrics
When examining profitability, Bandhan Bank’s net profit for FY 2025 was reported at ₹2,745 Cr, up from ₹2,195 Cr in FY 2023. This increase showcases the bank’s ability to enhance its earnings despite rising operational costs, which amounted to ₹10,555 Cr in FY 2025. The net profit margin improved to 12.50%, reflecting efficient cost management and a focus on high-yield lending products. However, the bank’s return on equity (ROE) stood at a modest 12%, which, while respectable, suggests there is room for improvement compared to larger private sector peers that typically aim for ROEs above 15%. Additionally, the bank’s financing margin has shown fluctuations, recently peaking at 16% in June 2024, indicating potential inconsistencies in interest income relative to its borrowing costs. This volatility could impact long-term profitability if not addressed.
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. The bank has demonstrated prudent growth in its reserves, which reached ₹22,994 Cr, providing a buffer against potential loan defaults. The gross non-performing assets (NPA) ratio, while a concern in earlier quarters, improved to 4.71% by March 2025, indicating effective risk management strategies. However, the net NPA ratio stood at 1.28%, suggesting that while the bank is making strides in managing its asset quality, it still faces challenges in this area. The price-to-book value (P/BV) ratio of 0.95 indicates that the stock is trading below its book value, which might attract value investors. Nevertheless, the cost-to-income ratio at 48.89% appears stretched compared to industry standards, signaling the need for operational efficiency improvements.
Shareholding Pattern and Investor Confidence
Investor confidence in Bandhan Bank appears stable, as reflected in its shareholding pattern. Promoters hold 40.29% of the bank, which is a healthy level of insider ownership. This can often indicate a strong commitment to the bank’s long-term vision. Foreign institutional investors (FIIs) hold 23.44%, while domestic institutional investors (DIIs) account for 17.82%. The public shareholding stands at 18.39%, with 769,192 shareholders. The gradual increase in institutional holdings suggests a growing confidence among investors, particularly as the bank’s performance metrics have improved. However, it’s worth noting the slight decline in FII participation from previous periods, which could indicate some caution among foreign investors regarding the bank’s future prospects amidst sector volatility.
Outlook, Risks, and Final Insight
Looking ahead, Bandhan Bank faces a mixed bag of opportunities and risks. On one hand, the bank’s strong revenue growth and improving asset quality position it well for future expansion in the retail banking sector, especially as India’s economy continues to recover. On the other hand, the fluctuating financing margins and elevated cost-to-income ratio could pose challenges to sustaining profitability. Additionally, the bank must navigate regulatory changes and competitive pressures from both traditional banks and fintech players. Investors should weigh these factors carefully. Engaging with Bandhan Bank may offer potential rewards, but it also requires a keen awareness of the inherent risks in the banking sector, particularly around asset quality and operational efficiency. Overall, a cautious yet optimistic approach could be prudent for those considering an investment in this evolving financial institution.
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 | 2,232 Cr. | 268 | 367/180 | 27.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,363 Cr. | 26.4 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,202 Cr. | 265 | 331/250 | 8.89 | 307 | 1.51 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 68,278 Cr. | 21.8 | 24.3/16.0 | 24.1 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,516 Cr. | 54.2 | 56.3/30.8 | 25.2 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 163,688.35 Cr | 418.63 | 18.44 | 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: 19.9 (Industry average Stock P/E: 18.44)
- 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 | investors@bandhanbank.com https://www.bandhanbank.com |
| 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 December 2025) is 292.73 which is 92.59% higher the current market price of 152.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 24,453 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 24,453 Cr..
What is the current Stock Price of Bandhan Bank Ltd as on 16 December 2025?
The current stock price of Bandhan Bank Ltd as on 16 December 2025 is 152.
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 19.9.
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 0.99 %.
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.