Share Price and Basic Stock Data
Last Updated: November 22, 2025, 8:04 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 operates within the private sector banking space, focusing on microfinance and retail banking services. The bank reported a revenue of ₹15,905 Cr for FY 2023, which increased to ₹18,870 Cr in FY 2024, demonstrating a robust growth trajectory. This upward trend continued into FY 2025, where revenue rose to ₹21,948 Cr. The quarterly revenue figures also reflect consistent performance, with ₹4,523 Cr in June 2023 and ₹5,189 Cr in March 2024. Bandhan Bank’s revenue growth is supported by a strategic focus on expanding its customer base and enhancing its product offerings, particularly in microloans, which cater to underserved segments of the market. The bank’s ability to maintain a steady revenue growth rate positions it favorably against industry competitors, bolstering its market presence.
Profitability and Efficiency Metrics
Bandhan Bank’s profitability metrics indicate a mixed performance amid challenging market conditions. The net profit for FY 2023 stood at ₹2,195 Cr, rising to ₹2,230 Cr in FY 2024, and is expected to reach ₹2,745 Cr in FY 2025. However, the bank’s Return on Equity (ROE) was reported at 12% for FY 2024 and is projected to improve to 12% in FY 2025, reflecting stable profitability relative to equity. The bank’s net profit margin stood at 12.50% for FY 2025, showcasing its ability to convert revenue into profit efficiently. Nevertheless, the financing margin fluctuated, with a negative margin recorded in FY 2022, emphasizing potential volatility in profitability. Bandhan Bank’s operational efficiency, as seen through its cost-to-income ratio of 48.89% for FY 2025, indicates a need for ongoing cost management to enhance profitability.
Balance Sheet Strength and Financial Ratios
Bandhan Bank’s balance sheet exhibits considerable strength, with total assets reported at ₹191,476 Cr for FY 2025, up from ₹177,842 Cr in FY 2024. The bank’s reserves increased to ₹22,994 Cr, reflecting a solid capital foundation. The bank’s equity capital remained stable at ₹1,611 Cr, while borrowings decreased to ₹11,138 Cr, indicating effective liability management. The Price to Book Value (PBV) ratio stood at 0.95, suggesting the stock is undervalued compared to its book value, which was ₹152.73 per share in FY 2025. Furthermore, the Return on Assets (ROA) was recorded at 1.43%, which is competitive within the banking sector. However, the Gross NPA ratio, which stood at 4.71% in March 2025, signals potential asset quality concerns that could impact future profitability. Overall, the balance sheet reflects resilience but necessitates vigilance regarding asset quality.
Shareholding Pattern and Investor Confidence
Bandhan Bank’s shareholding pattern illustrates a diverse ownership structure, with promoters holding 40.29% of the shares as of September 2025. Foreign Institutional Investors (FIIs) accounted for 23.44%, while Domestic Institutional Investors (DIIs) held 17.82%, and the public held 18.39%. This distribution indicates a balanced investor base, which can enhance market stability. The number of shareholders reached 769,192, demonstrating growing retail participation. However, the slight decline in FII ownership from 32.39% in December 2022 to 23.44% in September 2025 raises questions about international investor confidence. Conversely, the increase in DII holdings suggests a positive perception from domestic institutional investors, which may bolster the stock’s stability. This mixed sentiment reflects ongoing investor confidence amid evolving market dynamics.
Outlook, Risks, and Final Insight
Looking ahead, Bandhan Bank’s growth prospects appear promising, driven by its strong revenue trajectory and commitment to expanding its microfinance offerings. Nonetheless, the bank faces significant risks, including asset quality concerns indicated by the Gross NPA ratio of 4.71%. Additionally, fluctuating financing margins could impact profitability in a competitive banking landscape. The bank’s ability to manage operating expenses effectively while maintaining customer acquisition will be crucial for sustained growth. Furthermore, the reduction in FII stake highlights potential volatility in stock performance, which could be a concern for future capital raises. In summary, while Bandhan Bank demonstrates strengths in revenue growth and balance sheet resilience, it must navigate the challenges of asset quality and investor sentiment to achieve long-term success. The bank’s management strategies in addressing these risks will be critical in shaping its future trajectory.
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 | 2,314 Cr. | 278 | 372/180 | 28.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,394 Cr. | 27.0 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,255 Cr. | 278 | 331/250 | 9.28 | 307 | 1.44 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 70,344 Cr. | 22.4 | 24.3/16.0 | 24.8 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,495 Cr. | 54.2 | 55.2/30.8 | 25.2 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,683.09 Cr | 415.43 | 18.33 | 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: November 15, 2025, 5:41 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: November 9, 2025, 1:43 pm
| 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 |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Frontline Equity Fund | 11,002,642 | 0.97 | 251.96 | 11,002,642 | 2025-04-22 17:25:41 | 0% |
| SBI Arbitrage Opportunities Fund | 7,587,500 | 0.65 | 173.75 | 7,587,500 | 2025-04-22 17:25:41 | 0% |
| Invesco India Arbitrage Fund | 7,155,000 | 1.28 | 163.85 | 7,155,000 | 2025-04-22 17:25:41 | 0% |
| Kotak Equity Arbitrage Fund - Regular Plan | 7,060,000 | 0.45 | 161.67 | 7,060,000 | 2025-04-22 17:25:41 | 0% |
| Nippon India Arbitrage Fund | 6,920,000 | 1.21 | 158.47 | 6,920,000 | 2025-04-22 17:25:41 | 0% |
| Aditya Birla Sun Life Arbitrage Fund | 6,762,500 | 1.58 | 154.86 | 6,762,500 | 2025-04-22 17:25:41 | 0% |
| ICICI Prudential Equity - Arbitrage Fund | 6,082,500 | 0.85 | 139.29 | 6,082,500 | 2025-04-22 17:25:41 | 0% |
| Tata Arbitrage Fund | 6,047,500 | 1.44 | 138.49 | 6,047,500 | 2025-04-22 17:25:41 | 0% |
| Edelweiss Arbitrage Fund | 4,570,000 | 1.29 | 104.65 | 4,570,000 | 2025-04-22 17:25:41 | 0% |
| DSP Dynamic Asset Allocation Fund | 4,567,500 | 3.28 | 104.6 | 4,567,500 | 2025-04-22 17:25:41 | 0% |
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: 19.6 (Industry average Stock P/E: 18.33)
- 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 25 November 2025) is 288.37 which is 93.54% higher the current market price of 149.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 24,016 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 24,016 Cr..
What is the current Stock Price of Bandhan Bank Ltd as on 25 November 2025?
The current stock price of Bandhan Bank Ltd as on 25 November 2025 is 149.
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 19.6.
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 1.01 %.
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.