Share Price and Basic Stock Data
Last Updated: November 4, 2025, 3:45 pm
| PEG Ratio | 0.27 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Bandhan Bank Ltd, a prominent player in the private sector banking industry, reported a revenue of ₹15,905 Cr for the financial year ending March 2023, marking a steady growth trajectory from ₹13,871 Cr in the previous year. The bank’s revenue is anticipated to rise to ₹18,870 Cr by March 2024 and further to ₹21,948 Cr by March 2025. The quarterly revenue figures reflect this positive trend, with ₹4,523 Cr reported in June 2023 and an increase to ₹5,189 Cr expected by March 2024. Interest income also showed a robust increase, rising from ₹6,645 Cr in March 2023 to ₹8,551 Cr in March 2024. This growth is indicative of the bank’s expanding lending capabilities and customer base. Bandhan Bank’s ability to generate other income has also remained consistent, with ₹2,469 Cr in March 2023 and projected to increase to ₹2,967 Cr by March 2025. Overall, the bank’s revenue growth is supported by a diversified income stream and effective customer acquisition strategies.
Profitability and Efficiency Metrics
In terms of profitability, Bandhan Bank reported a net profit of ₹2,054 Cr for the trailing twelve months, reflecting an increase from ₹2,195 Cr in the previous fiscal year. The bank’s earnings per share (EPS) stood at ₹17.04 for the financial year ending March 2025, up from ₹13.62 in March 2023. The net profit margin improved to 12.50% in March 2025, while the operating profit margin was recorded at 18.98%. Return on equity (ROE) was reported at 11.9%, with return on capital employed (ROCE) at 7.82%. However, the financing profit margin has shown volatility, declining to -12% in March 2024 but recovering to 4% by March 2025. Bandhan Bank’s efficiency metrics indicate a strong operational framework, although the presence of fluctuating financing margins presents a risk to consistent profitability. The bank’s ability to maintain a healthy net profit margin amid rising expenses illustrates effective cost management strategies.
Balance Sheet Strength and Financial Ratios
Bandhan Bank’s balance sheet reflects a solid financial foundation, with total assets amounting to ₹191,476 Cr as of March 2025. Reserves increased significantly to ₹22,994 Cr, demonstrating the bank’s capacity to retain earnings for future growth. The bank reported a price-to-earnings (P/E) ratio of 13.8, which is competitive relative to sector norms, suggesting that the stock remains attractively priced given its earnings potential. The price-to-book value (P/BV) ratio stands at 0.95, indicating that the shares are trading below their book value, which could signal potential value for investors. Additionally, the net non-performing asset (NPA) ratio improved to 1.28% by March 2025, down from 2.32% in September 2023, reflecting effective asset quality management. However, the bank’s cost-to-income ratio of 48.89% is higher than typical sector averages, indicating that operational efficiency remains an area for improvement.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Bandhan Bank showcases a diverse base of investors, with promoters holding 40.92% of the equity as of June 2025. Foreign institutional investors (FIIs) accounted for 24.34%, while domestic institutional investors (DIIs) held 16.52%. The public shareholding stood at 18.14%, reflecting a broad distribution of shares among retail investors. This diverse ownership structure enhances investor confidence and stability in the bank’s stock. The number of shareholders has also increased significantly, reaching 7,88,123 by June 2025, indicating growing interest in the bank. However, the decline in FII participation from 34.20% in September 2022 to 22.73% in March 2025 raises concerns regarding foreign investor sentiment. The relatively stable promoter holding suggests confidence in the bank’s long-term strategy, while the fluctuations among institutional investors warrant close monitoring.
Outlook, Risks, and Final Insight
Looking ahead, Bandhan Bank’s growth prospects appear robust, driven by increasing revenue, consistent profitability, and a healthy balance sheet. However, the bank faces risks, including potential volatility in financing margins and fluctuations in foreign institutional investment. The bank’s ability to manage its cost-to-income ratio and maintain asset quality will be crucial for sustaining profitability. Additionally, the competitive landscape in the banking sector presents challenges, particularly as fintech companies continue to disrupt traditional banking models. If Bandhan Bank successfully navigates these challenges and enhances operational efficiency, it could solidify its position as a leading private sector bank in India. Conversely, failure to address these operational challenges may hinder growth and investor confidence. Overall, Bandhan Bank’s strategic focus on expanding its customer base and enhancing service offerings will be pivotal in determining 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 | 2,373 Cr. | 285 | 396/180 | 29.6 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,436 Cr. | 27.9 | 46.0/24.3 | 37.8 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,238 Cr. | 273 | 331/250 | 9.16 | 307 | 1.46 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 72,193 Cr. | 23.0 | 24.3/16.0 | 25.4 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,075 Cr. | 52.0 | 54.6/30.8 | 24.2 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 159,842.09 Cr | 408.23 | 18.24 | 238.79 | 0.61% | 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: August 22, 2025, 5:27 pm
| 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 | 21,888 |
| Interest | 0 | 649 | 1,505 | 1,770 | 2,148 | 4,562 | 4,961 | 5,157 | 6,645 | 8,551 | 10,458 | 10,612 |
| Expenses | 6 | 633 | 1,044 | 1,597 | 2,467 | 3,739 | 6,534 | 11,298 | 8,693 | 9,310 | 10,555 | 11,681 |
| Financing Profit | -6 | 299 | 1,360 | 1,436 | 2,028 | 2,584 | 1,029 | -2,584 | 567 | 1,009 | 936 | -405 |
| Financing Margin % | 19% | 35% | 30% | 31% | 24% | 8% | -19% | 4% | 5% | 4% | -2% | |
| Other Income | 8 | 150 | 411 | 706 | 1,063 | 1,549 | 2,022 | 2,823 | 2,469 | 2,171 | 2,967 | 3,132 |
| 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 | 2,727 |
| 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 | 2,054 |
| 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 | 12.75 |
| 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: August 11, 2025, 1:42 pm
| Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 501 | 1,095 | 1,095 | 1,193 | 1,193 | 1,610 | 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 |
| Deposits | 12,089 | 23,229 | 33,869 | 43,232 | 57,082 | 77,972 | 96,331 | 108,065 | 135,202 | 151,212 | |
| Borrowing | 0 | 3,052 | 1,029 | 285 | 521 | 16,379 | 16,960 | 19,921 | 24,711 | 16,372 | 11,138 |
| Other Liabilities | 25 | 1,282 | 1,532 | 774 | 1,487 | 3,062 | 2,675 | 5,234 | 3,677 | 4,659 | 4,520 |
| Total Liabilities | 527 | 19,756 | 30,236 | 44,310 | 56,442 | 91,718 | 115,016 | 138,867 | 156,037 | 177,842 | 191,476 |
| Fixed Assets | 0 | 237 | 252 | 238 | 222 | 347 | 432 | 415 | 509 | 959 | 855 |
| CWIP | 108 | 0 | 0 | 0 | 109 | 22 | 55 | 173 | 346 | 214 | 325 |
| Investments | 0 | 3,758 | 5,516 | 8,372 | 10,037 | 15,352 | 25,155 | 29,079 | 32,366 | 29,288 | 40,712 |
| Other Assets | 418 | 15,761 | 24,468 | 35,700 | 46,073 | 75,997 | 89,374 | 109,200 | 122,817 | 147,381 | 149,584 |
| Total Assets | 527 | 19,756 | 30,236 | 44,310 | 56,442 | 91,718 | 115,016 | 138,867 | 156,037 | 177,842 | 191,476 |
Below is a detailed analysis of the balance sheet data for Bandhan Bank Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 1,611.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 1,611.00 Cr..
- For Reserves, as of Mar 2025, the value is 22,994.00 Cr.. The value appears strong and on an upward trend. It has increased from 19,999.00 Cr. (Mar 2024) to 22,994.00 Cr., marking an increase of 2,995.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 4,520.00 Cr.. The value appears to be improving (decreasing). It has decreased from 4,659.00 Cr. (Mar 2024) to 4,520.00 Cr., marking a decrease of 139.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 191,476.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 177,842.00 Cr. (Mar 2024) to 191,476.00 Cr., marking an increase of 13,634.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 855.00 Cr.. The value appears to be declining and may need further review. It has decreased from 959.00 Cr. (Mar 2024) to 855.00 Cr., marking a decrease of 104.00 Cr..
- For CWIP, as of Mar 2025, the value is 325.00 Cr.. The value appears strong and on an upward trend. It has increased from 214.00 Cr. (Mar 2024) to 325.00 Cr., marking an increase of 111.00 Cr..
- For Investments, as of Mar 2025, the value is 40,712.00 Cr.. The value appears strong and on an upward trend. It has increased from 29,288.00 Cr. (Mar 2024) to 40,712.00 Cr., marking an increase of 11,424.00 Cr..
- For Other Assets, as of Mar 2025, the value is 149,584.00 Cr.. The value appears strong and on an upward trend. It has increased from 147,381.00 Cr. (Mar 2024) to 149,584.00 Cr., marking an increase of 2,203.00 Cr..
- For Total Assets, as of Mar 2025, the value is 191,476.00 Cr.. The value appears strong and on an upward trend. It has increased from 177,842.00 Cr. (Mar 2024) to 191,476.00 Cr., marking an increase of 13,634.00 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 - No data available for this post.
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: 20.5 (Industry average Stock P/E: 18.24)
- 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 04 November 2025) is 301.43 which is 93.22% higher the current market price of 156.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 25,204 Cr. market cap, FY2025-2026 high/low of 192/128, reserves of ₹22,994 Cr, and liabilities of 191,476 Cr.
What is the Market Cap of Bandhan Bank Ltd?
The Market Cap of Bandhan Bank Ltd is 25,204 Cr..
What is the current Stock Price of Bandhan Bank Ltd as on 04 November 2025?
The current stock price of Bandhan Bank Ltd as on 04 November 2025 is 156.
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 20.5.
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 0.95 %.
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.