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Fundamental Analysis of Bandhan Bank Ltd

About the Company - Bandhan Bank Ltd

Bandhan Bank Ltd. is a Public Limited Listed company incorporated on 23/12/2014 and has its registered office in the State of West Bengal, India. Company’s Corporate Identification Number(CIN) is L67190WB2014PLC204622 and registration number is 204622. Currently Company is involved in the business activities of Monetary intermediation of commercial banks, saving banks. postal savings bank and discount houses. Company’s Total Operating Revenue is Rs. 13871.12 Cr. and Equity Capital is Rs. 1610.77 Cr. for the Year ended 31/03/2022.
Finance - Banks - Private SectorDN 32, Sector V, Kolkata West Bengal
NamePosition Held
Dr. Anup Kumar SinhaNon Exe.Ind.Chairman
Mr. Chandra Shekhar GhoshManaging Director & CEO
Mr. Ratan Kumar KeshExecutive Director
Mr. Suhail ChanderIndependent Director
Dr. Aparajita MitraIndependent Director
Mr. Subrata Dutta GuptaIndependent Director
Mr. Philip MathewIndependent Director
Dr. Allamraju Subramanyu RamasastriIndependent Director
Mr. N V P TendulkarIndependent Director
Mr. Vijay N BhattIndependent Director
Mr. Santanu MukherjeeIndependent Director
Dr. Holger Dirk MichaelisNominee Director
Mr. Divya KrishnanNominee Director

Bandhan Bank Ltd. Share Price Update

Share PriceValue
Previous Day₹237.30

Basic Stock Data of Bandhan Bank Ltd

Market Cap 38,412 Cr.
Current Price 238
High / Low272/182
Stock P/E15.1
Book Value 122
Dividend Yield0.63 %
ROCE6.67 %
ROE11.9 %
Face Value 10.0

Bandhan Bank Ltd Quarterly Results

MonthSep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
Financing Profit866283-652-121-4,5564351,552848-203-653432575407
Financing Margin %27%9%-22%-4%-143%13%40%21%-5%-17%10%13%9%
Other Income3675627876175277099643304761,033629385540
Profit before tax1,233845135496-4,0291,1442,5171,1782733811,061960947
Tax %25%25%24%25%25%25%24%25%23%24%24%25%24%
Net Profit920633103373-3,0098591,902886209291808721721
EPS in Rs5.713.930.642.32-18.685.3311.815.501.301.805.024.484.48
Gross NPA %1.18%1.11%6.81%8.18%10.82%10.81%6.46%7.25%7.19%7.15%4.87%6.76%7.32%
Net NPA %0.36%0.26%3.51%3.29%3.04%3.01%1.66%1.92%1.86%1.86%1.17%2.18%2.32%

Bandhan Bank Ltd Quarterly Chart

Bandhan Bank Ltd Profit & Loss

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Financing Profit-62991,3601,4362,0282,5841,029-2,584567761
Financing Margin %19%35%30%31%24%8%-19%4%4%
Other Income81504117061,0631,5492,0222,8222,4692,588
Profit before tax24141,7042,0563,0134,0532,9491292,8933,349
Tax %75%33%35%35%35%25%25%2%24%
Net Profit12751,1121,3461,9523,0242,2051262,1952,541
EPS in Rs0.012.5110.1511.2816.3618.7813.690.7813.6215.78
Dividend Payout %0%0%0%9%18%0%7%0%11%

Bandhan Bank Ltd Profit & Loss Yearly Chart

Bandhan Bank Ltd Growth

Compounded Sales Growth
10 Years::%
5 Years::27%
3 Years::13%

Bandhan Bank Ltd Growth

Compounded Profit Growth
10 Years::%
5 Years::10%
3 Years::-10%

Bandhan Bank Ltd Growth

Stock Price CAGR
10 Years::%
5 Years::-13%
3 Years::-17%
1 Year::-4%

Bandhan Bank Ltd Growth

Return on Equity
10 Years::%
5 Years::13%
3 Years::9%
Last Year::12%

Bandhan Bank Ltd Balance Sheet

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Sep 2023
Equity Capital5011,0951,0951,1931,1931,6101,6111,6111,6111,611
Other Liabilities251,2821,5327741,4873,0622,6755,3623,406
Total Liabilities52719,75630,23644,31056,44291,718115,016138,995155,770
Fixed Assets0237252238222347432415509
Other Assets41815,76124,46835,70046,07375,99789,374109,329122,549
Total Assets52719,75630,23644,31056,44291,718115,016138,995155,770

Bandhan Bank Ltd Reserves and Borrowings Chart

Bandhan Bank Ltd Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity 8,885-2,5992,6956,583-909902-4,245
Cash from Investing Activity -2,671-2,237-2,373-4,187-1,804-612-1,618
Cash from Financing Activity -2,0232,8461051545882,8034,791
Net Cash Flow4,192-1,9894272,550-2,1253,093-1,071

Bandhan Bank Ltd Financial Efficiency Indicators Chart

Bandhan Bank Ltd Share Holding Pattern

MonthDec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
No. of Shareholders3,65,4924,71,8774,78,8975,47,3525,43,0124,58,1634,31,9204,66,3875,27,5035,28,8764,87,8555,32,157

Bandhan Bank Ltd Shareholding Pattern Chart

No. of Bandhan Bank Ltd Shareholders

Bandhan Bank Ltd Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)
Aditya Birla Sun Life Frontline Equity Fund116026421.23291.92
Nippon India Focused Equity Fund65245602.3164.16
SBI Arbitrage Opportunities Fund61825000.73155.55
Aditya Birla Sun Life Focused Fund54184032.18136.33
ICICI Prudential Equity - Arbitrage Fund53575000.96134.79
Invesco India Arbitrage Fund53525001.65134.67
Kotak Multicap Fund53177432.12133.79
Aditya Birla Sun Life ELSS Tax Relief 9651520290.91129.63
Nippon India Banking & Financial Services Fund51066162.77128.48
Kotak Small Cap Fund - Regular Plan39816880.81100.18

Bandhan Bank Ltd ROCE Trend

Bandhan Bank Ltd EPS Trend

Bandhan Bank Ltd Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.)13.620.7813.7018.7816.36
Diluted EPS (Rs.)13.620.7813.6918.7616.34
Cash EPS (Rs.)14.511.4614.3319.2817.01
Book Value[Excl.RevalReserv]/Share (Rs.)121.58107.91108.0894.3793.89
Book Value[Incl.RevalReserv]/Share (Rs.)121.58107.91108.0894.3793.89
Dividend / Share (Rs.)
Operating Revenue / Share (Rs.)98.7386.1177.7667.6055.68
Net Profit / Share (Rs.)13.620.7813.6918.7816.36
Interest Income / Employee (Rs.)2281813.952303751.842532958.192738488.892054099.75
Net Profit / Employee (Rs.)314860.1220892.20446042.45760688.69603395.55
Business / Employee (Rs.)30533712.3231606440.6532275275.7131122377.6725624579.19
Interest Income / Branch (Rs.)112719345.15116662070.65109191035.54106930189.9467376971.78
Net Profit / Branches (Rs.)15553777.461057981.5019228046.1429702726.4519792108.44
Business / Branches (Rs.)1508335092.841600551217.831391326074.731215240188.87840517383.45
Net Profit Margin (%)13.790.9017.6027.7729.37
Operating Profit Margin (%)-1.72-19.440.7613.5413.37
Return On Assets (%)1.400.091.913.293.45
Return On Equity / Networth (%)11.200.7212.6619.8917.42
Net Interest Margin (X)5.946.276.576.897.96
Cost To Income (%)51.8868.3551.0238.9946.80
Interest Income / Total Assets (%)10.219.9810.8911.8611.77
Non-Interest Income / Total Assets (%)1.582.031.831.681.88
Operating Profit / Total Assets (%)-0.17-1.940.081.601.57
Operating Expenses / Total Assets (%)2.972.532.442.643.20
Interest Expenses / Total Assets (%)4.263.714.314.973.80
Enterprise Value (Rs.Cr.)156977.62160824.22144256.2499908.47102504.70
EV Per Net Sales (X)9.8711.5911.529.1815.43
Price To Book Value (X)1.612.853.132.165.59
Price To Sales (X)1.983.574.363.019.43
Retention Ratios (%)100.00-28.04100.00100.0092.63
Earnings Yield (X)

Bandhan Bank Ltd Profitability Ratios (%)

Bandhan Bank Ltd Liquidity Ratios

Bandhan Bank Ltd Liquidity Ratios (%)

Bandhan Bank Ltd Interest Coverage Ratios (%)

Bandhan Bank Ltd Valuation Ratios

Fair Value of Bandhan Bank Ltd Stock

Fair Value: ₹220.60

The stock is overvalued by 7.31% compared to the current price ₹238

*Investments are subject to market risks

Strength and Weakness of Bandhan Bank Ltd Stock

Unable to fetch valid data for stock valuation.