Is Bandhan Bank a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Bandhan Bank Ltd is a good quality company .

Is Bandhan Bank undervalued or overvalued?

The key valuation ratios of Bandhan Bank Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone .

What is Bandhan Bank share price return in the past 10 years?

Data is not available for this company

Is Bandhan Bank a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Bandhan Bank Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

Bandhan Bank Ltd - Stock Valuation and Financial Performance

Name: Bandhan Bank
Brand: Bandhan Bank

BSE: 541153 | NSE: BANDHANBNK | Bank - Private | Small Cap

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Bandhan Bank Share Price

₹159.05 -1.70 -1.06%
as on 30-Dec'24 16:59

10 Year X-Ray of Bandhan Bank:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Net Interest Income (₹ Cr.)	0	933	2,404	3,032	4,495	6,324	7,563	8,714	9,260	10,326	11,345
YoY Gr. Rt. %	-	NA	157.7%	26.2%	48.3%	40.7%	19.6%	15.2%	6.3%	11.5%	-
Total Income	8	1,731	4,320	5,508	7,706	12,435	14,546	16,694	18,373	21,034	23,252
YoY Gr. Rt. %	-	21676.7%	149.5%	27.5%	39.9%	61.4%	17%	14.8%	10.1%	14.5%	-
Adj EPS (₹ )	0	2.5	10.2	11.3	16.4	18.8	13.7	0.8	13.6	13.8	17.3
YoY Gr. Rt. %	-	25000%	304.4%	11.1%	45%	14.8%	-27.1%	-94.3%	1646.2%	1.6%	-
BVPS (₹ )	10	30.5	40.6	78.7	93.9	94.4	108.1	107.9	121.5	133.9	146.8
YoY Gr. Rt. %	-	204.2%	33.3%	93.7%	19.4%	0.5%	14.5%	-0.2%	12.6%	10.2%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	0	2.8	4.5	3.6	3.9	4.1	2.1	0.1	1.5	1.3	1.5
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0.1	0.4	0.6	0.6	0.6	3.5	1.7	1.2	1.1	1.3
To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	-	-	-	-	-	-	-	-	-	-	-

CAGR ⓘ

CAGR Colour Code Guide ⓘ

	9 Years	5 Years	3 Years	1 Years
Net Interest Income	NA	18.1%	10.9%	11.5%
Total Income	140%	22.2%	13.1%	14.5%
Adj EPS	123.4%	-3.3%	0.4%	1.6%
BVPS	33.4%	7.4%	7.4%	10.2%
Share Price	-	-20.6%	-13.9%	-34.1%

Key Financial Ratios


RATIOS \ YEARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Interest Earned / Total Income	0	91.34	90.48	87.18	86.21	87.54	86.1	83.09	86.56	89.71	89.8
Margins	To view Margins Colour Rating Guide click here ⓘ
NIM (%)	0	4.8	8.1	7	8.1	7	6.7	6.6	6.4	6.2	6.3
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	0.1	14.4	28.6	19.5	19	22.9	13.5	0.7	11.9	10.8	11.8
Liquidity Ratio	To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)	0	21.6	29.4	34.3	40.8	36.8	43.4	41.6	39.3	37.1	-

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 12.30%

Total Income has increased 13.08 CAGR in last 3 years

Net Profit has increased 0.36 CAGR in last 3 years

Net NPA to Net Advances has declined versus last 3 years average

Total income growth is good in last 4 quarters

No data to display

Latest Financials - Bandhan Bank Ltd.

	Standalone	Consolidated
TTM EPS (₹)	17.3	-
TTM Sales (₹ Cr.)	20,890	-
BVPS (₹.) ⓘ	146.8	-
Reserves (₹ Cr.) ⓘ	22,040	-
P/BV ⓘ	1.09	-
PE ⓘ	9.29	-

From the Market
52 Week Low / High (₹)	157.10 / 263.15
All Time Low / High (₹)	152.35 / 741.00
Market Cap (₹ Cr.)	25,896
Equity (₹ Cr.)	1,611
Face Value (₹)	10
Industry PE ⓘ	17.9

Management X-Ray of Bandhan Bank:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of Bandhan Bank

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Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

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Key Ratios of Bandhan Bank

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Income	8	1,731	4,320	5,508	7,706	12,435	14,546	16,694	18,373	21,034
Interest Income	0	1,581	3,909	4,802	6,643	10,885	12,524	13,872	15,905	18,870
Other Income ⓘ	8	150	411	706	1,063	1,549	2,022	2,822	2,469	2,165
Expenditure	7	1,456	3,208	4,163	5,755	9,411	12,341	16,568	16,179	18,805
Interest Expense	0	649	1,505	1,770	2,148	4,562	4,961	5,157	6,645	8,544
Operating Expenses	6	616	1,022	1,308	1,810	2,427	2,817	3,524	4,637	5,851
Provisions	2	192	681	1,085	1,797	2,423	4,563	7,888	4,897	4,410
Profit Before Tax	1	414	1,704	2,056	3,013	4,053	2,949	129	2,893	2,943
Taxes	0	138	593	710	1,062	1,030	743	3	698	713
Profit After Tax	1	275	1,112	1,346	1,952	3,024	2,205	126	2,195	2,230
Adjusted EPS (₹)	0.01	2.51	10.15	11.28	16.36	18.78	13.69	0.78	13.62	13.84
Dividend Payout Ratio (%)	0%	0%	0%	9%	18%	0%	7%	0%	11%	11%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Equity and Liabilities
Share Capital ⓘ	501	1,095	1,095	1,193	1,193	1,610	1,611	1,611	1,611	1,611
Total Reserves ⓘ	1	2,239	3,351	8,189	10,009	13,585	15,798	15,765	17,961	19,954
Minority Interest	0	0	0	0	0	0	0	0	0	0
Deposits	0	12,089	23,229	33,869	43,232	57,082	77,972	96,331	1,08,065	1,35,202
Borrowings ⓘ	0	3,052	1,029	285	521	16,379	16,960	19,921	24,711	16,372
Other Liabilities	-502	1,282	1,532	774	1,487	3,062	2,675	5,367	3,689	4,703
Total Liabilities ⓘ	0	19,757	30,236	44,310	56,442	91,718	1,15,016	1,38,995	1,56,037	1,77,842
Assets
Balance with RBI	0	810	6,012	2,837	3,879	6,345	3,335	4,943	7,327	15,393
Balance with Banks	401	2,363	1,353	2,674	1,924	2,008	2,893	4,379	923	778
Investments ⓘ	0	3,758	5,516	8,372	10,037	15,352	25,155	29,079	32,366	29,288
Advances	0	12,438	16,839	29,713	39,643	66,630	81,613	93,975	1,04,757	1,21,137
Net Block ⓘ	109	237	252	238	222	347	432	415	509	959
Other Assets	17	150	264	476	627	1,014	1,533	6,032	9,810	10,073
Total Assets ⓘ	0	19,757	30,236	44,310	56,442	91,718	1,15,016	1,38,995	1,56,037	1,77,842

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Cash Flow From Operating Activity ⓘ	0	6,950	8,885	-2,599	2,695	6,583	-909	902	-4,245	14,808
Cash Flow From Investing Activity ⓘ	-102	-3,714	-2,671	-2,237	-2,373	-5,312	-1,804	-612	-1,618	1,691
Cash Flow From Financing Activity ⓘ	501	-3,723	-2,023	2,846	105	154	588	2,803	4,791	-8,579
Net Cash Flow ⓘ	400	-487	4,192	-1,989	427	1,426	-2,125	3,093	-1,071	7,921

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational & Financial Ratios
EPS (₹)	0	3	10	11	16	19	14	1	14	14
DPS (₹)	0	0	0	1	3	0	1	0	2	2
BVPS (₹)	10	30	41	79	94	94	108	108	122	134
Margin Ratios
Yield on Advances (%)	0.0	12.7	23.2	16.2	16.8	16.3	15.4	14.8	15.2	15.6
Yield on Investments (%)	0.0	3.5	8.2	6.4	6.5	6.2	5.9	5.9	6.1	7.3
Cost of Liabilities (%)	0.0	4.3	6.2	5.2	4.9	6.2	5.2	4.4	5.0	5.6
NIM (%)	0.0	4.8	8.1	7.0	8.1	7.0	6.7	6.6	6.4	6.2
Interest Spread (%)	0.0	8.4	17.0	11.0	11.9	10.1	10.1	10.3	10.2	9.9
Performance Ratios
ROA (%)	0.0	2.8	4.5	3.6	3.9	4.1	2.1	0.1	1.5	1.3
ROE (%)	0.1	14.4	28.6	19.5	19.0	22.9	13.5	0.7	11.9	10.8
ROCE (%)	0.0	26.3	32.4	28.3	28.7	24.6	12.0	2.7	10.0	10.3
Efficiency Ratios
Cost to Income Ratio (%)	71.0	56.9	36.3	35.0	32.6	30.8	29.4	30.5	39.5	46.8
Operating Costs to Assets (%)	0.0	3.1	3.4	3.0	3.2	2.7	2.5	2.5	3.0	3.3
Valuation Parameters
Price/Book(x)	0.0	0.0	0.0	6.0	5.6	2.2	3.1	2.9	1.6	1.4

Bandhan Bank Ltd Stock News

Bandhan Bank Ltd FAQs

What is the share price of Bandhan Bank?

Company share prices are keep on changing according to the market conditions. The closing price of Bandhan Bank on 30-Dec-2024 16:59 is ₹159.1.

What is the market cap of Bandhan Bank?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 30-Dec-2024 16:59 the market cap of Bandhan Bank stood at ₹25,896.4.

What is the P/E ratio of Bandhan Bank?

The latest P/E ratio of Bandhan Bank as of 30-Dec-2024 16:59 is 9.29.

What is the P/B ratio of Bandhan Bank?

The latest P/B ratio of Bandhan Bank as of 30-Dec-2024 16:59 is 1.09.

What is the 52-week high and low of Bandhan Bank?

The 52-week high of Bandhan Bank is ₹263.1 and the 52-week low is ₹157.1.

What is the TTM revenue of Bandhan Bank?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Bandhan Bank is ₹20,890 ( Cr.) .

About Bandhan Bank Ltd

Bandhan Bank started in 2001 as a not-for-profit enterprise that stood for financial inclusion and women empowerment through sustainable livelihood creation. It turned into a non-banking financial company (NBFC) a few years later. In 2015, the Reserve Bank of India (RBI) gave Bandhan the universal banking licence. On August 23, 2015, Bandhan Bank was born with a bouquet of products for customers in all segments. In all the avatars of Bandhan, the objective has remained reaching out to the unbanked and the under-banked, and providing last-mile banking for all, big or small. The core purpose has graduated from financial inclusion to inclusive banking.

The Bank is driven by a constant desire to serve its customers better. It offers world-class banking products and services to urban, semi-urban and rural customers. The experienced management, diversified team, and a well-entrenched distribution network, all of which makes the Bank well poised to meet the aspirations of customers and all other stakeholders, are its key differentiators. The service that the Bank provides to its customers stands out, as it strives every day to nurture every relationship, listening closely to customers, and bringing solutions to them that truly cater to their needs.

Business area of the Bank:

Bandhan Bank is focussed on serving the unbanked and underbanked population of India. It offers world-class banking solutions and financial services in the form of asset and liability products and services. It offers regular banking services, microfinance, MSME, and affordable housing finance to urban, semi-urban and rural customers. It works on the ethos of bringing those outside the purview of India’s formal banking marketplace within the ecosystem.

Awards and Recognitions:

2016-17:

Bandhan Bank received the ‘Special Initiative Award’ for the year 2014-15 as part of FE INDIA’s Best Bank Awards.
Bandhan Bank received the Bihar Mitra Award for Banking and Finance on Bihar Divas in Mumbai.

2017-18:

Bandhan Bank bagged ‘The Hindu Business Line Changemakers Award’. It was selected as Changemaker – Financial Transformation (category).
Bandhan Bank has been declared the ‘Best Private Sector Bank – Government Scheme Participation (PMMY)’ for the Dun & Bradstreet Banking Awards 2017.

2018-19:

Bandhan Bank was declared as the winner in the ‘Noteworthy Lender to the MSE - Private Sector Bank’ category at the SIDBI ET MSE Awards 2018 held on January 2019.
Bandhan Bank was given the ‘Best Bank of the Year’ 2018 at Moneycontrol’s ‘The Wealth Creator Awards’ in November 2018.
Bandhan Bank received the award in ‘Best Performing Bank’ in terms of Aadhaar generation and update (using online client) at the Aadhaar Excellence Awards in October 2018.
Bandhan Bank won the ‘Entrepreneur with Social Impact’ Award at the first edition of the CNBC-AWAAZ CEO Awards 2018 presented by the Chhattisgarh Government in July 2018.

2019-20:

‘Emerging Company of the Year’ at The Economic Times Awards 2019 for Corporate Excellence.
‘Best Bank’ and the ‘Fastest Growing Bank’ in the small size bank category at Businessworld Magna Awards 2019.
‘Fastest Growing Company’ and ‘Excellence in Business Performance’ at The Economic Times Bengal Corporate Awards 2020.
‘Best Indian Banking and Financial Institution’ at Times Business Awards 2020.

Major Events and Milestones:

2001: Bandhan started as a society that stood for financial inclusion and women empowerment through sustainable livelihood creation.
2001: Started microfinance operations in rural Bengal.
2006: Bandhan acquired an NBFC and established Bandhan Financial Services Private Limited, yet the core objective remained that of financial inclusion.
2009: The microfinance portfolio was transferred from society to NBFC.
2010: Bandhan became the largest microfinance institution (MFI) in the country.
2015: Bandhan Bank started operations as a universal bank on August 23.
2015: It became the first microfinance company in India to get a universal banking licence.
2015: On the day of the launch, the Bank started with 2,523 banking outlets.
2018: On the day of listing itself, Bandhan Bank emerged as the 8th most valued bank on the basis of market capitalisation.
2019: Bandhan Bank acquired the stake of HDFC Limited in GRUH Finance, one of India’s foremost affordable housing finance companies.
2020: The Bank set up its 1,000th bank branch and 4,000th banking outlet.