Bandhan Bank Ltd’s fundamental analysis reveals key financial metrics: Market Cap of ₹32,580.26 crores, PE Ratio of 14.61, and Return on Equity of 10.82%. These indicators offer insights into the company’s financial health and market valuation. Debt-to-equity data is not available.
Content:
- Bandhan Bank Ltd Overview
- Bandhan Bank Financial Results
- Bandhan Bank Financial Analysis
- Bandhan Bank Ltd Company Metrics
- Bandhan Bank Ltd Stock Performance
- Bandhan Bank Ltd Peer Comparison
- Bandhan Bank Shareholding Pattern
- Bandhan Bank History
- How To Invest In Bandhan Bank Ltd Share?
- Bandhan Bank Limited Fundamental Analysis – FAQs
Bandhan Bank Ltd Overview
Bandhan Bank Ltd is an Indian banking company providing a wide range of financial services. It operates in the banking sector, focusing on retail banking, corporate/wholesale banking, and treasury operations.
The company is listed on both the NSE and BSE. With a market capitalization of ₹32,580.26 crore, it’s currently 30.09% away from its 52-week high and 19.56% away from its 52-week low.
Bandhan Bank Financial Results
Bandhan Bank reported consistent financial performance from FY 22 to FY 24. Total income rose from ₹16,694 crore in FY 22 to ₹21,034 crore in FY 24, while net profit improved to ₹2,230 crore from ₹107.77 crore during the same period.
1. Revenue Trend: Total income increased from ₹18,373 crore in FY 23 to ₹21,034 crore in FY 24, showcasing steady growth in revenue over the fiscal years.
2. Equity and Liabilities: Equity capital remained constant at ₹1,611 crore, while total liabilities rose from ₹1,55,770 crore in FY 23 to ₹1,77,842 crore in FY 24, indicating expansion.
3. Profitability: Operating profit margin slightly decreased to 31.57% in FY 24 from 38.60% in FY 23, reflecting a marginal decline in operational efficiency.
4. Earnings per Share (EPS): EPS improved from ₹13.62 in FY 23 to ₹13.84 in FY 24, signaling an increase in profitability per share despite challenging market conditions.
5. Return on Net Worth (RoNW): Although specific RoNW figures are not provided, the consistent EPS suggests stable returns on shareholder equity from FY 23 to FY 24.
6. Financial Position: Total assets grew from ₹1,55,770 crore in FY 23 to ₹1,77,842 crore in FY 24, reflecting a strengthened financial position and enhanced business operations.
Bandhan Bank Financial Analysis
| FY 24 | FY 23 | FY 22 | |
| Total Income | 21,034 | 18,373 | 16,694 |
| Total Expenses | 14,395 | 11,282 | 8,681 |
| Pre-Provisioning Operating Profit | 6,639 | 7,091 | 8,013 |
| PPOP Margin (%) | 32 | 39 | 48 |
| Provisions and Contingencies | 3,697 | 4,198 | 7,885 |
| Profit Before Tax | 2,943 | 2,893 | 129 |
| Tax % | 24 | 24 | 16 |
| Net Profit | 2,230 | 2,195 | 108 |
| EPS | 14 | 14 | 1 |
| Net Interest Income | 10,326 | 9,260 | 8,714 |
| NIM (%) | 7 | 7 | 8 |
| Dividend Payout % | 10.84 | 0 | 0 |
* Consolidated Figures in Rs. Crores
Bandhan Bank Ltd Company Metrics
Bandhan Bank Ltd’s company metrics include a market capitalization of ₹32,580.26 crore, a book value per share of ₹134, and a face value of ₹10. With a return on equity of 10.82% and a 0.74% dividend yield, these figures underscore the company’s financial position and investment profile.
Market Capitalization:
Market Capitalization represents the total market value of Bandhan Bank’s outstanding shares, amounting to ₹32,580.26 crore.
Book Value:
The book value per share of Bandhan Bank Ltd is ₹134 indicating the value of the company’s net assets divided by its shares outstanding.
Face Value:
The face value of Bandhan Bank’s shares is ₹10, which is the original cost of the shares as stated on the certificate.
Asset Turnover Ratio:
The asset turnover ratio of 0.13 measures how efficiently Bandhan Bank uses its assets to generate revenue.
Total Debt:
The total debt information for Bandhan Bank is not provided in the given data.
Return on Equity (ROE):
The ROE of 10.82% measures Bandhan Bank’s profitability in generating income from its equity investments.
EBITDA (Q):
The quarterly EBITDA of ₹1,417.89 crore represents Bandhan Bank’s earnings before interest, taxes, depreciation, and amortization.
Dividend Yield:
The dividend yield of 0.74% shows the annual dividend payment as a percentage of Bandhan Bank’s current share price, indicating the return on investment from dividends alone.
Bandhan Bank Ltd Stock Performance
Bandhan Bank Ltd has exhibited a -15.4% ROI over 1 year, -13.1% over 3 years, and -17.3% over 5 years. This shows a consistent decline in performance over these periods, indicating challenges in generating positive returns for investors.
| Period | Return on Investment (%) |
| 1 Year | -15.4 |
| 3 Years | -13.1 |
| 5 Years | -17.3 |
Example: If an investor had invested ₹1,000 in Bandhan Bank Ltd stock:
1 year ago, their investment would be worth ₹846.
3 years ago, their investment would be approximately ₹869.
5 years ago, their investment would have declined to approximately ₹827.
Bandhan Bank Ltd Peer Comparison
Bandhan Bank Ltd faces stiff competition from peers like HDFC Bank, ICICI Bank, and Axis Bank. With a market cap of ₹31,019 crore and a P/E ratio of 14.61, Bandhan Bank shows a 1-year return of -15%, ROE of 11%, and a dividend yield of 0.78%.
| Name | CMP Rs. | Mar Cap Rs.Cr. | P/E | ROE % | EPS 12M Rs. | 1Yr return % | ROCE % | Div Yld % |
| HDFC Bank | 1,603 | 12,20,538 | 18 | 17 | 90 | 0 | 8 | 1.22 |
| ICICI Bank | 1,168 | 8,22,145 | 18 | 19 | 65 | 22 | 8 | 0.86 |
| Axis Bank | 1,160 | 3,58,533 | 13 | 18 | 87 | 23 | 7.06 | 0.09 |
| Kotak Mah. Bank | 1,752 | 3,48,220 | 19 | 15 | 108 | -2.34 | 7.86 | 0.11 |
| IndusInd Bank | 1,351 | 1,05,157 | 12 | 15 | 115 | -3 | 8 | 1.22 |
| IDBI Bank | 94 | 1,00,567 | 16 | 12 | 6 | 47 | 6.23 | 1.60 |
| Yes Bank | 24 | 75,581 | 52 | 3 | 0 | 42 | 5.83 | – |
| Bandhan Bank | 193 | 31,019 | 15 | 11 | 16 | -15 | 7 | 0.78 |
Bandhan Bank Shareholding Pattern
Bandhan Bank Ltd has seen stable promoter holdings at 39.98% from Dec 2023 to Jun 2024. FII holdings decreased from 34.75% to 28.25%, while DII holdings increased from 12.42% to 15.06%. Retail and others’ holdings rose from 10.49% to 16.7%.
| All values in % | Jun-24 | Mar-24 | Dec-23 |
| Promoters | 39.98 | 39.98 | 40 |
| FII | 28.25 | 31.2 | 34.75 |
| DII | 15.06 | 12.42 | 14.79 |
| Retail & others | 16.7 | 16.39 | 10.49 |
Bandhan Bank History
Bandhan Bank Limited is an India-based banking company operating across various segments including Treasury, Retail Banking, Corporate/Wholesale Banking, and Other Banking Business. The Treasury segment manages investments in securities and trading operations, while also overseeing central funding.
The Retail Banking segment focuses on lending to individuals and small businesses through branch networks and other delivery channels. It offers various products including liability products, card services, internet banking, mobile banking, ATM services, and NRI services, with all branch-sourced deposits classified under this category.
The Other Banking Business segment encompasses para-banking activities such as third-party product distribution and additional banking transactions. Bandhan Bank offers a diverse range of loan products including Subriddhi, Suraksha, Sushiksha, Sahayata Suyog, Bazaar, and Micro Home loans.
How To Invest In Bandhan Bank Ltd Share?
To invest in Bandhan Bank shares, open a demat account with Alice Blue. Research the company’s fundamentals, financial performance, and market position in the banking sector. Analyze historical stock data and compare it with industry peers.
Determine your investment strategy based on your financial goals and risk tolerance. Consider factors such as the bank’s loan book quality, deposit growth, and regulatory environment. Decide on the investment amount and timing.
Place your order through the broker’s platform. Regularly monitor your investment, staying updated on company news, quarterly results, and banking sector trends. Consider seeking advice from a financial advisor for personalized guidance and to ensure your investment aligns with your overall portfolio strategy.
Bandhan Bank Limited Fundamental Analysis – FAQs
Bandhan Bank Ltd’s fundamental analysis reveals a Market Cap of ₹32,580.26 crore, a PE Ratio of 14.61, and a Return on Equity of 10.82%. These metrics provide insights into the company’s financial health, profitability, and market valuation. Debt-to-equity data is not available.
Bandhan Bank’s market capitalization is ₹32,580.26 crore. This figure represents the total value of the company’s outstanding shares in the stock market, calculated by multiplying the current stock price by the number of outstanding shares.
Bandhan Bank Limited is an Indian banking company offering a wide range of financial services. It operates in various segments including retail banking, corporate/wholesale banking, and treasury operations, providing diverse products such as loans, deposits, and digital banking services.
Bandhan Bank is a public limited company owned by its shareholders. It was founded by Chandra Shekhar Ghosh, who plays a key role in the bank’s management. As a listed entity, ownership is distributed among various investors, including promoters and public shareholders.
The main shareholders of Bandhan Bank Ltd typically include the promoter group, domestic and foreign institutional investors, and public shareholders. For the most current and accurate information on major shareholders, refer to the bank’s latest shareholding pattern disclosure.
Bandhan Bank operates in the banking and financial services industry. It provides a range of banking services including retail banking, corporate banking, and treasury operations. The bank focuses on serving both individual customers and businesses across India.
To invest in Bandhan Bank shares, open a demat account with Alice Blue. Research the bank’s performance and industry trends. Decide on your investment strategy. Place your order through the broker’s platform. Regularly monitor your investment, staying informed about market conditions. Consider seeking financial advice for personalized guidance.
Determining if Bandhan Bank is overvalued or undervalued requires analyzing its financials, growth prospects, asset quality, and peer comparison. Consider factors like PE ratio, book value, and future potential. Consult recent analyst reports for expert opinions on the bank’s valuation.
