1. Is Bandhan Bank Ltd a good quality company?
Past 10 year's financial track record analysis by Moneyworks4me indicates that Bandhan Bank Ltd is a good quality company.
2. Is Bandhan Bank Ltd 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 Somewhat Undervalued zone.
3. Is Bandhan Bank Ltd 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.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
|Net Interest Income (₹ Cr.)||0||0||0||933||2,404||3,032||4,495||6,324||7,563||8,714||9,372|
|YoY Gr. Rt. %||-||NA||NA||NA||157.7%||26.2%||48.3%||40.7%||19.6%||15.2%||-|
|YoY Gr. Rt. %||-||NA||NA||21676.7%||149.5%||27.5%||39.9%||61.4%||17%||14.8%||-|
|Adj EPS (₹ )||0||0||0||2.5||10.2||11.3||16.4||18.8||13.7||0.8||23.9|
|YoY Gr. Rt. %||-||NA||NA||NA||304.4%||11.1%||45%||14.8%||-27.1%||-94.3%||-|
|BVPS (₹ )||0||0||0||30.5||40.6||78.7||93.9||94.4||108.1||107.9||114.7|
|YoY Gr. Rt. %||-||NA||NA||NA||33.3%||93.7%||19.4%||0.5%||14.5%||-0.2%||-|
|To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ|
|Net Profit/Total Funds (%)||0||0||0||2.8||4.5||3.6||3.9||4.1||2.1||0.1||2.8|
|To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ|
|Net NPA to Net Advances (%)||0||0||0||0.1||0.4||0.6||0.6||0.6||3.5||1.7||1.9|
|To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ|
|Capital Adequacy Ratio (%)||-||-||-||-||-||-||-||-||-||-||-|
CAGR Colour Code Guide ⓘ
|9 Years||5 Years||3 Years||1 Years|
|Net Interest Income||NA||29.4%||24.7%||15.2%|
Key Financial Ratios
|RATIOS \ YEARS||Mar'13||Mar'14||Mar'15||Mar'16||Mar'17||Mar'18||Mar'19||Mar'20||Mar'21||Mar'22||TTM|
|Interest Earned / Total Income||0||0||0||91.34||90.48||87.18||86.21||87.54||86.1||83.09||85.9|
|Margins||To view Margins Colour Rating Guide click here ⓘ|
|Performance Ratios||To view Performance Ratios Colour Rating Guide click here ⓘ|
|Return on Equity (%)||0||0||0.1||14.4||28.6||19.5||19||22.9||13.5||0.7||20.9|
|Liquidity Ratio||To view Liquidity Ratio Colour Rating Guide click here ⓘ|
Return on Equity has increased versus last 3 years average to 21.50%
Total Income has increased 29.39 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
Net Profit has declined -63.74 CAGR in last 3 years
|TTM EPS (₹)||23.9||-|
|TTM Sales (₹ Cr.)||15,109||-|
|BVPS (₹.) ⓘ||114.7||-|
|Reserves (₹ Cr.) ⓘ||16,872||-|
|From the Market|
|52 Week Low / High (₹)||209.45 / 349.50|
|All Time Low / High (₹)||152.35 / 741.00|
|Market Cap (₹ Cr.)||37,951|
|Equity (₹ Cr.)||1,610.8|
|Face Value (₹)||10|
|Industry PE ⓘ||21.7|
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:
Major Events and Milestones: