Banks
Valuation | |
|---|---|
| Market Cap | 25.62 kCr |
| Price/Earnings (Trailing) | 14.67 |
| Price/Sales (Trailing) | 1.05 |
| EV/EBITDA | 2.1 |
| Price/Free Cashflow | 9.46 |
| MarketCap/EBT | 20 |
| Enterprise Value | 25.62 kCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | 2.8% |
| Price Change 1M | 7.8% |
| Price Change 6M | -3.7% |
| Price Change 1Y | 4.4% |
| 3Y Cumulative Return | -12.2% |
| 5Y Cumulative Return | -13.6% |
| 7Y Cumulative Return | -14.2% |
Cash Flow & Liquidity |
|---|
| Revenue (TTM) |
| 24.36 kCr |
| Rev. Growth (Yr) | -6.9% |
| Earnings (TTM) | 1.01 kCr |
| Earnings Growth (Yr) | -51.8% |
Profitability | |
|---|---|
| Operating Margin | 25% |
| EBT Margin | 5% |
| Return on Equity | 0.52% |
| Return on Assets | 0.52% |
| Free Cashflow Yield | 10.57% |
| Cash Flow from Investing (TTM) | -3.88 kCr |
| Cash Flow from Operations (TTM) | 2.75 kCr |
| Cash Flow from Financing (TTM) | -5.47 kCr |
| Free Cash Flow (TTM) | 2.75 kCr |
| Free Cash Flow/Share (TTM) | 17.08 |
Balance Sheet | |
|---|---|
| Total Assets | 1.95 LCr |
| Shareholder Equity | 1.95 LCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.88 |
| Interest/Cashflow Ops | 1.26 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 1.5 |
| Dividend Yield | 0.94% |
| Shares Dilution (1Y) | 0.00% |
| Shares Dilution (3Y) | 0.00% |
Momentum: Stock price has a strong positive momentum. Stock is up 7.8% in last 30 days.
Balance Sheet: Strong Balance Sheet.
Smart Money: Smart money has been increasing their position in the stock.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Size: Market Cap wise it is among the top 20% companies of india.
Past Returns: Underperforming stock! In past three years, the stock has provided -12.2% return compared to 13.2% by NIFTY 50.
Momentum: Stock price has a strong positive momentum. Stock is up 7.8% in last 30 days.
Balance Sheet: Strong Balance Sheet.
Smart Money: Smart money has been increasing their position in the stock.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Size: Market Cap wise it is among the top 20% companies of india.
Past Returns: Underperforming stock! In past three years, the stock has provided -12.2% return compared to 13.2% by NIFTY 50.
Investor Care | |
|---|---|
| Dividend Yield | 0.94% |
| Dividend/Share (TTM) | 1.5 |
| Shares Dilution (1Y) | 0.00% |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 66.34 |
| RSI (5d) | 63.25 |
| RSI (21d) | 61.42 |
| MACD Signal | Buy |
| Stochastic Oscillator Signal | Sell |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| RSI5 Signal | Hold |
| RSI21 Signal | Hold |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Buy |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Buy |
| SMA 100 Signal | Buy |
Summary of Bandhan Bank's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
In their latest earnings call, management of Bandhan Bank provided insights into their outlook and key initiatives for the coming periods. They emphasized a strategic focus on quality growth, affirming that gross advances reached approximately Rs 1.45 lakh crores, reflecting a 10% YoY growth. Significant milestones included the sale of Rs 3,707 crores in written-off portfolios and Rs 3,165 crores in NPAs, enhancing cash reserves and balance sheet strength.
Forward-looking points highlighted include:
Management indicated that while CASA improvement remains a priority, they are focused on enhancing customer engagement to leverage their retail deposit base, with CASA currently at 27% of total deposits. Overall, the outlook reflects confidence in achieving stable and sustainable growth while reinforcing the bank's operational frameworks to mitigate risks.
Understand Bandhan Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| BANDHAN FINANCIAL HOLDINGS LIMITED | 39.07% |
| SBI BALANCED ADVANTAGE FUND | 3.45% |
| CALADIUM INVESTMENT PTE. LTD. | 2.46% |
| HDFC LARGE AND MID CAP FUND | 1.69% |
| ICICI PRUDENTIAL BANKING AND FINANCIAL SERVICES FUND | 1.67% |
| VONTOBEL FUND - MTX SUSTAINABLE EMERGING MARKETS L | 1.57% |
Detailed comparison of Bandhan Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| KOTAKBANK | Kotak Mahindra Bank | 4.2 LCr | 1.07 LCr | -1.50% | +10.20% | 19.39 | 3.94 | - | - |
| AUBANK | AU Small Finance Bank | 74.05 kCr |
Comprehensive comparison against sector averages
BANDHANBNK metrics compared to Banks
| Category | BANDHANBNK | Banks |
|---|---|---|
| PE | 14.67 | 18.87 |
| PS | 1.05 | 2.65 |
| Growth | -1 % | 5 % |
Bandhan Bank is a Private Sector Bank based in India, recognized by its stock ticker BANDHANBNK. With a market capitalization of Rs. 26,461.8 Crores, it specializes in providing a wide array of banking and financial services for both personal and business customers.
The bank operates through several segments, including Treasury, Retail Banking, Corporate/Wholesale Banking, and Other Banking Business. It offers various products and services such as:
Additionally, Bandhan Bank is involved in demat and trading activities and offers an extensive range of services, including:
Founded in 2001 and headquartered in Kolkata, India, Bandhan Bank has shown significant growth, reporting a trailing 12-month revenue of Rs. 24,615.9 Crores, with a remarkable revenue growth of 58.6% over the past three years.
For investors, Bandhan Bank provides dividends, currently offering a dividend yield of 1.06% per year, with a recent distribution of Rs. 1.5 dividend per share in the last 12 months.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
BANDHANBNK vs Banks (2021 - 2026)
Here are the major questions and their respective answers from the Q&A section of the Bandhan Bank Q3 FY26 earnings call transcript:
Question from Jai Mundhra: "Could you specify the EEB slippages during the quarter and the recoveries, if any, for EEB?"
Answer from Partha Pratim Sengupta: "In the quarter, EEB slippages totaled Rs 942 crores, down from Rs 1,118 crores in the previous quarter. Recoveries were Rs 113 crores, leading to a net slippage of Rs 829 crores for EEB."
Question from Jai Mundhra: "Is there a restatement of SMA 0 from the last quarter?"
Answer from Partha Pratim Sengupta: "No, SMA 0 is largely unaffected by the ARC sale. However, there were some state-wise changes in the percentage terms; the overall number remains stable."
Question from Jai Mundhra: "Given the declining MFI slippages and improved disbursements, what is the outlook on EEB asset quality?"
Answer from Partha Pratim Sengupta: "We are seeing positive trends with increased disbursements and decreasing slippages. If this trend continues, we anticipate a healthier EEB asset quality in the coming quarters."
Question from Jai Mundhra: "What guidance can you provide regarding credit costs?"
Answer from Partha Pratim Sengupta: "While it's challenging to offer specific guidance, we believe credit costs will improve in Q4 and are targeting an overall credit cost of 1.6%-1.7% by FY27."
Question from Jai Mundhra: "Can you clarify the treatment and cash returns from the ARC transactions?"
Answer from Rajeev Mantri: "For our sale of NPAs worth Rs 3,165 crores, we received Rs 303 crores in cash. The written-off portfolio sale for Rs 3,707 crores brought Rs 126 crores, impacting our overall NPA figures."
Question from Piran Engineer: "What is the current status and growth trajectory for mortgages given NPAs are increasing?"
Answer from Partha Pratim Sengupta: "We are revamping processes to improve underwriting and reduce NPAs, focusing on structured information rather than personal details. Our mortgage segment is being stabilized to mitigate risks."
Question from Piran Engineer: "How do you foresee net interest margins over the next quarters?"
Answer from Partha Pratim Sengupta: "While difficult to predict, we expect NIMs to improve as funding costs decline, aiming to maintain levels around 6%. We're optimistic as we see early indicators of stability."
Question from Anand Dama: "What is the impact of newly implemented labor codes on future provisions?"
Answer from Rajeev Mantri: "The primary impact has been a Rs 120 crore provision for gratuity. We're assessing further implications based on upcoming regulations."
Question from Pankaj Agrawal: "What measures are you implementing to manage credit risk and improve profitability for shareholders?"
Answer from Partha Pratim Sengupta: "We are diversifying our asset allocation from microfinance, which has reduced from over 80% to around 35%, improving risk management. This transition will take time, but we are committed to enhancing returns."
This summarizes key questions and responses, capturing the essence of the dialogue during the earnings call.
| MFS EMERGING MARKETS EQUITY FUND |
| 1.46% |
| PI OPPORTUNITIES AIF V LLP | 1.17% |
| BANDHAN MUTUAL FUND (Trustee: Bandhan Mutual Fund Trustee Limited) | 0.67% |
| BANDHAN INVESTMENT MANAGERS (MAURITIUS) LIMITED | 0% |
| GENISYS SOFTWARE LIMITED, UK | 0% |
| GENISYS SOFTWARE LIMITED, USA | 0% |
| BANDHAN TECHNOLOGIES LLC, DUBAI | 0% |
| BANDHAN FINANCIAL SERVICES LIMITED | 0% |
| FINANCIAL INCLUSION TRUST (Trustees: Sanjit Kumar Mallick, Arindam Banik and Soumendu Sengupta) | 0% |
| NORTH EAST FINANCIAL INCLUSION TRUST (Trustees: Amit Hazra, Jayanta Choudhury, Pradip Dutta Gupta) | 0% |
| BANDHAN KONNAGAR | 0% |
| BANDHAN AMC LIMITED | 0% |
| BANDHAN MUTUAL FUND TRUSTEE LIMITED | 0% |
| QUADRA MEDICAL SERVICES PRIVATE LIMITED | 0% |
Distribution across major stakeholders
Distribution across major institutional holders
| 20.9 kCr |
| -1.30% |
| +69.10% |
| 28.1 |
| 3.54 |
| - |
| - |
| IDFCFIRSTB | IDFC FIRST BANK | 73.16 kCr | 44.98 kCr | +0.80% | +33.60% | 35.91 | 1.59 | - | - |
| FEDERALBNK | Federal Bank | 70.61 kCr | 33.3 kCr | +10.90% | +56.20% | 12.42 | 2.12 | - | - |
| INDUSINDBK | IndusInd Bank | 70.4 kCr | 52.1 kCr | +0.60% | -15.20% | 26.32 | 1.35 | - | - |
| RBLBANK | RBL Bank | 18.64 kCr | 18.15 kCr | -5.20% | +79.50% | 22.35 | 1.03 | - | - |
| 5.2% |
| 1,133 |
| 1,077 |
| 1,124 |
| 1,084 |
| 1,227 |
| 1,044 |
| Other operating expenses | 7.2% | 801 | 747 | 691 | 800 | 677 | 644 |
| Operating expenses | 6% | 1,934 | 1,825 | 1,815 | 1,884 | 1,905 | 1,688 |
| Operating profit | 10.3% | 1,445 | 1,310 | 1,668 | 1,571 | 2,021 | 1,855 |
| Provisions other than tax and contingencies | 0.2% | 1,155 | 1,153 | 1,147 | 1,260 | 1,376 | 606 |
| Profit before tax | 84.1% | 290 | 158 | 521 | 311 | 645 | 1,249 |
| Tax expense | 86.7% | 85 | 46 | 150 | -6.72 | 219 | 311 |
| Profit after tax | 84.7% | 206 | 112 | 372 | 318 | 426 | 937 |
| Net profit (loss) for the period | 84.7% | 206 | 112 | 372 | 318 | 426 | 937 |
| Reserve excluding revaluation reserves | - | - | - | - | - | - | - |
| CET 1 ratio | -1.1% | 0.1733 | 0.1823 | 0.1908 | 0.1871 | 0.1454 | 0.1434 |
| Gross non performing assets | -31.5% | 4,805 | 7,015 | 6,623 | 6,436 | 6,178 | 6,105 |
| Non performing assets | -24% | 1,402 | 1,844 | 1,744 | 1,693 | 1,637 | 1,620 |
| Return on assets | 0.1% | 011 | 006 | 02 | 017 | 0 | 0 |
Analysis of Bandhan Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
No revenue data available.