ScoreWhy is Bandhan Bank Ltd. ?
1
With a fall in Interest of -2.16%, the company declared Very Negative results in Sep 25
- The company has declared negative results for the last 4 consecutive quarters
- The company has declared negative results in Dec 24 after 2 consecutive negative quarters
- PBT LESS OI(Q) At Rs -388.65 cr has Fallen at -270.4% (vs previous 4Q average)
- PAT(Q) At Rs 111.87 cr has Fallen at -78.2% (vs previous 4Q average)
- CREDIT DEPOSIT RATIO(HY) Lowest at 85.15%
2
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -0.63% over the previous quarter and currently hold 40.29% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
3
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -21.06% returns in the last 1 year, the stock has also underperformed BSE500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Bandhan Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bandhan Bank
-21.06%
-0.65
32.60%
Sensex
4.83%
0.41
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
10.32%
Net Profit Growth (5y)
-14.69%
Advance to Deposit
89.27%
Capital Adequacy Ratio (Tier 1)
17.42%
Gross NPA (latest)
5.02%
Gross NPA (avg)
7.01%
Coverage Ratio (avg)
73.36%
Cost to Income (avg)
41.50%
Net Interest Margin (avg)
7.56%
Operating Profit to Assets (avg)
9.14%
ROA (avg)
1.00%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Price to Book Value
0.96
PEG Ratio
NA
Dividend Yield
1.03%
ROE (Latest)
5.00%
ROA (Latest)
0.63%
Net NPA to Book Value
7.50
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
DPS(Y)
Highest at Rs 1.50
-25What is not working for the Company
PBT LESS OI(Q)
At Rs -388.65 cr has Fallen at -270.4% (vs previous 4Q average
PAT(Q)
At Rs 111.87 cr has Fallen at -78.2% (vs previous 4Q average
CREDIT DEPOSIT RATIO(HY)
Lowest at 85.15%
GROSS NPA(Q)
Highest at 5.02%
NII(Q)
Lowest at Rs 2,588.56 cr
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 5,330.47 cr
INTEREST EARNED(Q)
Lowest at Rs 5,353.83 cr
PBDIT(Q)
Lowest at Rs 763.91 cr.
OPERATING PROFIT TO NET SALES (Q)
Lowest at 14.27%
NON-OPERATING INCOME(Q)
is 346.31 % of Profit Before Tax (PBT
EPS(Q)
Lowest at Rs 0.69
NET NPA(Q)
Highest at 1.37%
Loading Valuation Snapshot...
Here's what is working for Bandhan Bank
Dividend per Share (DPS) - Annually
Highest at Rs 1.50
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
Here's what is not working for Bandhan Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -388.65 cr has Fallen at -270.4% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -104.92 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 111.87 cr has Fallen at -78.2% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 513.45 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Gross NPA - Quarterly
Highest at 5.02%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are increasing
Gross NPA (%)
Net Interest Income (Quarterly)
Lowest at Rs 2,588.56 cr
in the last five quartersMOJO Watch
The bank's income from core business is falling
Net Interest Income (Rs Cr)
Credit Deposit Ratio - Half Yearly
Lowest at 85.15% and Fallen
in the last four periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Interest Earned - Quarterly
Lowest at Rs 5,353.83 cr
in the last five quartersMOJO Watch
Near term sales trend is negative
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 763.91 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 14.27%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Non Operating Income - Quarterly
is 346.31 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Earnings per Share (EPS) - Quarterly
Lowest at Rs 0.69
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Highest at 1.37%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are increasing
Net NPA (%)
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 5,330.47 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
