ScoreWhy is Bandhan Bank Ltd. ?
1
High Management Efficiency with a high ROA of 1.73%
2
The Bank has a high Capital Adequacy Ratio of 17.32% signifying high buffers against its risk based assets
3
Poor long term growth as Net profit has grown by an annual rate of -11.12%
4
Flat results in Mar 26
- PAT(9M) At Rs 851.60 cr has Grown at -49.36%
- PBDIT(Q) Lowest at Rs 670.47 cr.
- OPERATING PROFIT TO NET SALES (Q) Lowest at 12.35%
5
With ROA of 0.6, it has a Expensive valuation with a 1.3 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 32.66%, its profits have fallen by -55.4%
6
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -0.76% over the previous quarter and currently hold 38.98% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
7
Market Beating Performance
- The stock has generated a return of 32.66% in the last 1 year, much higher than market (BSE500) returns of 4.81%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bandhan Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bandhan Bank for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Bandhan Bank
32.66%
0.88
37.04%
Sensex
-3.33%
-0.25
13.43%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
7.01%
Net Profit Growth (5y)
-11.12%
Advance to Deposit
92.32%
Capital Adequacy Ratio (Tier 1)
17.32%
Gross NPA (latest)
3.27%
Gross NPA (avg)
4.63%
Coverage Ratio (avg)
73.78%
Cost to Income (avg)
44.51%
Net Interest Margin (avg)
7.00%
Operating Profit to Assets (avg)
12.28%
ROA (avg)
1.73%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
27
Price to Book Value
1.33
PEG Ratio
NA
Dividend Yield
0.72%
ROE (Latest)
4.84%
ROA (Latest)
0.58%
Net NPA to Book Value
5.75
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
GROSS NPA(Q)
Lowest at 3.27%
NII(Q)
Highest at Rs 2,795.59 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 90.24%
PBT LESS OI(Q)
Highest at Rs -6.54 cr.
PAT(Q)
Highest at Rs 534.14 cr.
EPS(Q)
Highest at Rs 3.32
NET NPA(Q)
Lowest at 0.97%
-7What is not working for the Company
PAT(9M)
At Rs 851.60 cr has Grown at -49.36%
PBDIT(Q)
Lowest at Rs 670.47 cr.
OPERATING PROFIT TO NET SALES (Q)
Lowest at 12.35%
NON-OPERATING INCOME(Q)
is 100.86 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Bandhan Bank
Profit After Tax (PAT) - Quarterly
At Rs 534.14 cr has Grown at 112.1% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 251.83 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 3.27%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 2,795.59 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs -6.54 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 534.14 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 3.32
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.97%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 90.24%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Bandhan Bank
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 670.47 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 12.35%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Non Operating Income - Quarterly
is 100.86 % 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
Non Operating Income - Quarterly
Highest at Rs 770.69 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
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