ScoreWhy is Bandhan Bank Ltd. ?
1
High Management Efficiency with a high ROA of 1.80%
2
The Bank has a high Capital Adequacy Ratio of 17.40% signifying high buffers against its risk based assets
3
Poor long term growth as Net profit has grown by an annual rate of -7.78%
4
Positive results in Jun 26
- PAT(Q) At Rs 501.67 cr has Grown at 64.0% (vs previous 4Q average)
- GROSS NPA(Q) Lowest at 3.15%
- NII(Q) Highest at Rs 2,920.58 cr
5
With ROA of 0.6, it has a Expensive valuation with a 1.1 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 6.08%, its profits have fallen by -34.1%
6
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -1.44% over the previous quarter and currently hold 37.54% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
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, Medium Return
Absolute
Risk Adjusted
Volatility
Bandhan Bank
6.26%
0.15
41.27%
Sensex
-2.43%
-0.18
13.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
5.93%
Net Profit Growth (5y)
-7.78%
Advance to Deposit
93.61%
Capital Adequacy Ratio (Tier 1)
17.40%
Gross NPA (latest)
3.15%
Gross NPA (avg)
5.27%
Coverage Ratio (avg)
72.51%
Cost to Income (avg)
46.13%
Net Interest Margin (avg)
7.07%
Operating Profit to Assets (avg)
8.42%
ROA (avg)
1.80%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
21
Price to Book Value
1.11
PEG Ratio
NA
Dividend Yield
0.87%
ROE (Latest)
5.36%
ROA (Latest)
0.64%
Net NPA to Book Value
5.59
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
PAT(Q)
At Rs 501.67 cr has Grown at 64.0% (vs previous 4Q average
GROSS NPA(Q)
Lowest at 3.15%
NII(Q)
Highest at Rs 2,920.58 cr
INTEREST EARNED(Q)
Highest at Rs 5,630.55 cr
PBT LESS OI(Q)
Highest at Rs 71.69 cr.
NET NPA(Q)
Lowest at 0.93%
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 89.39 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Bandhan Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 71.69 cr has Grown at 128.7% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -250.05 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 501.67 cr has Grown at 64.0% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 305.89 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 3.15%
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 2,920.58 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 5,630.55 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 71.69 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Net NPA - Quarterly
Lowest at 0.93%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for Bandhan Bank
Non Operating Income - Quarterly
is 89.39 % 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
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