BANDHANBNK:NSE-Bandhan Bank Limited (INR)

COMMON STOCK | Banks-Regional | NSE

Last Closing Price

INR 304.90

Change

+2.25 (+0.74)%

Market Cap

INR 492.06B

Volume

4.15M

Avg Analyst Target

INR 367.08 (+20.39%)

Avg User Target

INR
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Bandhan Bank Limited provides commercial banking services in India. It operates through Treasury, Retail Banking, Corporate/Wholesale Banking, and Other Banking Business segments. The company offers savings, current, fixed deposit, and corporate salary accounts. It also provides retail loans, such as home loans, two wheeler loans, and loans against property and term deposits, as well as personal and gold loans; MSME loans, including business, equipment, commercial vehicle, working capital, and term loans; small enterprise loans; microloans for home-based businesses; and agriculture loans. In addition, the company invests in sovereign securities; offers liability products, card services, Internet and mobile banking, ATM, trading, and NRI services; and distributes third party products. As of March 31, 2020, it operated 1,018 branches, 3,346 banking units, 195 home loan centers, and 485 ATMs. The company was founded in 2015 and is headquartered in Kolkata, India. Bandhan Bank Limited is a subsidiary of Bandhan Financial Holdings Limited.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-07-22 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDFCBANK:NSE HDFC Bank Limited

+5.55 (+0.38%)

INR7,975.89B 24.34 N/A
ICICIBANK:NSE ICICI Bank Limited

+14.05 (+2.19%)

INR4,445.57B 23.92 N/A
SBIN:NSE State Bank of India

+1.15 (+0.27%)

INR3,756.37B 16.77 N/A
KOTAKBANK:NSE Kotak Mahindra Bank Limited

+4.55 (+0.27%)

INR3,375.81B 33.72 N/A
AXISBANK:NSE Axis Bank Limited

+1.00 (+0.13%)

INR2,286.02B 30.91 N/A
INDUSINDBK:NSE IndusInd Bank Limited

+10.60 (+1.08%)

INR759.63B 24.56 N/A
IOB:NSE Indian Overseas Bank

+1.15 (+4.93%)

INR441.37B 46.15 N/A
PNB:NSE Punjab National Bank

+0.25 (+0.63%)

INR437.69B 15.06 N/A
BANKBARODA:NSE Bank of Baroda

+1.30 (+1.65%)

INR408.02B 23.77 N/A
IDBI:NSE IDBI Bank Limited

+0.35 (+0.94%)

INR407.52B 26.32 N/A

ETFs Containing BANDHANBNK

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -23.81% 9% F 3% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -23.81% 9% F 3% F
Trailing 12 Months  
Capital Gain -12.87% 6% F 4% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -12.87% 6% F 4% F
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain -7.79% 48% F 22% F
Dividend Return 0.16% 19% F 12% F
Total Return -7.63% 45% F 21% F
Risk Return Profile  
Volatility (Standard Deviation) 28.62% 76% C 84% B
Risk Adjusted Return -26.64% 39% F 16% F
Market Capitalization 492.06B 82% B- 95% A
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 22.32 53% F 53% F
Price/Book Ratio 2.86 12% F 37% F
Price / Cash Flow Ratio -2.25 59% F 84% B
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 13.53% 91% A- 68% D+
Return on Invested Capital -2.25% 29% F 19% F
Return on Assets 2.13% 94% A 44% F
Debt to Equity Ratio 97.43% 27% F 15% F
Technical Ratios  
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta 1.79 6% F 8% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (INR)

Quarterly Financials (INR)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.