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Bandhan Bank Ltd

NSE: BANDHANBNK BSE: 541153

181.98

(-2.21%)

Mon, 02 Mar 2026, 01:49 pm

Bandhan Bank Analysis

dividend

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Pros

  • Dividends after 3 years are expected to be well covered by earnings (5.9x coverage).
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Cons

  • Unable to calculate sustainability of dividends as Bandhan Bank has not reported any payouts.
  • Unable to evaluate Bandhan Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Bandhan Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

future

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Pros

  • Bandhan Bank's earnings growth is expected to exceed the low risk savings rate of 7.2%.
  • Bandhan Bank's earnings are expected to increase by more than the low risk growth rate in 3 years time.
  • Bandhan Bank is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).
  • Performance (ROE) is expected to be above the current IN Banks industry average.
  • An improvement in Bandhan Bank's performance (ROE) is expected over the next 3 years.
  • Bandhan Bank's revenue is expected to increase by more than 50% in 2 years time.
  • Bandhan Bank's revenue is expected to grow significantly at over 20% yearly.
  • Bandhan Bank's revenue growth is expected to exceed the India market average.
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Cons

  • Bandhan Bank's earnings are expected to grow by 12.7% yearly, however this is not considered high growth (20% yearly).
  • Bandhan Bank's earnings growth is positive but not above the India market average.
  • Bandhan Bank's earnings are expected to decrease over the next year.
  • Bandhan Bank's net income is expected to increase but not above the 50% threshold in 2 years time.

health

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Pros

  • Bandhan Bank's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Bandhan Bank's liabilities are made up of primarily low risk sources of funding.
  • Bandhan Bank has an acceptable proportion of non-loan assets held.
  • Loans at Bandhan Bank are broadly funded by customer deposits.
  • Bandhan Bank has an acceptable level of bad loans (less than 2%).
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Cons

    management

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    Pros

    • The tenure for the Bandhan Bank board of directors is about average.
    • Chandra's remuneration is lower than average for companies of similar size in India.
    • Chandra's compensation has been consistent with company performance over the past year, both up more than 20%.
    • The tenure for the Bandhan Bank management team is about average.
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    Cons

    • Bandhan Bank individual insiders have only sold shares in the past 3 months.

    misc

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    Pros

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      Cons

      • Bandhan Bank has significant price volatility in the past 3 months.

      past

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      Pros

      • Bandhan Bank's 1-year earnings growth exceeds its 5-year average (54.8% vs 36.7%)
      • Bandhan Bank has delivered over 20% year on year earnings growth in the past 5 years.
      • Bandhan Bank used its assets more efficiently than the IN Banks industry average last year based on Return on Assets.
      • Bandhan Bank's earnings growth has exceeded the IN Banks industry average in the past year (54.8% vs 21%).
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      Cons

      • Bandhan Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).

      value

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      Pros

      • BSE:541153 is up 9.9% outperforming the Banks industry which returned 7.6% over the past month.
      • BSE:541153 is up 9.9% outperforming the market in India which returned 8% over the past month.
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      Cons

      • Bandhan Bank's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
      • Bandhan Bank's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
      • Bandhan Bank is overvalued based on assets compared to the IN Banks industry average.
      • Bandhan Bank is poor value based on expected growth next year.
      • Bandhan Bank is overvalued based on earnings compared to the IN Banks industry average.
      • Bandhan Bank is overvalued based on earnings compared to the India market.
      • 541153 underperformed the Banks industry which returned -37.5% over the past year.
      • 541153 underperformed the Market in India which returned -14.5% over the past year.

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      Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800