Bandhan Bank Ltd

541153

Summary

Fair Value Assessment
Undervalued (14% Discount)
Fair ValueQ172.13UncertaintyHigh
Close Price147.55Mar 25, 2025
Market Closed
148.70
Price Up by 1.15 | 0.78 %
Previous Close
147.55
Day Range
146.90 – 152.40
Year Range
128.15 – 222.30
Bid / Ask
Market Cap
239.6 Bil
Volume / Average
411.5 k / 429.2 k
Beta (5-Year)
1.70
Shares Outstanding
1,610.97 Mil
Primary Exchange
Bombay Stock Exchange

Business Description
Bandhan Bank Ltd provides banking services. It offers a variety of asset and liability products and services designed for micro banking and general banking. The bank's operating segments are Treasury, Retail Banking, Corporate/Wholesale Banking and Other Banking Business. Its treasury operations include investments in sovereign securities and trading operations, Retail banking includes lending to individuals/small businesses along with liability products, card services, internet banking, mobile banking, ATM services, and NRI services. The corporate/Wholesale segment includes corporate relationships not included in Retail Banking and Other segments include para-banking activities. It generates a majority of its revenue from the retail banking segment.
Contact
Adventz Infinity 5, Salt Lake City BN 5, Sector V, 12th to 14th Floor, Kolkata, WB 700 091
T +91 3366090909
www.bandhanbank.com opens in a new tab
Sector
Financial Services
Industry
Banks - Regional
Most Recent Earnings
Dec 31, 2024
Fiscal Year End
Mar 31, 2025
Employees
75,748

Key Metrics

Income Statement (in Mil, except ratios)
12/31/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Revenue
145,577.30 124,859.35 117,219.87 115,359.36 95,844.42 78,818.25
Revenue Growth %
21.07% 6.52% 1.61% 20.36% 21.60% 40.84%
Net Income
24,820.17 22,295.63 21,946.38 1,257.94 22,054.57 30,237.38
Net Profit Margin %
17.05% 17.86% 18.72% 1.09% 23.01% 38.36%
Basic EPS
15.41 13.84 13.62 0.78 13.70 18.78
Diluted EPS
15.41 13.84 13.62 0.78 13.69 18.76
Normalized EPS
15.60 13.98 13.66 0.69 13.68 19.25
Total Dividends per Share
1.50 1.50 1.00 3.00
Balance Sheet (in Bil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Total Assets
1,797.68 1,778.42 1,557.70 1,388.67 1,149.93 917.18
Total Liabilities
1,560.53 1,562.32 1,361.86 1,214.85 975.85 765.22
Total Debt
1,508.16 1,523.88 1,330.88 1,169.12 952.02 735.13
Total Equity
237.15 216.10 195.84 173.81 174.08 151.95
Cash And Cash Equivalents
113.41 161.71 82.50 93.21 61.93 83.53
Shares Outstanding (Mil)
1.61 1.61
Book Value Per Share
133.87 121.50 107.87 108.09 94.37
Total Debt To Equity
6.36 7.05 6.80 6.73 5.47 4.84
Cash Flow Statement (in Mil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Cash From Operating Activities
104,061.22 148,084.21 -42,446.16 9,020.39 -9,445.58 64,821.42
Cash From Investing Activities
2,572.10 16,909.78 -16,179.40 -6,118.27 -18,038.71 -52,106.73
Cash From Financing Activities
-81,689.97 -85,785.29 47,912.52 28,028.04 5,884.47 1,542.02
Free Cash Flow
35,365.57 55,419.84 60,264.28 46,069.43 36,935.97
Change in Cash
24,943.36 79,208.70 -10,713.04 30,930.17 -21,599.81 14,256.71

Profile

Name (Age)
5-Year Trend
2021
2022
2023
2024
2025
Ratan Kumar Kesh (53) Director, Chief Operating Officer, Interim Managing Director and Interim Chief Executive Officer
Rajinder Kumar Babbar (—) Director and Chief Business Officer
Total Compensation for all Key Executives
Transaction History

Shares in Thousands
0 5 10 15 20 25 30 35 40
>
No Data Available
There is no available information for this investment.
Sep
2023
    • Buy
    • Acquisition
    • Option Exercise
    • Disposition
    • Sell
Transaction Detail
No Data Available
There is no available information for this investment.

Ownership

Name
% Total
Shares Held
% Total
Assets
Trend
Prev. 8 Qtrs
Change Amount
Change %
Date
Matthews EM Sm Coms Inv 1.20 6.26 19,297,833
808,110
4.37%
Dec 31, 2024
MFS Emerging Markets Equity A 1.03 0.34 16,666,244
Feb 28, 2025
MFS Emerging Markets Equity 1.02 0.40 16,454,670
-518,875
3.06%
Dec 31, 2024
SBI Life-Midcap Fund Not Rated 0.99 0.71 16,029,067
-401,154
2.44%
Jan 31, 2025
Tata Indian Opportunities 0.93 1.75 15,000,000
Feb 28, 2025
Total (for Top 5) 5.18 83,447,814
-111,919

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