ScoreWhy is Bandhan Bank Ltd. ?
1
With a fall in Interest of -2.16%, the company declared Very Negative results in Sep 25
- The company has declared negative results for the last 4 consecutive quarters
- The company has declared negative results in Dec 24 after 2 consecutive negative quarters
- PBT LESS OI(Q) At Rs -388.65 cr has Fallen at -270.4% (vs previous 4Q average)
- PAT(Q) At Rs 111.87 cr has Fallen at -78.2% (vs previous 4Q average)
- CREDIT DEPOSIT RATIO(HY) Lowest at 85.15%
2
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -0.63% over the previous quarter and currently hold 40.29% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
3
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -17.86% returns in the last 1 year, the stock has also underperformed BSE500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Bandhan Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bandhan Bank
4.77%
-0.55
32.60%
Sensex
8.49%
0.44
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
7.66%
Net Profit Growth (5y)
-17.40%
Advance to Deposit
94.27%
Capital Adequacy Ratio (Tier 1)
16.84%
Gross NPA (latest)
3.33%
Gross NPA (avg)
6.60%
Coverage Ratio (avg)
72.84%
Cost to Income (avg)
43.06%
Net Interest Margin (avg)
6.76%
Operating Profit to Assets (avg)
8.17%
ROA (avg)
1.05%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
25
Price to Book Value
1.02
PEG Ratio
NA
Dividend Yield
0.97%
ROE (Latest)
4.10%
ROA (Latest)
0.52%
Net NPA to Book Value
5.70
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
GROSS NPA(Q)
Lowest at 3.33%
NET NPA(Q)
Lowest at 0.99%
-17What is not working for the Company
PAT(Q)
At Rs 205.59 cr has Fallen at -33.0% (vs previous 4Q average
PBT LESS OI(Q)
At Rs -400.63 cr has Fallen at -10.7% (vs previous 4Q average
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 5,330.47 cr
PBDIT(Q)
Lowest at Rs 754.00 cr.
OPERATING PROFIT TO NET SALES (Q)
Lowest at 13.88%
NON-OPERATING INCOME(Q)
is 237.97 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Bandhan Bank
Gross NPA - Quarterly
Lowest at 3.33%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net NPA - Quarterly
Lowest at 0.99%
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
Profit After Tax (PAT) - Quarterly
At Rs 205.59 cr has Fallen at -33.0% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 307.06 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -400.63 cr has Fallen at -10.7% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -361.99 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 754.00 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 13.88%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Non Operating Income - Quarterly
is 237.97 % 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
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 5,330.47 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
