ScoreWhy is Bandhan Bank Ltd. ?
1
The company has declared negative results in Dec'2024 after 2 consecutive positive quarters
- PBT LESS OI(Q) At Rs -450.50 cr has Fallen at -234.4 %
- PAT(Q) At Rs 426.49 cr has Fallen at -38.8 %
- PBDIT(Q) Lowest at Rs 925.51 cr.
2
Stock is technically in a Mildly Bearish range
- Multiple factors for the stock are Bearish like MACD, Bollinger Band, KST and DOW
3
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -17.96% returns in the last 1 year, the stock has also underperformed BSE 500 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 Bank - Private)
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
-18.34%
-0.43
41.42%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
14.69%
Net Profit Growth (5y)
-4.70%
Advance to Deposit
100.88%
Capital Adequacy Ratio (Tier 1)
17.82%
Gross NPA (latest)
4.68%
Gross NPA (avg)
6.15%
Coverage Ratio (avg)
73.99%
Cost to Income (avg)
37.70%
Net Interest Margin (avg)
7.24%
Operating Profit to Assets (avg)
8.77%
ROA (avg)
1.35%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Price to Book Value
1.00
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
10.49%
ROA (Latest)
1.47%
Net NPA to Book Value
6.92
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bullish
Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
INTEREST EARNED(9M)
At Rs 16,514.36 cr has Grown at 20.72 %
PAT(9M)
Higher at Rs 2,427.40 Cr
-11What is not working for the Company
PBT LESS OI(Q)
At Rs -450.50 cr has Fallen at -234.4 %
PAT(Q)
At Rs 426.49 cr has Fallen at -38.8 %
PBDIT(Q)
Lowest at Rs 925.51 cr.
OPERATING PROFIT TO NET SALES (Q)
Lowest at 16.89%
NON-OPERATING INCOME(Q)
is 169.81 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Bandhan Bank
Interest Earned - Nine Monthly
At Rs 16,514.36 cr has Grown at 20.72 %
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Here's what is not working for Bandhan Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -450.50 cr has Fallen at -234.4 %
over average PBT of the previous four quarters of Rs 335.17 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 426.49 cr has Fallen at -38.8 %
over average PAT of the previous four quarters of Rs 697.07 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 925.51 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 16.89%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Non Operating Income - Quarterly
is 169.81 % 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
Non Operating Income - Quarterly
Highest at Rs 1,095.85 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
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