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Bandhan Bank

NSI:BANDHANBNK · INE545U01014
BanksMedium

360

8
Profit price3
Cash yield49
Price/Sales64
EV / Gross Profit85
Price/Book61
Returns on capital21
Profit margins—
Cash Conversion8
Owner Earnings Margin10
Sales growth84
Profit Growth26
Long-Term EPS Growth100
Reinvestment43
Price momentum63
Debt load50
Debt serviceability5
Liquidity60
Analyst ratings27
Opinion Changes50
Price Target Upside12
Market mood1
Value Creation0/20not creating value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Bandhan Bank doesn't consistently earn more than its cost of capital, so it isn't yet creating shareholder value.

Based on 1/5 components.

Profile

CountryIndia
IndustryBanks
SizeMedium
TypePublic Company
ExchangeNSEI
Founded2014
Employees15,671
Websitebandhanbank.com
ISININE545U01014
Last UpdateApr 2, 2026
Index & Theme
Consumer LendingOnline PaymentsMicro LendingBankingFinanceLending

Description

Bandhan Bank Limited engages in the provision of banking and financial services for personal and business. Business Segments The company operates through distinct business segments that cater to varied customer needs. The major segments include Ret…

Analysis

Story stock

Bandhan Bank Limited is a story stock: the narrative is ambitious and the price reflects it, but the underlying numbers are weak.

The price is expensive. You pay 28.7× its owner earnings: the cash an owner could take out each year, which is in the historically expensive zone. At today's price, the market is assuming roughly 11% yearly growth; analysts expect 29%. The price, in other words, assumes less than the experts do.

The trajectory is solid and the balance sheet is stretched. The company scores 0/20 on our value-creation score: not creating value. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
40
2023202420252026

All-time high

65

Jan 2024

All-time low

1

Jan 2023

Average rank

31

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
64
84
54
29
Price/Earnings
53
85
54
53
Price/Book
61
66
34
17
Dividend Yield
49
28
24
26
Value (overall)
76
69
39
31

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →