Bandhan Bank Intrinsic Value
Bandhan Bank intrinsic value. Bandhan Bank (BANDHANBNK) median intrinsic value is ₹83.99 from 10 valuation models (range ₹48–₹173), vs current price ₹158.44 — -47.0% downside (Trading Above Calculated Value), margin of safety -88.6%. Read Bandhan Bank dividend policy for the complete payout history and dividend yield track record.
BANDHANBNK Valuation Methods Summary — DCF, Graham Number & P/E
Bandhan Bank intrinsic value across 10 models vs current price ₹158.44 — upside/downside and value range per method. Compare with BANDHANBNK fair value to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹100.80 | ₹80.64 - ₹120.96 | -36.4% | EPS: ₹8.40, Sector P/E: 12x |
| Book Value Method | asset | ₹127.00 | ₹114.30 - ₹139.70 | -19.8% | Book Value/Share: ₹158.75, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹151.81 | ₹136.63 - ₹166.99 | -4.2% | Revenue/Share: ₹151.81, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹63.38 | ₹57.04 - ₹69.72 | -60.0% | EBITDA: ₹1888.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹74.59 | ₹59.67 - ₹89.51 | -52.9% | CF Growth: 8.2%, Discount: 15% |
| PEG Ratio Method | growth | ₹53.76 | ₹48.38 - ₹59.14 | -66.1% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹69.69 | ₹62.72 - ₹76.66 | -56.0% | Revenue Growth: 7.4%, Adj P/E: 8.3x |
| ROE Based Valuation | profitability | ₹83.99 | ₹75.59 - ₹92.39 | -47.0% | ROE: 5.3%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹173.22 | ₹155.90 - ₹190.54 | +9.3% | EPS: ₹8.40, BVPS: ₹158.75 |
| Dividend Yield Method | dividend | ₹47.53 | ₹42.78 - ₹52.28 | -70.0% | DPS: ₹1.50, Target Yield: 4.0% |
BANDHANBNK Intrinsic Value vs Market Price — All Valuation Models
Bandhan Bank fair value range ₹48–₹173 vs current market price ₹158.44 across 10 valuation models. For current market price and key ratios, visit Bandhan Bank share price today.
BANDHANBNK Intrinsic Value Analysis — Undervalued or Overvalued?
Bandhan Bank median intrinsic value ₹83.99, current price ₹158.44 — Trading Above Calculated Value by 47.0%, margin of safety -88.6%.
What is the intrinsic value of BANDHANBNK?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of Bandhan Bank (BANDHANBNK) is ₹83.99 (median value). With the current market price of ₹158.44, this represents a -47.0% variance from our estimated fair value.
The valuation range spans from ₹47.53 to ₹173.22, indicating ₹47.53 - ₹173.22.
Is BANDHANBNK undervalued or overvalued?
Based on our multi-method analysis, Bandhan Bank (BANDHANBNK) appears to be trading above calculated value by approximately 47.0%.
BANDHANBNK Financial Health — Key Ratios vs Industry Benchmarks
Bandhan Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 5.3% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 46.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.12x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
BANDHANBNK Cash Flow Quality — Operating & Free Cash Flow
Bandhan Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹1,143 Cr | ₹1,143 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹2,752 Cr | ₹813 Cr | Positive Free Cash Flow | 7/10 |
| March 2024 | ₹14,808 Cr | ₹14,808 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-4,245 Cr | ₹-5,054 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹902 Cr | ₹596 Cr | Positive Free Cash Flow | 8/10 |