Bandhan Bank Intrinsic Value
BANDHANBNK Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹91.20 | ₹72.96 - ₹109.44 | -38.2% | EPS: ₹7.60, Sector P/E: 12x |
| Book Value Method | asset | ₹122.18 | ₹109.96 - ₹134.40 | -17.2% | Book Value/Share: ₹152.73, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹154.10 | ₹138.69 - ₹169.51 | +4.4% | Revenue/Share: ₹154.10, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹232.04 | ₹185.63 - ₹278.45 | +57.2% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹121.60 | ₹109.44 - ₹133.76 | -17.6% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹63.97 | ₹57.57 - ₹70.37 | -56.7% | Revenue Growth: 10.4%, Adj P/E: 8.4x |
| Graham Defensive Method | conservative | ₹161.61 | ₹145.45 - ₹177.77 | +9.5% | EPS: ₹7.60, BVPS: ₹152.73 |
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Valuation Comparison Chart
BANDHANBNK Intrinsic Value Analysis
What is the intrinsic value of BANDHANBNK?
Based on our comprehensive analysis using 7 different valuation methods, the estimated intrinsic value of Bandhan Bank (BANDHANBNK) is ₹122.18 (median value). With the current market price of ₹147.64, this represents a -17.2% variance from our estimated fair value.
The valuation range spans from ₹63.97 to ₹232.04, indicating ₹63.97 - ₹232.04.
Is BANDHANBNK undervalued or overvalued?
Based on our multi-method analysis, Bandhan Bank (BANDHANBNK) appears to be trading above median value by approximately 17.2%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.09 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 7.78 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 5.0% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 43.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.13x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Bandhan Bank
Additional stock information and data for BANDHANBNK
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹-909 Cr | ₹-1,811 Cr | Negative Cash Flow | 3/10 |