Bandhan Bank Intrinsic Value
BANDHANBNK Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹74.40 | ₹59.52 - ₹89.28 | -58.1% | EPS: ₹6.20, Sector P/E: 12x |
| Book Value Method | asset | ₹122.18 | ₹109.96 - ₹134.40 | -31.1% | Book Value/Share: ₹152.73, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹151.20 | ₹136.08 - ₹166.32 | -14.8% | Revenue/Share: ₹151.20, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹70.96 | ₹63.86 - ₹78.06 | -60.0% | EBITDA: ₹1281.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹232.04 | ₹185.63 - ₹278.45 | +30.8% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹99.20 | ₹89.28 - ₹109.12 | -44.1% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹53.22 | ₹47.90 - ₹58.54 | -70.0% | Revenue Growth: 9.9%, Adj P/E: 8.4x |
| Graham Defensive Method | conservative | ₹145.97 | ₹131.37 - ₹160.57 | -17.7% | EPS: ₹6.20, 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 8 different valuation methods, the estimated intrinsic value of Bandhan Bank (BANDHANBNK) is ₹122.18 (median value). With the current market price of ₹177.41, this represents a -31.1% variance from our estimated fair value.
The valuation range spans from ₹53.22 to ₹232.04, indicating ₹53.22 - ₹232.04.
Is BANDHANBNK undervalued or overvalued?
Based on our multi-method analysis, Bandhan Bank (BANDHANBNK) appears to be trading above calculated value by approximately 31.1%.
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 |
| Return on Equity | 4.1% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 44.0% | 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 |