Bandhan Bank Intrinsic Value
Bandhan Bank (BANDHANBNK) median intrinsic value is ₹100.80 from 9 valuation models (range ₹54–₹232), vs current price ₹165.84 — -39.2% downside (Trading Above Calculated Value), margin of safety -64.5%. Analyse Bandhan Bank shareholding analysis to track promoter, FII and institutional holdings.
BANDHANBNK Valuation Methods Summary — DCF, Graham Number & P/E
Bandhan Bank intrinsic value across 9 models vs current price ₹165.84 — upside/downside and value range per method. For current market price and key ratios, visit Bandhan Bank share price today.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹100.80 | ₹80.64 - ₹120.96 | -39.2% | EPS: ₹8.40, Sector P/E: 12x |
| Book Value Method | asset | ₹122.18 | ₹109.96 - ₹134.40 | -26.3% | Book Value/Share: ₹152.73, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹151.81 | ₹136.63 - ₹166.99 | -8.5% | Revenue/Share: ₹151.81, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹66.34 | ₹59.71 - ₹72.97 | -60.0% | EBITDA: ₹1888.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹232.04 | ₹185.63 - ₹278.45 | +39.9% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹53.76 | ₹48.38 - ₹59.14 | -67.6% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹69.69 | ₹62.72 - ₹76.66 | -58.0% | Revenue Growth: 7.4%, Adj P/E: 8.3x |
| ROE Based Valuation | profitability | ₹83.99 | ₹75.59 - ₹92.39 | -49.4% | ROE: 5.5%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹169.90 | ₹152.91 - ₹186.89 | +2.4% | EPS: ₹8.40, BVPS: ₹152.73 |
BANDHANBNK Intrinsic Value vs Market Price — All Valuation Models
Bandhan Bank fair value range ₹54–₹232 vs current market price ₹165.84 across 9 valuation models. Read Bandhan Bank dividend policy for the complete payout history and dividend yield track record.
BANDHANBNK Intrinsic Value Analysis — Undervalued or Overvalued?
Bandhan Bank median intrinsic value ₹100.80, current price ₹165.84 — Trading Above Calculated Value by 39.2%, margin of safety -64.5%.
What is the intrinsic value of BANDHANBNK?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Bandhan Bank (BANDHANBNK) is ₹100.80 (median value). With the current market price of ₹165.84, this represents a -39.2% variance from our estimated fair value.
The valuation range spans from ₹53.76 to ₹232.04, indicating ₹53.76 - ₹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 39.2%.
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 |
|---|---|---|---|---|
| Current Ratio | 0.09 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 5.5% | 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 | 0.13x | 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 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 |