banking

Bandhan Bank

BANDHANBNK · Nifty 50

₹213.76

Price 2026-06-17

BROAD EXPANSION73% confidence

At a Glance

Sector Positionbanking sector. Flow: neutral. is not among current leaders. Regime: BROAD EXPANSION (73%).

Fundamental Score63/100 (ADEQUATE). 0 positive flags, 4 concerns.

Historical Context53 similar technical setups. Average outcome: -8.9% decline. 0% positive.

Bank HealthROA 0.68% · PB 1.3 · Asset growth 10.3%.

Fundamental

63/100

ADEQUATE

Trust

90/100

Verification

Coverage

44/100

LIMITED

Quick Take

Bandhan Bank scores 63/100 on fundamentals (adequate). Bandhan Bank: BROAD EXPANSION regime.

Fundamental Score: 63/100 · ADEQUATE · 2 signals detected

DuPont Analysis

ROE 5.6% broken into three drivers. Each shows how efficiently the company generates returns.

ROE5.6%=

10.3%Net Margin

0.1xTurnover

8.3xLeverage

ROE of 5.59% is modest leverage-driven and stable. Net margin of 10.3% × asset turnover of 0.07x × leverage of 8.3x. High leverage amplifies returns but increases risk. Low asset turnover is normal for banks.

What This Means

Net margin of 10.3% means the company keeps ₹10.3 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.07x means the company generates ₹0.07 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 8.3x means the company uses significant debt. Higher leverage amplifies returns but also risk.

Margin Structure

Gross

100.0%

Operating

Net

10.3%

improving

Financial Health

Peer Comparison

Bandhan Bank is compared against 10 peers in the banking sector.

AUBANK AXISBANK BANKBARODA BANKINDIA CANBK FEDERALBNK HDFCBANK ICICIBANK IDFCFIRSTB INDIANB

Bank Metrics

Return on Assets

0.68%

Benchmark: >1%

Efficiency Ratio

89.7%

Lower is better

Asset Growth

+10.3%

Year over year

PB Ratio

1.3x

Price to book

ROA of 0.68% is adequate (benchmark: >1% for banks). P/B of 1.29x — trading above book. Reasonable valuation for a bank.

Key Watchpoints

🟢

Breaks above ₹224 (+5%)

Trend reversal confirmation

🔴

Breaks below ₹203 (-5%)

Further downside risk

🟢

Banking sector entering leadership

Sector rotation signal

Detected Patterns

➡️ Leverage Slowly Rising: Debt growing faster (28.4%) than equity (3.9%)

✅ Strong Loan Book Growth: Assets growing 10.3% — loan book expansion

Risk Flags

🔴 1 Critical⚠️ 3 Warning4 total flags

🔴Overall governance risk: 9/10

Governance

Elevated risk score. Review audit, board, and shareholder rights metrics.

⚠️Working capital changes are 228% of operating cash flow

Cash Flow

Working capital is consuming significant cash. Operational efficiency declining.

⚠️Audit risk elevated: 10/10

Governance

Potential accounting concerns. Cross-check with earnings quality flags.

⚠️Board risk elevated: 8/10

Governance

Governance structure concerns. Independent director representation may be weak.

⚠️ 1 critical + 3 warning flags. Exercise caution.

Data Quality

90/100All ratios self-computed from verified sources. 🟢 5 years of financial data — sufficient for trend analysis

News Correlation

margin pressure (4)management outlook (4)

⚠️ Our margin analysis (improving) contradicts news reports of margin pressure — investigate

50 articles scanned for fundamental themes

Facts

P/E Ratio

27.0UNAVAILABLE

P/B Ratio

1.3HIGH

Market Cap

₹3296265.8L CrHIGH

From 52W High

101% of high

Sector Peers

← All Stocks Market GPS Daily Brief banking Sector