Bandhan Bank Ltd.
NSE: BANDHANBNKBandhan Bank Ltd.: A 30-second snapshot
Bandhan Bank (₹199.04) trades above both its 50-DMA (₹175.74) and 200-DMA (₹163.05), recovering 22.8% over 12 months and sitting 6.4% below its 52-week high. A trailing PE of 25.65 compresses sharply to a forward PE of 8.99, reflecting market expectations of a significant earnings step-up, while current ROE of 4.88% and a consistency score of 15 out of 100 represent the weakest profitability profile among the 6 tracked banking peers.
P/E
25.7
Forward P/E
9.0
ROE
+4.9%
Debt / Equity
—
Profit Margin
+13.0%
Div. Yield
+0.8%
5Y ROE > 15%
0/5
5Y FCF > 0
3/5
Quality
46/100
News
4 headlines · 2 positive · 0 negative
Bandhan Bank Share Surges 10% to 52-Week High After Strong Q4 Results and Profit Jump - Meyka
Meyka
Why Bandhan Bank share price surged 10%: Buy, sell or hold? Here are 2026 target prices - Business Today
Business Today
Bandhan Bank Warns on IEPF Share Transfers, Highlights Investor Relief Windows - TipRanks
TipRanks
Loan losses (actual) to total loans of Bandhan Bank Ltd. – NSE:BANDHANBNK - TradingView
TradingView
Recent context
- ·Q4 results triggered a reported 10% single-session gain and pushed the stock to a 52-week high, with profit growth cited as the catalyst for the move in late April 2026.
- ·A TradingView data item dated 13 May 2026 highlights loan losses to total loans as a tracked metric, underscoring that credit quality remains an active monitoring point for market participants.
- ·The bank issued a notice on IEPF share transfer deadlines in late April, a routine compliance matter that also signals active investor-relations communication around unclaimed holdings.
Strengths
- +Revenue has grown 119.3% and earnings 68% over 5 years, demonstrating a long-run expansion in balance sheet scale despite recent profitability pressures.
- +Free cash flow has been positive in 3 of the tracked years, with debt trending lower — the improving balance sheet trajectory is a structural positive for a bank in recovery mode.
- +Quality score of 54 ranks 1st among the 6 banking peers tracked, ahead of Axis Bank (53), HDFC Bank (47), Bajaj Finance (53), Bajaj Finserv (23), and HDFC Life (20).
- +At a trailing PE of 25.65, the stock sits below Bajaj Finance (29.88) and Bajaj Finserv (28.29), while the forward PE of 8.99 is the lowest in the peer set if the implied earnings recovery materialises.
Weaknesses
- −ROE of 4.88% ranks 6th of 6 banking peers and has not crossed 15% in any year on record (roeYearsAbove15 = 0), indicating a structural gap in capital efficiency versus the sector.
- −Consistency score of 15 out of 100 and profit margin of 12.97% reflect earnings fragility; the large gap between trailing and forward PE concentrates risk on a single earnings-recovery narrative.
- −A trailing PE of 25.65 against ROE of 4.88% implies the market is paying a premium for anticipated — not demonstrated — profit improvement, and any earnings shortfall could compress the valuation materially.
- −News flow is thin (4 articles total) with a recent article on loan loss ratios; for a bank with microfinance exposure, credit quality is a key variable that sparse coverage leaves under-monitored.
Open questions
- ?Does the forward PE of 8.99 reflect a sustainable improvement in credit costs and NIM, or is it extrapolating from a single strong quarter?
- ?How has Bandhan Bank's NPA ratio trended over the past 8 quarters, and has the improvement been broad-based or concentrated in specific loan segments?
- ?Given that ROE has not exceeded 15% in any tracked year, what structural changes — capital allocation, loan mix, funding cost — would need to persist for ROE to converge toward the 13–18% range seen in peers?
- ?The quality score of 54 ranks first in the peer set despite the lowest ROE — which underlying components drive that ranking, and are they durable?
Peer comparison: Banking
Ranks 1 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| BANDHANBNK | Bandhan Bank Ltd.You're viewing | 25.7 | +4.9% | 54 |
| Industry avg | across 5 peers | 31.7 | +14.2% | 39 |
| AXISBANK | Axis Bank Ltd. | 14.7 | +13.2% | 53 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.9 | +17.9% | 53 |
| HDFCBANK | HDFC Bank Ltd. | 17.1 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 28.3 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 68.5 | +11.3% | 20 |
Technical state
Current price
₹199.04
SMA 50
₹175.74
SMA 200
₹163.05
RSI (14)
61.6 (neutral)
From 52w high
-6.4%
1Y return
+22.8%
3M return
+19.4%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- highROE of 4.88% is the lowest among 6 tracked banking peers (Axis Bank 13.15%, HDFC Bank 13.82%, Bajaj Finance 17.91%) and has not exceeded 15% in any tracked year (roeYearsAbove15 = 0), signalling persistent sub-peer profitability.
- highConsistency score of 15 out of 100 alongside a trailing PE of 25.65 versus forward PE of 8.99 — a 65% compression — indicates the market is pricing in a sharp earnings recovery that current ROE and profit margin history do not yet confirm.
- mediumNews coverage is sparse at 4 total articles; one headline explicitly discusses loan loss ratios, a material credit-quality indicator for a microfinance-oriented bank. Thin coverage limits signal quality.
- lowSector peer priceChange1Y data is unavailable for all 5 comparable peers (Axis Bank, Bajaj Finserv, Bajaj Finance, HDFC Bank, HDFC Life), preventing a relative price-performance ranking.
Cross-section contradictions
- Price up 22.8% over 12 months and within 6.4% of 52-week high, yet ROE of 4.88% is lowest among 6 tracked banking peers — the recent re-rating is not matched by a comparable improvement in available profitability metrics.
- Trailing PE of 25.65 versus forward PE of 8.99 implies the market anticipates a near-doubling of earnings power; however, ROE has not exceeded 15% in any recorded year and the persistence consistency score is 15 out of 100.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 15 May 2026 · rotates through NIFTY 500 every ~5 days