NSE: BANDHANBNK - Bandhan Bank Limited

Yield per half year: -27.48%
Dividend yield: +1.52%
Sector: Financials

Reporting Bandhan Bank Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹			639.79	839.09	530.43	504.68	458.04	374.85		352.05
Выручка, млрд ₹	10.83	28.13	36.93	55.97	78.82	95.84	115.36	117.28	207.61	207.61
Чистая прибыль, млрд ₹	2.75	11.12	13.46	19.52	30.24	22.05	1.26	21.95	22.3	22.3
EV, млрд ₹			588.78	787.08	647.65	613.58	622.06	479.98	294.82	294.82
EBIT, млрд ₹	10.62	32.1	38.26	29.35	39.73	28.46	0.1859	28.93	29.43	29.43
EBITDA, млрд ₹	10.98	32.77	39.12	30.13	40.53	29.49	1.29	30.36	31.8	31.8
Баланс стоимость, млрд ₹	33.35	44.46	93.82	112.02	151.95	174.08	173.81	195.84	216.1	216.1
FCF, млрд ₹	67.89	88.03	-26.66	27.63	63.79	-11.67	6.9	-46.57	60.37	60.37
Операционный денежный поток, млрд ₹	69.5	88.85	-25.94	29.34	64.82	-9.45	9.02	-42.45	-123.29	-123.29
Операционная прибыль, млрд ₹	10.62	32.1	38.26	29.35	39.73	28.46	0.1859	27.5	29.43	29.43
Операционные расходы, млрд ₹	6.16	10.28	13.04	18.24	24.37	28.27	35.42	46.37	124.86	124.86
CAPEX, млрд ₹	1.6	0.8178	0.7227	1.71	1.03	2.23	2.12	4.12	5.57	5.57

	2018Q2	2018Q4	2019Q1	2019Q2	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Капитализация, млрд ₹		558.61			882.68				567.19			471.44				392.41				371.99
Выручка, млрд ₹														28.44	26.69	31.14	31.01	28.76	29.84	30.71	58.83	60.63	35.43
Чистая прибыль, млрд ₹														8.87	2.09	2.91	8.08	7.21	7.21	7.33	0.5463	10.63	9.37
EV, млрд ₹													581.74	601.03	517.83	477.75	466.56		481.98	588.34	294.8	529.75	206.71
EBIT, млрд ₹													50.33	23.56	5.46	7.61	21.22	9.22	19.35	19.43		-0.6371	12.49
EBITDA, млрд ₹														11.78	2.73	3.81	10.61	9.6	9.87	9.71	-0.6415	0.0000	13.21
Баланс стоимость, млрд ₹														182.7	184.83	187.76	195.84	195.84	207.95	215.3	215.65	216.1	237.15
FCF, млрд ₹	-6.67	6.91	6.91	6.91	15.95	15.95	15.95	15.95					0.0524				0.0671
Операционный денежный поток, млрд ₹					16.21	16.21	16.21	16.21		-9.45	39.92		0.0524		15.69		0.0671		83.92
Операционная прибыль, млрд ₹														11.78	2.73	3.81	10.61	9.6	9.47	9.71	51.32	14.18	12.49
Операционные расходы, млрд ₹														10.23	11.17	11.92	13.05	13.13	14	14.15	7.52	4.98	35.43
CAPEX, млрд ₹					0.258	0.258	0.258	0.258		2.23	0.846		2.12		1.15		4.12		2.2

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹		31.73	73.65	55.11	58.03	83.53	61.93	93.21	82.5	224.15	224.15
Short Term Investments ₹		0.0025	0.0027	1.35	-35.05	-57.94	-25.36	37.72	61.06	201.94	201.94
Long term investments ₹		37.58	55.16	83.72	100.37	153.52	251.55	290.79	323.66
Total Receivables ₹		0.7567	0.8925	1.81	2.56	4.66	5.42	10.35	9.67	14.37	14.37
Total Current Assets ₹		32.49	74.54	56.91	22.98	25.59	36.57	55.49	21.43	43.78	43.78
Чистые активы, млрд ₹	1.09	2.37	2.52	2.38	3.31	3.69	4.87	5.88	8.55		8.55
Активы, млрд ₹		197.57	302.36	443.1	564.42	917.18	1 149.93	1 388.67	1 557.7	1 778.42	1 778.42
Short Term Debt ₹		17.49	7.06	1.25	0.8072	36.95	1.23	64.58	140.29	163.1	163.1
Long Term Debt ₹		30.52	10.29	2.85	5.21	163.79	169.6	199.21	247.11		247.11
Задолженность, млрд ₹		164.22	257.9	349.28	452.4	765.22	975.85	1 214.85	1 361.86	1 562.32	1 562.32
Чистый долг, млрд ₹		-1.12	-63.11	-51.8	-51.84	58.41	110.37	106	164.61	2.01	2.01
Долг, млрд ₹		48.01	17.35	4.1	6.02	200.74	170.83	263.79	387.4	163.72	163.72
Interest income ₹			39.09	48.02	66.44	108.85	125.24	138.71	159.05
Расходы на обслуживание долга ₹		6.49	15.05	17.7	21.48	45.62	49.61	51.57	66.45	85.44	85.44
Чист. проц. доходы, млрд ₹		9.33	24.03	30.32	44.96	63.24	75.63	87.14	92.6	188.7	159.05
Амортизация, млрд ₹		0.3577	0.6685	0.8592	0.7817	0.8026	1.03	1.1	1.43	2.38	2.38
Себестоимость, млрд ₹										-2.73	-2.73
Товарно материальные запасы ₹		-32.49	-74.54	-56.91	-63.15	-93.54	-76.36	115	106.52	176.08	176.08

	2017Q4	2018Q1	2018Q2	2018Q3	2019Q1	2020Q1	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд ₹											93.21	89.92	87.29	86.9	82.5		88.47	-69.9	161.71	-71.5	113.41
Short Term Investments ₹	0.7026	1.35			0.0047				-24.24	-11.9	-37.72				-61.06
Long term investments ₹							251.55	221.39	258.22	291.09	290.79	322.04	306.73	310.86	323.66		318.39
Total Receivables ₹							5.42		24.24	10.35	10.35	16	19.16	24.23	9.67		11.79		14.37
Total Current Assets ₹											55.49	89.92	87.29	86.9	21.43		88.47	69.9	161.71	71.5	113.41
Чистые активы, млрд ₹								4.98	5.15	5.52	5.88	5.97	6.39	7.78	8.55	9.21	9.96
Активы, млрд ₹												1 412.35	1 389.62	1 422.68	1 557.7	1 507.86	1 524.38	1 569.2	1 778.42	1 732.9	1 797.68
Short Term Debt ₹	11.71	1.25	2.85	14.22	3.61		111.09				64.58				140.29				163.1
Long Term Debt ₹								119.1	139.05	163.82	199.21	245.44	181.9	184.26	247.11	188.91	162.35
Задолженность, млрд ₹												1 229.65	181.9	184.26	1 361.86	1 304.78	162.35	1 353.9	1 562.32	1 502.9	1 560.53
Чистый долг, млрд ₹											106	155.52	94.61	97.36	164.61		73.89	210.1	2.01	194.7	-113.41
Долг, млрд ₹							280.7				263.79	245.44	181.9	184.26	387.4		162.35	140.2	163.72	123.2
Interest income ₹									31.81	34.09	38.72	40.55	37.73	38.08	42.68	45.23	44.92	46.65
Расходы на обслуживание долга ₹												15.41	15.8	17.27	17.96	20.32	20.49	21.4	23.23	25.31	25.52
Чист. проц. доходы, млрд ₹											25.4	25.14	21.93	20.8	24.72	24.91	24.43	25.25	51.89	55.36
Амортизация, млрд ₹												-11.78	-2.73	-3.81	-10.61	0.3795	-9.47	-9.71	-0.6415	0.6371	0.7187
Себестоимость, млрд ₹																					-25.52
Товарно материальные запасы ₹						0.6946	0.6373				-115				-106.52				176.08

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	9.32	9.31	16.34	19.6	13.6	0.7808	13.62	13.84		13.84
Цена акции ао		550.15	508.25	402.25	252.7	234.2	241.4	159.06	143.9	143.9
Число акций ао, млн	119.28	1195.91	1617.33	1613.75	1611.58	1611.19	1611.09	1611.07		1611.07
FCF/акцию	738.04	-22.29	17.08	39.53	-7.24	4.28	-28.9	37.47		37.47

	2017Q4	2018Q4	2019Q4	2020Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
EPS								5.5	1.3	1.81	5.02	4.48	4.47	4.55	0.3391	6.6	5.82
Цена акции ао					294.77	292.54	297.43	316.31	280.33	243.61	229.54	238.86	231.63	230.92
Число акций ао, млн	119.28	1195.91	1617.33	1613.75		1611.58				1610.83				1610.91
FCF/акцию	-254.74	5.78	9.86								0.0416

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	8.25	25.01	14.34	17.42	19.9	12.67	0.7232	11.87	10.82		10.82	16.88
ROA, %	1.39	3.68	3.04	3.46	3.3	1.92	0.0991	1.49	1.34		1.34	4.26
ROIC, %	5.15	20.31	15.21	17.75	10.3	6.86	0.6555	4.18			4.18	9.45
ROS, %		39.53	36.43	34.87	38.36	23.01	1.09	18.71	10.74	10.74	10.74	54.68
ROCE, %		72.19	40.78	26.2	26.15	16.35	0.0134	1.86	2.29	13.62	13.62	8.84
Ebit margin, %					51.43	30.77	0.1611	24.67	14.18	14.18	14.18
Рентаб EBITDA, %		116.48	105.92	53.83	51.43	30.77	1.11	25.88	15.32	15.32	15.32	61.10
Чистая рентаб, %	25.42	39.53	36.43	34.87	38.36	23.01	1.09	18.71	10.74		10.74	54.68
Operation Margin, %		114.1	103.59	52.44	50.41	29.69	0.1611	23.45	14.18	14.18	14.18	57.46
Доходность FCF, %			-4.17	3.29	12.03	-2.31	1.51	-12.42

	2018Q4	2019Q1	2019Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %					4.85	1.13	1.55	4.13	3.68	3.72	3.66	0.2649	5.03	4.31	16.88
ROA, %					0.6277	0.1506	0.2042	0.5189	0.4782	0.4757	0.4737	0.0326	0.6057	0.531	4.26
ROIC, %		5.64		4.72						2.6					9.45
ROS, %					31.17	7.84	9.33	26.07	25.07	24.17	23.86	0.9285	17.54	26.46	54.68
ROCE, %				28.96	12.9	0.4525	0.6148	10.83	4.54	2	1.54		-0.0527	0.8023	8.84
Ebit margin, %										64.84	63.27		-1.05	35.25
Рентаб EBITDA, %					41.43	10.24	12.23	34.21	33.39	33.1	31.63	-1.09	7.1E-5	37.28	61.10
Чистая рентаб, %					31.17	7.84	9.33	26.07	25.07	24.17	23.86	0.9285	17.54	26.46	54.68
Operation Margin, %					41.43	10.24	12.23	34.21	33.39	31.75	31.63	87.22	23.38	35.25	57.46
Доходность FCF, %	1.24		1.81

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E		47.55	43	17.54	22.88	410.25	14.37	13.13		13.13	36.87
P/BV		6.82	7.49	3.49	2.9	2.97	1.61	1.36		1.36	3.60
P/S		17.32	14.99	6.73	5.27	4.47	2.69	1.41		1.41	11.27
P/FCF		-24	30.37	8.32	-43.24	66.37	-8.05	5.83	5.83	5.83	8.25
E/P		0.021	0.0233	0.057	0.0437	0.0027	0.0585	0.0633	0.0633	0.0633	0.21
EV/EBITDA		15.05	26.12	15.98	20.81	483.63	15.81	9.27		9.27	40.11
EV/EBIT				8.66	22.63	3346.84	16.59	10.02	10.02	10.02
EV/S		15.94	14.06	8.22	6.4	5.39	4.09	1.42	1.42	1.42	13.78
EV/FCF		-22.08	28.49	10.15	-52.57	90.13	-10.31	4.88	4.88	4.88	12.34
Debt/EBITDA	0.5296	0.1048	0.1998	4.95	5.79	205.09	12.76	5.15	5.15	5.15	17.87
Netdebt/Ebitda	-1.93	-1.32	-1.72	1.44	3.74	82.41	5.42	0.0632	0.0632	0.0632	-1.53
Debt/Ratio	0.0574	0.0093	0.0107	0.2189	0.1486	0.19	0.2487	0.0921	0.0921	0.0921	0.30
Debt/Equity	0.3903	0.0437	0.0537	1.32	0.9813	1.52	1.98	0.7576	19.16	19.16	267.45
Debt/Net Income	1.56	0.3047	0.3085	6.64	7.75	209.7	17.65	7.34	7.34	7.34	13.96
Бета							0.3513	3.1	3.39	3.39	1.33
Индекс Альтмана		2.12	2.07	1.01	0.7479	0.5165	0.4762	3	3	3	0.82

	2018Q1	2018Q3	2018Q4	2019Q1	2019Q4	2020Q4	2021Q1	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
P/E										69.9	10.98	135.05	13.76	19.21	16.04	12.68	13.14	13.03	11.48	36.87
P/BV										2.44	2.29	2.09	1.54	1.92	0.2996	1.76	1.35	1.46	1.35	3.60
P/S										3.84	3.57	12.6	2.57	3.32	3.38	3.15	1.98	1.86	1.73	11.27
P/FCF			80.88		55.35															8.25
E/P			0.0059		0.0083	0.0112		0.0182				0.0074				0.0197				0.21
EV/EBITDA									11.01	9.67	4.77	4.54	16.13		14.06	14.64	10.19	27.96	9.28	40.11
EV/EBIT															24.91	30.29		-831.53	16.55
EV/S															16.15	19.16	5.01	8.74	5.83	13.78
Debt/EBITDA							20.36		10.48	9.03	9.81	8.74	36.52		16.44	14.43	-255.19	2846843.52		17.87
Netdebt/Ebitda									4.21	13.2	34.63	25.58	15.52		7.48	21.63	-3.13	4499029.49	-8.59	-1.53
Debt/Ratio	0.0081	0.0624		0.0173			0.2441		0.19				0.2487		0.1065	0.0893	0.0921	0.0711		0.30
Debt/Equity	0.0383	0.2786		0.0873			1.61		1.52				1.98		0.7807	0.6512	0.7592	0.5701		267.45
Debt/Net Income	0.9261	5.83		1.5			272.43		13.87				47.93		22.51	19.13	299.7	11.58		13.96
Индекс Альтмана						0.7707		0.5719				0.4125								0.82

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	1.44	1.44	1.44	1.44	6.08	1.61	1.61	2.42		2.42
Дивиденд			1	3		1		1.5	1.5	1.5
Див доход, ао, %			0.1869	0.5782	0.8503	0.3193	0.357	0.6463	1.52	1.52	1.46
Дивиденды / прибыль, %	52.24	12.93	10.69	7.37	20.12	7.3	128.04	11.01	10.84	10.84	18.24

	2018Q3	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2021Q3	2022Q1	2023Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд		0.3595	0.3595	6.08	1.52	1.52	1.52	1.52	1.61	1.61	2.42
Дивиденд	1		3						1		1.5
Див доход, ао, %	0.1567		0.5295						0.3392		0.6476	1.46
Дивиденды / прибыль, %		5.52	5.13	62.61	20.81	29.41	27.67	16.53	-5.35	8.47	33.51	18.24

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	69702	69702

	CAGR 5

	CAGR 5