AI Summary
✦ ClarthaBandhan Bank is an Indian private-sector bank serving personal and business customers. Retail Banking drives deposits and loans, while Corporate/Wholesale Banking supports business lending and Treasury invests in sovereign securities. Microfinance sector contraction reduced the portfolio 4% to ₹3.26 lakh crore, pressuring loan growth and contributing to 6.2% revenue decline. Profit fell 55.4% year-on-year, while margins remained stable; ROE is unavailable, limiting returns analysis. At 21.0x earnings, valuation appears fair relative to the sector, but subdued growth and microfinance portfolio contraction remain key risks.
Valuation Metrics
Trading 3.3% below historical median. Valuation is stable — currently in the strongly undervalued zone (z-score: -0.36). Confidence: 84%.
Live forward EPS implies next-12-month EPS of ₹20.58. Applying the stock's normalized valuation corridor produces a fair range of ₹403.16 to ₹509.77, with base value near ₹446.17 (+158.5% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹20.58
Forward P/E
8.4x
Base Fair Value
₹446.17
Fair Range
₹403.16 - ₹509.77
Upside To Base
+158.5%
Estimate Source
Live forward EPS
Growth Estimate
+34.6%
5Y Average
1.10
Current
1.09
Overvalued
1.27
Undervalued
0.94
5Y Average
25.80
Current
20.97
Overvalued
24.77
Undervalued
19.59
5Y Average
3.44
Current
2.80
Overvalued
3.96
Undervalued
2.93
Peers & Comparison
Sector: Financials · Theme: Private Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
FEDERAL BANK LTD FEDERALBNKPrivate Banks | +21.4% | 30.7% | 19.2x Fair | -11% vs avg | +81.1% |
CITY UNION BANK LTD CUBPrivate Banks | +23.3% | 37.8% | 15.3x Undervalued | -29% vs avg | +35.2% |
IDBI BANK LIMITED IDBIPrivate Banks | — | 48.6% | 9.6x Undervalued | -55% vs avg | -6.3% |
YES BANK LIMITED YESBANKPrivate Banks | +19.8% | 23.2% | 19.0x Fair | -12% vs avg | +20.9% |
J & K BANK LTD. J&KBANKPrivate Banks | — | 34.2% | 7.4x Undervalued | -66% vs avg | +52.4% |
THE SOUTH INDIAN BANK LTD SOUTHBANKPrivate Banks | +8.6% | 29.4% | 8.0x Undervalued | -63% vs avg | +59.9% |
IDFC FIRST BANK LIMITED IDFCFIRSTBPrivate Banks | -1.1% | 32.8% | 32.9x Premium | +53% vs avg | +21.4% |
INDUSIND BANK LIMITED INDUSINDBKPrivate Banks | +1.0% | 7.6% | 60.5x Premium | +181% vs avg | +30.5% |
BANDHAN BANK LIMITED trades in line with peers (20.6x vs avg 21.5x), reflecting a fair valuation within the Private Banks cohort. Peers include FEDERAL BANK LTD, CITY UNION BANK LTD, IDBI BANK LIMITED — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹5.63K CrJun 2026Latest net profit
₹502 CrJun 2026Free cash flow
₹616 CrMar 2026Net Profit
₹502 CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 4,523 | 4,492 | 4,665 | 5,189 | 5,536 | 5,500 | 5,479 | 5,434 | 5,476 | 5,354 | 5,431 | 5,428 | 5,631 |
| Interest | 2,032 | 2,049 | 2,140 | 2,330 | 2,531 | 2,566 | 2,664 | 2,678 | 2,718 | 2,765 | 2,743 | 2,633 | 2,710 |
| Expenses + | 1,916 | 2,036 | 2,099 | 3,496 | 2,115 | 2,294 | 3,281 | 3,144 | 2,962 | 2,977 | 3,089 | 2,802 | 2,849 |
| Financing Profit | 575 | 407 | 426 | -637 | 890 | 640 | -466 | -388 | -204 | -389 | -401 | -7 | 72 |
| Financing Margin % | 13% | 9% | 9% | -12% | 16% | 12% | -9% | -7% | -4% | -7% | -7% | -0% | 1% |
| Other Income + | 385 | 540 | 545 | 701 | 528 | 609 | 1,112 | 700 | 726 | 546 | 691 | 771 | 604 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 960 | 947 | 971 | 64 | 1,418 | 1,249 | 645 | 311 | 521 | 158 | 290 | 764 | 676 |
| Tax % | 25% | 24% | 25% | 15% | 25% | 25% | 34% | -2% | 29% | 29% | 29% | 30% | 26% |
| Net Profit + | 721 | 721 | 733 | 55 | 1,063 | 937 | 426 | 318 | 372 | 112 | 206 | 534 | 502 |
| EPS in Rs | 4.48 | 4.48 | 4.55 | 0.34 | 6.60 | 5.82 | 2.65 | 1.97 | 2.31 | 0.69 | 1.28 | 3.32 | 3.11 |
| Gross NPA % | 6.76% | 7.32% | 7.02% | 3.84% | 4.23% | 4.68% | 4.68% | 4.71% | 4.96% | 5.02% | 3.33% | 3.27% | 3.15% |
| Net NPA % | 2.18% | 2.32% | 2.21% | 1.11% | 1.15% | 1.29% | 1.28% | 1.28% | 1.36% | 1.37% | 0.99% | 0.97% | 0.93% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Update On Analysts / Institutional Investors Meet Held On August 06, 2026.
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation