Share Price and Basic Stock Data
Last Updated: December 9, 2025, 3:58 am
| PEG Ratio | 0.32 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bank of India (BoI), a prominent player in the public sector banking space, has reported a steady upward trajectory in its revenue over the past several quarters. As of March 2025, the bank’s revenue stood at ₹71,308 Cr, a significant increase from ₹47,932 Cr in March 2023. This growth trend is underscored by quarterly revenue figures, which have consistently risen—from ₹10,043 Cr in June 2022 to ₹18,479 Cr in March 2025. The notable jump in revenue reflects the bank’s effective strategies in expanding its lending portfolio and improving asset quality. With interest income climbing from ₹27,441 Cr in March 2023 to ₹46,594 Cr in March 2025, it is evident that the bank is capitalizing on the current interest rate environment, thus enhancing its profitability potential.
Profitability and Efficiency Metrics
Profitability metrics for Bank of India have shown promising improvements. The net profit for the bank in FY 2025 reached ₹9,552 Cr, up from ₹3,839 Cr in FY 2023, translating to a robust increase in earnings per share (EPS) from ₹9.35 to ₹20.97 over the same period. The return on equity (ROE) has also seen a positive shift, climbing to 12% in FY 2025 from a mere 6% in FY 2023. Such figures indicate that the bank is not only growing its revenue but also managing its equity base more efficiently, enhancing shareholder value. However, the cost-to-income ratio remains a concern, reported at 50.88%, which suggests that while revenue is growing, the bank must also keep a stringent check on its operational efficiencies to sustain profitability.
Balance Sheet Strength and Financial Ratios
Examining the balance sheet, Bank of India appears to be in a sound financial position. As of March 2025, total assets stood at ₹1,056,425 Cr, up from ₹826,036 Cr in March 2023, reflecting a healthy asset base. The reserves have also increased significantly, reaching ₹78,982 Cr in FY 2025. This growth in reserves indicates a strong capital position, which is crucial for absorbing potential losses and funding future growth. The bank’s net interest margin, however, at 2.33x, while decent, suggests there is still room for improvement compared to industry standards. Furthermore, the price-to-book value ratio of 0.67x indicates that the stock may still be undervalued, presenting a potential opportunity for investors looking for value plays in the sector.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Bank of India reveals a stable structure, with promoters holding 73.38% as of March 2025, down from 81.41% in December 2022. This decline in promoter holding could raise questions about insider confidence; however, it has coincided with an increase in institutional investor participation, with Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) holding 4.24% and 15.63% respectively. The increase in institutional ownership may reflect growing confidence in the bank’s turnaround and growth strategies. Furthermore, the total number of shareholders has risen to nearly 7 lakh, indicating a growing interest among retail investors, which is a positive sign for liquidity and market sentiment around the stock.
Outlook, Risks, and Final Insight
Looking ahead, Bank of India stands at a crossroads of opportunity and risk. The bank’s robust revenue growth and improving profitability metrics suggest a favorable outlook, yet challenges remain. Key risks include the potential for rising non-performing assets (NPAs) in a changing economic environment, which could undermine profitability. Additionally, maintaining operational efficiency in light of rising costs will be critical for sustaining margins. Investors should weigh these factors carefully. While the bank’s fundamentals appear strong, vigilance is needed given the cyclical nature of banking and external economic pressures. Overall, Bank of India seems well-positioned for growth, but investors should remain cautious and consider market conditions that may impact performance.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Bank of India
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,13,215 Cr. | 148 | 160/101 | 6.12 | 165 | 3.20 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 35,863 Cr. | 28.6 | 50.4/26.8 | 14.2 | 25.9 | 1.36 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,82,816 Cr. | 956 | 999/680 | 11.2 | 617 | 1.66 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,33,318 Cr. | 116 | 128/85.5 | 7.83 | 124 | 2.50 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,414 Cr. | 27.4 | 56.3/25.2 | 16.8 | 19.2 | 0.26 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 144,496.77 Cr | 218.85 | 9.83 | 177.23 | 1.98% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 10,043 | 11,545 | 12,796 | 13,548 | 14,442 | 15,062 | 15,319 | 16,250 | 17,046 | 17,466 | 18,317 | 18,479 | 18,467 |
| Interest | 5,915 | 6,433 | 7,144 | 7,948 | 8,467 | 9,256 | 9,792 | 10,242 | 10,693 | 11,403 | 12,166 | 12,333 | 12,321 |
| Expenses | 4,409 | 5,313 | 5,291 | 6,590 | 4,579 | 4,546 | 4,190 | 6,041 | 5,269 | 5,456 | 4,485 | 6,050 | 5,399 |
| Financing Profit | -281 | -201 | 360 | -990 | 1,396 | 1,260 | 1,337 | -33 | 1,084 | 607 | 1,666 | 97 | 747 |
| Financing Margin % | -3% | -2% | 3% | -7% | 10% | 8% | 9% | -0% | 6% | 3% | 9% | 1% | 4% |
| Other Income | 1,165 | 1,456 | 1,422 | 3,168 | 1,484 | 1,717 | 1,202 | 1,830 | 1,338 | 2,532 | 1,780 | 3,455 | 1,692 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 884 | 1,255 | 1,782 | 2,178 | 2,880 | 2,977 | 2,539 | 1,797 | 2,422 | 3,138 | 3,447 | 3,551 | 2,439 |
| Tax % | 34% | 40% | 35% | 36% | 48% | 50% | 25% | 17% | 28% | 24% | 26% | 25% | 28% |
| Net Profit | 659 | 853 | 915 | 1,413 | 1,562 | 1,499 | 1,931 | 1,574 | 1,890 | 2,422 | 2,638 | 2,602 | 1,831 |
| EPS in Rs | 1.60 | 2.08 | 2.23 | 3.44 | 3.81 | 3.65 | 4.24 | 3.46 | 4.15 | 5.32 | 5.79 | 5.72 | 4.02 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 1, 2025, 11:35 pm
Below is a detailed analysis of the quarterly data for Bank of India based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 12,321.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 12,333.00 Cr. (Mar 2025) to 12,321.00 Cr., marking a decrease of 12.00 Cr..
- For Expenses, as of Jun 2025, the value is 5,399.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 6,050.00 Cr. (Mar 2025) to 5,399.00 Cr., marking a decrease of 651.00 Cr..
- For Other Income, as of Jun 2025, the value is 1,692.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3,455.00 Cr. (Mar 2025) to 1,692.00 Cr., marking a decrease of 1,763.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 2,439.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3,551.00 Cr. (Mar 2025) to 2,439.00 Cr., marking a decrease of 1,112.00 Cr..
- For Tax %, as of Jun 2025, the value is 28.00%. The value appears to be increasing, which may not be favorable. It has increased from 25.00% (Mar 2025) to 28.00%, marking an increase of 3.00%.
- For Net Profit, as of Jun 2025, the value is 1,831.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,602.00 Cr. (Mar 2025) to 1,831.00 Cr., marking a decrease of 771.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 4.02. The value appears to be declining and may need further review. It has decreased from 5.72 (Mar 2025) to 4.02, marking a decrease of 1.70.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: August 22, 2025, 5:27 pm
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 38,125 | 43,685 | 42,093 | 39,585 | 38,313 | 41,005 | 42,591 | 40,854 | 38,281 | 47,932 | 61,073 | 71,308 | 72,729 |
| Interest | 27,170 | 32,220 | 30,245 | 27,606 | 27,679 | 27,207 | 27,191 | 26,421 | 24,083 | 27,441 | 37,757 | 46,594 | 48,222 |
| Expenses | 11,473 | 13,600 | 19,842 | 21,218 | 24,618 | 26,874 | 26,386 | 17,672 | 16,263 | 21,177 | 18,848 | 20,656 | 21,390 |
| Financing Profit | -518 | -2,135 | -7,994 | -9,239 | -13,984 | -13,076 | -10,987 | -3,239 | -2,065 | -686 | 4,469 | 4,057 | 3,116 |
| Financing Margin % | -1% | -5% | -19% | -23% | -36% | -32% | -26% | -8% | -5% | -1% | 7% | 6% | 4% |
| Other Income | 4,319 | 4,278 | 3,672 | 6,819 | 5,846 | 4,862 | 6,687 | 6,778 | 8,092 | 7,168 | 6,415 | 9,317 | 9,459 |
| Depreciation | 234 | 291 | 290 | -7 | 522 | 373 | 392 | 380 | 372 | 427 | 509 | 604 | 0 |
| Profit before tax | 3,567 | 1,852 | -4,612 | -2,412 | -8,660 | -8,587 | -4,692 | 3,160 | 5,655 | 6,056 | 10,375 | 12,771 | 12,575 |
| Tax % | 23% | 6% | 37% | -34% | -30% | -37% | -35% | 34% | 38% | 37% | 37% | 25% | |
| Net Profit | 2,988 | 2,015 | -6,276 | -1,492 | -5,982 | -5,426 | -3,051 | 2,081 | 3,487 | 3,839 | 6,567 | 9,552 | 9,493 |
| EPS in Rs | 46.50 | 30.27 | -75.98 | -13.94 | -34.20 | -19.67 | -9.31 | 6.36 | 8.51 | 9.35 | 14.42 | 20.97 | 20.85 |
| Dividend Payout % | 11% | 17% | 0% | 0% | 0% | 0% | 0% | 0% | 24% | 21% | 19% | 19% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -32.56% | -411.46% | 76.23% | -300.94% | 9.29% | 43.77% | 168.21% | 67.56% | 10.09% | 71.06% | 45.45% |
| Change in YoY Net Profit Growth (%) | 0.00% | -378.90% | 487.69% | -377.17% | 310.23% | 34.48% | 124.44% | -100.64% | -57.47% | 60.97% | -25.61% |
Bank of India has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 5% |
| 5 Years: | 11% |
| 3 Years: | 23% |
| TTM: | 14% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 17% |
| 5 Years: | 38% |
| 3 Years: | 43% |
| TTM: | 43% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -1% |
| 5 Years: | 18% |
| 3 Years: | 30% |
| 1 Year: | -5% |
| Return on Equity | |
|---|---|
| 10 Years: | 0% |
| 5 Years: | 8% |
| 3 Years: | 10% |
| Last Year: | 12% |
Last Updated: September 5, 2025, 12:30 am
Balance Sheet
Last Updated: December 4, 2025, 1:01 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 643 | 666 | 817 | 1,055 | 1,744 | 2,760 | 3,278 | 3,278 | 4,104 | 4,104 | 4,553 | 4,553 | 4,553 |
| Reserves | 30,131 | 31,857 | 32,528 | 32,574 | 35,013 | 44,892 | 41,795 | 46,703 | 52,418 | 56,329 | 66,028 | 76,172 | 78,982 |
| Deposits | 481,995 | 536,932 | 515,722 | 542,352 | 522,997 | 522,555 | 557,386 | 629,098 | 629,981 | 672,194 | 740,611 | 819,806 | 856,863 |
| Borrowing | 45,128 | 37,649 | 51,103 | 39,491 | 43,598 | 44,265 | 39,752 | 32,464 | 26,821 | 65,015 | 80,960 | 123,869 | 117,966 |
| Other Liabilities | 20,126 | 18,046 | 16,457 | 16,553 | 11,833 | 16,409 | 20,805 | 21,244 | 29,807 | 28,393 | 32,127 | 32,024 | 33,750 |
| Total Liabilities | 578,022 | 625,150 | 616,628 | 632,026 | 615,184 | 630,881 | 663,017 | 732,786 | 743,131 | 826,036 | 924,280 | 1,056,425 | 1,092,115 |
| Fixed Assets | 5,678 | 5,802 | 8,382 | 8,349 | 8,192 | 8,799 | 8,765 | 8,637 | 9,570 | 9,950 | 10,178 | 11,865 | 11,830 |
| CWIP | 143 | 113 | 191 | 197 | 158 | 200 | 293 | 364 | 286 | 110 | 150 | 182 | 0 |
| Investments | 116,490 | 123,196 | 122,621 | 130,751 | 140,321 | 150,905 | 162,323 | 191,693 | 180,274 | 211,324 | 234,592 | 268,002 | 270,445 |
| Other Assets | 455,712 | 496,040 | 485,435 | 492,729 | 466,513 | 470,977 | 491,636 | 532,092 | 553,001 | 604,652 | 679,361 | 776,376 | 809,839 |
| Total Assets | 578,022 | 625,150 | 616,628 | 632,026 | 615,184 | 630,881 | 663,017 | 732,786 | 743,131 | 826,036 | 924,280 | 1,056,425 | 1,092,115 |
Below is a detailed analysis of the balance sheet data for Bank of India based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 4,553.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 4,553.00 Cr..
- For Reserves, as of Sep 2025, the value is 78,982.00 Cr.. The value appears strong and on an upward trend. It has increased from 76,172.00 Cr. (Mar 2025) to 78,982.00 Cr., marking an increase of 2,810.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 33,750.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 32,024.00 Cr. (Mar 2025) to 33,750.00 Cr., marking an increase of 1,726.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 1,092,115.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,056,425.00 Cr. (Mar 2025) to 1,092,115.00 Cr., marking an increase of 35,690.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 11,830.00 Cr.. The value appears to be declining and may need further review. It has decreased from 11,865.00 Cr. (Mar 2025) to 11,830.00 Cr., marking a decrease of 35.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 182.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 182.00 Cr..
- For Investments, as of Sep 2025, the value is 270,445.00 Cr.. The value appears strong and on an upward trend. It has increased from 268,002.00 Cr. (Mar 2025) to 270,445.00 Cr., marking an increase of 2,443.00 Cr..
- For Other Assets, as of Sep 2025, the value is 809,839.00 Cr.. The value appears strong and on an upward trend. It has increased from 776,376.00 Cr. (Mar 2025) to 809,839.00 Cr., marking an increase of 33,463.00 Cr..
- For Total Assets, as of Sep 2025, the value is 1,092,115.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,056,425.00 Cr. (Mar 2025) to 1,092,115.00 Cr., marking an increase of 35,690.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -470.00 | -523.00 | -496.00 | -521.00 | -498.00 | -496.00 | -531.00 | -612.00 | -613.00 | -651.00 | -722.00 | -799.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 11% | 6% | -19% | -4% | -17% | -14% | -7% | 4% | 6% | 6% | 10% | 12% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| DSP Mid Cap Fund | 19,384,361 | 1.38 | 271.15 | N/A | N/A | N/A |
| SBI Banking & Financial Services Fund | 18,190,730 | 2.74 | 254.45 | N/A | N/A | N/A |
| Nippon India Growth Mid Cap Fund | 14,500,000 | 0.49 | 202.83 | N/A | N/A | N/A |
| Aditya Birla Sun Life PSU Equity Fund | 14,197,283 | 3.51 | 198.59 | 6,839,613 | 2025-12-08 08:29:22 | 107.57% |
| SBI Contra Fund | 11,926,429 | 0.34 | 166.83 | N/A | N/A | N/A |
| SBI Large & Midcap Fund | 10,000,000 | 0.39 | 139.88 | N/A | N/A | N/A |
| Tata Arbitrage Fund | 7,378,800 | 0.51 | 103.21 | N/A | N/A | N/A |
| Bandhan Large & Mid Cap Fund | 7,153,429 | 0.85 | 100.06 | N/A | N/A | N/A |
| SBI Infrastructure Fund | 7,000,000 | 2.04 | 97.92 | N/A | N/A | N/A |
| Aditya Birla Sun Life Small Cap Fund | 4,500,000 | 1.23 | 62.95 | 3,910,507 | 2025-12-08 06:36:54 | 15.07% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 20.97 | 15.48 | 9.35 | 9.07 | 6.36 |
| Diluted EPS (Rs.) | 20.97 | 15.48 | 9.35 | 9.07 | 6.35 |
| Cash EPS (Rs.) | 21.84 | 15.14 | 10.50 | 9.20 | 7.87 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 159.01 | 139.91 | 130.30 | 120.70 | 124.10 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 177.29 | 155.01 | 147.24 | 137.71 | 143.33 |
| Operating Revenue / Share (Rs.) | 156.60 | 134.13 | 116.78 | 93.27 | 124.64 |
| Net Profit / Share (Rs.) | 20.51 | 14.02 | 9.46 | 8.30 | 6.71 |
| Net Profit After MI / Share (Rs.) | 20.97 | 14.42 | 9.35 | 8.51 | 6.35 |
| Net Profit Margin (%) | 13.09 | 10.45 | 8.09 | 8.89 | 5.38 |
| Net Profit After MI And SOA Nargin (%) | 13.39 | 10.74 | 8.00 | 9.12 | 5.09 |
| Operating Profit Margin (%) | 27.61 | 21.60 | 14.01 | 15.33 | 10.02 |
| Return On Assets (%) | 0.90 | 0.71 | 0.46 | 0.46 | 0.28 |
| Return On Equity / Networth (%) | 13.18 | 10.30 | 7.17 | 7.04 | 5.12 |
| Net Interest Margin (X) | 2.33 | 2.52 | 2.48 | 1.91 | 1.96 |
| Cost To Income (%) | 50.88 | 51.79 | 51.88 | 54.80 | 50.19 |
| Interest Income / Total Assets (%) | 6.74 | 6.60 | 5.80 | 5.15 | 5.57 |
| Non-Interest Income / Total Assets (%) | 0.86 | 0.67 | 0.87 | 1.07 | 1.02 |
| Operating Profit / Total Assets (%) | 0.02 | 0.01 | -0.40 | -0.61 | -0.72 |
| Operating Expenses / Total Assets (%) | 1.62 | 1.65 | 1.74 | 1.63 | 1.50 |
| Interest Expenses / Total Assets (%) | 4.41 | 4.08 | 3.32 | 3.24 | 3.60 |
| Enterprise Value (Rs.Cr.) | 940316.59 | 845059.44 | 723548.52 | 635089.78 | 622871.03 |
| EV Per Net Sales (X) | 13.19 | 13.84 | 15.10 | 16.59 | 15.25 |
| Price To Book Value (X) | 0.67 | 0.97 | 0.57 | 0.37 | 0.54 |
| Price To Sales (X) | 0.68 | 1.02 | 0.64 | 0.49 | 0.54 |
| Retention Ratios (%) | 86.64 | 87.49 | 78.61 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.19 | 0.10 | 0.12 | 0.18 | 0.09 |
After reviewing the key financial ratios for Bank of India, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 20.97. This value is within the healthy range. It has increased from 15.48 (Mar 24) to 20.97, marking an increase of 5.49.
- For Diluted EPS (Rs.), as of Mar 25, the value is 20.97. This value is within the healthy range. It has increased from 15.48 (Mar 24) to 20.97, marking an increase of 5.49.
- For Cash EPS (Rs.), as of Mar 25, the value is 21.84. This value is within the healthy range. It has increased from 15.14 (Mar 24) to 21.84, marking an increase of 6.70.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 159.01. It has increased from 139.91 (Mar 24) to 159.01, marking an increase of 19.10.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 177.29. It has increased from 155.01 (Mar 24) to 177.29, marking an increase of 22.28.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 20.51. This value is within the healthy range. It has increased from 14.02 (Mar 24) to 20.51, marking an increase of 6.49.
- For Net Profit Margin (%), as of Mar 25, the value is 13.09. This value exceeds the healthy maximum of 10. It has increased from 10.45 (Mar 24) to 13.09, marking an increase of 2.64.
- For Return On Assets (%), as of Mar 25, the value is 0.90. This value is below the healthy minimum of 5. It has increased from 0.71 (Mar 24) to 0.90, marking an increase of 0.19.
- For Retention Ratios (%), as of Mar 25, the value is 86.64. This value exceeds the healthy maximum of 70. It has decreased from 87.49 (Mar 24) to 86.64, marking a decrease of 0.85.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Bank of India:
- Net Profit Margin: 13.09%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.22%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 14.34%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 6.28 (Industry average Stock P/E: 9.83)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 13.09%
Fundamental Analysis of Bank of India
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Public Sector | Star House, C-5, `G' Block, Mumbai Maharashtra 400051 | headoffice.share@bankofindia.co.in http://www.bankofindia.co.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Rajneesh Karnatak | Managing Director & CEO |
| Mr. P R Rajagopal | Executive Director |
| Mr. M Karthikeyan | Executive Director |
| Mr. Swarup Dasgupta | Executive Director |
| Mr. Subrat Kumar | Executive Director |
| Mr. Subrata Das | Nominee Director |
| Mrs. Veni Thapar | Shareholder Director |
| Mr. V V Shenoy | Shareholder Director |
| Dr. Bhushan Kumar Sinha | Government Nominee Director |
| Mr. Munish Kumar Ralhan | Part Time Non Official Director |
Bank of India Share Price Update | |
|---|---|
| Share Price | Value |
| Today | ₹123.25 |
| Previous Day | ₹124.40 |
FAQ
What is the intrinsic value of Bank of India?
Bank of India's intrinsic value (as of 09 December 2025) is 117.34 which is 14.97% lower the current market price of 138.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 62,895 Cr. market cap, FY2025-2026 high/low of 151/90.0, reserves of ₹78,982 Cr, and liabilities of 1,092,115 Cr.
What is the Market Cap of Bank of India?
The Market Cap of Bank of India is 62,895 Cr..
What is the current Stock Price of Bank of India as on 09 December 2025?
The current stock price of Bank of India as on 09 December 2025 is 138.
What is the High / Low of Bank of India stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Bank of India stocks is 151/90.0.
What is the Stock P/E of Bank of India?
The Stock P/E of Bank of India is 6.28.
What is the Book Value of Bank of India?
The Book Value of Bank of India is 183.
What is the Dividend Yield of Bank of India?
The Dividend Yield of Bank of India is 2.93 %.
What is the ROCE of Bank of India?
The ROCE of Bank of India is 6.17 %.
What is the ROE of Bank of India?
The ROE of Bank of India is 12.4 %.
What is the Face Value of Bank of India?
The Face Value of Bank of India is 10.0.