Share Price and Basic Stock Data
Last Updated: December 5, 2025, 3:29 am
| PEG Ratio | 0.39 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bank of Baroda, a prominent public sector bank in India, reported a market capitalization of ₹1,48,443 Cr, with a share price of ₹287. The bank’s revenue has demonstrated a consistent upward trajectory, standing at ₹94,503 Cr for the fiscal year ending March 2023, a significant increase from ₹73,385 Cr in March 2022. This upward trend continued, with revenues projected to rise to ₹118,379 Cr for March 2024 and ₹127,945 Cr for March 2025. Quarterly revenue figures also reflect this growth, with ₹28,003 Cr in June 2023 and rising to ₹31,072 Cr by March 2024. The bank’s interest income, a critical component of its revenue, rose from ₹49,942 Cr in March 2023 to ₹69,899 Cr in March 2024. This reflects the bank’s ability to capitalize on lending opportunities in a recovering economy, positioning it well within the financial sector.
Profitability and Efficiency Metrics
Bank of Baroda’s profitability metrics reveal a robust financial performance, with a net profit of ₹19,618 Cr reported for the fiscal year ending March 2025, up from ₹15,005 Cr in March 2023. The bank’s earnings per share (EPS) stood at ₹40.06 for March 2025, a substantial increase from ₹28.82 in March 2023. The return on equity (ROE) for March 2025 was reported at 14.14%, indicating effective utilization of shareholder equity to generate profits. The net profit margin also improved to 15.99% in March 2025, reflecting operational efficiency. However, the return on capital employed (ROCE) was reported at 6.29%, suggesting room for improvement in capital efficiency. The bank’s cost-to-income ratio stood at 49.21%, which is competitive but indicates that operational expenses could be optimized further to enhance profitability.
Balance Sheet Strength and Financial Ratios
The balance sheet of Bank of Baroda exhibits substantial strength, with total assets reported at ₹1,861,766 Cr for March 2025, up from ₹1,654,775 Cr in March 2024. The bank’s reserves have also increased, standing at ₹157,860 Cr as of September 2025, which provides a buffer against potential losses. The bank’s equity capital remained stable at ₹1,036 Cr over the reported periods, while borrowings rose to ₹135,813 Cr in March 2025, reflecting its strategy to leverage debt for growth. The price-to-book value ratio was reported at 0.80, indicating that the stock may be undervalued compared to its book value. Additionally, the bank’s net interest margin stood at 2.66, which is generally favorable in the banking sector, pointing to effective interest income management. However, the financing profit has shown fluctuations, with a reported profit of ₹4,147 Cr for March 2025, suggesting variability in profitability from core banking operations.
Shareholding Pattern and Investor Confidence
Bank of Baroda’s shareholding pattern reflects a stable investor base, with promoters holding 63.97% of the shares as of March 2025. Foreign institutional investors (FIIs) accounted for 8.98%, while domestic institutional investors (DIIs) held 17.97%, indicating a balanced mix of ownership. The public shareholding stood at 8.83%, which is consistent across the reporting periods. The number of shareholders increased to 16,89,797 in March 2025 from 12,78,020 in March 2023, showcasing growing investor interest and confidence in the bank’s performance. This stability in ownership suggests a strong backing from institutional players, which is often viewed positively by the market. However, volatility in FIIs’ shareholding, which peaked at 12.39% in September 2023 before declining, may raise concerns about foreign investor sentiment towards the bank.
Outlook, Risks, and Final Insight
Looking ahead, Bank of Baroda’s growth trajectory appears promising, bolstered by increasing revenues and profitability metrics, alongside a solid balance sheet. However, risks such as economic slowdown, fluctuations in interest rates, and potential asset quality deterioration remain pertinent concerns. The bank’s ability to manage these risks while maintaining operational efficiency will be crucial for sustaining growth. Additionally, competition within the banking sector may pressure margins, necessitating strategic initiatives to enhance customer acquisition and retention. Should the bank successfully navigate these challenges, it may further solidify its position as a leading financial institution in India. Conversely, failure to address operational inefficiencies could impede its profitability and market standing, emphasizing the need for continuous monitoring of its financial health and market conditions.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Bank of Baroda
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,15,609 Cr. | 151 | 160/101 | 6.25 | 165 | 3.14 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 37,531 Cr. | 30.0 | 52.0/26.8 | 14.9 | 25.9 | 1.30 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,77,470 Cr. | 951 | 999/680 | 11.2 | 617 | 1.67 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,37,375 Cr. | 120 | 128/85.5 | 8.06 | 124 | 2.43 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 20,088 Cr. | 28.3 | 56.3/25.2 | 17.3 | 19.2 | 0.25 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 146,034.15 Cr | 222.29 | 10.08 | 177.23 | 1.93% | 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 | 20,048 | 22,424 | 24,834 | 27,196 | 28,003 | 29,263 | 30,042 | 31,072 | 31,143 | 31,887 | 32,570 | 32,820 | 32,866 |
| Interest | 10,496 | 11,495 | 13,161 | 14,790 | 16,060 | 17,528 | 18,002 | 18,309 | 18,582 | 19,266 | 20,143 | 20,273 | 20,307 |
| Expenses | 8,210 | 10,408 | 11,012 | 10,642 | 11,040 | 12,216 | 10,556 | 12,269 | 10,879 | 12,755 | 10,654 | 12,712 | 12,928 |
| Financing Profit | 1,343 | 522 | 660 | 1,764 | 902 | -480 | 1,484 | 494 | 1,682 | -134 | 1,772 | -165 | -368 |
| Financing Margin % | 7% | 2% | 3% | 6% | 3% | -2% | 5% | 2% | 5% | -0% | 5% | -0% | -1% |
| Other Income | 1,528 | 3,896 | 5,519 | 5,332 | 5,316 | 6,503 | 5,042 | 6,538 | 4,658 | 7,568 | 5,163 | 7,076 | 5,538 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 2,871 | 4,418 | 6,179 | 7,096 | 6,217 | 6,023 | 6,526 | 7,033 | 6,340 | 7,434 | 6,935 | 6,911 | 5,170 |
| Tax % | 26% | 26% | 33% | 28% | 31% | 28% | 27% | 29% | 28% | 27% | 26% | 23% | 35% |
| Net Profit | 1,942 | 3,392 | 4,356 | 5,315 | 4,468 | 4,426 | 4,815 | 5,160 | 4,764 | 5,405 | 5,250 | 5,447 | 3,517 |
| EPS in Rs | 3.76 | 6.58 | 8.33 | 10.16 | 8.61 | 8.50 | 9.26 | 9.92 | 9.14 | 10.36 | 10.08 | 10.48 | 6.71 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 1, 2025, 11:35 pm
Below is a detailed analysis of the quarterly data for Bank of Baroda 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 20,307.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 20,273.00 Cr. (Mar 2025) to 20,307.00 Cr., marking an increase of 34.00 Cr..
- For Expenses, as of Jun 2025, the value is 12,928.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 12,712.00 Cr. (Mar 2025) to 12,928.00 Cr., marking an increase of 216.00 Cr..
- For Other Income, as of Jun 2025, the value is 5,538.00 Cr.. The value appears to be declining and may need further review. It has decreased from 7,076.00 Cr. (Mar 2025) to 5,538.00 Cr., marking a decrease of 1,538.00 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 5,170.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6,911.00 Cr. (Mar 2025) to 5,170.00 Cr., marking a decrease of 1,741.00 Cr..
- For Tax %, as of Jun 2025, the value is 35.00%. The value appears to be increasing, which may not be favorable. It has increased from 23.00% (Mar 2025) to 35.00%, marking an increase of 12.00%.
- For Net Profit, as of Jun 2025, the value is 3,517.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5,447.00 Cr. (Mar 2025) to 3,517.00 Cr., marking a decrease of 1,930.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 6.71. The value appears to be declining and may need further review. It has decreased from 10.48 (Mar 2025) to 6.71, marking a decrease of 3.77.
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 | 40,463 | 44,915 | 45,799 | 44,473 | 46,056 | 52,906 | 78,895 | 74,314 | 73,385 | 94,503 | 118,379 | 127,945 | 130,143 |
| Interest | 27,604 | 30,547 | 32,107 | 29,596 | 29,160 | 32,506 | 50,040 | 43,201 | 38,815 | 49,942 | 69,899 | 78,265 | 79,989 |
| Expenses | 12,049 | 13,466 | 25,391 | 19,250 | 26,093 | 25,815 | 40,583 | 38,070 | 37,518 | 38,231 | 44,387 | 45,533 | 49,049 |
| Financing Profit | 809 | 902 | -11,700 | -4,372 | -9,197 | -5,414 | -11,728 | -6,957 | -2,948 | 6,329 | 4,093 | 4,147 | 1,105 |
| Financing Margin % | 2% | 2% | -26% | -10% | -20% | -10% | -15% | -9% | -4% | 7% | 3% | 3% | 1% |
| Other Income | 5,555 | 5,449 | 5,992 | 7,937 | 7,992 | 7,887 | 12,191 | 14,687 | 14,395 | 16,275 | 23,399 | 24,939 | 25,344 |
| Depreciation | 368 | 368 | 525 | 540 | 901 | 948 | 1,697 | 1,357 | 1,438 | 2,040 | 1,694 | 1,467 | 0 |
| Profit before tax | 5,996 | 5,983 | -6,233 | 3,024 | -2,106 | 1,525 | -1,234 | 6,373 | 10,008 | 20,565 | 25,799 | 27,619 | 26,449 |
| Tax % | 18% | 36% | -19% | 41% | -9% | 29% | -176% | 77% | 23% | 29% | 29% | 26% | |
| Net Profit | 5,036 | 3,950 | -5,033 | 1,855 | -1,836 | 1,166 | 981 | 1,620 | 7,933 | 15,005 | 18,869 | 20,865 | 19,618 |
| EPS in Rs | 23.29 | 17.69 | -21.99 | 7.88 | -7.13 | 4.16 | 2.01 | 2.99 | 15.18 | 28.82 | 36.29 | 40.06 | 37.63 |
| Dividend Payout % | 19% | 18% | 0% | 15% | 0% | 0% | 0% | 0% | 19% | 19% | 21% | 21% |
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 (%) | -21.56% | -227.42% | 136.86% | -198.98% | 163.51% | -15.87% | 65.14% | 389.69% | 89.15% | 25.75% | 10.58% |
| Change in YoY Net Profit Growth (%) | 0.00% | -205.85% | 364.27% | -335.83% | 362.48% | -179.37% | 81.00% | 324.55% | -300.54% | -63.40% | -15.17% |
Bank of Baroda 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: | 11% |
| 5 Years: | 10% |
| 3 Years: | 20% |
| TTM: | 7% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 18% |
| 5 Years: | 86% |
| 3 Years: | 38% |
| TTM: | 2% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 3% |
| 5 Years: | 39% |
| 3 Years: | 20% |
| 1 Year: | -4% |
| Return on Equity | |
|---|---|
| 10 Years: | 8% |
| 5 Years: | 12% |
| 3 Years: | 16% |
| Last Year: | 16% |
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 | 431 | 444 | 462 | 462 | 530 | 530 | 925 | 1,036 | 1,036 | 1,036 | 1,036 | 1,036 | 1,036 |
| Reserves | 37,416 | 41,574 | 42,041 | 42,605 | 46,036 | 54,466 | 75,179 | 81,354 | 90,833 | 104,019 | 118,677 | 145,467 | 157,860 |
| Deposits | 579,997 | 629,981 | 586,690 | 617,257 | 607,451 | 665,589 | 973,228 | 995,910 | 1,075,804 | 1,234,682 | 1,359,980 | 1,496,688 | 1,525,204 |
| Borrowing | 36,976 | 35,502 | 33,845 | 31,242 | 64,860 | 68,868 | 95,753 | 71,263 | 109,526 | 107,910 | 101,959 | 135,813 | 148,247 |
| Other Liabilities | 21,284 | 26,465 | 28,134 | 27,649 | 28,919 | 30,217 | 54,850 | 53,104 | 62,922 | 78,224 | 73,123 | 82,762 | 81,212 |
| Total Liabilities | 676,104 | 733,966 | 691,173 | 719,216 | 747,796 | 819,670 | 1,199,935 | 1,202,667 | 1,340,121 | 1,525,871 | 1,654,775 | 1,861,766 | 1,913,557 |
| Fixed Assets | 2,849 | 2,978 | 6,359 | 5,930 | 5,532 | 7,368 | 9,268 | 8,441 | 11,098 | 9,865 | 9,054 | 13,544 | 12,322 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 3 | 6 | 1 | 0 |
| Investments | 122,113 | 124,739 | 128,894 | 140,716 | 175,137 | 195,716 | 289,727 | 281,859 | 347,587 | 397,487 | 407,136 | 427,380 | 433,733 |
| Other Assets | 551,142 | 606,248 | 555,920 | 572,570 | 567,126 | 616,586 | 900,941 | 912,367 | 981,435 | 1,118,516 | 1,238,580 | 1,420,842 | 1,467,502 |
| Total Assets | 676,104 | 733,966 | 691,173 | 719,216 | 747,796 | 819,670 | 1,199,935 | 1,202,667 | 1,340,121 | 1,525,871 | 1,654,775 | 1,861,766 | 1,913,557 |
Below is a detailed analysis of the balance sheet data for Bank of Baroda 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 1,036.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 1,036.00 Cr..
- For Reserves, as of Sep 2025, the value is 157,860.00 Cr.. The value appears strong and on an upward trend. It has increased from 145,467.00 Cr. (Mar 2025) to 157,860.00 Cr., marking an increase of 12,393.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 81,212.00 Cr.. The value appears to be improving (decreasing). It has decreased from 82,762.00 Cr. (Mar 2025) to 81,212.00 Cr., marking a decrease of 1,550.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 1,913,557.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,861,766.00 Cr. (Mar 2025) to 1,913,557.00 Cr., marking an increase of 51,791.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 12,322.00 Cr.. The value appears to be declining and may need further review. It has decreased from 13,544.00 Cr. (Mar 2025) to 12,322.00 Cr., marking a decrease of 1,222.00 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 1.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 1.00 Cr..
- For Investments, as of Sep 2025, the value is 433,733.00 Cr.. The value appears strong and on an upward trend. It has increased from 427,380.00 Cr. (Mar 2025) to 433,733.00 Cr., marking an increase of 6,353.00 Cr..
- For Other Assets, as of Sep 2025, the value is 1,467,502.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,420,842.00 Cr. (Mar 2025) to 1,467,502.00 Cr., marking an increase of 46,660.00 Cr..
- For Total Assets, as of Sep 2025, the value is 1,913,557.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,861,766.00 Cr. (Mar 2025) to 1,913,557.00 Cr., marking an increase of 51,791.00 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 | -567.00 | -616.00 | -561.00 | -598.00 | -581.00 | -640.00 | -933.00 | -957.00 | 36.00 | 37.00 | 43.00 | 44.00 |
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 % | 14% | 10% | -12% | 4% | -4% | 2% | 1% | 2% | 9% | 15% | 17% | 16% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| HDFC Small Cap Fund - Regular Plan | 42,828,792 | 4.1 | 1130.89 | 42,828,792 | 2025-04-22 17:25:41 | 0% |
| HDFC Balanced Advantage Fund - Regular Plan | 38,177,155 | 1.26 | 1008.07 | 38,177,155 | 2025-04-22 17:25:41 | 0% |
| HDFC Flexi Cap Fund - Regular Plan | 22,000,000 | 1.14 | 580.91 | 22,000,000 | 2025-04-22 17:25:41 | 0% |
| Nippon India ETF Nifty PSU Bank BeES | 15,993,928 | 15.91 | 422.32 | 15,993,928 | 2025-04-22 17:25:41 | 0% |
| Nippon India Small Cap Fund | 13,000,000 | 0.75 | 343.27 | 13,000,000 | 2025-04-22 17:25:41 | 0% |
| Nippon India Arbitrage Fund | 11,071,125 | 2.1 | 292.33 | 11,071,125 | 2025-04-22 17:25:41 | 0% |
| HDFC Hybrid Equity Fund - Regular Plan | 9,690,000 | 1.13 | 255.86 | 9,690,000 | 2025-04-22 05:57:46 | 0% |
| Invesco India Arbitrage Fund | 8,260,200 | 1.49 | 218.11 | 8,260,200 | 2025-04-22 17:25:41 | 0% |
| Invesco India Contra Fund | 8,236,918 | 1.56 | 217.5 | 8,236,918 | 2025-04-22 17:25:41 | 0% |
| Nippon India ETF Nifty Bank BeES | 7,765,149 | 3.31 | 205.04 | 7,765,149 | 2025-04-22 17:25:41 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 40.06 | 36.29 | 28.82 | 15.18 | 3.32 |
| Diluted EPS (Rs.) | 40.06 | 36.29 | 28.82 | 15.18 | 3.32 |
| Cash EPS (Rs.) | 42.35 | 38.83 | 32.29 | 17.65 | 5.43 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 282.95 | 231.21 | 202.90 | 177.43 | 159.12 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 282.95 | 231.21 | 202.90 | 177.43 | 159.12 |
| Operating Revenue / Share (Rs.) | 247.11 | 228.63 | 181.82 | 141.73 | 143.53 |
| Net Profit / Share (Rs.) | 39.51 | 35.56 | 28.37 | 14.87 | 2.81 |
| Net Profit After MI / Share (Rs.) | 40.01 | 36.25 | 28.79 | 15.16 | 2.99 |
| Net Profit Margin (%) | 15.99 | 15.55 | 15.60 | 10.49 | 1.95 |
| Net Profit After MI And SOA Nargin (%) | 16.19 | 15.85 | 15.83 | 10.69 | 2.08 |
| Operating Profit Margin (%) | 27.41 | 25.61 | 24.14 | 15.72 | 3.17 |
| Return On Assets (%) | 1.11 | 1.13 | 0.97 | 0.58 | 0.12 |
| Return On Equity / Networth (%) | 14.14 | 15.67 | 14.18 | 8.54 | 1.87 |
| Net Interest Margin (X) | 2.66 | 2.92 | 2.89 | 2.57 | 2.58 |
| Cost To Income (%) | 49.21 | 47.76 | 50.37 | 50.72 | 50.47 |
| Interest Income / Total Assets (%) | 6.87 | 7.15 | 6.16 | 5.47 | 6.17 |
| Non-Interest Income / Total Assets (%) | 1.33 | 1.41 | 1.09 | 1.07 | 1.22 |
| Operating Profit / Total Assets (%) | -0.24 | -0.30 | -0.12 | -0.49 | -1.10 |
| Operating Expenses / Total Assets (%) | 1.97 | 2.07 | 2.00 | 1.85 | 1.92 |
| Interest Expenses / Total Assets (%) | 4.20 | 4.22 | 3.27 | 2.89 | 3.59 |
| Enterprise Value (Rs.Cr.) | 1692567.82 | 1533834.62 | 1373294.98 | 1186338.38 | 1065411.84 |
| EV Per Net Sales (X) | 13.23 | 12.96 | 14.59 | 16.17 | 14.34 |
| Price To Book Value (X) | 0.80 | 1.14 | 0.83 | 0.62 | 0.46 |
| Price To Sales (X) | 0.92 | 1.16 | 0.92 | 0.78 | 0.51 |
| Retention Ratios (%) | 79.15 | 79.05 | 80.91 | 81.22 | 100.00 |
| Earnings Yield (X) | 0.17 | 0.13 | 0.17 | 0.13 | 0.04 |
After reviewing the key financial ratios for Bank of Baroda, 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 40.06. This value is within the healthy range. It has increased from 36.29 (Mar 24) to 40.06, marking an increase of 3.77.
- For Diluted EPS (Rs.), as of Mar 25, the value is 40.06. This value is within the healthy range. It has increased from 36.29 (Mar 24) to 40.06, marking an increase of 3.77.
- For Cash EPS (Rs.), as of Mar 25, the value is 42.35. This value is within the healthy range. It has increased from 38.83 (Mar 24) to 42.35, marking an increase of 3.52.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 282.95. It has increased from 231.21 (Mar 24) to 282.95, marking an increase of 51.74.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 282.95. It has increased from 231.21 (Mar 24) to 282.95, marking an increase of 51.74.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 39.51. This value is within the healthy range. It has increased from 35.56 (Mar 24) to 39.51, marking an increase of 3.95.
- For Net Profit Margin (%), as of Mar 25, the value is 15.99. This value exceeds the healthy maximum of 10. It has increased from 15.55 (Mar 24) to 15.99, marking an increase of 0.44.
- For Return On Assets (%), as of Mar 25, the value is 1.11. This value is below the healthy minimum of 5. It has decreased from 1.13 (Mar 24) to 1.11, marking a decrease of 0.02.
- For Retention Ratios (%), as of Mar 25, the value is 79.15. This value exceeds the healthy maximum of 70. It has increased from 79.05 (Mar 24) to 79.15, marking an increase of 0.10.
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 Baroda:
- Net Profit Margin: 15.99%
- 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: 7.75 (Industry average Stock P/E: 10.08)
- 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: 15.99%
Fundamental Analysis of Bank of Baroda
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Public Sector | Baroda House, Vadodra Gujarat 390001 | investorservices@bankofbaroda.com http://www.bankofbaroda.in |
| Management | |
|---|---|
| Name | Position Held |
| Dr. Hasmukh Adhia | Non Executive Chairman |
| Mr. Sanjiv Chadha | Managing Director & CEO |
| Mr. Lalit Tyagi | Executive Director |
| Mr. Ajay K Khurana | Executive Director |
| Mr. Debadatta Chand | Executive Director |
| Mr. Joydeep Dutta Roy | Executive Director |
| Mr. Alok Vajpeyi | Shareholder Director |
| Mr. Srinivasan Sridhar | Shareholder Director |
| Mrs. Soundara Kumar | Shareholder Director |
| Mr. Ajay Singhal | Non Executive Director |
| Mr. Mukesh Kumar Bansal | Government Nominee Director |
| Mrs. Parvathy V Sundaram | Nominee Director |
Bank of Baroda Share Price Update | |
|---|---|
| Share Price | Value |
| Today | ₹265.45 |
| Previous Day | ₹262.55 |
FAQ
What is the intrinsic value of Bank of Baroda?
Bank of Baroda's intrinsic value (as of 04 December 2025) is 303.58 which is 5.41% higher the current market price of 288.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,49,039 Cr. market cap, FY2025-2026 high/low of 304/191, reserves of ₹157,860 Cr, and liabilities of 1,913,557 Cr.
What is the Market Cap of Bank of Baroda?
The Market Cap of Bank of Baroda is 1,49,039 Cr..
What is the current Stock Price of Bank of Baroda as on 04 December 2025?
The current stock price of Bank of Baroda as on 04 December 2025 is 288.
What is the High / Low of Bank of Baroda stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Bank of Baroda stocks is 304/191.
What is the Stock P/E of Bank of Baroda?
The Stock P/E of Bank of Baroda is 7.75.
What is the Book Value of Bank of Baroda?
The Book Value of Bank of Baroda is 307.
What is the Dividend Yield of Bank of Baroda?
The Dividend Yield of Bank of Baroda is 2.90 %.
What is the ROCE of Bank of Baroda?
The ROCE of Bank of Baroda is 6.29 %.
What is the ROE of Bank of Baroda?
The ROE of Bank of Baroda is 15.5 %.
What is the Face Value of Bank of Baroda?
The Face Value of Bank of Baroda is 2.00.