Share Price and Basic Stock Data
Last Updated: December 19, 2025, 3:42 pm
| PEG Ratio | 0.39 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bank of Baroda has shown a commendable trajectory in revenue growth, with total revenue reported at ₹94,503 Cr for FY 2023, a significant uptick from ₹73,385 Cr in FY 2022. This upward momentum continued into FY 2024, with revenue rising further to ₹118,379 Cr, reflecting a robust annual growth rate. The quarterly figures also demonstrate consistent growth, with revenue reaching ₹31,072 Cr in Mar 2024 and slightly increasing to ₹31,143 Cr by Jun 2024. This trend is indicative of the bank’s effective operational strategies and resilience in a competitive banking environment. Notably, the interest income surged from ₹49,942 Cr in FY 2023 to ₹69,899 Cr in FY 2024, highlighting a solid expansion in the bank’s lending portfolio. The steady increase in other income, which climbed to ₹23,399 Cr in FY 2024, further emphasizes the diversification of income streams, bolstering overall revenue stability.
Profitability and Efficiency Metrics
Bank of Baroda’s profitability metrics reflect a strong recovery from previous years, with net profit soaring to ₹20,865 Cr in FY 2025, compared to just ₹7,933 Cr in FY 2022. The net profit margin stands at an impressive 15.99% for FY 2025, showcasing the bank’s ability to convert revenue into profit effectively. Return on Equity (ROE) has also improved significantly, reported at 16% for FY 2025, indicating enhanced profitability relative to shareholders’ equity. However, the Return on Capital Employed (ROCE) is slightly lower at 16.14%, suggesting that while the bank is generating solid returns, there is room for optimizing capital use. The cost-to-income ratio, reported at 49.21%, appears reasonable, although it indicates that operational efficiency could still be a focal point for future improvement in the face of rising expenses.
Balance Sheet Strength and Financial Ratios
The balance sheet of Bank of Baroda appears robust, with total assets reported at ₹1,861,766 Cr for FY 2025, reflecting a steady growth trajectory. The bank’s reserves have also seen a healthy increase, standing at ₹145,467 Cr, up from ₹104,019 Cr in FY 2023. This accumulation of reserves not only strengthens the bank’s capital base but also provides a cushion against potential loan defaults. The bank’s equity capital has remained stable at ₹1,036 Cr, contributing to a solid book value of ₹282.95 per share. However, the bank’s Price-to-Book (P/B) ratio of 0.80 suggests that the stock may be undervalued relative to its book value, which could attract investor interest. The net interest margin, reported at 2.66, is slightly below the ideal range for the banking sector, indicating that there could be opportunities to enhance profitability from interest-earning assets.
Shareholding Pattern and Investor Confidence
Bank of Baroda’s shareholding pattern reflects a stable foundation of investor confidence, with promoters holding a significant 63.97% stake. This substantial ownership by promoters may instill confidence among retail investors, as it indicates a strong commitment to the bank’s long-term strategy. Foreign Institutional Investors (FIIs) have shown interest, holding 8.71%, although this has seen a gradual decline from 12.39% in Sep 2023, which may warrant attention. Domestic Institutional Investors (DIIs) hold a healthy 18.93%, suggesting that local institutional confidence in the bank remains strong. The total number of shareholders has also decreased to 15,65,743, which could imply a consolidation trend that might be interpreted as a positive sign of stability. However, the declining FII stake may raise questions about international confidence in the bank’s future performance.
Outlook, Risks, and Final Insight
The outlook for Bank of Baroda seems cautiously optimistic, driven by strong revenue growth and improved profitability metrics. However, risks remain, particularly in the form of fluctuating interest rates and potential economic downturns that could impact asset quality. The bank’s ability to maintain its net interest margin in a competitive environment will be crucial. Additionally, while the overall capital position looks strong, the slight decline in foreign institutional interest could indicate a need for the bank to enhance its international appeal. Investors should consider these dynamics carefully. The balance between growth and risk management will be pivotal as the bank navigates through the evolving financial landscape. Overall, Bank of Baroda presents a compelling case for investors, but vigilance regarding market conditions and operational efficiency will be essential for sustained performance.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,17,558 Cr. | 154 | 160/101 | 6.36 | 165 | 3.08 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,001 Cr. | 28.7 | 46.3/26.8 | 14.3 | 25.9 | 1.36 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,04,600 Cr. | 980 | 999/680 | 11.5 | 617 | 1.62 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,37,570 Cr. | 120 | 128/85.5 | 8.08 | 124 | 2.42 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 18,662 Cr. | 26.3 | 52.0/25.2 | 16.1 | 19.2 | 0.27 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 147,603.38 Cr | 223.11 | 9.84 | 177.23 | 1.92% | 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: December 15, 2025, 5:35 am
| 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 | 131,574 |
| 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 | 80,914 |
| 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 | 47,842 |
| Financing Profit | 809 | 902 | -11,700 | -4,372 | -9,197 | -5,414 | -11,728 | -6,957 | -2,948 | 6,329 | 4,093 | 4,147 | 2,818 |
| Financing Margin % | 2% | 2% | -26% | -10% | -20% | -10% | -15% | -9% | -4% | 7% | 3% | 3% | 2% |
| 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 | 22,892 |
| 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 | 25,710 |
| 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 | 19,394 |
| 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 | 37.20 |
| 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 Flexi Cap Fund | 52,000,000 | 1.6 | 1506.96 | N/A | N/A | N/A |
| HDFC Small Cap Fund | 46,828,792 | 3.57 | 1357.1 | N/A | N/A | N/A |
| HDFC Balanced Advantage Fund | 30,000,000 | 0.81 | 869.4 | N/A | N/A | N/A |
| SBI Balanced Advantage Fund | 26,646,950 | 1.96 | 772.23 | N/A | N/A | N/A |
| SBI Large & Midcap Fund | 15,343,850 | 1.2 | 444.66 | N/A | N/A | N/A |
| ICICI Prudential Large Cap Fund | 15,307,156 | 0.57 | 443.6 | N/A | N/A | N/A |
| Kotak Multicap Fund | 15,100,000 | 1.96 | 437.6 | N/A | N/A | N/A |
| SBI PSU Fund | 11,000,000 | 5.53 | 318.78 | N/A | N/A | N/A |
| SBI Banking & Financial Services Fund | 9,985,585 | 2.95 | 289.38 | N/A | N/A | N/A |
| Aditya Birla Sun Life PSU Equity Fund | 8,152,807 | 4.2 | 236.27 | N/A | N/A | N/A |
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
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: 9.84)
- 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%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Public Sector | Baroda House, Vadodra Gujarat 390001 | investorservices@bankofbaroda.com http://www.bankofbaroda.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Debadatta Chand | Managing Director & CEO |
| Mr. Lal Singh | Executive Director |
| Mr. Sanjay Vinayak Mudaliar | Executive Director |
| Mr. Lalit Tyagi | Executive Director |
| Mrs. Beena Vaheed | Executive Director |
| Mr. Ravindran Menon | Shareholder Director |
| Mr. Vijay Dube | Shareholder Director |
| Mrs. Nina Nagpal | Shareholder Director |
| Dr. M P Tangirala | Nominee Director |
| Mr. Manoranjan Mishra | Nominee Director |
FAQ
What is the intrinsic value of Bank of Baroda?
Bank of Baroda's intrinsic value (as of 19 December 2025) is 303.44 which is 4.27% higher the current market price of 291.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,50,668 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 1,50,668 Cr..
What is the current Stock Price of Bank of Baroda as on 19 December 2025?
The current stock price of Bank of Baroda as on 19 December 2025 is 291.
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 2.85 %.
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.