Share Price and Basic Stock Data
Last Updated: January 16, 2026, 8:27 pm
| PEG Ratio | 0.42 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bank of Baroda operates within the public sector banking domain, with a current share price of ₹302 and a market capitalization of ₹1,55,942 Cr. The bank reported a significant revenue growth trajectory, with total revenue rising from ₹73,385 Cr in FY 2022 to ₹94,503 Cr in FY 2023, and further increasing to ₹118,379 Cr in FY 2024. For the latest quarter ending September 2023, the bank recorded revenue of ₹29,263 Cr, up from ₹28,003 Cr in the previous quarter. This upward trend is indicative of robust operational performance and effective management strategies, contributing to a steady increase in revenue over the past few quarters. The bank’s ability to enhance its revenue streams is crucial in a competitive banking environment, where the sector’s average revenue growth varies significantly, often around 10-15% annually.
Profitability and Efficiency Metrics
Bank of Baroda’s profitability indicators reflect a solid performance, with a reported net profit of ₹19,394 Cr for the trailing twelve months. The bank’s net profit margin stood at 15.99% for FY 2025, showcasing effective cost management and operational efficiency. The return on equity (ROE) was reported at 15.5%, while the return on capital employed (ROCE) was 6.29%. These figures highlight the bank’s ability to generate returns on shareholder equity and capital employed, which are essential for sustaining investor confidence. However, the financing margin percentage has experienced fluctuations, with a negative margin recorded in September 2023 at -2%, suggesting challenges in managing interest income relative to expenses during that period. Overall, while the bank exhibits strong profitability metrics, the volatility in financing margins warrants attention.
Balance Sheet Strength and Financial Ratios
Bank of Baroda’s balance sheet demonstrates considerable strength, with total assets amounting to ₹1,913,557 Cr as of September 2025. Reserves have increased significantly over the years, rising to ₹157,860 Cr, indicating a strong capital base to support future growth. The bank’s equity capital has remained steady at ₹1,036 Cr, reflecting stability in its capital structure. Additionally, the price-to-book value ratio stands at 0.80, suggesting that the stock is trading below its book value, which can be attractive for value investors. However, the cost-to-income ratio of 49.21% indicates that nearly half of the bank’s income is consumed by operational costs, a figure that is relatively high compared to the sector average, which typically hovers around 45%. This ratio highlights potential areas for operational improvement and efficiency enhancement.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Bank of Baroda reveals a stable ownership structure, with promoters holding 63.97% of the shares, indicating strong management control and commitment to the bank’s long-term strategy. Foreign institutional investors (FIIs) accounted for 8.71%, while domestic institutional investors (DIIs) held 18.93% of the shares, reflecting a healthy mix of institutional interest. The number of shareholders stood at 15,65,743, suggesting a broad base of retail and institutional investors, which is a positive indicator of market confidence in the bank’s prospects. The gradual decline in FII shareholding from 12.39% in September 2023 to 8.71% in September 2025 could raise concerns about foreign investor sentiment. However, the consistent DII support suggests that domestic institutions remain optimistic about the bank’s future performance.
Outlook, Risks, and Final Insight
Looking ahead, Bank of Baroda is well-positioned to capitalize on its revenue growth and profitability, although it faces several risks. The fluctuating financing margin poses a risk to profitability, especially in a rising interest rate environment, which can affect net interest income. Additionally, maintaining operational efficiency in light of the high cost-to-income ratio remains a challenge. However, the bank’s strong capital reserves and a diversified revenue base provide a cushion against potential downturns. If the bank can effectively manage its interest expenses and enhance its operational efficiency, it may continue to deliver robust financial results. Conversely, any deterioration in asset quality or a slowdown in economic conditions could impact its growth trajectory. Overall, while the bank shows promise, it must navigate these risks to sustain its upward momentum.
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 | 1,34,466 Cr. | 176 | 183/104 | 7.10 | 172 | 2.70 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 37,192 Cr. | 29.7 | 45.2/26.8 | 14.2 | 26.5 | 1.31 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,62,107 Cr. | 1,042 | 1,048/680 | 12.2 | 617 | 1.53 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,52,121 Cr. | 132 | 133/85.5 | 8.93 | 124 | 2.19 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 20,570 Cr. | 29.0 | 50.6/25.2 | 17.0 | 19.6 | 0.24 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 158,675.62 Cr | 240.68 | 10.30 | 178.28 | 1.81% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 22,424 | 24,834 | 27,196 | 28,003 | 29,263 | 30,042 | 31,072 | 31,143 | 31,902 | 32,570 | 32,820 | 32,866 | 33,318 |
| Interest | 11,495 | 13,161 | 14,790 | 16,060 | 17,528 | 18,002 | 18,309 | 18,582 | 19,266 | 20,143 | 20,273 | 20,307 | 20,191 |
| Expenses | 10,408 | 11,012 | 10,642 | 11,040 | 12,216 | 10,556 | 12,269 | 10,879 | 12,755 | 10,654 | 12,712 | 12,928 | 11,548 |
| Financing Profit | 522 | 660 | 1,764 | 902 | -480 | 1,484 | 494 | 1,682 | -119 | 1,772 | -165 | -368 | 1,579 |
| Financing Margin % | 2% | 3% | 6% | 3% | -2% | 5% | 2% | 5% | -0% | 5% | -0% | -1% | 5% |
| Other Income | 3,896 | 5,519 | 5,332 | 5,316 | 6,503 | 5,042 | 6,538 | 4,658 | 7,553 | 5,163 | 7,076 | 5,538 | 5,116 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 4,418 | 6,179 | 7,096 | 6,217 | 6,023 | 6,526 | 7,033 | 6,340 | 7,434 | 6,935 | 6,911 | 5,170 | 6,695 |
| Tax % | 26% | 33% | 28% | 31% | 28% | 27% | 29% | 28% | 27% | 26% | 23% | 35% | 24% |
| Net Profit | 3,392 | 4,356 | 5,315 | 4,468 | 4,426 | 4,815 | 5,160 | 4,764 | 5,405 | 5,250 | 5,447 | 3,517 | 5,181 |
| EPS in Rs | 6.58 | 8.33 | 10.16 | 8.61 | 8.50 | 9.26 | 9.92 | 9.14 | 10.36 | 10.08 | 10.48 | 6.71 | 9.93 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: January 2, 2026, 7:31 am
Below is a detailed analysis of the quarterly data for Bank of Baroda based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 20,191.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 20,307.00 Cr. (Jun 2025) to 20,191.00 Cr., marking a decrease of 116.00 Cr..
- For Expenses, as of Sep 2025, the value is 11,548.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 12,928.00 Cr. (Jun 2025) to 11,548.00 Cr., marking a decrease of 1,380.00 Cr..
- For Other Income, as of Sep 2025, the value is 5,116.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5,538.00 Cr. (Jun 2025) to 5,116.00 Cr., marking a decrease of 422.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 6,695.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,170.00 Cr. (Jun 2025) to 6,695.00 Cr., marking an increase of 1,525.00 Cr..
- For Tax %, as of Sep 2025, the value is 24.00%. The value appears to be improving (decreasing) as expected. It has decreased from 35.00% (Jun 2025) to 24.00%, marking a decrease of 11.00%.
- For Net Profit, as of Sep 2025, the value is 5,181.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,517.00 Cr. (Jun 2025) to 5,181.00 Cr., marking an increase of 1,664.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 9.93. The value appears strong and on an upward trend. It has increased from 6.71 (Jun 2025) to 9.93, marking an increase of 3.22.
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: 8.29 (Industry average Stock P/E: 10.3)
- 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 | Contact not found |
| 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 18 January 2026) is ₹387.78 which is 25.90% higher the current market price of ₹308.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,59,407 Cr. market cap, FY2025-2026 high/low of ₹313/191, 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 1,59,407 Cr..
What is the current Stock Price of Bank of Baroda as on 18 January 2026?
The current stock price of Bank of Baroda as on 18 January 2026 is ₹308.
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 ₹313/191.
What is the Stock P/E of Bank of Baroda?
The Stock P/E of Bank of Baroda is 8.29.
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 2.71 %.
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.