Share Price and Basic Stock Data
Last Updated: February 7, 2026, 7:00 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, a prominent public sector bank in India, reported a market capitalization of ₹1,43,608 Cr and a share price of ₹278. The bank’s revenue trajectory showed significant growth, rising from ₹22,424 Cr in September 2022 to ₹29,263 Cr in September 2023, indicating a robust year-on-year increase. This upward trend continued with revenues projected to reach ₹31,902 Cr by September 2024. The bank’s total revenue for the financial year ending March 2023 stood at ₹94,503 Cr, with a forecasted increase to ₹118,379 Cr in March 2024 and ₹127,945 Cr in March 2025. Such growth reflects the bank’s strong operational capabilities and its ability to capitalize on the expanding Indian banking sector, which is often characterized by a competitive landscape but offers ample opportunity for growth.
Profitability and Efficiency Metrics
Bank of Baroda’s profitability metrics reveal a positive trend, with a net profit of ₹19,394 Cr recorded for the financial year ending March 2025, up from ₹15,005 Cr in March 2023. The bank’s return on equity (ROE) stood at a commendable 15.5%, significantly above the industry average, indicating efficient use of equity capital to generate profits. The net profit margin was reported at 15.99% for March 2025, highlighting strong operational efficiency. However, the return on capital employed (ROCE) was lower at 6.29%, suggesting room for improvement in leveraging capital for generating returns. The bank’s financing profit margin fluctuated, with a notable negative margin of -2% in September 2023, but rebounded to 5% in December 2023, showcasing volatility in its financing operations.
Balance Sheet Strength and Financial Ratios
The balance sheet of Bank of Baroda reflects notable strength with total assets reported at ₹1,861,766 Cr as of March 2025, up from ₹1,525,871 Cr in March 2023. The bank’s reserves have also shown substantial growth, standing at ₹157,860 Cr in September 2025, indicating a solid foundation for future growth and stability. The price-to-earnings (P/E) ratio of 7.38 suggests that the stock is undervalued compared to the sector average, providing potential upside for investors. However, the bank’s cost-to-income ratio at 49.21% indicates that operational efficiency could be enhanced further. Additionally, the debt levels are a concern, with borrowings increasing to ₹135,813 Cr in March 2025, which could impact financial stability if not managed effectively.
Shareholding Pattern and Investor Confidence
Bank of Baroda’s shareholding structure demonstrates a stable and confident investor base, with promoters holding 63.97% of the shares, indicating strong insider confidence in the bank’s future. Foreign institutional investors (FIIs) comprised 8.71% of the shareholding as of September 2025, reflecting a cautious but favorable view from international investors. Domestic institutional investors (DIIs) accounted for 18.93%, showing robust local institutional support. The number of shareholders has seen fluctuations, standing at 15,65,743 as of September 2025, suggesting a healthy level of retail participation. However, the gradual decline in FII participation from a peak of 12.39% in September 2023 to 8.71% indicates potential caution from foreign investors regarding the bank’s future prospects.
Outlook, Risks, and Final Insight
Looking ahead, Bank of Baroda’s growth prospects remain promising, driven by its expanding revenue and profitability metrics. However, potential risks include rising borrowings and fluctuating financing margins, which could impact financial stability. Additionally, the bank needs to enhance its capital efficiency to improve ROCE. The banking sector’s competitive landscape and regulatory changes also pose challenges. Despite these risks, the bank’s strong capital base and investor confidence provide a solid foundation. Should the bank successfully navigate these challenges, it could enhance its market position and deliver significant returns to shareholders. Conversely, failure to manage operational costs and improve financing margins may hinder growth potential.
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 | 1,35,977 Cr. | 178 | 183/107 | 7.18 | 172 | 2.67 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 35,788 Cr. | 28.5 | 42.2/26.8 | 13.7 | 26.5 | 1.37 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,84,353 Cr. | 1,066 | 1,090/680 | 12.1 | 641 | 1.49 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,41,191 Cr. | 123 | 135/85.5 | 7.94 | 130 | 2.36 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,229 Cr. | 27.1 | 50.5/25.2 | 15.8 | 19.6 | 0.26 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 158,260.62 Cr | 241.38 | 9.95 | 183.82 | 1.84% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 24,834 | 27,196 | 28,003 | 29,263 | 30,042 | 31,072 | 31,143 | 31,902 | 32,570 | 32,820 | 32,866 | 33,318 | 33,600 |
| Interest | 13,161 | 14,790 | 16,060 | 17,528 | 18,002 | 18,309 | 18,582 | 19,266 | 20,143 | 20,273 | 20,307 | 20,191 | 20,586 |
| Expenses | 11,012 | 10,642 | 11,040 | 12,216 | 10,556 | 12,269 | 10,879 | 12,755 | 10,654 | 12,712 | 12,928 | 11,548 | 12,390 |
| Financing Profit | 660 | 1,764 | 902 | -480 | 1,484 | 494 | 1,682 | -119 | 1,772 | -165 | -368 | 1,579 | 624 |
| Financing Margin % | 3% | 6% | 3% | -2% | 5% | 2% | 5% | -0% | 5% | -0% | -1% | 5% | 2% |
| Other Income | 5,519 | 5,332 | 5,316 | 6,503 | 5,042 | 6,538 | 4,658 | 7,553 | 5,163 | 7,076 | 5,538 | 5,116 | 6,399 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 6,179 | 7,096 | 6,217 | 6,023 | 6,526 | 7,033 | 6,340 | 7,434 | 6,935 | 6,911 | 5,170 | 6,695 | 7,024 |
| Tax % | 33% | 28% | 31% | 28% | 27% | 29% | 28% | 27% | 26% | 23% | 35% | 24% | 23% |
| Net Profit | 4,356 | 5,315 | 4,468 | 4,426 | 4,815 | 5,160 | 4,764 | 5,405 | 5,250 | 5,447 | 3,517 | 5,181 | 5,501 |
| EPS in Rs | 8.33 | 10.16 | 8.61 | 8.50 | 9.26 | 9.92 | 9.14 | 10.36 | 10.08 | 10.48 | 6.71 | 9.93 | 10.53 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 6, 2026, 1:46 pm
Below is a detailed analysis of the quarterly data for Bank of Baroda based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 20,586.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 20,191.00 Cr. (Sep 2025) to 20,586.00 Cr., marking an increase of 395.00 Cr..
- For Expenses, as of Dec 2025, the value is 12,390.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 11,548.00 Cr. (Sep 2025) to 12,390.00 Cr., marking an increase of 842.00 Cr..
- For Other Income, as of Dec 2025, the value is 6,399.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,116.00 Cr. (Sep 2025) to 6,399.00 Cr., marking an increase of 1,283.00 Cr..
- For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 7,024.00 Cr.. The value appears strong and on an upward trend. It has increased from 6,695.00 Cr. (Sep 2025) to 7,024.00 Cr., marking an increase of 329.00 Cr..
- For Tax %, as of Dec 2025, the value is 23.00%. The value appears to be improving (decreasing) as expected. It has decreased from 24.00% (Sep 2025) to 23.00%, marking a decrease of 1.00%.
- For Net Profit, as of Dec 2025, the value is 5,501.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,181.00 Cr. (Sep 2025) to 5,501.00 Cr., marking an increase of 320.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 10.53. The value appears strong and on an upward trend. It has increased from 9.93 (Sep 2025) to 10.53, marking an increase of 0.60.
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
| 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
| 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 | 1538.68 | N/A | N/A | N/A |
| HDFC Small Cap Fund | 46,828,792 | 3.67 | 1385.66 | N/A | N/A | N/A |
| HDFC Balanced Advantage Fund | 30,000,000 | 0.82 | 887.7 | N/A | N/A | N/A |
| SBI Balanced Advantage Fund | 26,646,950 | 1.98 | 788.48 | N/A | N/A | N/A |
| ICICI Prudential Large Cap Fund | 15,307,156 | 0.58 | 452.94 | N/A | N/A | N/A |
| Kotak Multicap Fund | 15,100,000 | 1.94 | 446.81 | N/A | N/A | N/A |
| Kotak Midcap Fund | 11,700,000 | 0.57 | 346.2 | N/A | N/A | N/A |
| SBI PSU Fund | 11,000,000 | 5.6 | 325.49 | N/A | N/A | N/A |
| SBI Banking & Financial Services Fund | 9,985,585 | 2.92 | 295.47 | N/A | N/A | N/A |
| Aditya Birla Sun Life PSU Equity Fund | 8,152,807 | 4.27 | 241.24 | 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: 7.68 (Industry average Stock P/E: 9.95)
- 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 07 February 2026) is ₹372.77 which is 28.99% higher the current market price of ₹289.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,49,556 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 1,49,556 Cr..
What is the current Stock Price of Bank of Baroda as on 07 February 2026?
The current stock price of Bank of Baroda as on 07 February 2026 is ₹289.
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 7.68.
What is the Book Value of Bank of Baroda?
The Book Value of Bank of Baroda is 318.
What is the Dividend Yield of Bank of Baroda?
The Dividend Yield of Bank of Baroda is 2.89 %.
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.