Share Price and Basic Stock Data
Last Updated: November 3, 2025, 8:17 pm
| PEG Ratio | 0.39 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Bank of Baroda, a prominent public sector bank in India, reported a share price of ₹277 and a market capitalization of ₹1,43,221 Cr. The bank’s revenue has shown a significant upward trajectory, rising from ₹20,048 Cr in June 2022 to ₹31,072 Cr in March 2024, and further to ₹31,143 Cr in June 2024. This consistent growth demonstrates the bank’s ability to enhance its operational performance amidst challenging market conditions. The quarterly revenue figures indicate a steady increase, with the latest reported revenue for September 2024 standing at ₹31,887 Cr. The bank’s interest income, which has also been on the rise, reached ₹20,273 Cr in March 2025, reflecting effective asset-liability management and robust lending practices. Furthermore, the trailing twelve months (TTM) revenue reached ₹130,143 Cr, underscoring the bank’s resilience and operational efficiency in a competitive banking landscape.
Profitability and Efficiency Metrics
Bank of Baroda’s profitability metrics have showcased notable improvements, with a reported net profit of ₹19,618 Cr and a return on equity (ROE) of 15.5%. The bank’s profit before tax for March 2025 stood at ₹27,619 Cr, indicating a strong operational performance. The net profit margin for the same period was recorded at 15.99%, reflecting effective cost management and revenue generation strategies. The financing profit margin, however, displayed fluctuations, reported at 3% in March 2023 and stabilizing at 3% in March 2025. Additionally, the return on capital employed (ROCE) stood at 6.29%, which is relatively low compared to sector averages, indicating room for improvement in capital efficiency. Overall, the bank’s performance indicates a strong capacity for generating profit, albeit with some challenges in optimizing its capital structure.
Balance Sheet Strength and Financial Ratios
Bank of Baroda’s balance sheet reflects a solid foundation, with total assets amounting to ₹1,861,766 Cr as of March 2025. The bank’s reserves have grown significantly, reaching ₹145,467 Cr, which provides a robust buffer for potential losses and supports future growth initiatives. The bank’s equity capital stood at ₹1,036 Cr, while total liabilities were recorded at ₹1,861,766 Cr, indicating a manageable leverage position. The price-to-book value ratio was reported at 0.80, suggesting that the bank’s shares are trading below their intrinsic value, which could attract value investors. However, the cost-to-income ratio of 49.21% indicates that the bank still faces challenges in managing operational costs effectively. This balance sheet strength, combined with its improving profitability metrics, positions Bank of Baroda favorably within the banking sector.
Shareholding Pattern and Investor Confidence
Bank of Baroda’s shareholding structure illustrates a stable pattern of ownership, with promoters holding a significant 63.97% stake. The presence of foreign institutional investors (FIIs) has shown variability, declining to 8.98% as of March 2025 from a peak of 12.29% in June 2023, indicating fluctuating confidence among international investors. Domestic institutional investors (DIIs) have maintained a relatively steady stake, reported at 17.97% in March 2025. The number of shareholders has increased to 16,89,797, reflecting growing retail investor interest. The public holding stood at 8.83%, which is relatively low compared to typical sector ranges, suggesting that the bank may have opportunities to increase public participation. Overall, while the core promoter holding remains strong, the decline in FII participation could signal caution among international investors regarding the bank’s future prospects.
Outlook, Risks, and Final Insight
Looking ahead, Bank of Baroda’s growth trajectory appears promising, bolstered by its robust revenue growth and improving profitability metrics. However, the bank faces several risks, including potential fluctuations in net interest margins and the impact of economic conditions on loan defaults. The bank’s ability to maintain its asset quality, particularly in the face of economic headwinds, will be crucial. Additionally, the declining trend in FII participation may pose challenges in attracting foreign capital, which is vital for sustaining growth. Strengths such as a solid reserve base and a stable shareholding pattern provide a cushion against these risks. In scenarios where the bank can effectively manage costs and optimize its capital structure, it may realize significant upside potential, particularly as the Indian economy continues to recover and grow.
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 | 1,15,269 Cr. | 151 | 159/101 | 6.23 | 165 | 3.15 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 42,108 Cr. | 33.6 | 52.0/26.8 | 16.7 | 25.9 | 1.16 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,76,632 Cr. | 950 | 953/680 | 11.0 | 583 | 1.67 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,41,949 Cr. | 124 | 124/85.5 | 8.33 | 124 | 2.35 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 22,592 Cr. | 31.9 | 56.3/25.2 | 19.5 | 19.2 | 0.22 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 148,363.38 Cr | 229.68 | 10.65 | 174.62 | 1.89% | 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: June 16, 2025, 12:24 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 431 | 444 | 462 | 462 | 530 | 530 | 925 | 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 3 | 6 | 1 |
| 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Bank of Baroda based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 1,036.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 1,036.00 Cr..
- For Reserves, as of Mar 2025, the value is 145,467.00 Cr.. The value appears strong and on an upward trend. It has increased from 118,677.00 Cr. (Mar 2024) to 145,467.00 Cr., marking an increase of 26,790.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 82,762.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 73,123.00 Cr. (Mar 2024) to 82,762.00 Cr., marking an increase of 9,639.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 1,861,766.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,654,775.00 Cr. (Mar 2024) to 1,861,766.00 Cr., marking an increase of 206,991.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 13,544.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,054.00 Cr. (Mar 2024) to 13,544.00 Cr., marking an increase of 4,490.00 Cr..
- For CWIP, as of Mar 2025, the value is 1.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6.00 Cr. (Mar 2024) to 1.00 Cr., marking a decrease of 5.00 Cr..
- For Investments, as of Mar 2025, the value is 427,380.00 Cr.. The value appears strong and on an upward trend. It has increased from 407,136.00 Cr. (Mar 2024) to 427,380.00 Cr., marking an increase of 20,244.00 Cr..
- For Other Assets, as of Mar 2025, the value is 1,420,842.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,238,580.00 Cr. (Mar 2024) to 1,420,842.00 Cr., marking an increase of 182,262.00 Cr..
- For Total Assets, as of Mar 2025, the value is 1,861,766.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,654,775.00 Cr. (Mar 2024) to 1,861,766.00 Cr., marking an increase of 206,991.00 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: 7.83 (Industry average Stock P/E: 10.65)
- 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 03 November 2025) is 306.63 which is 5.37% higher the current market price of 291.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,50,644 Cr. market cap, FY2025-2026 high/low of 293/191, reserves of ₹145,467 Cr, and liabilities of 1,861,766 Cr.
What is the Market Cap of Bank of Baroda?
The Market Cap of Bank of Baroda is 1,50,644 Cr..
What is the current Stock Price of Bank of Baroda as on 03 November 2025?
The current stock price of Bank of Baroda as on 03 November 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 293/191.
What is the Stock P/E of Bank of Baroda?
The Stock P/E of Bank of Baroda is 7.83.
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 2.87 %.
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.