Share Price and Basic Stock Data
Last Updated: November 22, 2025, 8:04 am
| PEG Ratio | 0.39 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bank of Baroda, a prominent player in the Indian public sector banking industry, reported a market capitalization of ₹1,51,650 Cr and a share price of ₹293. The bank has demonstrated a robust revenue trajectory, with total revenue rising from ₹73,385 Cr in FY 2022 to ₹94,503 Cr in FY 2023, marking an increase of 28.5%. The revenue trend continued upward, with reported figures for FY 2024 at ₹118,379 Cr and an anticipated ₹127,945 Cr for FY 2025. Quarterly revenue also showed consistent growth, with the latest reported revenue for June 2025 standing at ₹32,866 Cr, reflecting a steady increase from ₹20,048 Cr in June 2022. This growth in revenue can be attributed to a robust interest income, which rose from ₹38,815 Cr in FY 2022 to ₹49,942 Cr in FY 2023, and further to ₹69,899 Cr in FY 2024. Such performance positions Bank of Baroda favorably within the competitive banking sector, where revenue growth is essential for sustaining profitability and market share.
Profitability and Efficiency Metrics
Bank of Baroda’s profitability metrics indicate a commendable performance with a net profit of ₹19,394 Cr reported for the trailing twelve months (TTM). The bank’s net profit margin stood at 15.99% for FY 2025, reflecting an improvement from 15.60% in FY 2023. The return on equity (ROE) was reported at 15.5% and is projected to be 16% for FY 2025, indicating effective utilization of equity capital. Additionally, the return on capital employed (ROCE) was recorded at 6.29%, showcasing the bank’s efficiency in generating returns from its total capital. However, the operating profit margin (OPM) remains unreported, which limits a comprehensive analysis of operational efficiency. The bank’s ability to maintain a consistent growth in net profit, which rose from ₹7,933 Cr in FY 2022 to ₹15,005 Cr in FY 2023, reflects strong operational management and cost control measures amidst a challenging economic environment.
Balance Sheet Strength and Financial Ratios
The balance sheet of Bank of Baroda reflects substantial strength, with total assets amounting to ₹1,861,766 Cr as of March 2025. The bank’s reserves have shown a significant increase from ₹90,833 Cr in March 2022 to ₹145,467 Cr in March 2025, enhancing its capital base. The bank’s equity capital stood at ₹1,036 Cr, while total liabilities reached ₹1,913,557 Cr, indicating a solid funding structure. The price-to-book value ratio is reported at 0.80, suggesting that the bank’s shares are undervalued relative to its book value, which stood at ₹282.95 per share as of March 2025. Furthermore, the net interest margin (NIM) stood at 2.66, slightly lower than previous years but remains competitive within the sector. The cost-to-income ratio is reported at 49.21%, reflecting effective cost management. Overall, the balance sheet metrics position Bank of Baroda favorably compared to typical sector ranges, providing a solid foundation for future growth.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Bank of Baroda demonstrates a strong promoter commitment, with promoters holding 63.97% of the total shares. This stable promoter stake is crucial for maintaining investor confidence. The foreign institutional investors (FIIs) have shown a fluctuating interest, with their stake decreasing from 12.29% in June 2023 to 8.71% by September 2025. Conversely, domestic institutional investors (DIIs) increased their stake from 15.77% in June 2023 to 18.93% by September 2025, indicating growing confidence among local institutional players. The total number of shareholders stood at 15,65,743 as of September 2025, reflecting a broad base of retail and institutional investors. This diverse shareholding structure, coupled with a consistent dividend payout of 21% for both FY 2024 and FY 2025, reinforces the bank’s commitment to returning value to its shareholders and maintaining investor trust.
Outlook, Risks, and Final Insight
Looking ahead, Bank of Baroda is poised for continued growth, buoyed by its strong revenue and profitability trends. However, risks including potential fluctuations in asset quality, as indicated by the absence of reported gross and net NPA percentages, could pose challenges. The bank’s reliance on interest income may also be impacted by changing interest rates and economic conditions. Additionally, the decrease in FIIs’ stake may raise concerns about foreign investment confidence. On the positive side, the bank’s solid capital base and improving profitability metrics position it favorably against competitors. Bank of Baroda should focus on enhancing its operational efficiencies and maintaining asset quality to mitigate risks. In scenarios of stable economic conditions, the bank could further strengthen its market position, while adverse economic shifts could necessitate strategic adjustments to sustain growth.
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 | 1,15,251 Cr. | 151 | 159/101 | 6.23 | 165 | 3.15 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 38,496 Cr. | 30.7 | 52.0/26.8 | 15.3 | 25.9 | 1.27 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,97,633 Cr. | 973 | 989/680 | 11.4 | 617 | 1.63 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,40,651 Cr. | 122 | 126/85.5 | 8.26 | 124 | 2.37 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 21,095 Cr. | 29.7 | 56.3/25.2 | 18.2 | 19.2 | 0.24 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 148,873.69 Cr | 228.38 | 10.35 | 177.23 | 1.90% | 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: November 15, 2025, 5:41 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: November 9, 2025, 1:44 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 | 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 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: 7.64 (Industry average Stock P/E: 10.35)
- 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 26 November 2025) is 299.39 which is 5.42% higher the current market price of 284.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,46,944 Cr. market cap, FY2025-2026 high/low of 295/191, 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 1,46,944 Cr..
What is the current Stock Price of Bank of Baroda as on 26 November 2025?
The current stock price of Bank of Baroda as on 26 November 2025 is 284.
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 295/191.
What is the Stock P/E of Bank of Baroda?
The Stock P/E of Bank of Baroda is 7.64.
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 2.94 %.
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.