Share Price and Basic Stock Data
Last Updated: November 7, 2025, 8:16 pm
| PEG Ratio | 0.33 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Bank of India, a prominent player in the public sector banking industry, reported a market capitalization of ₹64,234 Cr and a share price of ₹141. The bank’s revenue trajectory has shown consistent growth, with reported revenues rising from ₹10,043 Cr in June 2022 to ₹15,062 Cr in September 2023. This upward trend reflects a robust quarterly increase, culminating in a projected revenue of ₹16,250 Cr for March 2024. Over the years, the annual revenue increased significantly from ₹38,125 Cr in March 2014 to ₹61,073 Cr in March 2024, demonstrating a resilient business model amid challenging economic conditions. The bank’s ability to enhance its revenue base is supported by a steady interest income, which stood at ₹27,441 Cr in March 2023 and is projected to reach ₹37,757 Cr by March 2024. Such growth in revenue streams underscores the bank’s strategic initiatives to capture market share and enhance customer engagement.
Profitability and Efficiency Metrics
Bank of India reported a net profit of ₹9,493 Cr for the trailing twelve months, marking a significant recovery from previous years. The bank’s profitability metrics indicate a net profit margin of 13.09% for March 2025, an improvement from 8.09% in March 2023. This increase showcases the bank’s operational efficiency and its ability to convert revenues into profit effectively. The return on equity (ROE) stood at 12.4%, indicating a strong performance relative to shareholders’ equity. Furthermore, the financing margin percentage has improved, moving from -7% in March 2023 to a modest 7% in March 2024. Despite these positive indicators, the bank’s operating profit margin of 27.61% remains below the industry average, suggesting room for improvement in managing operating expenses. These profitability metrics highlight the bank’s ongoing efforts to enhance efficiency and optimize its cost structure while navigating a competitive banking landscape.
Balance Sheet Strength and Financial Ratios
Bank of India’s balance sheet reflects a solid foundation, with total assets reported at ₹1,056,425 Cr for March 2025, an increase from ₹826,036 Cr in March 2023. The bank’s reserves also displayed significant growth, standing at ₹76,172 Cr in March 2025 compared to ₹56,329 Cr in March 2023. Additionally, the bank has maintained a healthy capital base, with equity capital at ₹4,553 Cr for March 2025. The bank’s financial ratios depict a price-to-earnings (P/E) ratio of 6.41 and a price-to-book value (P/BV) ratio of 0.67, indicating that the bank is trading below its book value, which may attract value-oriented investors. However, the net interest margin of 2.33x and cost-to-income ratio of 50.88% suggest that while the bank is managing its costs reasonably well, further improvements could be beneficial. Overall, the balance sheet metrics indicate a strong capacity to absorb potential shocks while pursuing growth opportunities.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Bank of India reveals a stable and concentrated ownership structure, with promoters holding 73.38% of the equity as of March 2025. Foreign institutional investors (FIIs) have increased their stake to 4.24%, up from 2.23% in December 2022, indicating growing confidence among international investors. Domestic institutional investors (DIIs) held 15.63% of the shares, reflecting robust domestic institutional interest. The number of shareholders has also risen significantly, reaching 6,95,996 by March 2025, which emphasizes increasing retail investor participation. This broadening shareholder base could enhance liquidity and support the bank’s market valuation. However, the reduction in promoter holding from 81.41% in December 2022 to 73.38% in December 2023 may raise concerns about potential dilution of control. Overall, the shareholding dynamics suggest a positive trend in investor sentiment, coupled with a need for careful monitoring of ownership changes.
Outlook, Risks, and Final Insight
Looking ahead, Bank of India is well-positioned to capitalize on growth opportunities, particularly as the economic landscape stabilizes and consumer demand recovers. The bank’s strong revenue growth and improving profitability metrics suggest potential for continued success. However, risks such as economic volatility, regulatory changes, and rising competition from private sector banks could pose challenges. Additionally, the bank’s relatively low operating profit margin compared to peers indicates a need for improved efficiency. Yet, with a solid capital base and increasing investor confidence, Bank of India has the potential to navigate these challenges effectively. Should the bank enhance its operational efficiency and maintain its growth trajectory, it could solidify its position as a leading player in the Indian banking sector. Conversely, failure to address these operational challenges may hinder its long-term growth prospects.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Bank of India
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,17,101 Cr. | 153 | 159/101 | 6.33 | 165 | 3.10 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 40,791 Cr. | 32.5 | 52.0/26.8 | 16.2 | 25.9 | 1.20 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,82,309 Cr. | 956 | 971/680 | 11.2 | 617 | 1.66 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,40,651 Cr. | 122 | 124/85.5 | 8.26 | 124 | 2.37 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 22,003 Cr. | 31.0 | 56.3/25.2 | 19.0 | 19.2 | 0.23 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 148,367.23 Cr | 229.36 | 10.52 | 177.23 | 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 | 10,043 | 11,545 | 12,796 | 13,548 | 14,442 | 15,062 | 15,319 | 16,250 | 17,046 | 17,466 | 18,317 | 18,479 | 18,467 |
| Interest | 5,915 | 6,433 | 7,144 | 7,948 | 8,467 | 9,256 | 9,792 | 10,242 | 10,693 | 11,403 | 12,166 | 12,333 | 12,321 |
| Expenses | 4,409 | 5,313 | 5,291 | 6,590 | 4,579 | 4,546 | 4,190 | 6,041 | 5,269 | 5,456 | 4,485 | 6,050 | 5,399 |
| Financing Profit | -281 | -201 | 360 | -990 | 1,396 | 1,260 | 1,337 | -33 | 1,084 | 607 | 1,666 | 97 | 747 |
| Financing Margin % | -3% | -2% | 3% | -7% | 10% | 8% | 9% | -0% | 6% | 3% | 9% | 1% | 4% |
| Other Income | 1,165 | 1,456 | 1,422 | 3,168 | 1,484 | 1,717 | 1,202 | 1,830 | 1,338 | 2,532 | 1,780 | 3,455 | 1,692 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 884 | 1,255 | 1,782 | 2,178 | 2,880 | 2,977 | 2,539 | 1,797 | 2,422 | 3,138 | 3,447 | 3,551 | 2,439 |
| Tax % | 34% | 40% | 35% | 36% | 48% | 50% | 25% | 17% | 28% | 24% | 26% | 25% | 28% |
| Net Profit | 659 | 853 | 915 | 1,413 | 1,562 | 1,499 | 1,931 | 1,574 | 1,890 | 2,422 | 2,638 | 2,602 | 1,831 |
| EPS in Rs | 1.60 | 2.08 | 2.23 | 3.44 | 3.81 | 3.65 | 4.24 | 3.46 | 4.15 | 5.32 | 5.79 | 5.72 | 4.02 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 1, 2025, 11:35 pm
Below is a detailed analysis of the quarterly data for Bank of India 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 12,321.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 12,333.00 Cr. (Mar 2025) to 12,321.00 Cr., marking a decrease of 12.00 Cr..
- For Expenses, as of Jun 2025, the value is 5,399.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 6,050.00 Cr. (Mar 2025) to 5,399.00 Cr., marking a decrease of 651.00 Cr..
- For Other Income, as of Jun 2025, the value is 1,692.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3,455.00 Cr. (Mar 2025) to 1,692.00 Cr., marking a decrease of 1,763.00 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 2,439.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3,551.00 Cr. (Mar 2025) to 2,439.00 Cr., marking a decrease of 1,112.00 Cr..
- For Tax %, as of Jun 2025, the value is 28.00%. The value appears to be increasing, which may not be favorable. It has increased from 25.00% (Mar 2025) to 28.00%, marking an increase of 3.00%.
- For Net Profit, as of Jun 2025, the value is 1,831.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,602.00 Cr. (Mar 2025) to 1,831.00 Cr., marking a decrease of 771.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 4.02. The value appears to be declining and may need further review. It has decreased from 5.72 (Mar 2025) to 4.02, marking a decrease of 1.70.
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 | 38,125 | 43,685 | 42,093 | 39,585 | 38,313 | 41,005 | 42,591 | 40,854 | 38,281 | 47,932 | 61,073 | 71,308 | 72,729 |
| Interest | 27,170 | 32,220 | 30,245 | 27,606 | 27,679 | 27,207 | 27,191 | 26,421 | 24,083 | 27,441 | 37,757 | 46,594 | 48,222 |
| Expenses | 11,473 | 13,600 | 19,842 | 21,218 | 24,618 | 26,874 | 26,386 | 17,672 | 16,263 | 21,177 | 18,848 | 20,656 | 21,390 |
| Financing Profit | -518 | -2,135 | -7,994 | -9,239 | -13,984 | -13,076 | -10,987 | -3,239 | -2,065 | -686 | 4,469 | 4,057 | 3,116 |
| Financing Margin % | -1% | -5% | -19% | -23% | -36% | -32% | -26% | -8% | -5% | -1% | 7% | 6% | 4% |
| Other Income | 4,319 | 4,278 | 3,672 | 6,819 | 5,846 | 4,862 | 6,687 | 6,778 | 8,092 | 7,168 | 6,415 | 9,317 | 9,459 |
| Depreciation | 234 | 291 | 290 | -7 | 522 | 373 | 392 | 380 | 372 | 427 | 509 | 604 | 0 |
| Profit before tax | 3,567 | 1,852 | -4,612 | -2,412 | -8,660 | -8,587 | -4,692 | 3,160 | 5,655 | 6,056 | 10,375 | 12,771 | 12,575 |
| Tax % | 23% | 6% | 37% | -34% | -30% | -37% | -35% | 34% | 38% | 37% | 37% | 25% | |
| Net Profit | 2,988 | 2,015 | -6,276 | -1,492 | -5,982 | -5,426 | -3,051 | 2,081 | 3,487 | 3,839 | 6,567 | 9,552 | 9,493 |
| EPS in Rs | 46.50 | 30.27 | -75.98 | -13.94 | -34.20 | -19.67 | -9.31 | 6.36 | 8.51 | 9.35 | 14.42 | 20.97 | 20.85 |
| Dividend Payout % | 11% | 17% | 0% | 0% | 0% | 0% | 0% | 0% | 24% | 21% | 19% | 19% |
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 (%) | -32.56% | -411.46% | 76.23% | -300.94% | 9.29% | 43.77% | 168.21% | 67.56% | 10.09% | 71.06% | 45.45% |
| Change in YoY Net Profit Growth (%) | 0.00% | -378.90% | 487.69% | -377.17% | 310.23% | 34.48% | 124.44% | -100.64% | -57.47% | 60.97% | -25.61% |
Bank of India 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: | 5% |
| 5 Years: | 11% |
| 3 Years: | 23% |
| TTM: | 14% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 17% |
| 5 Years: | 38% |
| 3 Years: | 43% |
| TTM: | 43% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -1% |
| 5 Years: | 18% |
| 3 Years: | 30% |
| 1 Year: | -5% |
| Return on Equity | |
|---|---|
| 10 Years: | 0% |
| 5 Years: | 8% |
| 3 Years: | 10% |
| Last Year: | 12% |
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 | 643 | 666 | 817 | 1,055 | 1,744 | 2,760 | 3,278 | 3,278 | 4,104 | 4,104 | 4,553 | 4,553 |
| Reserves | 30,131 | 31,857 | 32,528 | 32,574 | 35,013 | 44,892 | 41,795 | 46,703 | 52,418 | 56,329 | 66,028 | 76,172 |
| Deposits | 481,995 | 536,932 | 515,722 | 542,352 | 522,997 | 522,555 | 557,386 | 629,098 | 629,981 | 672,194 | 740,611 | 819,806 |
| Borrowing | 45,128 | 37,649 | 51,103 | 39,491 | 43,598 | 44,265 | 39,752 | 32,464 | 26,821 | 65,015 | 80,960 | 123,869 |
| Other Liabilities | 20,126 | 18,046 | 16,457 | 16,553 | 11,833 | 16,409 | 20,805 | 21,244 | 29,807 | 28,393 | 32,127 | 32,024 |
| Total Liabilities | 578,022 | 625,150 | 616,628 | 632,026 | 615,184 | 630,881 | 663,017 | 732,786 | 743,131 | 826,036 | 924,280 | 1,056,425 |
| Fixed Assets | 5,678 | 5,802 | 8,382 | 8,349 | 8,192 | 8,799 | 8,765 | 8,637 | 9,570 | 9,950 | 10,178 | 11,865 |
| CWIP | 143 | 113 | 191 | 197 | 158 | 200 | 293 | 364 | 286 | 110 | 150 | 182 |
| Investments | 116,490 | 123,196 | 122,621 | 130,751 | 140,321 | 150,905 | 162,323 | 191,693 | 180,274 | 211,324 | 234,592 | 268,002 |
| Other Assets | 455,712 | 496,040 | 485,435 | 492,729 | 466,513 | 470,977 | 491,636 | 532,092 | 553,001 | 604,652 | 679,361 | 776,376 |
| Total Assets | 578,022 | 625,150 | 616,628 | 632,026 | 615,184 | 630,881 | 663,017 | 732,786 | 743,131 | 826,036 | 924,280 | 1,056,425 |
Below is a detailed analysis of the balance sheet data for Bank of India 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 4,553.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 4,553.00 Cr..
- For Reserves, as of Mar 2025, the value is 76,172.00 Cr.. The value appears strong and on an upward trend. It has increased from 66,028.00 Cr. (Mar 2024) to 76,172.00 Cr., marking an increase of 10,144.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 32,024.00 Cr.. The value appears to be improving (decreasing). It has decreased from 32,127.00 Cr. (Mar 2024) to 32,024.00 Cr., marking a decrease of 103.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 1,056,425.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 924,280.00 Cr. (Mar 2024) to 1,056,425.00 Cr., marking an increase of 132,145.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 11,865.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,178.00 Cr. (Mar 2024) to 11,865.00 Cr., marking an increase of 1,687.00 Cr..
- For CWIP, as of Mar 2025, the value is 182.00 Cr.. The value appears strong and on an upward trend. It has increased from 150.00 Cr. (Mar 2024) to 182.00 Cr., marking an increase of 32.00 Cr..
- For Investments, as of Mar 2025, the value is 268,002.00 Cr.. The value appears strong and on an upward trend. It has increased from 234,592.00 Cr. (Mar 2024) to 268,002.00 Cr., marking an increase of 33,410.00 Cr..
- For Other Assets, as of Mar 2025, the value is 776,376.00 Cr.. The value appears strong and on an upward trend. It has increased from 679,361.00 Cr. (Mar 2024) to 776,376.00 Cr., marking an increase of 97,015.00 Cr..
- For Total Assets, as of Mar 2025, the value is 1,056,425.00 Cr.. The value appears strong and on an upward trend. It has increased from 924,280.00 Cr. (Mar 2024) to 1,056,425.00 Cr., marking an increase of 132,145.00 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 | -470.00 | -523.00 | -496.00 | -521.00 | -498.00 | -496.00 | -531.00 | -612.00 | -613.00 | -651.00 | -722.00 | -799.00 |
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 % | 11% | 6% | -19% | -4% | -17% | -14% | -7% | 4% | 6% | 6% | 10% | 12% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Pure Value Fund | 7,063,991 | 1.59 | 77.28 | 7,063,991 | 2025-04-22 17:25:41 | 0% |
| Aditya Birla Sun Life Banking And Financial Services Fund | 6,996,313 | 2.64 | 76.54 | 6,996,313 | 2025-04-22 17:25:41 | 0% |
| Aditya Birla Sun Life PSU Equity Fund | 6,839,613 | 5.27 | 74.83 | 6,839,613 | 2025-04-22 17:25:41 | 0% |
| Nippon India ETF Nifty PSU Bank BeES | 6,788,432 | 4.41 | 74.27 | 6,788,432 | 2025-04-22 17:25:41 | 0% |
| Kotak Nifty PSU Bank ETF | 4,973,053 | 4.42 | 54.41 | 4,973,053 | 2025-04-22 17:25:41 | 0% |
| Aditya Birla Sun Life Small Cap Fund | 3,910,507 | 0.92 | 42.78 | 3,910,507 | 2025-04-22 17:25:41 | 0% |
| SBI PSU Fund | 3,000,000 | 3.9 | 32.82 | 3,000,000 | 2025-04-22 17:25:41 | 0% |
| Aditya Birla Sun Life Dividend Yield Fund | 1,606,248 | 1.71 | 17.57 | 1,606,248 | 2025-04-22 17:25:41 | 0% |
| Sundaram Mid Cap Fund | 1,000,000 | 0.12 | 10.94 | 1,000,000 | 2025-04-22 17:25:41 | 0% |
| Sundaram Mid Cap Fund - Institutional Plan | 1,000,000 | 0.12 | 10.94 | 1,000,000 | 2025-04-22 17:25:41 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 20.97 | 15.48 | 9.35 | 9.07 | 6.36 |
| Diluted EPS (Rs.) | 20.97 | 15.48 | 9.35 | 9.07 | 6.35 |
| Cash EPS (Rs.) | 21.84 | 15.14 | 10.50 | 9.20 | 7.87 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 159.01 | 139.91 | 130.30 | 120.70 | 124.10 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 177.29 | 155.01 | 147.24 | 137.71 | 143.33 |
| Operating Revenue / Share (Rs.) | 156.60 | 134.13 | 116.78 | 93.27 | 124.64 |
| Net Profit / Share (Rs.) | 20.51 | 14.02 | 9.46 | 8.30 | 6.71 |
| Net Profit After MI / Share (Rs.) | 20.97 | 14.42 | 9.35 | 8.51 | 6.35 |
| Net Profit Margin (%) | 13.09 | 10.45 | 8.09 | 8.89 | 5.38 |
| Net Profit After MI And SOA Nargin (%) | 13.39 | 10.74 | 8.00 | 9.12 | 5.09 |
| Operating Profit Margin (%) | 27.61 | 21.60 | 14.01 | 15.33 | 10.02 |
| Return On Assets (%) | 0.90 | 0.71 | 0.46 | 0.46 | 0.28 |
| Return On Equity / Networth (%) | 13.18 | 10.30 | 7.17 | 7.04 | 5.12 |
| Net Interest Margin (X) | 2.33 | 2.52 | 2.48 | 1.91 | 1.96 |
| Cost To Income (%) | 50.88 | 51.79 | 51.88 | 54.80 | 50.19 |
| Interest Income / Total Assets (%) | 6.74 | 6.60 | 5.80 | 5.15 | 5.57 |
| Non-Interest Income / Total Assets (%) | 0.86 | 0.67 | 0.87 | 1.07 | 1.02 |
| Operating Profit / Total Assets (%) | 0.02 | 0.01 | -0.40 | -0.61 | -0.72 |
| Operating Expenses / Total Assets (%) | 1.62 | 1.65 | 1.74 | 1.63 | 1.50 |
| Interest Expenses / Total Assets (%) | 4.41 | 4.08 | 3.32 | 3.24 | 3.60 |
| Enterprise Value (Rs.Cr.) | 940316.59 | 845059.44 | 723548.52 | 635089.78 | 622871.03 |
| EV Per Net Sales (X) | 13.19 | 13.84 | 15.10 | 16.59 | 15.25 |
| Price To Book Value (X) | 0.67 | 0.97 | 0.57 | 0.37 | 0.54 |
| Price To Sales (X) | 0.68 | 1.02 | 0.64 | 0.49 | 0.54 |
| Retention Ratios (%) | 86.64 | 87.49 | 78.61 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.19 | 0.10 | 0.12 | 0.18 | 0.09 |
After reviewing the key financial ratios for Bank of India, 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 20.97. This value is within the healthy range. It has increased from 15.48 (Mar 24) to 20.97, marking an increase of 5.49.
- For Diluted EPS (Rs.), as of Mar 25, the value is 20.97. This value is within the healthy range. It has increased from 15.48 (Mar 24) to 20.97, marking an increase of 5.49.
- For Cash EPS (Rs.), as of Mar 25, the value is 21.84. This value is within the healthy range. It has increased from 15.14 (Mar 24) to 21.84, marking an increase of 6.70.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 159.01. It has increased from 139.91 (Mar 24) to 159.01, marking an increase of 19.10.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 177.29. It has increased from 155.01 (Mar 24) to 177.29, marking an increase of 22.28.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 20.51. This value is within the healthy range. It has increased from 14.02 (Mar 24) to 20.51, marking an increase of 6.49.
- For Net Profit Margin (%), as of Mar 25, the value is 13.09. This value exceeds the healthy maximum of 10. It has increased from 10.45 (Mar 24) to 13.09, marking an increase of 2.64.
- For Return On Assets (%), as of Mar 25, the value is 0.90. This value is below the healthy minimum of 5. It has increased from 0.71 (Mar 24) to 0.90, marking an increase of 0.19.
- For Retention Ratios (%), as of Mar 25, the value is 86.64. This value exceeds the healthy maximum of 70. It has decreased from 87.49 (Mar 24) to 86.64, marking a decrease of 0.85.
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 India:
- Net Profit Margin: 13.09%
- 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: 6.57 (Industry average Stock P/E: 10.52)
- 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: 13.09%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Public Sector | Star House, C-5, `G' Block, Mumbai Maharashtra 400051 | headoffice.share@bankofindia.co.in http://www.bankofindia.co.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. M R Kumar | Non Executive Chairman |
| Mr. Rajneesh Karnatak | Managing Director & CEO |
| Mr. P R Rajagopal | Executive Director |
| Mr. Subrat Kumar | Executive Director |
| Mr. Rajiv Mishra | Executive Director |
| Mr. Manoj Muttathil Ayyappan | Director |
| Mrs. Jamuna Ravi | Director |
| Mr. V V Shenoy | Director |
| Mr. Ashok Narain | Director |
FAQ
What is the intrinsic value of Bank of India?
Bank of India's intrinsic value (as of 07 November 2025) is 122.61 which is 15.44% lower the current market price of 145.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 65,808 Cr. market cap, FY2025-2026 high/low of 145/90.0, reserves of ₹76,172 Cr, and liabilities of 1,056,425 Cr.
What is the Market Cap of Bank of India?
The Market Cap of Bank of India is 65,808 Cr..
What is the current Stock Price of Bank of India as on 07 November 2025?
The current stock price of Bank of India as on 07 November 2025 is 145.
What is the High / Low of Bank of India stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Bank of India stocks is 145/90.0.
What is the Stock P/E of Bank of India?
The Stock P/E of Bank of India is 6.57.
What is the Book Value of Bank of India?
The Book Value of Bank of India is 183.
What is the Dividend Yield of Bank of India?
The Dividend Yield of Bank of India is 2.80 %.
What is the ROCE of Bank of India?
The ROCE of Bank of India is 6.17 %.
What is the ROE of Bank of India?
The ROE of Bank of India is 12.4 %.
What is the Face Value of Bank of India?
The Face Value of Bank of India is 10.0.