Below is a detailed analysis of the quarterly data for Bank of India based on the most recent figures (Mar 2025) and their trends compared to the previous period:
For Interest, as of Mar 2025, the value is 12,333.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 12,166.00 Cr. (Dec 2024) to 12,333.00 Cr., marking an increase of 167.00 Cr..
For Expenses, as of Mar 2025, the value is 6,050.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4,485.00 Cr. (Dec 2024) to 6,050.00 Cr., marking an increase of 1,565.00 Cr..
For Other Income, as of Mar 2025, the value is 3,455.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,780.00 Cr. (Dec 2024) to 3,455.00 Cr., marking an increase of 1,675.00 Cr..
For Depreciation, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
For Profit before tax, as of Mar 2025, the value is 3,551.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,447.00 Cr. (Dec 2024) to 3,551.00 Cr., marking an increase of 104.00 Cr..
For Tax %, as of Mar 2025, the value is 25.00%. The value appears to be improving (decreasing) as expected. It has decreased from 26.00% (Dec 2024) to 25.00%, marking a decrease of 1.00%.
For Net Profit, as of Mar 2025, the value is 2,602.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,638.00 Cr. (Dec 2024) to 2,602.00 Cr., marking a decrease of 36.00 Cr..
For EPS in Rs, as of Mar 2025, the value is 5.72. The value appears to be declining and may need further review. It has decreased from 5.79 (Dec 2024) to 5.72, marking a decrease of 0.07.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
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Quarterly Chart
Profit & Loss - Annual Report
Last Updated: May 15, 2025, 7:08 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
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
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
Expenses
11,473
13,600
19,842
21,218
24,618
26,874
26,386
17,672
16,263
21,177
18,848
21,260
Financing Profit
-518
-2,135
-7,994
-9,239
-13,984
-13,076
-10,987
-3,239
-2,065
-686
4,469
3,454
Financing Margin %
-1%
-5%
-19%
-23%
-36%
-32%
-26%
-8%
-5%
-1%
7%
5%
Other Income
4,319
4,278
3,672
6,819
5,846
4,862
6,687
6,778
8,092
7,168
6,415
9,105
Depreciation
234
291
290
-7
522
373
392
380
372
427
509
-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
12,558
Tax %
23%
6%
37%
-34%
-30%
-37%
-35%
34%
38%
37%
37%
26%
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
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
Dividend Payout %
11%
17%
-0%
-0%
-0%
-0%
-0%
-0%
24%
21%
19%
19%
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Profit & Loss Yearly Chart
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:
17%
Compounded Profit Growth
10 Years:
17%
5 Years:
38%
3 Years:
43%
TTM:
43%
Stock Price CAGR
10 Years:
-3%
5 Years:
25%
3 Years:
40%
1 Year:
-1%
Return on Equity
10 Years:
0%
5 Years:
8%
3 Years:
10%
Last Year:
12%
Last Updated: Unknown
No data available for the Balance Sheet data table.
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 24, the value is 15.48. This value is within the healthy range. It has increased from 9.35 (Mar 23) to 15.48, marking an increase of 6.13.
For Diluted EPS (Rs.), as of Mar 24, the value is 15.48. This value is within the healthy range. It has increased from 9.35 (Mar 23) to 15.48, marking an increase of 6.13.
For Cash EPS (Rs.), as of Mar 24, the value is 15.14. This value is within the healthy range. It has increased from 10.50 (Mar 23) to 15.14, marking an increase of 4.64.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 139.91. It has increased from 130.30 (Mar 23) to 139.91, marking an increase of 9.61.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 155.01. It has increased from 147.24 (Mar 23) to 155.01, marking an increase of 7.77.
For Net Profit / Share (Rs.), as of Mar 24, the value is 14.02. This value is within the healthy range. It has increased from 9.46 (Mar 23) to 14.02, marking an increase of 4.56.
For Net Profit Margin (%), as of Mar 24, the value is 10.45. This value exceeds the healthy maximum of 10. It has increased from 8.09 (Mar 23) to 10.45, marking an increase of 2.36.
For Return On Assets (%), as of Mar 24, the value is 0.71. This value is below the healthy minimum of 5. It has increased from 0.46 (Mar 23) to 0.71, marking an increase of 0.25.
For Retention Ratios (%), as of Mar 24, the value is 87.49. This value exceeds the healthy maximum of 70. It has increased from 78.61 (Mar 23) to 87.49, marking an increase of 8.88.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
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Profitability Ratios (%)
Liquidity Ratios
Liquidity Ratios (%)
Interest Coverage Ratios (%)
Valuation Ratios
Fair Value
Fair Value of Bank of India as of June 13, 2025 is: 108.46
Calculation basis:
Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.
As of June 13, 2025, Bank of India is Overvalued by 11.82% compared to the current share price 123.00
Intrinsic Value of Bank of India as of June 13, 2025 is: 137.69
Calculation basis:
Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.
This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.
As of June 13, 2025, Bank of India is Undervalued by 11.94% compared to the current share price 123.00
Last 5 Year EPS CAGR: 26.95%
*Investments are subject to market risks
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: 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 (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: 14.33%)
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: 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: 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: 5.98 (Industry average Stock P/E: 10.68)
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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions. Stock Rating:
About the Company - Qualitative Analysis
Bank of India is a Public Limited Listed company incorporated on 07/09/1906 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is U99999MH1906PLC000243 and registration number is 000243. Currently company belongs to the Industry of Finance - Banks - Public Sector. Company's Total Operating Revenue is Rs. 70826.30 Cr. and Equity Capital is Rs. 4553.41 Cr. for the Year ended 31/03/2025.
INDUSTRY
ADDRESS
CONTACT
Finance - Banks - Public Sector
Star House, C-5, `G' Block, Mumbai Maharashtra 400051
FAQ: Stock data is invalid or not in the correct format.
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Bank of India. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
