Share Price and Basic Stock Data
Last Updated: February 3, 2026, 1:58 am
| PEG Ratio | 0.34 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bank of India operates within the public sector banking space, demonstrating a robust financial performance in recent quarters. The bank’s revenue recorded a steady increase, rising from ₹11,545 Cr in September 2022 to ₹15,062 Cr in September 2023, reflecting a year-on-year growth of approximately 30%. This upward trend continued into the subsequent quarters, with projected revenues reaching ₹18,317 Cr by December 2024. The interest income also showed a positive trajectory, increasing from ₹6,433 Cr in September 2022 to ₹9,256 Cr in September 2023. This growth in revenue can be attributed to an expanding loan book and improved asset quality. Furthermore, with total assets growing from ₹826,036 Cr in March 2023 to ₹1,056,425 Cr in March 2025, Bank of India appears well-positioned to capitalize on market opportunities. The bank’s strategic initiatives have fostered a conducive environment for revenue generation, aligning with the increasing demand for banking services in India.
Profitability and Efficiency Metrics
Bank of India reported a net profit of ₹9,647 Cr for the fiscal year ending March 2025, a significant recovery from previous years, demonstrating resilience and improved operational efficiency. The net profit margin stood at 13.09% for the same period, reflecting an increase from 10.45% in March 2024. This improvement can be attributed to a disciplined cost management approach, as evidenced by a cost-to-income ratio of 50.88%, which aligns with industry standards. The return on equity (ROE) also rose to 12.4%, indicating effective utilization of equity capital to generate profits. However, the return on capital employed (ROCE) was relatively lower at 6.17%, highlighting an area for potential enhancement. The bank’s financing margin showed fluctuations but stabilized at around 6% in the latest quarters, indicating a healthy interest rate environment. Overall, Bank of India has made commendable strides in profitability, supported by a careful balance of revenue generation and cost management.
Balance Sheet Strength and Financial Ratios
The balance sheet of Bank of India exhibits strength, with total liabilities increasing to ₹1,056,425 Cr by March 2025. The bank’s reserves have also grown significantly, standing at ₹78,982 Cr as of September 2025, which provides a cushion against potential financial downturns. The equity capital remained stable at ₹4,553 Cr, contributing to a solid equity base. The bank reported a price-to-earnings (P/E) ratio of 6.78, indicating that the stock is undervalued compared to its earnings potential. The price-to-book value (P/BV) ratio was recorded at 0.67, suggesting that the market is valuing the bank below its book value, a common scenario in the public banking sector. Additionally, the bank’s net interest margin of 2.33x indicates effective management of interest-earning assets. These financial ratios reflect a healthy balance sheet, although the bank must continue to focus on improving its ROCE to enhance shareholder value.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Bank of India reveals a stable structure with promoters holding 73.38% of the equity as of September 2025. This level of promoter holding signifies a strong commitment to the bank’s growth and stability. Foreign institutional investors (FIIs) increased their stake to 4.24%, up from 2.23% in December 2022, indicating growing confidence among international investors. Domestic institutional investors (DIIs) maintained a significant presence, holding 15.63%. The number of shareholders has also risen to 695,996, reflecting increasing retail interest in the bank’s shares. The gradual diversification in shareholding suggests a positive outlook for investor sentiment. However, the decline in promoter holding from 81.41% in December 2022 could raise concerns regarding control dynamics. Overall, the shareholding pattern and increasing investor participation are indicators of confidence in the bank’s strategic direction and future prospects.
Outlook, Risks, and Final Insight
Looking ahead, Bank of India is poised to benefit from a robust economic environment and increased credit demand. Its strong revenue growth, improving profitability metrics, and solid balance sheet position it favorably in the competitive banking landscape. However, potential risks include fluctuations in interest rates and economic downturns that could impact asset quality and profitability. Additionally, the bank’s reliance on a significant proportion of government ownership might raise concerns regarding operational flexibility and responsiveness to market changes. If the bank can enhance its ROCE and maintain healthy profit margins, it can solidify its position as a leading public sector bank. Conversely, failure to address these operational challenges could hinder its growth trajectory. Overall, Bank of India’s current performance and strategic initiatives suggest a cautiously optimistic outlook for its future.
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 | 1,30,634 Cr. | 171 | 183/107 | 6.90 | 172 | 2.78 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 35,474 Cr. | 28.3 | 43.6/26.8 | 13.5 | 26.5 | 1.38 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,49,554 Cr. | 1,029 | 1,084/680 | 12.1 | 617 | 1.55 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,40,237 Cr. | 122 | 135/85.5 | 7.88 | 130 | 2.38 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,094 Cr. | 26.9 | 50.5/25.2 | 15.7 | 19.6 | 0.26 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 152,794.38 Cr | 232.32 | 9.67 | 181.98 | 1.92% | 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 | 12,796 | 13,548 | 14,442 | 15,062 | 15,319 | 16,250 | 17,046 | 17,466 | 18,317 | 18,479 | 18,467 | 18,521 | 19,052 |
| Interest | 7,144 | 7,948 | 8,467 | 9,256 | 9,792 | 10,242 | 10,693 | 11,403 | 12,166 | 12,333 | 12,321 | 12,530 | 12,504 |
| Expenses | 5,291 | 6,590 | 4,579 | 4,546 | 4,190 | 6,041 | 5,269 | 5,456 | 4,485 | 6,050 | 5,399 | 4,849 | 5,201 |
| Financing Profit | 360 | -990 | 1,396 | 1,260 | 1,337 | -33 | 1,084 | 607 | 1,666 | 97 | 747 | 1,142 | 1,346 |
| Financing Margin % | 3% | -7% | 10% | 8% | 9% | -0% | 6% | 3% | 9% | 1% | 4% | 6% | 7% |
| Other Income | 1,422 | 3,168 | 1,484 | 1,717 | 1,202 | 1,830 | 1,338 | 2,532 | 1,780 | 3,455 | 1,692 | 2,218 | 2,327 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1,782 | 2,178 | 2,880 | 2,977 | 2,539 | 1,797 | 2,422 | 3,138 | 3,447 | 3,551 | 2,439 | 3,361 | 3,674 |
| Tax % | 35% | 36% | 48% | 50% | 25% | 17% | 28% | 24% | 26% | 25% | 28% | 25% | 25% |
| Net Profit | 915 | 1,413 | 1,562 | 1,499 | 1,931 | 1,574 | 1,890 | 2,422 | 2,638 | 2,602 | 1,831 | 2,576 | 2,814 |
| EPS in Rs | 2.23 | 3.44 | 3.81 | 3.65 | 4.24 | 3.46 | 4.15 | 5.32 | 5.79 | 5.72 | 4.02 | 5.66 | 6.18 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 6, 2026, 1:46 pm
Below is a detailed analysis of the quarterly data for Bank of India 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 12,504.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 12,530.00 Cr. (Sep 2025) to 12,504.00 Cr., marking a decrease of 26.00 Cr..
- For Expenses, as of Dec 2025, the value is 5,201.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4,849.00 Cr. (Sep 2025) to 5,201.00 Cr., marking an increase of 352.00 Cr..
- For Other Income, as of Dec 2025, the value is 2,327.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,218.00 Cr. (Sep 2025) to 2,327.00 Cr., marking an increase of 109.00 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 3,674.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,361.00 Cr. (Sep 2025) to 3,674.00 Cr., marking an increase of 313.00 Cr..
- For Tax %, as of Dec 2025, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 25.00%.
- For Net Profit, as of Dec 2025, the value is 2,814.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,576.00 Cr. (Sep 2025) to 2,814.00 Cr., marking an increase of 238.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 6.18. The value appears strong and on an upward trend. It has increased from 5.66 (Sep 2025) to 6.18, marking an increase of 0.52.
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 | 38,125 | 43,685 | 42,093 | 39,585 | 38,313 | 41,005 | 42,591 | 40,854 | 38,281 | 47,932 | 61,073 | 71,308 | 73,784 |
| 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 | 49,349 |
| 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 | 20,783 |
| Financing Profit | -518 | -2,135 | -7,994 | -9,239 | -13,984 | -13,076 | -10,987 | -3,239 | -2,065 | -686 | 4,469 | 4,057 | 3,652 |
| Financing Margin % | -1% | -5% | -19% | -23% | -36% | -32% | -26% | -8% | -5% | -1% | 7% | 6% | 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 | 9,317 | 9,146 |
| 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 | 12,798 |
| 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 | 9,647 |
| 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 | 21.19 |
| 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: 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 | 643 | 666 | 817 | 1,055 | 1,744 | 2,760 | 3,278 | 3,278 | 4,104 | 4,104 | 4,553 | 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 | 78,982 |
| 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 | 856,863 |
| 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 | 117,966 |
| 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 | 33,750 |
| 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 | 1,092,115 |
| 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 | 11,830 |
| CWIP | 143 | 113 | 191 | 197 | 158 | 200 | 293 | 364 | 286 | 110 | 150 | 182 | 0 |
| 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 | 270,445 |
| 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 | 809,839 |
| 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 | 1,092,115 |
Below is a detailed analysis of the balance sheet data for Bank of India 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 4,553.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 4,553.00 Cr..
- For Reserves, as of Sep 2025, the value is 78,982.00 Cr.. The value appears strong and on an upward trend. It has increased from 76,172.00 Cr. (Mar 2025) to 78,982.00 Cr., marking an increase of 2,810.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 33,750.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 32,024.00 Cr. (Mar 2025) to 33,750.00 Cr., marking an increase of 1,726.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 1,092,115.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,056,425.00 Cr. (Mar 2025) to 1,092,115.00 Cr., marking an increase of 35,690.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 11,830.00 Cr.. The value appears to be declining and may need further review. It has decreased from 11,865.00 Cr. (Mar 2025) to 11,830.00 Cr., marking a decrease of 35.00 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 182.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 182.00 Cr..
- For Investments, as of Sep 2025, the value is 270,445.00 Cr.. The value appears strong and on an upward trend. It has increased from 268,002.00 Cr. (Mar 2025) to 270,445.00 Cr., marking an increase of 2,443.00 Cr..
- For Other Assets, as of Sep 2025, the value is 809,839.00 Cr.. The value appears strong and on an upward trend. It has increased from 776,376.00 Cr. (Mar 2025) to 809,839.00 Cr., marking an increase of 33,463.00 Cr..
- For Total Assets, as of Sep 2025, the value is 1,092,115.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,056,425.00 Cr. (Mar 2025) to 1,092,115.00 Cr., marking an increase of 35,690.00 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 | -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 |
|---|---|---|---|---|---|---|
| DSP Mid Cap Fund | 19,384,361 | 1.42 | 278.84 | N/A | N/A | N/A |
| Nippon India Growth Mid Cap Fund | 14,500,000 | 0.5 | 208.58 | N/A | N/A | N/A |
| Aditya Birla Sun Life PSU Equity Fund | 14,197,283 | 3.62 | 204.23 | 6,839,613 | 2025-12-08 08:29:22 | 107.57% |
| SBI Contra Fund | 11,926,429 | 0.34 | 171.56 | N/A | N/A | N/A |
| SBI Large & Midcap Fund | 10,000,000 | 0.38 | 143.85 | N/A | N/A | N/A |
| SBI Banking & Financial Services Fund | 8,990,730 | 1.28 | 129.33 | 18,190,730 | 2026-01-26 04:29:25 | -50.58% |
| SBI Infrastructure Fund | 7,000,000 | 2.13 | 100.7 | N/A | N/A | N/A |
| Tata Arbitrage Fund | 6,432,400 | 0.46 | 92.53 | 6,999,200 | 2026-01-26 04:29:25 | -8.1% |
| Aditya Birla Sun Life Small Cap Fund | 4,500,000 | 1.31 | 64.73 | 3,910,507 | 2025-12-08 06:36:54 | 15.07% |
| HDFC Large and Mid Cap Fund | 3,725,646 | 0.18 | 53.59 | N/A | N/A | N/A |
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
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: 6.78 (Industry average Stock P/E: 9.67)
- 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 | Contact not found |
| 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 05 February 2026) is ₹157.46 which is 3.59% higher the current market price of ₹152.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹69,161 Cr. market cap, FY2025-2026 high/low of ₹170/92.7, reserves of ₹78,982 Cr, and liabilities of ₹1,092,115 Cr.
What is the Market Cap of Bank of India?
The Market Cap of Bank of India is 69,161 Cr..
What is the current Stock Price of Bank of India as on 05 February 2026?
The current stock price of Bank of India as on 05 February 2026 is ₹152.
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 ₹170/92.7.
What is the Stock P/E of Bank of India?
The Stock P/E of Bank of India is 6.78.
What is the Book Value of Bank of India?
The Book Value of Bank of India is 190.
What is the Dividend Yield of Bank of India?
The Dividend Yield of Bank of India is 2.67 %.
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.