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Last Updated on: 12 March, 2025
Author: Getaka|Social: Getaka Financial Technology X (Earlier Twitter) Profile Getaka Financial Technology LinkedIn Logo

Bank of India: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: March 9, 2025, 8:17 pm

Market Cap 44,348 Cr.
Current Price 97.4
High / Low 158/90.0
Stock P/E5.21
Book Value 0.00
Dividend Yield2.87 %
ROCE34.7 %
ROE9.98 %
Face Value 10.0
PEG Ratio0.00

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Bank of India

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 89,909 Cr. 118 172/1015.50 1473.06 %6.55 %15.6 % 10.0
UCO Bank 44,763 Cr. 37.4 62.4/34.019.3 24.00.75 %5.34 %6.22 % 10.0
State Bank of India (SBI) 6,53,952 Cr. 733 912/6808.24 5381.87 %6.16 %17.3 % 1.00
Punjab National Bank 1,04,781 Cr. 91.2 143/85.56.22 1141.65 %5.46 %8.54 % 2.00
Punjab & Sind Bank 28,229 Cr. 41.6 73.6/37.033.5 17.40.48 %5.59 %3.88 % 10.0
Industry Average112,242.31 Cr165.3511.5796.471.95%22.60%12.68%7.46

All Competitor Stocks of Bank of India

Quarterly Result

MetricDec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Revenue9,4239,90310,04311,54512,79613,54814,44215,06215,31916,25017,04617,46618,317
Interest 5,9875,8885,9156,4337,1447,9488,4679,2569,79210,24210,69311,40312,166
Expenses 3,5574,7014,4095,3135,2916,5904,5794,5464,1906,0415,2695,4564,485
Financing Profit-122-685-281-201360-9901,3961,2601,337-331,0846071,666
Financing Margin %-1%-7%-3%-2%3%-7%10%8%9%-0%6%3%9%
Other Income 1,8471,6501,1651,4561,4223,1681,4841,7171,2021,8301,3382,5321,780
Depreciation 0000000000000
Profit before tax 1,7269658841,2551,7822,1782,8802,9772,5391,7972,4223,1383,447
Tax % 43%33%34%40%35%36%48%50%25%17%28%24%26%
Net Profit 9926876598539151,4131,5621,4991,9311,5741,8902,4222,638
EPS in Rs 2.431.681.602.082.233.443.813.654.243.464.155.325.79
Gross NPA %
Net NPA %

Last Updated: March 3, 2025, 5:20 pm

Below is a detailed analysis of the quarterly data for Bank of India based on the most recent figures (Dec 2024) and their trends compared to the previous period:

  • For Interest, as of Dec 2024, the value is ₹12,166.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 11,403.00 Cr. (Sep 2024) to ₹12,166.00 Cr., marking an increase of ₹763.00 Cr..
  • For Expenses, as of Dec 2024, the value is ₹4,485.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 5,456.00 Cr. (Sep 2024) to ₹4,485.00 Cr., marking a decrease of 971.00 Cr..
  • For Other Income, as of Dec 2024, the value is ₹1,780.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,532.00 Cr. (Sep 2024) to ₹1,780.00 Cr., marking a decrease of 752.00 Cr..
  • For Depreciation, as of Dec 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
  • For Profit before tax, as of Dec 2024, the value is ₹3,447.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,138.00 Cr. (Sep 2024) to ₹3,447.00 Cr., marking an increase of ₹309.00 Cr..
  • For Tax %, as of Dec 2024, the value is 26.00%. The value appears to be increasing, which may not be favorable. It has increased from 24.00% (Sep 2024) to 26.00%, marking an increase of 2.00%.
  • For Net Profit, as of Dec 2024, the value is ₹2,638.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,422.00 Cr. (Sep 2024) to ₹2,638.00 Cr., marking an increase of ₹216.00 Cr..
  • For EPS in Rs, as of Dec 2024, the value is 5.79. The value appears strong and on an upward trend. It has increased from ₹5.32 (Sep 2024) to 5.79, marking an increase of ₹0.47.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 7, 2025, 9:06 pm

MetricMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024TTM
Revenue32,09638,12543,68542,09339,58538,31341,00542,59140,85438,28147,93261,07369,079
Interest 22,96027,17032,22030,24527,60627,67927,20727,19126,42124,08327,44137,75744,503
Expenses 9,71411,47313,60019,84221,21824,61826,87426,38617,67216,26321,17718,84821,252
Financing Profit-579-518-2,135-7,994-9,239-13,984-13,076-10,987-3,239-2,065-6864,4693,324
Financing Margin %-2%-1%-5%-19%-23%-36%-32%-26%-8%-5%-1%7%5%
Other Income 3,7854,3194,2783,6726,8195,8464,8626,6876,7788,0927,1686,4157,480
Depreciation 189234291290-75223733923803724275090
Profit before tax 3,0173,5671,852-4,612-2,412-8,660-8,587-4,6923,1605,6556,05610,37510,804
Tax % 9%23%6%37%-34%-30%-37%-35%34%38%37%37%
Net Profit 2,8182,9882,015-6,276-1,492-5,982-5,426-3,0512,0813,4873,8396,5678,524
EPS in Rs 47.3246.5030.27-75.98-13.94-34.20-19.67-9.316.368.519.3514.4218.72
Dividend Payout % 21%11%17%0%0%0%0%0%0%24%21%19%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2013-20142014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-2024
YoY Net Profit Growth (%)6.03%-32.56%-411.46%76.23%-300.94%9.29%43.77%168.21%67.56%10.09%71.06%
Change in YoY Net Profit Growth (%)0.00%-38.60%-378.90%487.69%-377.17%310.23%34.48%124.44%-100.64%-57.47%60.97%

Bank of India has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:5%
5 Years:8%
3 Years:14%
TTM:18%
Compounded Profit Growth
10 Years:8%
5 Years:26%
3 Years:48%
TTM:33%
Stock Price CAGR
10 Years:-8%
5 Years:21%
3 Years:25%
1 Year:-32%
Return on Equity
10 Years:-1%
5 Years:5%
3 Years:8%
Last Year:10%

Last Updated: Unknown

Balance Sheet

Last Updated: Unknown

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Equity Capital 5976436668171,0551,7442,7603,2783,2784,1044,1044,553
Reserves 23,87430,13131,85732,52832,57435,01344,89241,79546,70352,41856,32966,028
Borrowings 418,500527,123574,581566,826581,844566,595566,820597,139661,562656,802737,209821,572
Other Liabilities 13,35120,12618,04616,45716,55311,83316,40920,80521,24429,80728,39332,127
Total Liabilities 456,323578,022625,150616,628632,026615,184630,881663,017732,786743,131826,036924,280
Fixed Assets 2,8075,6785,8028,3828,3498,1928,7998,7658,6379,5709,95010,178
CWIP 94143113191197158200293364286110150
Investments 96,388116,490123,196122,621130,751140,321150,905162,323191,693180,274211,324234,592
Other Assets 357,034455,712496,040485,435492,729466,513470,977491,636532,092553,001604,652679,361
Total Assets 456,323578,022625,150616,628632,026615,184630,881663,017732,786743,131826,036924,280

Below is a detailed analysis of the balance sheet data for Bank of India based on the most recent figures (Mar 2024) and their trends compared to the previous period:

  • For Equity Capital, as of Mar 2024, the value is ₹4,553.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹4,104.00 Cr. (Mar 2023) to ₹4,553.00 Cr., marking an increase of 449.00 Cr..
  • For Reserves, as of Mar 2024, the value is ₹66,028.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹56,329.00 Cr. (Mar 2023) to ₹66,028.00 Cr., marking an increase of 9,699.00 Cr..
  • For Borrowings, as of Mar 2024, the value is ₹821,572.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from ₹737,209.00 Cr. (Mar 2023) to ₹821,572.00 Cr., marking an increase of 84,363.00 Cr..
  • For Other Liabilities, as of Mar 2024, the value is ₹32,127.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹28,393.00 Cr. (Mar 2023) to ₹32,127.00 Cr., marking an increase of 3,734.00 Cr..
  • For Total Liabilities, as of Mar 2024, the value is ₹924,280.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹826,036.00 Cr. (Mar 2023) to ₹924,280.00 Cr., marking an increase of 98,244.00 Cr..
  • For Fixed Assets, as of Mar 2024, the value is ₹10,178.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹9,950.00 Cr. (Mar 2023) to ₹10,178.00 Cr., marking an increase of 228.00 Cr..
  • For CWIP, as of Mar 2024, the value is ₹150.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹110.00 Cr. (Mar 2023) to ₹150.00 Cr., marking an increase of 40.00 Cr..
  • For Investments, as of Mar 2024, the value is ₹234,592.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹211,324.00 Cr. (Mar 2023) to ₹234,592.00 Cr., marking an increase of 23,268.00 Cr..
  • For Other Assets, as of Mar 2024, the value is ₹679,361.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹604,652.00 Cr. (Mar 2023) to ₹679,361.00 Cr., marking an increase of 74,709.00 Cr..
  • For Total Assets, as of Mar 2024, the value is ₹924,280.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹826,036.00 Cr. (Mar 2023) to ₹924,280.00 Cr., marking an increase of 98,244.00 Cr..

However, the Borrowings (821,572.00 Cr.) are higher than the Reserves (₹66,028.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

No data available for this post.

Free Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Free Cash Flow-409.00-516.00-561.00-547.00-560.00-542.00-540.00-571.00-644.00-640.00-716.00-803.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
ROE %12%11%6%-19%-4%-17%-14%-7%4%6%6%10%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthDec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
Promoters81.41%81.41%81.41%81.41%81.41%81.41%81.41%81.41%73.38%73.38%73.38%73.38%
FIIs0.78%0.72%0.75%1.12%2.23%2.67%2.25%2.92%4.31%4.52%3.61%3.21%
DIIs11.25%11.07%11.14%10.84%10.56%10.36%9.90%9.55%14.65%15.82%15.46%16.26%
Public6.55%6.80%6.70%6.64%5.80%5.57%6.44%6.11%7.65%6.27%7.55%7.13%
No. of Shareholders4,98,5735,12,5525,09,5834,98,7404,71,4834,77,5684,97,9105,16,2025,77,9926,17,2387,05,5996,92,229

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Aditya Birla Sun Life Pure Value Fund7,063,9911.5977.284,973,0532025-03-1142.05%
Aditya Birla Sun Life Banking And Financial Services Fund6,996,3132.6476.544,973,0532025-03-1140.68%
Aditya Birla Sun Life PSU Equity Fund6,839,6135.2774.834,973,0532025-03-1137.53%
Nippon India ETF Nifty PSU Bank BeES6,788,4324.4174.274,973,0532025-03-1136.5%
Kotak Nifty PSU Bank ETF4,973,0534.4254.414,973,0532025-03-110%
Aditya Birla Sun Life Small Cap Fund3,910,5070.9242.784,973,0532025-03-11-21.37%
SBI PSU Fund3,000,0003.932.824,973,0532025-03-11-39.67%
Aditya Birla Sun Life Dividend Yield Fund1,606,2481.7117.574,973,0532025-03-11-67.7%
Sundaram Mid Cap Fund1,000,0000.1210.944,973,0532025-03-11-79.89%
Sundaram Mid Cap Fund - Institutional Plan1,000,0000.1210.944,973,0532025-03-11-79.89%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.) 15.489.359.076.36-9.39
Diluted EPS (Rs.) 15.489.359.076.35-9.39
Cash EPS (Rs.) 15.1410.509.207.87-7.74
Book Value[Excl.RevalReserv]/Share (Rs.) 139.91130.30120.70124.10118.08
Book Value[Incl.RevalReserv]/Share (Rs.) 155.01147.24137.71143.33137.52
Operating Revenue / Share (Rs.)134.13116.7893.27124.64129.94
Net Profit / Share (Rs.) 14.029.468.306.71-8.94
Net Profit After MI / Share (Rs.)14.429.358.516.35-9.31
Net Profit Margin (%) 10.458.098.895.38-6.87
Net Profit After MI And SOA Nargin (%)10.748.009.125.09-7.16
Operating Profit Margin (%)0.24-6.94-12.02-12.96-22.86
Return On Assets (%) 0.710.460.460.28-0.46
Return On Equity / Networth (%)10.307.177.045.12-7.88
Net Interest Margin (X)2.522.481.911.962.32
Cost To Income (%)51.7951.8854.8050.1947.78
Interest Income / Total Assets (%)6.605.805.155.576.42
Non-Interest Income / Total Assets (%)0.670.871.071.021.02
Operating Profit / Total Assets (%)0.01-0.40-0.61-0.72-1.46
Operating Expenses / Total Assets (%)1.651.741.631.501.60
Interest Expenses / Total Assets (%)4.083.323.243.604.10
Enterprise Value (Rs.Cr.)845059.44723548.52635089.78622871.03578262.81
EV Per Net Sales (X)13.8415.1016.5915.2513.58
Price To Book Value (X)0.970.570.370.540.27
Price To Sales (X)1.020.640.490.540.24
Retention Ratios (%) 87.4978.61100.00100.00100.00
Earnings Yield (X)0.100.120.180.09-0.28

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.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Error: Data is incomplete for fair value calculation.

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:
    1. Net Profit Margin: 10.45%
      • 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.
    2. ROCE: 0% (Industry Average ROCE: 22.6%)
      • 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.
    3. ROE%: 0% (Industry Average ROE: 12.68%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. 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.
    5. 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.
    6. Stock P/E: 5.21 (Industry average Stock P/E: 11.57)
      • 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.
    7. 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. 60709.49 Cr. and Equity Capital is Rs. 4553.41 Cr. for the Year ended 31/03/2024.
INDUSTRYADDRESSCONTACT
Finance - Banks - Public SectorStar House, C-5, `G' Block, Mumbai Maharashtra 400051headoffice.share@bankofindia.co.in
http://www.bankofindia.co.in
Management
NamePosition Held
Mr. M R KumarNon Executive Chairman
Mr. Rajneesh KarnatakManaging Director & CEO
Mr. P R RajagopalExecutive Director
Mr. M KarthikeyanExecutive Director
Mr. Rajiv MishraExecutive Director
Mr. Subrat KumarExecutive Director
Mrs. Veni ThaparShareholder Director
Mr. V V ShenoyShareholder Director
Mr. Munish Kumar RalhanPart Time Non Official Director
Dr. Bhushan Kumar SinhaGovernment Nominee Director
Mr. Ashok NarainNominee Director

FAQ

What is the latest intrinsic value of Bank of India?

The latest intrinsic value of Bank of India as on 11 March 2025 is ₹65.95, which is 32.29% lower than the current market price of 97.40, indicating the stock is overvalued by 32.29%. The intrinsic value of Bank of India is calculated using PE ratio method. The stock has a market capitalization of ₹44,348 Cr. and recorded a high/low of ₹158/90.0 during the current fiscal year 2024-2025. As of Mar 2024, the company has reserves of ₹66,028 Cr and total liabilities of ₹924,280 Cr.

What is the Market Cap of Bank of India?

The Market Cap of Bank of India is 44,348 Cr..

What is the current Stock Price of Bank of India as on 11 March 2025?

The current stock price of Bank of India as on 11 March 2025 is ₹97.4.

What is the High / Low of Bank of India stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of Bank of India stocks is ₹158/90.0.

What is the Stock P/E of Bank of India?

The Stock P/E of Bank of India is 5.21.

What is the Book Value of Bank of India?

The Book Value of Bank of India is 0.00.

What is the Dividend Yield of Bank of India?

The Dividend Yield of Bank of India is 2.87 %.

What is the ROCE of Bank of India?

The ROCE of Bank of India is 34.7 %.

What is the ROE of Bank of India?

The ROE of Bank of India is 9.98 %.

What is the Face Value of Bank of India?

The Face Value of Bank of India is 10.0.

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