Share Price and Basic Stock Data
Last Updated: December 8, 2025, 1:45 pm
| PEG Ratio | 0.32 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bank of India (BoI) has shown a notable recovery in its revenue trajectory, standing at ₹61,073 Cr for FY 2024, a significant leap from ₹47,932 Cr in FY 2023. This upward momentum continued into the trailing twelve months (TTM), where revenue reached ₹72,729 Cr. The quarterly revenue reports indicate a consistent growth pattern, with the latest quarter (Mar 2025) recording ₹18,479 Cr, up from ₹16,250 Cr in Mar 2024. This trend reflects the bank’s effective strategies in enhancing its lending portfolio and boosting non-interest income. However, the bank’s interest income also surged, reaching ₹46,594 Cr in FY 2025 from ₹27,441 Cr in FY 2023, suggesting a robust demand for credit amid a recovering economy. Overall, these figures indicate that Bank of India is not just stabilizing but actively pursuing growth in a competitive banking landscape.
Profitability and Efficiency Metrics
In terms of profitability, Bank of India has made commendable strides, with net profit rising to ₹9,552 Cr in FY 2025, a substantial increase from ₹3,839 Cr in FY 2023. The bank’s earnings per share (EPS) also reflected this positive trend, reaching ₹20.97, up from ₹9.35 the previous year. These improvements are underscored by a return on equity (ROE) of 12.4%, which appears strong when compared to historical performance and indicates efficient capital utilization. The net profit margin has also improved to 13.09%, showcasing better cost management. However, the cost-to-income ratio, while stable at approximately 50.88%, suggests that there remains room for operational efficiency enhancements. As the bank continues to scale its operations, maintaining a tight rein on expenses will be crucial for sustaining profitability.
Balance Sheet Strength and Financial Ratios
The balance sheet of Bank of India reflects a healthy position, with total assets reported at ₹1,056,425 Cr, up from ₹826,036 Cr in FY 2023. This growth is driven by a significant increase in deposits, which reached ₹819,806 Cr by FY 2025, demonstrating strong customer trust and a solid deposit base. The bank’s reserves also rose sharply to ₹76,172 Cr, providing a cushion for future growth and potential challenges. Moreover, the book value per share has improved to ₹159.01, indicating a stronger equity position. However, the price-to-book (P/B) ratio of 0.67 suggests that the stock may be undervalued compared to its intrinsic worth, which could attract value investors. While these figures present a strong picture, the rise in borrowings, which stood at ₹123,869 Cr, could pose a risk if not managed prudently, especially in a rising interest rate environment.
Shareholding Pattern and Investor Confidence
Investor sentiment towards Bank of India appears relatively positive, as reflected in its shareholding pattern. Promoters hold a substantial 73.38% stake, indicating strong control and commitment to the bank’s strategic direction. Meanwhile, foreign institutional investors (FIIs) have increased their stake to 4.24%, suggesting growing confidence from international investors. Domestic institutional investors (DIIs) also hold a healthy 15.63%, indicating institutional interest in the bank’s prospects. The increasing number of shareholders, which reached approximately 6,95,996, further signifies a growing retail interest in the stock. However, the decline in promoter holding from 81.41% in Dec 2022 to 73.38% in Dec 2023 raises questions about potential dilution of control and the motivations behind these sales. Overall, while the shareholding dynamics appear robust, they warrant close monitoring as they can influence future stock performance.
Outlook, Risks, and Final Insight
Looking ahead, Bank of India is positioned well to leverage its growth momentum, yet several risks loom. The bank’s reliance on interest income could be a double-edged sword, especially if the economic environment shifts or if interest rates continue to rise, potentially affecting loan demand and asset quality. Additionally, while the bank’s profitability metrics are improving, the stability of its net interest margin and cost-to-income ratio will be critical to sustaining this growth. Regulatory changes, macroeconomic factors, and competitive pressures in the banking sector could also pose challenges. For investors, these dynamics suggest a need for careful consideration. While the bank’s strong financials and growth prospects are attractive, the underlying risks necessitate a cautious approach. As always, diversification and thorough research should guide investment decisions in such a fluctuating landscape.
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 | 1,17,023 Cr. | 153 | 160/101 | 6.33 | 165 | 3.10 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,942 Cr. | 29.5 | 50.4/26.8 | 14.7 | 25.9 | 1.32 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,96,754 Cr. | 972 | 999/680 | 11.4 | 617 | 1.64 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,39,881 Cr. | 122 | 128/85.5 | 8.21 | 124 | 2.38 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 20,081 Cr. | 28.3 | 56.3/25.2 | 17.3 | 19.2 | 0.25 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 147,086.38 Cr | 223.54 | 10.04 | 177.23 | 1.93% | 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: 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 - 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 |
|---|---|---|---|---|---|---|
| DSP Mid Cap Fund | 19,384,361 | 1.38 | 271.15 | N/A | N/A | N/A |
| SBI Banking & Financial Services Fund | 18,190,730 | 2.74 | 254.45 | N/A | N/A | N/A |
| Nippon India Growth Mid Cap Fund | 14,500,000 | 0.49 | 202.83 | N/A | N/A | N/A |
| Aditya Birla Sun Life PSU Equity Fund | 14,197,283 | 3.51 | 198.59 | 6,839,613 | 2025-12-08 08:29:22 | 107.57% |
| SBI Contra Fund | 11,926,429 | 0.34 | 166.83 | N/A | N/A | N/A |
| SBI Large & Midcap Fund | 10,000,000 | 0.39 | 139.88 | N/A | N/A | N/A |
| Tata Arbitrage Fund | 7,378,800 | 0.51 | 103.21 | N/A | N/A | N/A |
| Bandhan Large & Mid Cap Fund | 7,153,429 | 0.85 | 100.06 | N/A | N/A | N/A |
| SBI Infrastructure Fund | 7,000,000 | 2.04 | 97.92 | N/A | N/A | N/A |
| Aditya Birla Sun Life Small Cap Fund | 4,500,000 | 1.23 | 62.95 | 3,910,507 | 2025-12-08 06:36:54 | 15.07% |
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: 6.26 (Industry average Stock P/E: 10.04)
- 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%
Fundamental Analysis of Bank of India
| 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. Rajneesh Karnatak | Managing Director & CEO |
| Mr. P R Rajagopal | Executive Director |
| Mr. M Karthikeyan | Executive Director |
| Mr. Swarup Dasgupta | Executive Director |
| Mr. Subrat Kumar | Executive Director |
| Mr. Subrata Das | Nominee Director |
| Mrs. Veni Thapar | Shareholder Director |
| Mr. V V Shenoy | Shareholder Director |
| Dr. Bhushan Kumar Sinha | Government Nominee Director |
| Mr. Munish Kumar Ralhan | Part Time Non Official Director |
Bank of India Share Price Update | |
|---|---|
| Share Price | Value |
| Today | ₹123.25 |
| Previous Day | ₹124.40 |
FAQ
What is the intrinsic value of Bank of India?
Bank of India's intrinsic value (as of 08 December 2025) is 116.93 which is 15.27% lower the current market price of 138.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 62,781 Cr. market cap, FY2025-2026 high/low of 151/90.0, 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 62,781 Cr..
What is the current Stock Price of Bank of India as on 08 December 2025?
The current stock price of Bank of India as on 08 December 2025 is 138.
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 151/90.0.
What is the Stock P/E of Bank of India?
The Stock P/E of Bank of India is 6.26.
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 2.89 %.
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.