Share Price and Basic Stock Data
Last Updated: January 22, 2026, 5:36 pm
| PEG Ratio | 0.21 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Central Bank of India operates in the public sector finance industry, with a current market capitalization of ₹33,354 Cr. The bank’s stock price stood at ₹36.80, reflecting its performance amidst fluctuating market conditions. Revenue trends show a consistent upward trajectory, with reported revenues for the Jun 2023 quarter at ₹7,259 Cr, rising to ₹7,377 Cr in Sep 2023 and projected to further increase to ₹8,371 Cr by Mar 2024. The trailing twelve months (TTM) revenue reached ₹34,595 Cr, indicating a positive growth trend compared to ₹25,657 Cr recorded in Mar 2023. This growth aligns with broader trends in the banking sector, where digital transformation and improved customer service have driven revenue increases. The bank’s interest income also rose, reaching ₹4,338 Cr in Sep 2023, reflecting effective asset management and lending practices. With total assets reported at ₹504,923 Cr as of Sep 2025, Central Bank of India appears well-positioned to capitalize on growing financial demands in the Indian economy.
Profitability and Efficiency Metrics
Central Bank of India reported a net profit of ₹4,591 Cr for the period, demonstrating significant improvement from previous years. The bank’s return on equity (ROE) stood at 11.4%, indicating effective utilization of equity investments to generate earnings. Profitability metrics have shown a steady increase, with net profit margins improving to 11.29% in Mar 2025 from 6.27% in Mar 2023. This reflects better operational efficiency and cost management. However, the bank’s return on capital employed (ROCE) was recorded at 5.48%, which is relatively low compared to industry benchmarks, indicating room for improvement in generating returns from capital investments. The financing profit figures, while showing fluctuations, reported a marginal improvement in profitability margins, with a financing margin of -1% in Mar 2025. The bank’s ability to enhance profitability in the face of rising expenses, which stood at ₹14,314 Cr for Mar 2025, remains a critical area for ongoing development.
Balance Sheet Strength and Financial Ratios
The balance sheet of Central Bank of India showcases a solid foundation, with total liabilities recorded at ₹504,923 Cr and total assets at the same figure, reflecting a balanced financial position. The bank’s reserves have grown to ₹29,484 Cr as of Sep 2025, indicating a strong capital base to support future growth. The bank’s equity capital stood at ₹9,051 Cr, with a book value per share of ₹36.41, suggesting a healthy asset-to-equity ratio. Financial ratios reveal a price-to-earnings (P/E) ratio of 6.97, indicating that the stock is relatively undervalued compared to historical averages. The net interest margin was reported at 2.90, which is consistent with sector norms but leaves limited room for error in interest rate fluctuations. Additionally, the cost-to-income ratio of 58.79% indicates that the bank is managing its operational costs effectively, although it remains slightly on the higher side compared to the typical banking sector range.
Shareholding Pattern and Investor Confidence
Investor confidence in Central Bank of India is reflected in its shareholding pattern, where promoters hold 89.27% of the equity as of Mar 2025, a decrease from previous periods. Foreign institutional investors (FIIs) account for 0.88%, while domestic institutional investors (DIIs) hold 4.86%. The increase in DII participation from 2.88% in Dec 2022 to 5.87% in Mar 2025 signals growing institutional confidence in the bank’s recovery trajectory. The number of shareholders has also steadily increased, reaching 721,272 by Sep 2025, indicating rising retail investor interest. However, the concentration of promoter holdings may pose risks regarding governance and decision-making, especially if minority shareholders feel sidelined. The bank’s ability to maintain robust communication and transparency with its investors will be crucial in sustaining this confidence and ensuring continued support for its growth strategies.
Outlook, Risks, and Final Insight
The outlook for Central Bank of India appears cautiously optimistic, driven by improving profitability metrics and a solid revenue growth trajectory. However, the bank faces several risks, including fluctuating interest rates and potential increases in non-performing assets (NPAs), which stood at a gross NPA ratio of 3.02% in Sep 2025. Additionally, the ongoing digital transformation in banking requires continuous investment, which could pressure profitability if not managed effectively. Strengths include a strong capital base and improving operational efficiencies, which provide a buffer against economic volatility. Moving forward, Central Bank of India must focus on enhancing its asset quality and managing operational costs to sustain growth. Strategic investments in technology and customer service enhancements will be vital in navigating competitive pressures and maintaining its market position.
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 | 1,33,168 Cr. | 174 | 183/104 | 7.14 | 172 | 2.70 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,427 Cr. | 29.0 | 44.8/26.8 | 13.9 | 26.5 | 1.32 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,49,507 Cr. | 1,029 | 1,052/680 | 12.1 | 617 | 1.55 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,43,834 Cr. | 125 | 135/85.5 | 8.08 | 130 | 2.32 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,703 Cr. | 27.8 | 50.5/25.2 | 16.2 | 19.6 | 0.25 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 156,653.69 Cr | 242.05 | 10.08 | 180.98 | 1.82% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 6,184 | 6,746 | 7,171 | 7,259 | 7,377 | 7,842 | 8,371 | 8,367 | 8,235 | 8,542 | 8,653 | 8,623 | 8,777 |
| Interest | 3,421 | 3,444 | 3,643 | 4,062 | 4,338 | 4,672 | 4,811 | 4,801 | 4,807 | 4,984 | 5,238 | 5,222 | 5,476 |
| Expenses | 3,039 | 3,401 | 4,043 | 3,118 | 3,534 | 3,377 | 3,561 | 3,920 | 3,500 | 3,373 | 4,067 | 3,395 | 3,328 |
| Financing Profit | -276 | -99 | -514 | 79 | -495 | -207 | -1 | -354 | -71 | 185 | -652 | 6 | -28 |
| Financing Margin % | -4% | -1% | -7% | 1% | -7% | -3% | -0% | -4% | -1% | 2% | -8% | 0% | -0% |
| Other Income | 909 | 919 | 1,424 | 959 | 1,062 | 1,329 | 1,363 | 1,166 | 1,649 | 1,232 | 1,823 | 1,872 | 1,507 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 633 | 820 | 910 | 1,038 | 567 | 1,122 | 1,363 | 812 | 1,578 | 1,418 | 1,171 | 1,878 | 1,479 |
| Tax % | 49% | 43% | 37% | 59% | -7% | 35% | 40% | -9% | 42% | 32% | 11% | 33% | 18% |
| Net Profit | 344 | 476 | 592 | 498 | 623 | 738 | 817 | 945 | 926 | 966 | 1,106 | 1,284 | 1,234 |
| EPS in Rs | 0.39 | 0.55 | 0.68 | 0.57 | 0.72 | 0.85 | 0.94 | 1.09 | 1.06 | 1.11 | 1.22 | 1.42 | 1.36 |
| Gross NPA % | 9.64% | 8.83% | 8.41% | 4.95% | 4.61% | 4.50% | 4.50% | 4.54% | 4.59% | 3.87% | 3.18% | 3.14% | 3.02% |
| Net NPA % | 2.95% | 2.09% | 1.77% | 1.75% | 1.64% | 1.28% | 1.24% | 0.75% | 0.70% | 0.61% | 0.56% | 0.50% | 0.49% |
Last Updated: January 2, 2026, 3:31 am
Below is a detailed analysis of the quarterly data for Central Bank of India based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 5,476.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 5,222.00 Cr. (Jun 2025) to 5,476.00 Cr., marking an increase of 254.00 Cr..
- For Expenses, as of Sep 2025, the value is 3,328.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 3,395.00 Cr. (Jun 2025) to 3,328.00 Cr., marking a decrease of 67.00 Cr..
- For Other Income, as of Sep 2025, the value is 1,507.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,872.00 Cr. (Jun 2025) to 1,507.00 Cr., marking a decrease of 365.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 1,479.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,878.00 Cr. (Jun 2025) to 1,479.00 Cr., marking a decrease of 399.00 Cr..
- For Tax %, as of Sep 2025, the value is 18.00%. The value appears to be improving (decreasing) as expected. It has decreased from 33.00% (Jun 2025) to 18.00%, marking a decrease of 15.00%.
- For Net Profit, as of Sep 2025, the value is 1,234.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,284.00 Cr. (Jun 2025) to 1,234.00 Cr., marking a decrease of 50.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 1.36. The value appears to be declining and may need further review. It has decreased from 1.42 (Jun 2025) to 1.36, marking a decrease of 0.06.
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, 5:31 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 | 24,478 | 26,476 | 25,988 | 24,775 | 24,163 | 22,749 | 23,676 | 22,830 | 22,903 | 25,657 | 30,849 | 33,797 | 34,595 |
| Interest | 17,963 | 19,200 | 18,889 | 18,166 | 17,603 | 15,935 | 16,005 | 14,543 | 13,361 | 13,905 | 17,882 | 19,830 | 20,919 |
| Expenses | 9,489 | 8,620 | 11,529 | 12,744 | 14,015 | 14,580 | 12,135 | 12,419 | 10,477 | 12,778 | 13,099 | 14,314 | 14,164 |
| Financing Profit | -2,974 | -1,344 | -4,430 | -6,136 | -7,455 | -7,766 | -4,464 | -4,133 | -934 | -1,026 | -133 | -346 | -489 |
| Financing Margin % | -12% | -5% | -17% | -25% | -31% | -34% | -19% | -18% | -4% | -4% | -0% | -1% | -1% |
| Other Income | 1,931 | 1,900 | 2,019 | 2,871 | 2,620 | 2,416 | 3,622 | 2,994 | 2,986 | 4,164 | 4,814 | 5,996 | 6,434 |
| Depreciation | 209 | 230 | 240 | 258 | 260 | 278 | 285 | 293 | 297 | 386 | 500 | 558 | 0 |
| Profit before tax | -1,252 | 327 | -2,651 | -3,523 | -5,096 | -5,628 | -1,127 | -1,431 | 1,755 | 2,752 | 4,181 | 5,092 | 5,945 |
| Tax % | 0% | -89% | -47% | -31% | 0% | 0% | 0% | -30% | 38% | 39% | 36% | 23% | |
| Net Profit | -1,209 | 670 | -1,392 | -2,457 | -5,134 | -5,611 | -1,252 | -995 | 1,083 | 1,688 | 2,677 | 3,943 | 4,591 |
| EPS in Rs | -8.99 | 4.02 | -8.26 | -12.93 | -19.63 | -13.88 | -2.20 | -1.70 | 1.24 | 1.93 | 3.07 | 4.35 | 5.11 |
| Dividend Payout % | 0% | 12% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 4% |
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 (%) | 155.42% | -307.76% | -76.51% | -108.95% | -9.29% | 77.69% | 20.53% | 208.84% | 55.86% | 58.59% | 47.29% |
| Change in YoY Net Profit Growth (%) | 0.00% | -463.18% | 231.25% | -32.45% | 99.66% | 86.98% | -57.16% | 188.32% | -152.98% | 2.73% | -11.30% |
Central 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: | 2% |
| 5 Years: | 7% |
| 3 Years: | 14% |
| TTM: | 7% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 20% |
| 5 Years: | 39% |
| 3 Years: | 55% |
| TTM: | 35% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -7% |
| 5 Years: | 15% |
| 3 Years: | 22% |
| 1 Year: | -41% |
| Return on Equity | |
|---|---|
| 10 Years: | -3% |
| 5 Years: | 6% |
| 3 Years: | 9% |
| Last Year: | 11% |
Last Updated: September 5, 2025, 1:40 am
Balance Sheet
Last Updated: December 4, 2025, 1:05 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 | 1,350 | 1,658 | 1,690 | 1,902 | 2,618 | 4,047 | 5,710 | 5,876 | 8,681 | 8,681 | 8,681 | 9,051 | 9,051 |
| Reserves | 13,043 | 16,077 | 16,818 | 16,309 | 15,592 | 15,349 | 15,827 | 20,621 | 18,868 | 20,536 | 23,693 | 27,830 | 29,484 |
| Deposits | 246,866 | 262,263 | 266,686 | 297,309 | 295,354 | 300,311 | 314,201 | 330,328 | 343,165 | 359,775 | 385,541 | 413,271 | 445,053 |
| Borrowing | 17,232 | 19,777 | 9,503 | 9,623 | 6,026 | 5,640 | 6,076 | 5,760 | 7,663 | 8,334 | 20,013 | 21,820 | 12,399 |
| Other Liabilities | 11,603 | 12,991 | 11,924 | 9,551 | 7,759 | 6,538 | 15,337 | 7,390 | 8,915 | 9,754 | 9,844 | 8,485 | 8,936 |
| Total Liabilities | 290,095 | 312,766 | 306,621 | 334,695 | 327,349 | 331,885 | 357,151 | 369,974 | 387,292 | 407,080 | 447,772 | 480,457 | 504,923 |
| Fixed Assets | 2,814 | 2,843 | 4,369 | 4,300 | 4,353 | 4,320 | 4,346 | 5,142 | 4,964 | 4,786 | 5,345 | 5,214 | 5,037 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 86,262 | 89,921 | 89,087 | 92,277 | 102,769 | 125,453 | 142,526 | 148,518 | 140,775 | 136,569 | 144,010 | 141,652 | 160,576 |
| Other Assets | 201,018 | 220,001 | 213,165 | 238,118 | 220,227 | 202,112 | 210,279 | 216,315 | 241,553 | 265,725 | 298,416 | 333,591 | 339,310 |
| Total Assets | 290,095 | 312,766 | 306,621 | 334,695 | 327,349 | 331,885 | 357,151 | 369,974 | 387,292 | 407,080 | 447,772 | 480,457 | 504,923 |
Below is a detailed analysis of the balance sheet data for Central 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 9,051.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 9,051.00 Cr..
- For Reserves, as of Sep 2025, the value is 29,484.00 Cr.. The value appears strong and on an upward trend. It has increased from 27,830.00 Cr. (Mar 2025) to 29,484.00 Cr., marking an increase of 1,654.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 8,936.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 8,485.00 Cr. (Mar 2025) to 8,936.00 Cr., marking an increase of 451.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 504,923.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 480,457.00 Cr. (Mar 2025) to 504,923.00 Cr., marking an increase of 24,466.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 5,037.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5,214.00 Cr. (Mar 2025) to 5,037.00 Cr., marking a decrease of 177.00 Cr..
- For CWIP, as of Sep 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 Investments, as of Sep 2025, the value is 160,576.00 Cr.. The value appears strong and on an upward trend. It has increased from 141,652.00 Cr. (Mar 2025) to 160,576.00 Cr., marking an increase of 18,924.00 Cr..
- For Other Assets, as of Sep 2025, the value is 339,310.00 Cr.. The value appears strong and on an upward trend. It has increased from 333,591.00 Cr. (Mar 2025) to 339,310.00 Cr., marking an increase of 5,719.00 Cr..
- For Total Assets, as of Sep 2025, the value is 504,923.00 Cr.. The value appears strong and on an upward trend. It has increased from 480,457.00 Cr. (Mar 2025) to 504,923.00 Cr., marking an increase of 24,466.00 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 | -237.00 | -254.00 | -255.00 | -285.00 | -281.00 | -286.00 | -302.00 | -318.00 | -333.00 | -347.00 | -372.00 | -399.00 |
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 % | -9% | 4% | -8% | -13% | -28% | -30% | -6% | -4% | 4% | 6% | 9% | 11% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Nippon India ETF Nifty PSU Bank BeES | 5,290,774 | 1.61 | 27.14 | 5,290,774 | 2025-04-22 17:25:39 | 0% |
| Kotak Nifty PSU Bank ETF | 3,875,902 | 1.61 | 19.88 | 3,875,902 | 2025-04-22 17:25:39 | 0% |
| Nippon India Nifty Smallcap 250 Index Fund | 347,231 | 0.26 | 1.78 | 347,231 | 2025-04-22 17:25:39 | 0% |
| Motilal Oswal Nifty Smallcap 250 Index Fund | 218,262 | 0.26 | 1.12 | 218,262 | 2025-04-22 17:25:39 | 0% |
| SBI Nifty Smallcap 250 Index Fund | 158,600 | 0.26 | 0.81 | 158,600 | 2025-04-22 17:25:39 | 0% |
| Shriram Flexi Cap Fund | 117,120 | 0.98 | 0.6 | 117,120 | 2025-04-22 17:25:39 | 0% |
| ICICI Prudential Nifty Smallcap 250 Index Fund | 86,080 | 0.26 | 0.44 | 86,080 | 2025-04-22 17:25:39 | 0% |
| DSP Nifty PSU Bank ETF | 59,685 | 1.61 | 0.31 | 59,685 | 2025-04-22 17:25:39 | 0% |
| ICICI Prudential Nifty PSU Bank ETF | 41,622 | 1.61 | 0.21 | 41,622 | 2025-04-22 17:25:39 | 0% |
| HDFC NIFTY Smallcap 250 ETF | 39,304 | 0.26 | 0.2 | 39,304 | 2025-04-22 17:25:39 | 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.) | 4.53 | 3.07 | 1.93 | 1.31 | -1.73 |
| Diluted EPS (Rs.) | 4.53 | 3.07 | 1.93 | 1.31 | -1.73 |
| Cash EPS (Rs.) | 4.83 | 3.54 | 2.30 | 1.57 | -0.99 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 36.41 | 32.59 | 29.45 | 27.46 | 30.47 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 40.75 | 37.29 | 33.66 | 31.73 | 36.93 |
| Operating Revenue / Share (Rs.) | 37.34 | 35.54 | 29.56 | 26.38 | 38.85 |
| Net Profit / Share (Rs.) | 4.22 | 2.97 | 1.85 | 1.23 | -1.50 |
| Net Profit After MI / Share (Rs.) | 4.35 | 3.07 | 1.93 | 1.24 | -1.70 |
| Net Profit Margin (%) | 11.29 | 8.35 | 6.27 | 4.64 | -3.84 |
| Net Profit After MI And SOA Nargin (%) | 11.64 | 8.64 | 6.54 | 4.69 | -4.38 |
| Operating Profit Margin (%) | 19.24 | 14.57 | 10.16 | 8.50 | -7.67 |
| Return On Assets (%) | 0.81 | 0.59 | 0.41 | 0.27 | -0.27 |
| Return On Equity / Networth (%) | 11.93 | 9.42 | 6.56 | 4.51 | -5.58 |
| Net Interest Margin (X) | 2.90 | 2.89 | 2.88 | 2.46 | 2.23 |
| Cost To Income (%) | 58.79 | 58.11 | 56.26 | 58.17 | 59.38 |
| Interest Income / Total Assets (%) | 7.03 | 6.88 | 6.30 | 5.91 | 6.17 |
| Non-Interest Income / Total Assets (%) | 1.22 | 1.05 | 1.00 | 0.76 | 0.85 |
| Operating Profit / Total Assets (%) | -0.42 | -0.47 | -0.60 | -0.49 | -1.09 |
| Operating Expenses / Total Assets (%) | 2.42 | 2.29 | 2.18 | 1.87 | 1.83 |
| Interest Expenses / Total Assets (%) | 4.12 | 3.99 | 3.41 | 3.44 | 3.93 |
| Enterprise Value (Rs.Cr.) | 450790.58 | 434493.52 | 361649.26 | 328723.69 | 313506.42 |
| EV Per Net Sales (X) | 13.34 | 14.08 | 14.10 | 14.35 | 13.73 |
| Price To Book Value (X) | 1.17 | 1.83 | 0.82 | 0.66 | 0.53 |
| Price To Sales (X) | 1.14 | 1.68 | 0.81 | 0.69 | 0.42 |
| Retention Ratios (%) | 95.68 | 100.00 | 100.00 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.10 | 0.05 | 0.08 | 0.06 | -0.10 |
After reviewing the key financial ratios for Central 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 4.53. This value is below the healthy minimum of 5. It has increased from 3.07 (Mar 24) to 4.53, marking an increase of 1.46.
- For Diluted EPS (Rs.), as of Mar 25, the value is 4.53. This value is below the healthy minimum of 5. It has increased from 3.07 (Mar 24) to 4.53, marking an increase of 1.46.
- For Cash EPS (Rs.), as of Mar 25, the value is 4.83. This value is within the healthy range. It has increased from 3.54 (Mar 24) to 4.83, marking an increase of 1.29.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 36.41. It has increased from 32.59 (Mar 24) to 36.41, marking an increase of 3.82.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 40.75. It has increased from 37.29 (Mar 24) to 40.75, marking an increase of 3.46.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 4.22. This value is within the healthy range. It has increased from 2.97 (Mar 24) to 4.22, marking an increase of 1.25.
- For Net Profit Margin (%), as of Mar 25, the value is 11.29. This value exceeds the healthy maximum of 10. It has increased from 8.35 (Mar 24) to 11.29, marking an increase of 2.94.
- For Return On Assets (%), as of Mar 25, the value is 0.81. This value is below the healthy minimum of 5. It has increased from 0.59 (Mar 24) to 0.81, marking an increase of 0.22.
- For Retention Ratios (%), as of Mar 25, the value is 95.68. This value exceeds the healthy maximum of 70. It has decreased from 100.00 (Mar 24) to 95.68, marking a decrease of 4.32.
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 Central Bank of India:
- Net Profit Margin: 11.29%
- 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: 6.98 (Industry average Stock P/E: 10.08)
- 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: 11.29%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Public Sector | 9th Floor, Chandermukhi Building, Mumbai Maharashtra 400021 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. M V Rao | Managing Director & CEO |
| Mr. M V Murali Krishna | Executive Director |
| Mr. Vivek Wahi | Executive Director |
| Mr. Mahendra Dohare | Executive Director |
| Mr. Pradip Pranlal Khimani | Part Time Non Official Director |
| Mr. Priavrat Sharma | Part Time Non Official Director |
| Mr. Sarada Kumar Hota | Shareholder Director |
| Mr. Hardik Mukesh Sheth | Government Nominee Director |
| Mr. Manoranjan Dash | Nominee Director |
FAQ
What is the intrinsic value of Central Bank of India?
Central Bank of India's intrinsic value (as of 22 January 2026) is ₹37.43 which is 0.62% higher the current market price of ₹37.20, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹33,662 Cr. market cap, FY2025-2026 high/low of ₹54.4/32.8, reserves of ₹29,484 Cr, and liabilities of ₹504,923 Cr.
What is the Market Cap of Central Bank of India?
The Market Cap of Central Bank of India is 33,662 Cr..
What is the current Stock Price of Central Bank of India as on 22 January 2026?
The current stock price of Central Bank of India as on 22 January 2026 is ₹37.2.
What is the High / Low of Central Bank of India stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Central Bank of India stocks is ₹54.4/32.8.
What is the Stock P/E of Central Bank of India?
The Stock P/E of Central Bank of India is 6.98.
What is the Book Value of Central Bank of India?
The Book Value of Central Bank of India is 43.6.
What is the Dividend Yield of Central Bank of India?
The Dividend Yield of Central Bank of India is 1.61 %.
What is the ROCE of Central Bank of India?
The ROCE of Central Bank of India is 5.48 %.
What is the ROE of Central Bank of India?
The ROE of Central Bank of India is 11.4 %.
What is the Face Value of Central Bank of India?
The Face Value of Central Bank of India is 10.0.