Share Price and Basic Stock Data
Last Updated: December 26, 2025, 8:37 pm
| PEG Ratio | 0.23 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Central Bank of India operates within the public sector banking space, reporting a market capitalization of ₹33,363 Cr. As of the latest quarter ending June 2025, the bank’s revenue stood at ₹8,623 Cr, reflecting a consistent upward trend in revenue generation. Over the past year, the quarterly revenue has shown a robust growth trajectory, rising from ₹7,259 Cr in June 2023 to ₹8,623 Cr by June 2025. This growth can be attributed to effective asset management and an increase in interest income, which reported a rise from ₹4,062 Cr in June 2023 to ₹5,222 Cr in June 2025. The bank’s revenue generation appears to be resilient, especially as it reported a total revenue of ₹34,595 Cr for the trailing twelve months (TTM), further indicating a solid operational performance amidst the competitive banking landscape. The bank’s ability to enhance its revenue streams is vital for maintaining its position in the industry.
Profitability and Efficiency Metrics
Central Bank of India recorded a net profit of ₹4,591 Cr for the TTM, demonstrating a significant recovery in profitability from previous years, where it faced losses. The bank’s net profit margin improved to 11.29% for the fiscal year ending March 2025, up from 6.27% in March 2023, indicating enhanced operational efficiency. The return on equity (ROE) stood at 11.4%, showcasing effective utilization of shareholder funds to generate profits. However, the return on capital employed (ROCE) was comparatively lower at 5.48%, suggesting that while the bank is profitable, it could improve its capital efficiency. The financing margin has shown fluctuations, with a slight recovery to 0% by June 2025, indicating stabilization in interest income against expenses. The bank’s ability to maintain profitability is commendable, but ongoing monitoring of cost management will be essential to sustain these improvements.
Balance Sheet Strength and Financial Ratios
The balance sheet of Central Bank of India reflects a significant equity capital of ₹9,051 Cr as of March 2025, alongside reserves amounting to ₹29,484 Cr. The total assets expanded to ₹480,457 Cr, indicating healthy growth in the bank’s asset base. The bank’s financial ratios demonstrate its stability, with a price-to-book value ratio of 1.17 and a price-to-sales ratio of 1.14, which align well within typical sector ranges. The gross non-performing assets (NPA) ratio showed a declining trend, falling to 3.14% by June 2025, down from 14.84% in June 2022, reflecting improved asset quality. This declining trend in NPAs is crucial for enhancing creditworthiness and investor confidence. However, concerns remain regarding net interest margins, which are essential for profitability, and the bank must focus on improving this metric to enhance overall financial health.
Shareholding Pattern and Investor Confidence
Central Bank of India’s shareholding pattern illustrates a strong promoter presence, with promoters holding 89.27% as of March 2025. This high level of promoter stake suggests a significant alignment of interests between management and shareholders. Foreign institutional investors (FIIs) accounted for 0.88%, while domestic institutional investors (DIIs) held 4.86%, indicating limited foreign interest compared to domestic institutions. The total number of shareholders increased to 7,21,272, reflecting growing investor confidence in the bank’s recovery and performance. The increase in DII holdings from 2.88% in December 2022 to 5.87% in March 2025 is particularly noteworthy, as it signals a positive outlook from institutional investors regarding the bank’s future prospects. However, the low percentage of FIIs could signify a cautious stance from foreign investors, which the bank may need to address to enhance its market appeal.
Outlook, Risks, and Final Insight
Central Bank of India exhibits a promising outlook due to its improving profitability, declining NPA ratios, and stable revenue growth. However, risks remain, including the bank’s reliance on domestic market conditions and competitive pressures from both public and private sector banks. Additionally, the fluctuating financing margin may pose challenges to sustaining profit levels. The bank’s ability to manage its cost-to-income ratio, currently at 58.79%, will be crucial for maintaining profitability amidst rising operational costs. As the bank continues to enhance its asset quality and operational efficiency, it may position itself favorably in the market. The focus should remain on sustaining the momentum of revenue growth while addressing the identified risks to ensure long-term stability and investor confidence in the evolving banking landscape.
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 | 1,14,672 Cr. | 150 | 160/101 | 6.20 | 165 | 3.16 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 35,901 Cr. | 28.6 | 46.3/26.8 | 14.3 | 25.9 | 1.36 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,91,955 Cr. | 966 | 999/680 | 11.4 | 617 | 1.65 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,38,341 Cr. | 120 | 128/85.5 | 8.12 | 124 | 2.41 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,045 Cr. | 26.8 | 52.0/25.2 | 16.4 | 19.2 | 0.26 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 146,545.77 Cr | 221.25 | 9.85 | 177.23 | 1.94% | 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 | 5,555 | 6,184 | 6,746 | 7,171 | 7,259 | 7,377 | 7,842 | 8,371 | 8,367 | 8,235 | 8,542 | 8,653 | 8,623 |
| Interest | 3,397 | 3,421 | 3,444 | 3,643 | 4,062 | 4,338 | 4,672 | 4,811 | 4,801 | 4,807 | 4,984 | 5,238 | 5,222 |
| Expenses | 2,671 | 3,039 | 3,401 | 4,043 | 3,118 | 3,534 | 3,377 | 3,561 | 3,920 | 3,500 | 3,373 | 4,067 | 3,395 |
| Financing Profit | -513 | -276 | -99 | -514 | 79 | -495 | -207 | -1 | -354 | -71 | 185 | -652 | 6 |
| Financing Margin % | -9% | -4% | -1% | -7% | 1% | -7% | -3% | -0% | -4% | -1% | 2% | -8% | 0% |
| Other Income | 832 | 909 | 919 | 1,424 | 959 | 1,062 | 1,329 | 1,363 | 1,166 | 1,649 | 1,232 | 1,823 | 1,872 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 319 | 633 | 820 | 910 | 1,038 | 567 | 1,122 | 1,363 | 812 | 1,578 | 1,418 | 1,171 | 1,878 |
| Tax % | 24% | 49% | 43% | 37% | 59% | -7% | 35% | 40% | -9% | 42% | 32% | 11% | 33% |
| Net Profit | 276 | 344 | 476 | 592 | 498 | 623 | 738 | 817 | 945 | 926 | 966 | 1,106 | 1,284 |
| EPS in Rs | 0.31 | 0.39 | 0.55 | 0.68 | 0.57 | 0.72 | 0.85 | 0.94 | 1.09 | 1.06 | 1.11 | 1.22 | 1.42 |
| Gross NPA % | 14.84% | 9.64% | 8.83% | 8.41% | 4.95% | 4.61% | 4.50% | 4.50% | 4.54% | 4.59% | 3.87% | 3.18% | 3.14% |
| Net NPA % | 3.93% | 2.95% | 2.09% | 1.77% | 1.75% | 1.64% | 1.28% | 1.24% | 0.75% | 0.70% | 0.61% | 0.56% | 0.50% |
Last Updated: August 1, 2025, 10:50 pm
Below is a detailed analysis of the quarterly data for Central 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 5,222.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 5,238.00 Cr. (Mar 2025) to 5,222.00 Cr., marking a decrease of 16.00 Cr..
- For Expenses, as of Jun 2025, the value is 3,395.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 4,067.00 Cr. (Mar 2025) to 3,395.00 Cr., marking a decrease of 672.00 Cr..
- For Other Income, as of Jun 2025, the value is 1,872.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,823.00 Cr. (Mar 2025) to 1,872.00 Cr., marking an increase of 49.00 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 1,878.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,171.00 Cr. (Mar 2025) to 1,878.00 Cr., marking an increase of 707.00 Cr..
- For Tax %, as of Jun 2025, the value is 33.00%. The value appears to be increasing, which may not be favorable. It has increased from 11.00% (Mar 2025) to 33.00%, marking an increase of 22.00%.
- For Net Profit, as of Jun 2025, the value is 1,284.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,106.00 Cr. (Mar 2025) to 1,284.00 Cr., marking an increase of 178.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 1.42. The value appears strong and on an upward trend. It has increased from 1.22 (Mar 2025) to 1.42, marking an increase of 0.20.
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: 7.37 (Industry average Stock P/E: 9.85)
- 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 28 December 2025) is 28.95 which is 21.54% lower the current market price of 36.90, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 33,363 Cr. market cap, FY2025-2026 high/low of 56.5/32.8, 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 33,363 Cr..
What is the current Stock Price of Central Bank of India as on 28 December 2025?
The current stock price of Central Bank of India as on 28 December 2025 is 36.9.
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 56.5/32.8.
What is the Stock P/E of Central Bank of India?
The Stock P/E of Central Bank of India is 7.37.
What is the Book Value of Central Bank of India?
The Book Value of Central Bank of India is 42.6.
What is the Dividend Yield of Central Bank of India?
The Dividend Yield of Central Bank of India is 1.09 %.
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.