Share Price and Basic Stock Data
Last Updated: December 6, 2025, 8:37 pm
| PEG Ratio | 0.24 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Central Bank of India has shown a steady trajectory in its revenue generation, with reported revenues rising from ₹22,903 Cr in FY 2022 to ₹25,657 Cr in FY 2023, and further climbing to ₹30,849 Cr in FY 2024. The latest trailing twelve months (TTM) figure stands at ₹34,054 Cr, showcasing robust growth. This upward trend in revenue reflects the bank’s ability to adapt and thrive in a challenging financial landscape, particularly as it navigates competitive pressures in the public sector banking space. The quarterly revenue figures illustrate this momentum clearly, with the most recent quarter reporting ₹7,377 Cr, a slight increase from ₹7,259 Cr in the previous quarter. This consistency in revenue generation bodes well for the bank’s operational stability and investor confidence.
Profitability and Efficiency Metrics
Profitability metrics for Central Bank of India reveal a mixed but generally improving picture. The net profit recorded for FY 2023 was ₹1,688 Cr, which advanced to ₹2,677 Cr in FY 2024 and further to ₹3,943 Cr in FY 2025. The net profit margin improved from 4.64% in FY 2022 to 11.29% in FY 2025, indicating enhanced efficiency in converting revenues into profit. The return on equity (ROE) has also strengthened, rising to 11.4%, which is a significant leap from the negative figures reported in previous years. However, the net interest margin remains a critical area, standing at 2.90x, which is consistent with sector norms but still leaves room for improvement. The bank’s operational efficiency is on an upward trajectory, yet the financing profit margin remains a concern, fluctuating between negative and slightly positive figures, signaling challenges in managing interest expenses effectively.
Balance Sheet Strength and Financial Ratios
The balance sheet of Central Bank of India appears solid, with total assets increasing from ₹387,292 Cr in FY 2022 to ₹480,457 Cr in FY 2025. Reserves have also shown a healthy growth trajectory, rising from ₹20,536 Cr to ₹27,830 Cr over the same period. This growth in reserves contributes to a more stable equity capital base, which now stands at ₹9,051 Cr. The bank’s cost-to-income ratio, reported at 58.79%, indicates that it is managing its expenses reasonably well, although there is still potential for optimization. The gross non-performing assets (NPA) ratio has significantly declined from 14.84% in June 2022 to a commendable 3.14% as of June 2025, reflecting effective asset quality management. Despite these positive indicators, the return on capital employed (ROCE) at 5.48% remains below industry standards, suggesting that while the bank is improving, it still needs to enhance its capital utilization.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Central Bank of India reflects a strong promoter backing, with promoters holding 89.27% of the equity. This high level of promoter ownership can instill confidence among retail investors, as it suggests a commitment to the bank’s long-term growth. However, foreign institutional investors (FIIs) remain relatively low at 0.88%, which could indicate a lack of international confidence or interest in the stock. Domestic institutional investors (DIIs), on the other hand, have increased their stake to 4.86%, which is a positive sign. The total number of shareholders has grown to 721,272, suggesting increasing retail participation, which is crucial for enhancing liquidity in the stock. This mixed ownership structure could be a double-edged sword; while high promoter ownership can be stabilizing, the low FII interest might signal caution among international investors.
Outlook, Risks, and Final Insight
Looking ahead, Central Bank of India faces both opportunities and risks. On one hand, the improving profitability metrics, along with a declining NPA ratio, suggest a bank on the mend, potentially poised for further growth. However, it must navigate challenges such as maintaining its net interest margin amidst rising interest rates and managing operational efficiency to sustain profitability. The increasing cost-to-income ratio poses a risk to margins, especially if economic conditions tighten. Additionally, the bank’s reliance on domestic institutional investors and a lack of foreign investment might limit its growth potential. Investors should consider these dynamics carefully; while the bank has made significant strides, the path ahead will demand careful navigation of both financial and operational challenges. For now, Central Bank of India appears to be on a positive trajectory, but vigilance will be key as it seeks to solidify its growth story in a competitive banking environment.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Central 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 | 148,125.62 Cr | 225.22 | 10.12 | 177.23 | 1.92% | 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: July 22, 2025, 4:01 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 | 24,478 | 26,476 | 25,988 | 24,775 | 24,163 | 22,749 | 23,676 | 22,830 | 22,903 | 25,657 | 30,849 | 33,797 | 34,054 |
| 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 | 20,250 |
| 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 | 14,336 |
| Financing Profit | -2,974 | -1,344 | -4,430 | -6,136 | -7,455 | -7,766 | -4,464 | -4,133 | -934 | -1,026 | -133 | -346 | -532 |
| Financing Margin % | -12% | -5% | -17% | -25% | -31% | -34% | -19% | -18% | -4% | -4% | -0% | -1% | -2% |
| 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 | 6,576 |
| 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 | 6,044 |
| 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 | 4,283 |
| 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 | 4.81 |
| 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
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 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: 7.38 (Industry average Stock P/E: 10.12)
- 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%
Fundamental Analysis of Central Bank of India
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Public Sector | 9th Floor, Mumbai Maharashtra 400021 | investors@centralbank.co.in https://www.centralbankofindia.co.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. M V Rao | Managing Director & CEO |
| Mr. M V Murali Krishna | Executive Director |
| Mr. Vivek Wahi | Executive Director |
| Mr. Rajeev Puri | Executive Director |
| Mr. Pradip Pranlal Khimani | Part Time Non Official Director |
| Mr. Priavrat Sharma | Part Time Non Official Director |
| Mr. Dinesh Pangtey | Shareholder Director |
| Mr. Hardik Mukesh Sheth | Government Nominee Director |
| Mr. P J Thomas | Nominee Director |
Central Bank of India Share Price Update | |
|---|---|
| Share Price | Value |
| Today | ₹65.68 |
| Previous Day | ₹62.09 |
FAQ
What is the intrinsic value of Central Bank of India?
Central Bank of India's intrinsic value (as of 08 December 2025) is 28.98 which is 21.46% lower the current market price of 36.90, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 33,391 Cr. market cap, FY2025-2026 high/low of 60.3/32.8, 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 33,391 Cr..
What is the current Stock Price of Central Bank of India as on 08 December 2025?
The current stock price of Central Bank of India as on 08 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 60.3/32.8.
What is the Stock P/E of Central Bank of India?
The Stock P/E of Central Bank of India is 7.38.
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 1.08 %.
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.