Share Price and Basic Stock Data
Last Updated: January 2, 2026, 10:52 am
| 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 industry, focusing on a diverse range of financial services. The bank reported a market capitalization of ₹34,015 Cr, with a current price per share of ₹37.6. Over the past few quarters, the bank has demonstrated a positive revenue trajectory, with revenue increasing from ₹5,555 Cr in June 2022 to ₹7,377 Cr by September 2023. This upward trend continued, culminating in a revenue of ₹8,371 Cr for March 2024. The trailing twelve months (TTM) revenue stood at ₹34,595 Cr, indicating a strong recovery from previous years. The bank’s revenue growth reflects a robust operational strategy and an improving economic environment, allowing it to capture more market share in the competitive banking sector. This performance is particularly notable in a landscape where many banks struggle with stagnant growth. The bank’s consistent revenue increases signify effective management and a commitment to enhancing customer offerings.
Profitability and Efficiency Metrics
Central Bank of India has shown marked improvement in profitability metrics over the reporting periods. The net profit for the year ending March 2025 rose to ₹3,943 Cr, up from ₹1,688 Cr in March 2023, demonstrating substantial growth in profitability. The bank’s earnings per share (EPS) also reflected this trend, increasing from ₹1.93 in March 2023 to ₹4.35 in March 2025. The return on equity (ROE) improved to 11.4% as of the latest reporting period, indicating efficient use of shareholder funds. However, the return on capital employed (ROCE) remained relatively low at 5.48%, suggesting that while profitability is improving, there is still room for enhancing capital efficiency. Despite these gains, the operating profit margin (OPM) is not available, making it challenging to assess operational efficiency comprehensively. Overall, the bank’s profitability metrics indicate a positive shift, although continued focus on capital efficiency could enhance financial performance further.
Balance Sheet Strength and Financial Ratios
The balance sheet of Central Bank of India has shown resilience, with total assets growing to ₹480,457 Cr by March 2025, up from ₹407,080 Cr in March 2023. The bank reported reserves of ₹29,484 Cr, reflecting a solid capital base that supports its operations. The bank’s borrowings stood at ₹21,820 Cr, which indicates a strategic approach to funding while managing leverage effectively. The bank’s price-to-book ratio (P/BV) currently stands at 1.17, which is relatively moderate compared to sector norms, suggesting that the stock is reasonably valued based on its book value. Furthermore, the cost-to-income ratio of 58.79% indicates operational efficiency, although slightly higher than ideal levels, as lower ratios are generally preferred in the banking sector. Overall, while the balance sheet reflects a stable financial position, the bank should aim for lower borrowing levels and improved efficiency metrics to bolster its financial health.
Shareholding Pattern and Investor Confidence
The shareholding structure of Central Bank of India reveals significant promoter control, with promoters holding 89.27% of the shares as of March 2025. This high level of promoter ownership typically indicates strong alignment between management and shareholder interests, which can enhance investor confidence. Foreign institutional investors (FIIs) hold a modest 0.88%, while domestic institutional investors (DIIs) account for 4.86%. The public shareholding is relatively low at 4.98%, suggesting limited retail investor participation. The increase in the number of shareholders from 6,79,105 in March 2025 to 7,21,272 in September 2025 indicates growing interest in the bank’s shares, which is a positive indicator for potential future capital raising and market perception. However, the concentration of ownership among promoters may deter some investors seeking more diverse shareholding structures. Overall, the current shareholding pattern reflects both strengths and potential challenges in attracting broader institutional and retail investor interest.
Outlook, Risks, and Final Insight
Looking ahead, Central Bank of India faces a mix of opportunities and risks. The improving profitability metrics and strong revenue growth position the bank favorably within the public sector banking landscape. However, the challenges of managing net interest margins and maintaining low non-performing asset (NPA) ratios, currently at 3.14% as of June 2025, remain critical. The bank’s ability to sustain its growth trajectory will depend on its strategic initiatives to enhance operational efficiency and capital allocation. Additionally, external factors such as regulatory changes and economic fluctuations may impact performance. While the bank’s current trajectory suggests a positive outlook, it must navigate these risks carefully to maintain investor confidence and secure its competitive position in the market. If the bank successfully addresses these challenges, it could see continued growth and enhanced shareholder value in the coming years.
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 | 1,19,275 Cr. | 156 | 160/101 | 6.47 | 165 | 3.02 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 37,932 Cr. | 30.2 | 46.3/26.8 | 15.0 | 25.9 | 1.31 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,15,216 Cr. | 992 | 999/680 | 11.6 | 617 | 1.61 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,43,432 Cr. | 125 | 128/85.5 | 8.41 | 124 | 2.33 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 20,591 Cr. | 29.0 | 52.0/25.2 | 17.8 | 19.2 | 0.24 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 152,332.31 Cr | 232.99 | 10.42 | 177.23 | 1.84% | 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: 7.56 (Industry average Stock P/E: 10.42)
- 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 02 January 2026) is ₹29.68 which is 21.48% lower the current market price of ₹37.80, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹34,232 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 34,232 Cr..
What is the current Stock Price of Central Bank of India as on 02 January 2026?
The current stock price of Central Bank of India as on 02 January 2026 is ₹37.8.
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 7.56.
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 1.06 %.
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.