Bank of Baroda

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Bank of Baroda Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Bank of Baroda

₹ 235 -0.17%
12 Oct - close price
bankofbaroda.bank.in BSE: 532134 NSE: BANKBARODA F&O
About

Bank of Baroda is engaged in providing various services, such as personal banking, corporate banking, international banking, small and medium enterprise (SME) banking, rural banking, non-resident Indian (NRI) services and treasury services.(Source : Company Web-site)

Key Points

Market Position
The bank is among India’s top five banks by asset size and total deposits with a 6% market share as of FY24. [1]

Website BSE NSE F&O
  • Market Cap ₹ 1,21,631 Cr.
  • Current Price ₹ 235
  • High / Low ₹ 326 / 224
  • Stock P/E 5.85
  • Book Value ₹ 300
  • Dividend Yield 3.61 %
  • ROCE 5.66 %
  • ROE 13.8 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 0.78 times its book value
  • Stock is providing a good dividend yield of 3.61%.
  • Company has been maintaining a healthy dividend payout of 22.1%

Cons

  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.8,58,121 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Public Sector Bank

Part of BSE 500 BSE 100 BSE 200 BSE Dollex 200 BSE PSU

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
26,556 27,862 28,605 29,583 29,629 30,278 30,908 31,117 31,091 31,511 31,750 32,642 33,211
Interest 15,559 17,031 17,504 17,791 18,029 18,641 19,491 19,622 19,657 19,557 19,949 20,148 20,686
8,441 9,143 7,563 9,180 7,937 9,662 8,604 9,649 9,840 9,125 8,823 10,542 8,511
Financing Profit 2,555 1,688 3,538 2,613 3,663 1,975 2,813 1,846 1,595 2,829 2,978 1,952 4,014
Financing Margin % 10% 6% 12% 9% 12% 7% 9% 6% 5% 9% 9% 6% 12%
3,322 4,171 2,810 4,191 2,487 5,166 3,769 4,735 4,675 3,515 3,600 3,967 -2,210
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 5,878 5,859 6,349 6,804 6,151 7,141 6,582 6,581 6,270 6,343 6,578 5,919 1,804
Tax % 31% 27% 28% 28% 28% 27% 27% 23% 28% 24% 23% 5% 29%
4,070 4,253 4,579 4,886 4,458 5,238 4,837 5,048 4,541 4,809 5,055 5,616 1,278
EPS in Rs 7.87 8.22 8.86 9.45 8.62 10.13 9.35 9.76 8.78 9.30 9.77 10.86 2.47
Gross NPA % 3.51% 3.32% 3.08% 2.92% 2.88% 2.50% 2.43% 2.26% 2.28% 2.16% 2.04% 1.89% 1.99%
Net NPA % 0.78% 0.76% 0.70% 0.68% 0.69% 0.60% 0.59% 0.58% 0.60% 0.57% 0.57% 0.45% 0.50%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
42,964 44,061 42,200 43,649 49,771 75,984 70,495 69,881 89,589 112,606 122,301 126,994 129,113
Interest 29,776 31,321 28,687 28,127 31,290 48,532 41,686 37,259 48,233 67,884 75,783 79,311 80,340
11,828 23,935 17,287 23,989 23,166 37,911 34,872 33,329 29,700 32,708 34,459 36,412 37,001
Financing Profit 1,359 -11,196 -3,774 -8,467 -4,686 -10,460 -6,063 -708 11,656 12,014 12,059 11,271 11,772
Financing Margin % 3% -25% -9% -19% -9% -14% -9% -1% 13% 11% 10% 9% 9%
4,402 4,999 6,758 6,657 6,294 10,317 12,934 11,484 10,026 14,495 15,788 15,757 8,872
Depreciation 340 501 511 863 910 1,660 1,315 1,390 1,955 1,620 1,393 1,917 0
Profit before tax 5,421 -6,698 2,473 -2,673 698 -1,802 5,556 9,386 19,727 24,890 26,454 25,110 20,645
Tax % 37% -19% 44% -9% 38% -130% 85% 23% 28% 29% 26% 20%
3,398 -5,396 1,383 -2,432 434 546 829 7,272 14,110 17,789 19,581 20,021 16,758
EPS in Rs 15.37 -23.42 6.00 -9.19 1.64 1.18 1.60 14.06 27.28 34.40 37.86 38.72 32.40
Dividend Payout % 21% 0% 20% 0% 0% 0% 0% 20% 20% 22% 22% 22%
Compounded Sales Growth
10 Years: 11%
5 Years: 12%
3 Years: 12%
TTM: 5%
Compounded Profit Growth
10 Years: 19%
5 Years: 94%
3 Years: 12%
TTM: 6%
Stock Price CAGR
10 Years: 4%
5 Years: 22%
3 Years: 5%
1 Year: -12%
Return on Equity
10 Years: 10%
5 Years: 14%
3 Years: 15%
Last Year: 14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 444 462 462 530 530 925 1,036 1,036 1,036 1,036 1,036 1,036
Reserves 39,392 39,737 39,841 42,864 50,453 70,931 76,010 84,874 97,187 111,188 135,890 152,173
Deposits 617,560 574,038 601,675 591,315 638,690 945,984 966,997 1,045,939 1,203,688 1,335,136 1,472,035 1,648,487
Borrowing 35,264 33,472 30,611 62,572 67,201 93,069 66,848 103,899 101,910 94,402 123,716 156,357
22,329 23,668 22,286 22,718 24,113 47,006 44,474 42,252 54,740 44,035 48,571 51,110
Total Liabilities 714,989 671,376 694,875 720,000 780,987 1,157,916 1,155,365 1,278,000 1,458,562 1,585,797 1,781,247 2,009,164
2,875 6,254 5,758 5,367 6,990 8,889 8,016 9,922 8,707 7,913 12,376 11,879
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 116,812 120,451 129,631 163,185 182,298 274,615 261,220 315,795 362,485 369,817 385,398 386,415
595,301 544,672 559,487 551,448 591,699 874,412 886,128 952,283 1,087,370 1,208,068 1,383,473 1,610,869
Total Assets 714,989 671,376 694,875 720,000 780,987 1,157,916 1,155,365 1,278,000 1,458,562 1,585,797 1,781,247 2,009,164

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
18,021 -9,842 17,194 -61,088 -4,120 17,941 -4,609 7,529 -19,747 -5,457 28,020 30,975
-539 -3,995 -426 -563 -3,957 141 -269 -3,967 -1,563 -574 -855 -685
-6 -616 -198 4,079 4,409 14,590 3,390 -1,319 -5,642 5,452 3,560 -2,059
Net Cash Flow 17,475 -14,453 16,570 -57,573 -3,668 32,672 -1,488 2,242 -26,952 -579 30,725 28,232
Free Cash Flow 17,481 -13,821 16,738 -61,490 -6,638 17,842 -4,957 4,237 -20,476 -6,276 27,259 29,568
CFO/OP 67% -56% 63% -317% 0% 47% 1% 23% -24% 3% 42% 39%

Ratios

Standalone / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 9% -13% 3% -6% 1% 1% 1% 9% 15% 17% 16% 14%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2024 Mar 2025 Mar 2026
Capital Adequacy Ratio (CRAR)
%

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Number of Domestic Branches
count
Gross NPA Ratio
%
Retail Advances as % of Domestic Advances
%
Domestic CASA Ratio
%
Slippage Ratio
%
Total Global Business (Deposits + Advances)
Rs crore

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Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
63.97% 63.97% 63.97% 63.97% 63.97% 63.97% 63.97% 63.97% 63.97% 63.97% 63.97% 63.97%
12.27% 12.40% 11.45% 9.87% 8.90% 8.98% 8.08% 8.71% 9.84% 9.69% 10.14% 10.29%
15.75% 16.04% 15.77% 16.35% 17.86% 17.97% 18.79% 18.93% 18.72% 18.92% 18.33% 17.83%
0.26% 0.26% 0.26% 0.26% 0.26% 0.26% 0.26% 0.08% 0.08% 0.08% 0.08% 0.08%
7.76% 7.32% 8.55% 9.56% 9.01% 8.83% 8.89% 8.30% 7.37% 7.33% 7.47% 7.81%
No. of Shareholders 12,89,44313,29,61814,11,26617,11,54816,93,91716,89,79716,31,56215,65,74314,77,39814,59,93414,60,57514,80,357

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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