Bank Of Baroda

Bank Of Baroda

NSE: BANKBARODA BSE: 532134 SECTOR: Bank - Public  131k   1k   279

92.70
-4.00 (-4.14%)
NSE: 21 Jan 03:59 PM

Price Summary

Today's High

₹ 95.7

Today's Low

₹ 91.55

52 Week High

₹ 108

52 Week Low

₹ 61.75

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 47938.53 Cr.

CASA %

40.15

No. of Shares

517.14 Cr.

P/E

14.48

P/B

0.64

Face Value

₹ 2

Div. Yield

0 %

Book Value (TTM)

₹  145.77

Net Interest Income

₹ 28809.03 Cr.

Cost To Income %

49.9

Promoter Holding

63.97 %

EPS (TTM)

₹  6.4

CAR %

14.99

ROE

1.2 %

ROCE

6.27%

Profit Growth

51.77 %

Add Your Ratio

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 28 Indices.

NIFTYJR

NIFTY NEXT 50
42182.2
  -713.650000000001 (-1.66368075233385%)

BANKNIFTY

NIFTY BANK
37574.3
  -276.549999999996 (-0.73063088411488%)

NIFTYMIDCAP

NIFTY FREE MIDCAP 100
30563.6
  -748.450000000001 (-2.39029383256606%)

NIFTY100WEIGHT

NIFTY 100 EQUAL WEIGHT
20667.85
  -302.350000000002 (-1.44180789882787%)

NIFTY100

NIFTY 100
17856.15
  -164.949999999997 (-0.915315935209271%)

NIFTY500

NIFTY 500
15180.8
  -180.300000000001 (-1.17374406780765%)

NIFTYLGEMID250

NIFTY LARGE MIDCAP 250
9883.55
  -152.200000000001 (-1.51657823281769%)

NIFTY200

NIFTY 200
9330.85
  -105.049999999999 (-1.11330132790725%)

MIDCAP50

NIFTY MIDCAP 50
8436.8
  -218.35 (-2.52277545738665%)

NIFTYPSUBANK

NIFTY PSU BANK
2709.6
  -85.3499999999999 (-3.05372189126818%)

NIFTYHIGHBETA

HIGH BETA
2146.45
  -50.8500000000004 (-2.3142037955673%)

SNXT50

S&P BSE SENSEX Next 50
48525.11
  -950.620000000003 (-1.92138650607075%)

BSE500

S&P Bse 500
24115.31
  -287.759999999998 (-1.17919589625403%)

BSE100

S&P Bse 100
17902.55
  -177.130000000001 (-0.979718667587037%)

MID150

S&P BSE 150 MidCap
8843.48
  -196.82 (-2.17714013915468%)

BSEPSU

S&P Bse PSU
8676.39
  -187.700000000001 (-2.11753265140585%)

FIN

S&P BSE Finance
8360.84
  -67.4799999999996 (-0.800634052812421%)

BSE200

S&P Bse 200
7633.82
  -85.6100000000006 (-1.10901970741364%)

LMI250

S&P BSE 250 LargeMidCap
7235.74
  -82.7800000000007 (-1.13110300989818%)

ALLCAP

S&P Bse Allcap
6939.93
  -85.0099999999993 (-1.21011709708552%)

MSL400

S&P BSE 400 MidSmallCap
6830.05
  -143.42 (-2.05665185338146%)

LRGCAP

S&P BSE LargeCap
6796.81
  -62.4099999999999 (-0.909870218479647%)

BSE100LARGECAPTMC

S&P BSE 100 LargeCap TMC
6481.09
  -60.71 (-0.928032040111282%)

BHRT22

S&P BSE Bharat 22 Index
4059.69
  -76.98 (-1.86091711449065%)

CARBONEX

S&P Bse Carbonex
2893.67
  -28.4299999999998 (-0.972930426747887%)

SPBSEVIP

S&P BSE Enhanced Value
433.51
  -11.17 (-2.51191868309796%)

ESG100

S&P BSE 100 ESG Index
294.77
  -2.83000000000004 (-0.950940860215066%)

S&P LARGEMIDCAP

S&P BSE Large MidCap
7175.23
  -77.8600000000006 (-1.0734735126684%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year1.2%
3 Year1.1%
5 Year0.15%

ROA%

1 Year0.07%
3 Year0.06%
5 Year0.01%

Net NPA%

1 Year3.09%
3 Year3.18%
5 Year3.95%

 NIM

1 Year2.65%
3 Year2.56%
5 Year2.4%

CAR %

14.99

Cost of Liabilities %

4.03213651043208

PEG Ratio

0.41

Advances Growth %

2.34448505933457

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2021 63.97 0
Sep 2021 63.97 0
Jun 2021 63.97 0
Mar 2021 63.97 0
Dec 2020 71.6 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 40.1534079705109% of total deposits.
  • The company has delivered good Profit growth of 32.7780957950836% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.0619247777881605%
  • Company has a low ROE of 1.09507943066652% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 3.18333333333333%.
  • High Cost to income ratio of 49.8953799451323%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021
Interest Earned 17819.67 17768.72 16684.52 17052.64 16691.53
Other Income 2909.64 2895.51 4848.39 2969.78 3579.21
Interest Expended 10410.06 10019.99 9577.9 9160.97 9125.56
Operating Expenses 4757.97 5053.6 5689.41 5154.04 5475.62
Total Provisions 2811.05 3956.68 3586.03 4111.99 2753.59
Profit Before Tax 2550.23 1633.96 2679.57 1595.42 2915.97
Tax 871.63 572.85 3726.07 386.79 828.12
Net Profit 1678.6 1061.11 -1046.5 1208.63 2087.85
Net NPA % 2.51 2.39 3.09 3.03 2.83
Gross NPA % 9.14 8.48 8.87 8.86 8.11
Return on Assets % 0.59 0.37 -0.36 0.42 0.73
NPM % 9.42 5.97 -6.27 7.09 12.51

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 42199.93 43648.54 49770.61 75983.66 70495.06
Other Income 6758.06 6657.15 6294.49 10317.32 12364.44
Interest Expended 28686.52 28126.77 31290.3 48532.37 41686.04
Operating Expenses 9296.4 10173.37 11287.98 18872.39 20543.66
Total Provisions 8502.37 14796.3 12788.67 20698.32 15073.8
Profit Before Tax 2472.7 -2790.74 698.15 -1802.1 5556.01
Taxes 1089.56 -358.93 264.63 -2348.29 4727.05
Net Profit 1383.14 -2431.81 433.52 546.19 828.96
Adjusted EPS (Rs.) 6 -9.19 1.64 1.18 1.6

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 462.09 530.36 530.36 925.37 1035.53
Total Reserves 39841.16 42864.41 45410.73 70930.84 76010.19
Deposits 601675.17 591314.82 638689.72 945984.43 966996.93
Borrowings 30611.44 62571.97 67201.3 93069.31 66847.93
Other Liabilities 22285.56 22718.21 24113.29 47005.56 44474.19
Total Liabilities 694875.42 719999.77 780987.4 1157915.52 1155364.77
Assets
Balance with RBI 22780.21 22699.64 26661.73 32645.85 38841.04
Balance with Banks 127689.7 70197.74 62567.89 89255.27 81571.78
Investments 129630.54 163184.53 182298.08 274614.61 261220.27
Advances 383259.22 427431.83 468818.74 690120.73 706300.51
Net Block 5758.37 5367.39 6990.3 8889.29 8016.25
Other Assets 25757.37 31118.64 33650.68 62389.76 59414.93
Total Assets 694875.42 719999.77 780987.4 1157915.52 1155364.77
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2020% Mar 2021% Jun 2021% Sep 2021% Dec 2021%
Promoters 71.60 63.97 63.97 63.97 63.97
president of india 63.74 63.71 63.26 59.24 58.70
PARTICULARS Dec 2020% Mar 2021% Jun 2021% Sep 2021% Dec 2021%
Investors 28.40 36.03 36.03 36.03 36.03
life insurance cor... 3.86 3.18 3.86 11.69 4.21
lici pension plus ... - - - - -
reliance capital t... - - 4.72 - -
hdfc trustee compa... - 4.53 - - 4.49
hdfc trustee co lt... - - 4.52 - -
hdfc mutual fund (... - - - 4.15 -
reliance etf-junio... 4.04 - - - 1.52
merrill lynch mark... - - - - 3.17
theleme master fun... 3.03 3.03 2.85 - -
icici prudential m... 2.97 - 3.00 - -
hdfc trustee compa... - - - - -
reliance etf - jun... - - - - -
icici prudential v... - 1.95 - - -
aditya birla sun l... - - - - 2.10
bnp paribas arbitr... - - - - -
icici prudential r... - - - - -
icici prudential f... - - - - -
icici prudential v... - - - - 1.48
icici prudential l... - - - - -
nippon life india ... - - - - -
nippon life india ... - - - - -
edgbaston asian eq... 1.01 - 1.10 - -
copthall mauritius... - - - 1.05 -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Bank Of Baroda informs about details of loss of certificate21 Jan 2022, 4:18PM Bank of Baroda signs contract with Indian Cricketer Shafali Verma7 Jan 2022, 3:08PM Bank of Baroda’s arm partners with Indian Navy to launch co-branded credit card24 Dec 2021, 3:17PM Bank of Baroda launches wearable line of products for small-ticket payments14 Dec 2021, 9:59AM Bank of Baroda signs MoU with Centrum Housing Finance 10 Dec 2021, 9:50AM Bank Of Baroda informs about newspaper advertisement8 Dec 2021, 4:59PM Bank of Baroda enters into strategic financing partnership with Ashok Leyland7 Dec 2021, 11:39AM Bank of Baroda raises Rs 1997 crore through bonds26 Nov 2021, 2:27PM Bank of Baroda’s arm collaborates with OneCard25 Nov 2021, 9:57AM Bank of Baroda looking at loan growth of 7-10% in current financial year11 Nov 2021, 3:08PM Bank of Baroda reports 22% rise in Q2 consolidated net profit10 Nov 2021, 3:47PM Bank of Baroda signs MoU with NeML to become clearing bank for NeML3 Nov 2021, 12:59PM Bank of Baroda planning to raise up to Rs 3,000 crore through bonds1 Nov 2021, 4:08PM Bank of Baroda informs about trading window closure28 Sep 2021, 3:54PM Bank of Baroda enters into partnership with PayPoint India: Report22 Sep 2021, 3:09PM BoB, BPCL launch BoB BPCL RuPay NCMC Platinum International co-branded Contactless Debit Card22 Sep 2021, 12:36PM Bank of Baroda rolls out slew of festive offers for retail borrowers17 Sep 2021, 1:16PM Bank of Baroda launches digital banking platform 'bob World'9 Sep 2021, 12:35PM Directorate of Enforcement imposes penalty of Rs 5 crore on Bank of Baroda11 Aug 2021, 1:40PM Bank Of Baroda turns black in Q1 9 Aug 2021, 11:00AM Bank Of Baroda informs about outcome of the board meeting7 Aug 2021, 3:52PM Bank of Baroda, U GRO Capital launch co-lending platform ‘Pratham’22 Jul 2021, 1:53PM Bank Of Baroda informs about closure of trading window29 Jun 2021, 4:03PM Bank of Baroda working towards providing flexible working model to employees16 Jun 2021, 1:10PM Bank of Baroda informs about 25th AGM11 Jun 2021, 11:01AM Bank of Baroda to conduct e-auction of 46 NPA accounts to recover Rs 597 crore 9 Jun 2021, 10:18AM Bank of Baroda to set off accumulated loss of over Rs 11,048 crore against share premium account7 Jun 2021, 12:36PM Bank of Baroda reports consolidated net loss of Rs 741 crore in Q4 31 May 2021, 10:54AM Bank of Baroda launches microsite to support employees amid COVID-19 11 May 2021, 1:37PM Bank of Baroda informs about closure of trading window26 Mar 2021, 4:49PM Bank of Baroda raises Rs 4,500 crore through QIP 3 Mar 2021, 3:53PM Bank Of Baroda informs about committee meeting26 Feb 2021, 11:47AM Bank of Baroda to raise up to Rs 4,500 crore through QIP26 Feb 2021, 11:29AM Bank of Baroda turns black in Q328 Jan 2021, 9:37AM Central Bank of UAE imposes sanction of Rs 13.56 crore on Bank of Baroda, GCC Operations27 Jan 2021, 10:06AM Bank Of Baroda informs about board meeting13 Jan 2021, 4:14PM Bank of Baroda raises Rs 969 crore through bonds13 Jan 2021, 4:02PM Bank of Baroda signs MoU with SIDBI7 Jan 2021, 10:25AM Bank of Baroda launches banking services on WhatsApp5 Jan 2021, 4:20PM Bank of Baroda launches maiden New Year ad campaign ‘Ek Forever Rishta’1 Jan 2021, 12:59PM Bank of Baroda launches digital lending platform 29 Dec 2020, 12:15PM Bank of Baroda signs MoU with Defence Forces for ‘Baroda Military Salary Package’24 Dec 2020, 1:58PM Bank of Baroda completes integration of erstwhile Dena, Vijaya banks with itself21 Dec 2020, 11:36AM Bank of Baroda to sell 8.51% stake in UTI Trustee Company12 Nov 2020, 9:46AM Bank of Baroda reports 2- fold jump in Q2 consolidated net profit 30 Oct 2020, 10:54AM Bank of Baroda gets nod for issuance of bonds24 Oct 2020, 10:42AM Bank of Baroda ties up with Toyota Kirloskar Motor 21 Oct 2020, 9:12AM Bank of Baroda completes IT integration of former Vijaya Bank branches20 Oct 2020, 1:19PM Bank of Baroda signs MoU with M&M17 Oct 2020, 8:40AM Bank of Baroda launches festive offers for home, car loan borrowers6 Oct 2020, 3:18PM

Bank Of Baroda Stock Price Analysis and Quick Research Report. Is Bank Of Baroda an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Bank Of Baroda is performing and if it is the right time to buy the stock of Bank Of Baroda with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Bank Of Baroda has earned Rs 70495.0621 Cr. revenue in the latest financial year. It has posted outstanding revenue growth of 17.3263676397454 % in last 3 Years.

  • In terms of advances, the bank reported 2.34448505933457 % YOY,  rise . If you see 3 years advance growth, it stands at 18.2245182841972 %.

  • Currently the company has a CASA ratio of 40.1534079705109 %. It’s overall cost of liability stands at 4.03213651043208 %. Also, the total deposits from these accounts stood at Rs 966996.9266 Cr.

  • The Bank has a Poor ROA track record. The ROA of Bank Of Baroda is at 0.0716694993544614 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 8.87 % and 3.09 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -27.1738066443834 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Bank Of Baroda surged and is currently at Rs 12364.4372 Cr.

  • The company has a Good Capital Adequacy Ratio of 14.99 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Bank Of Baroda is trading at a P/B of 0.6304 . The historical average PB was 0.750457204117953.

Brief about Bank Of Baroda

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