Bank Of Baroda

Bank Of Baroda

NSE: BANKBARODA BSE: 532134 SECTOR: Bank - Public  179k   1k   370

96.95
-0.45 (-0.46%)
NSE: 01 Jul 03:59 PM

Price Summary

Today's High

₹ 97.8

Today's Low

₹ 95.6

52 Week High

₹ 122.7

52 Week Low

₹ 72.5

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
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

₹ 50136.36 Cr.

CASA %

40.15

No. of Shares

517.14 Cr.

P/E

6.89

P/B

0.58

Face Value

₹ 2

Div. Yield

2.85 %

Book Value (TTM)

₹  166.12

Net Interest Income

₹ 28809.03 Cr.

Cost To Income %

49.24

Promoter Holding

63.97 %

EPS (TTM)

₹  14.06

CAR %

14.99

ROE

1.2 %

ROCE

6.27%

Profit Growth

51.77 %

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* 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 26 Indices.

NIFTYJR

Nifty Next 50
36901.2
  395.799999999996 (1.08422315602621%)

BANKNIFTY

Nifty Bank
33539.45
  114.349999999999 (0.342108176190936%)

NIFTY100WEIGHT

Nifty100 Equal Weight
18378.65
  161.350000000002 (0.885696563157001%)

NFTY200MOM30

Nifty200 Momentum 30
16182.5
  -179 (-1.094031720808%)

NIFTY100

Nifty 100
15925.95
  -3.44999999999891 (-0.0216580662171784%)

NIFTY500

Nifty 500
13394.45
  6.90000000000146 (0.0515404237519279%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
8720.15
  14.1999999999989 (0.16310684072387%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
8665.7
  11.1000000000004 (0.128255494188068%)

NIFTY200

Nifty 200
8294.9
  4.10000000000036 (0.0494524050755007%)

NIFTYTOTALMCAP

Nifty Total Market index
7450.9
  4 (0.0537136258040194%)

NIFTYPSUBANK

Nifty PSU Bank
2447.9
  13.1500000000001 (0.540096519149813%)

NIFTYHIGHBETA

Nifty High Beta 50
1691.64
  -8.4699999999998 (-0.498203057449209%)

NT100ALP30

NIFTY100 Alpha 30
10337.58
  157.5 (1.54713911874955%)

BANKEX

S&P Bse Bankex
38626.25
  150.309999999998 (0.390659721373932%)

BSE500

S&P Bse 500
21340.25
  15.7099999999991 (0.0736709912616984%)

BSEPSU

S&P Bse PSU
7907.09
  -105.76 (-1.31987994284182%)

MID150

S&P Bse 150 MidCap
7715.48
  36.5899999999992 (0.476501160975085%)

FIN

S&P Bse Finance
7230.82
  72.3400000000001 (1.01054972564008%)

BSE200

S&P Bse 200
6815.97
  3.86000000000058 (0.05666379433098%)

LMI250

S&P Bse 250 LargeMidCap
6445.21
  3.6899999999996 (0.0572846160533436%)

ALLCAP

S&P Bse Allcap
6128.02
  4.59000000000015 (0.0749579892315388%)

LRGCAP

S&P Bse LargeCap
6089.74
  -1.68000000000029 (-0.0275797761441599%)

MSL400

S&P Bse 400 MidSmallCap
5819.39
  24.5 (0.42278628239707%)

BHRT22

S&P Bse Bharat 22 Index
3900.39
  -13.4300000000003 (-0.343143016285885%)

SPBSEVIP

S&P Bse Enhanced Value
369.88
  -1.66000000000003 (-0.446789040211015%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
6407.79
  4.68000000000029 (0.0730894830793138%)

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 Year8.93%
3 Year3.7%
5 Year1.17%

ROA%

1 Year0.6%
3 Year0.24%
5 Year0.09%

Net NPA%

1 Year1.72%
3 Year2.65%
5 Year3.35%

 NIM

1 Year2.68%
3 Year2.62%
5 Year2.52%

CAR %

14.99

Cost of Liabilities %

4.03213651043208

PEG Ratio

0.19

Advances Growth %

10.0318016405684

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2022 63.97 0
Dec 2021 63.97 0
Sep 2021 63.97 0
Jun 2021 63.97 0
Mar 2021 63.97 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 0.241907814489188%
  • Company has a low ROE of 3.70182077857234% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 2.64666666666667%.
  • High Cost to income ratio of 49.8953799451323%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022
Interest Earned 16684.52 17052.64 16691.53 17963 18173.61
Other Income 4817.42 2969.78 3579.21 2519.26 2522.29
Interest Expended 9577.9 9160.97 9125.56 9410.97 9561.94
Operating Expenses 5689.41 5154.04 5475.62 5587.96 5498.82
Total Provisions 3555.06 4111.99 2753.59 2507.04 3736.38
Profit Before Tax 2679.57 1595.42 2915.97 2976.29 1898.76
Tax 3726.07 386.79 828.12 779.26 119.99
Net Profit -1046.5 1208.63 2087.85 2197.03 1778.77
Net NPA % 3.09 3.03 2.83 2.25 1.72
Gross NPA % 8.87 8.86 8.11 7.25 6.61
Return on Assets % -0.36 0.42 0.73 0.74 0.57
NPM % -6.27 7.09 12.51 12.23 9.79

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

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Interest Earned 43648.54 49770.61 75983.66 70495.06 69880.78
Other Income 6657.15 6294.49 10317.32 12933.97 11483.95
Interest Expended 28126.77 31290.3 48532.37 41686.04 37259.44
Operating Expenses 10173.37 11287.98 18872.39 20543.66 21716.44
Total Provisions 14796.3 12788.67 20698.32 15643.33 13002.41
Profit Before Tax -2790.74 698.15 -1802.1 5556.01 9386.44
Taxes -358.93 264.63 -2348.29 4727.05 2114.16
Net Profit -2431.81 433.52 546.19 828.96 7272.28
Adjusted EPS (Rs.) -9.19 1.64 1.18 1.6 14.06

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 530.36 530.36 925.37 1035.53 1035.53
Total Reserves 42864.41 45410.73 70930.84 76010.19 84874.19
Deposits 591314.82 638689.72 945984.43 966996.93 1045938.56
Borrowings 62571.97 67201.3 93069.31 66847.93 103899.29
Other Liabilities 22718.21 24113.29 47005.56 44474.19 42252.27
Total Liabilities 719999.77 780987.4 1157915.52 1155364.77 1277999.83
Assets
Balance with RBI 22699.64 26661.73 32645.85 38841.04 55184.41
Balance with Banks 70197.74 62567.89 89255.27 81571.78 67470.59
Investments 163184.53 182298.08 274614.61 261220.27 315795.39
Advances 427431.83 468818.74 690120.73 706300.51 777155.18
Net Block 5367.39 6990.3 8889.29 8016.25 9921.9
Other Assets 31118.64 33650.68 62389.76 59414.93 52472.37
Total Assets 719999.77 780987.4 1157915.52 1155364.77 1277999.83
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Promoters 63.97 63.97 63.97 63.97 63.97
president of india 63.74 63.71 63.26 59.24 58.70
PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Investors 36.03 36.03 36.03 36.03 36.03
life insurance cor... 3.86 3.18 3.86 11.69 4.21
reliance capital t... - - 4.72 - -
lici jeevan plus s... - - - - -
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 e... - - - - -
nippon life india ... - - - - -
icici prudential v... - - - - 1.48
icici prudential l... - - - - -
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, WWB rollout ‘Baroda Jan Dhan Plus’ in Uttar Pradesh, Uttarakhand2 Jul 2022, 12:22PM Bank of Baroda gets nod to raise long term bonds of Rs 5000 crore 28 Jun 2022, 9:12AM Bank of Baroda’s arm, Nainital Bank launch co-branded contactless RuPay credit card 17 Jun 2022, 11:15AM Bank of Baroda wins Express BFSI Technology Awards 2022 20 May 2022, 10:43AM Bank of Baroda turns black in Q4 13 May 2022, 5:48PM Bank Of Baroda - Quaterly Results13 May 2022, 3:49PM Bank Of Baroda - Quaterly Results13 May 2022, 3:49PM Bank Of Baroda - Quaterly Results13 May 2022, 3:49PM Bank of Baroda launches industry-first end-to-end digital co-lending platform11 May 2022, 10:36AM Bank of Baroda informs about interest rates updates 10 May 2022, 4:29PM Bank of Baroda reduces interest rate on car loans 4 May 2022, 4:30PM Bank of Baroda launches bob World Gold for senior citizens 29 Apr 2022, 11:12AM Bank of Baroda informs about interest rates updates11 Apr 2022, 5:05PM Bank Of Baroda informs about disclosure4 Apr 2022, 4:44PM Bank of Baroda acquires 21% stake of UBI in IndiaFirst Life Insurance Company1 Apr 2022, 4:47PM Bank of Baroda launches WhatsApp Banking service in Hindi26 Mar 2022, 11:22AM Bank of Baroda inks co-lending pact with Paisalo Digital25 Mar 2022, 9:03AM Bank of Baroda partnering with Reserve Bank Innovation Hub 24 Mar 2022, 12:35PM Bank of Baroda enters into strategic partnership with BNP Paribas Asset Management 15 Mar 2022, 10:42AM Bank of Baroda increases deposit rates: Report28 Feb 2022, 3:40PM Bank of Baroda reports 2-fold jump in Q3 consolidated net profit7 Feb 2022, 11:18AM Bank Of Baroda - Quaterly Results5 Feb 2022, 2:47PM Bank Of Baroda - Quaterly Results5 Feb 2022, 2:47PM Bank Of Baroda - Quaterly Results5 Feb 2022, 2:47PM 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 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 0.5833 . The historical average PB was 0.750457204117953.

Brief about Bank Of Baroda

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