Bank Of Baroda

Bank Of Baroda

NSE: BANKBARODA BSE: 532134 SECTOR: Bank - Public  235k   1k   418

166.25
-1.55 (-0.92%)
NSE: Today, 03:59 PM

Price Summary

Today's High

₹ 168.7

Today's Low

₹ 164.45

52 Week High

₹ 172.7

52 Week Low

₹ 77.05

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

₹ 85973.9 Cr.

CASA %

41.46

No. of Shares

517.14 Cr.

P/E

9.09

P/B

0.94

Face Value

₹ 2

Div. Yield

1.7 %

Book Value (TTM)

₹  177.61

Net Interest Income

₹ 32621.34 Cr.

Cost To Income %

49.24

Promoter Holding

63.97 %

EPS (TTM)

₹  18.29

CAR %

15.84

ROE

8.93 %

ROCE

8%

Profit Growth

777.28 %

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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 31 Indices.

NIFTYJR

Nifty Next 50
43687.9
  540.800000000003 (1.2533866702513%)

BANKNIFTY

Nifty Bank
43231
  177.550000000003 (0.412394360962942%)

NIFTYALPHA

Nifty Alpha 50
30688.1
  310.099999999999 (1.02080452959379%)

NIFTY100WEIGHT

Nifty100 Equal Weight
21396.5
  216.25 (1.0209983357137%)

NFTY200MOM30

Nifty200 Momentum 30
20264.3
  185.25 (0.922603410021883%)

NIFTY100

Nifty 100
18919.55
  161.200000000001 (0.859350635850165%)

NIFTY500

Nifty 500
15946.15
  133.699999999999 (0.845536270470415%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
10415.9
  91.8999999999996 (0.890158853157685%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
10330.2
  80.8000000000011 (0.788338829590041%)

NIFTY200

Nifty 200
9876.55
  87.5499999999993 (0.894371233016633%)

NIFTYTOTALMCAP

Nifty Total Market index
8877
  74.5 (0.846350468616874%)

NIFTYPSUBANK

Nifty PSU Bank
4000.75
  -54.6999999999998 (-1.34880222909911%)

NIFTYHIGHBETA

Nifty High Beta 50
2283.77
  19.5300000000002 (0.86254107338446%)

NIFTYHOUSING

Nifty Housing Index
8420.19
  110.290000000001 (1.32721212048281%)

NT100ALP30

NIFTY100 Alpha 30
13048.48
  185.779999999999 (1.44433128347858%)

SNXT50

S&P Bse Sensex Next 50
50793.01
  576.090000000004 (1.14720297461495%)

BANKEX

S&P Bse Bankex
49348.18
  230.790000000001 (0.46987431539014%)

BSE500

S&P Bse 500
25406.76
  215.489999999998 (0.855415387949865%)

BSE100

S&P Bse 100
19081.7
  156.100000000002 (0.824808724690373%)

BSEPSU

S&P Bse PSU
10021.1
  13.4600000000009 (0.134497244105503%)

MID150

S&P Bse 150 MidCap
9162.23
  86.7199999999993 (0.955538586812188%)

BSE200

S&P Bse 200
8117.4
  71.8299999999999 (0.892789448106224%)

LMI250

S&P Bse 250 LargeMidCap
7666.93
  66.5799999999999 (0.876012288907746%)

ALLCAP

S&P Bse Allcap
7293.89
  61.8600000000006 (0.855361496011509%)

LRGCAP

S&P Bse LargeCap
7252.33
  62.1899999999996 (0.864934479718049%)

MSL400

S&P Bse 400 MidSmallCap
6943.23
  57.5899999999992 (0.836378317774367%)

BHRT22

S&P Bse Bharat 22 Index
4798.93
  22.6400000000003 (0.47400806902429%)

SPBSMOIP

S&P Bse Momentum
1278.5
  17.0999999999999 (1.35563659426035%)

SPBSEVIP

S&P Bse Enhanced Value
474.51
  3.21999999999997 (0.683231131575024%)

FIN

S&P Bse Finance
9047.3
  51.2899999999991 (0.570141651687783%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
7624.13
  67.5799999999999 (0.894323467720048%)

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 %

15.84

Cost of Liabilities %

3.24040839722039

PEG Ratio

0.01

Advances Growth %

10.0318016405684

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2022 63.97 0
Jun 2022 63.97 0
Mar 2022 63.97 0
Dec 2021 63.97 0
Sep 2021 63.97 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 41.4560900307567% of total deposits.
  • Good Capital Adequacy Ratio of 15.84%.
  • The company has delivered good Profit growth of 155.988043843382% 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 49.2377207780876%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
Interest Earned 16691.53 17963 18173.61 18937.49 21254.23
Other Income 3579.21 2519.26 2522.29 1182.03 1825.8
Interest Expended 9125.56 9410.97 9561.94 10099.1 11079.77
Operating Expenses 5475.62 5587.96 5498.82 5492.9 5969.31
Total Provisions 2753.59 2507.04 3736.38 1684.8 1627.46
Profit Before Tax 2915.97 2976.29 1898.76 2842.72 4403.49
Tax 828.12 779.26 119.99 674.59 1090.07
Net Profit 2087.85 2197.03 1778.77 2168.13 3313.42
Net NPA % 2.83 2.25 1.72 1.58 1.16
Gross NPA % 8.11 7.25 6.61 6.26 5.31
Return on Assets % 0.73 0.74 0.57 0.68 1.01
NPM % 12.51 12.23 9.79 11.45 15.59

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 Sep 2021% Dec 2021% Mar 2022% Jun 2022% Sep 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 Sep 2021% Dec 2021% Mar 2022% Jun 2022% Sep 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
hdfc trustee compa... - - - - -
merrill lynch mark... - - - - 3.17
theleme master fun... 3.03 3.03 2.85 - -
icici prudential m... 2.97 - 3.00 - -
reliance etf - jun... - - - - -
nippon life india ... - - - - -
icici prudential v... - 1.95 - - -
aditya birla sun l... - - - - 2.10
bnp paribas arbitr... - - - - -
nippon life india ... - - - - -
icici prudential e... - - - - -
nippon life india ... - - - - -
icici prudential l... - - - - -
icici prudential v... - - - - 1.48
kotak bluechip fund - - - - -
icici prudential l... - - - - -
edgbaston asian eq... 1.01 - 1.10 - -
copthall mauritius... - - - 1.05 -
kotak mahindra tru... - - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Bank of Baroda launches ‘bob World Kisan’ app28 Nov 2022, 3:30PM Bank of Baroda partners with Aerem Solutions, Aerem Finance22 Nov 2022, 4:59PM Bank of Baroda launches ‘Baroda Tiranga Plus Deposit Scheme’16 Nov 2022, 10:08AM Bank of Baroda cuts home loan rates by 25 basis points 14 Nov 2022, 12:57PM Bank Of Baroda informs about press release5 Nov 2022, 2:16PM Bank Of Baroda - Quaterly Results5 Nov 2022, 1:11PM Bank Of Baroda - Quaterly Results5 Nov 2022, 1:11PM Bank Of Baroda - Quaterly Results5 Nov 2022, 1:11PM Bank of Baroda along with Visa launches two new premium debit cards1 Nov 2022, 3:28PM Bank Of Baroda informs about disclosure22 Oct 2022, 12:30PM Bank of Baroda launches ‘bob World Benefits’22 Oct 2022, 11:40AM Bank of Baroda enables digital loans through account aggregator framework7 Oct 2022, 11:59AM Bank of Baroda gets CCI’s nod to buy additional stake in IndiaFirst Life Insurance1 Oct 2022, 5:32PM Bank of Baroda launches annual festive campaign ‘Khushiyon ka Tyohaar’27 Sep 2022, 5:46PM Bank of Baroda launches 'Baroda Tiranga Deposit Scheme'26 Sep 2022, 5:29PM Bank of Baroda raises Rs 2474 crore through bonds2 Sep 2022, 6:01PM Bank Of Baroda informs about credit rating25 Aug 2022, 4:57PM Bank of Baroda launches bob World Yoddha Debit Card 25 Aug 2022, 4:32PM Bank of Baroda gets nod to raise Rs 2500 crore23 Aug 2022, 9:58AM Bank of Baroda raises Rs 1000 crore through bonds18 Aug 2022, 12:08PM Bank of Baroda unveils ‘Baroda Tiranga Deposit Scheme’17 Aug 2022, 2:10PM Bank Of Baroda informs about revision in MCLR10 Aug 2022, 4:12PM Bank of Baroda enters into co-lending partnership with Clix Capital3 Aug 2022, 9:40AM Bank Of Baroda informs about disclosure1 Aug 2022, 5:12PM Bank Of Baroda informs about cessation of director1 Aug 2022, 2:48PM Bank of Baroda gets nod to sell 12.50% stake in IndiaFirst1 Aug 2022, 12:00PM Bank of Baroda reports 64% rise in Q1 consolidated net profit1 Aug 2022, 11:20AM Bank Of Baroda - Quaterly Results30 Jul 2022, 3:06PM Bank Of Baroda - Quaterly Results30 Jul 2022, 3:06PM Bank Of Baroda - Quaterly Results30 Jul 2022, 3:06PM Bank of Baroda gets nod to raise Rs 1000 crore18 Jul 2022, 9:21AM Bank of Baroda mulling to raise capital by issuing long term bonds8 Jul 2022, 11:51AM Bank of Baroda inks MoU with Indian Air Force 7 Jul 2022, 10:39AM 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 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 69880.7803 Cr. revenue in the latest financial year. It has posted decent revenue growth of 11.9767300534644 % in last 3 Years.

  • In terms of advances, the bank reported 10.0318016405684 % YOY,  rise . If you see 3 years advance growth, it stands at 18.3498181663698 %.

  • Currently the company has a CASA ratio of 41.4560900307567 %. It’s overall cost of liability stands at 3.24040839722039 %. Also, the total deposits from these accounts stood at Rs 1045938.56 Cr.

  • The Bank has a Poor ROA track record. The ROA of Bank Of Baroda is at 0.597714093946699 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 6.61 % and 1.72 % 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 -16.8820959675332 % 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 decreased and is currently at Rs 11483.9503 Cr.

  • The company has a Good Capital Adequacy Ratio of 15.84 .

  • 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 0.936 . The historical average PB was 0.66062979208146.

Brief about Bank Of Baroda

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