Is Bank Of Baroda a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Bank Of Baroda is a average quality company .

Is Bank Of Baroda undervalued or overvalued?

The key valuation ratios of Bank Of Baroda's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone .

What is Bank Of Baroda share price return in the past 10 years?

Bank Of Baroda share price has appreciated 3.1% annually (CAGR) over the past ten years.

Is Bank Of Baroda a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of Bank Of Baroda is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

Bank Of Baroda - Stock Valuation and Financial Performance

Name: Bank Of Baroda
Brand: Bank Of Baroda

BSE: 532134 | NSE: BANKBARODA | Bank - Public | Large Cap

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Bank Of Baroda Share Price

₹257.80 5.05 2.00%
as on 05-Nov'24 00:00

10 Year X-Ray of Bank Of Baroda:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis ^P

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Net Interest Income (₹ Cr.)	13,187	12,740	13,513	15,522	18,480	27,451	28,809	32,621	41,356	44,722	46,116
YoY Gr. Rt. %	-	-3.4%	6.1%	14.9%	19.1%	48.5%	5%	13.2%	26.8%	8.1%	-
Total Income	47,366	49,060	48,958	50,306	56,065	86,301	83,429	81,365	99,614	1,27,101	1,32,751
YoY Gr. Rt. %	-	3.6%	-0.2%	2.8%	11.5%	53.9%	-3.3%	-2.5%	22.4%	27.6%	-
Adj EPS (₹ )	15.4	-23.4	6	-9.2	1.6	1.2	1.6	14.1	27.3	34.4	37.1
YoY Gr. Rt. %	-	-252.4%	NA	-253.2%	NA	-28.1%	35.6%	778.8%	94%	26.1%	-
BVPS (₹ )	175.7	156.6	159.4	152.1	156.6	142.4	149	166.1	189.9	217	244.7
YoY Gr. Rt. %	-	-10.9%	1.8%	-4.6%	3%	-9.1%	4.7%	11.5%	14.3%	14.3%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	0.5	-0.8	0.2	-0.3	0.1	0.1	0.1	0.6	1	1.2	1.1
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	1.9	5.1	4.7	5.5	3.3	3.1	3.1	1.7	0.9	0.7	0.6
To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	-	-	-	-	-	-	-	-	-	-	-

CAGR ⓘ

CAGR Colour Code Guide ⓘ

	9 Years	5 Years	3 Years	1 Years
Net Interest Income	14.5%	19.3%	15.8%	8.1%
Total Income	11.6%	17.8%	15.1%	27.6%
Adj EPS	9.4%	83.8%	178.1%	26.1%
BVPS	2.4%	6.7%	13.4%	14.3%
Share Price	3.1%	21%	36%	31.8%

Key Financial Ratios


RATIOS \ YEARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Interest Earned / Total Income	90.71	89.81	86.2	86.77	88.77	88.04	84.5	85.89	89.94	88.6	88.9
Margins	To view Margins Colour Rating Guide click here ⓘ
NIM (%)	1.9	2	2	2.3	2.5	2.5	2.7	2.7	3	2.9	2.8
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	9.2	-14.4	3.8	-6.3	1.1	1	1.2	8.9	15.3	16.9	14.3
Liquidity Ratio	To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)	26.4	26.4	32.2	35.8	35	35.3	40.2	41.5	39.5	38.8	-

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 16.00%

Total Income has increased 15.07 CAGR in last 3 years

Net Profit has increased 178.06 CAGR in last 3 years

Net NPA to Net Advances has declined versus last 3 years average

Total income growth is good in last 4 quarters

No data to display

Latest Financials - Bank Of Baroda

	Standalone	Consolidated
TTM EPS (₹)	37.1	38.7
TTM Sales (₹ Cr.)	1,18,081	1,24,144
BVPS (₹.) ⓘ	244.7	261.4
Reserves (₹ Cr.) ⓘ	1,25,504	1,34,138
P/BV ⓘ	1.05	0.99
PE ⓘ	6.96	6.66

From the Market
52 Week Low / High (₹)	190.60 / 298.45
All Time Low / High (₹)	6.02 / 298.45
Market Cap (₹ Cr.)	1,33,318
Equity (₹ Cr.)	1,034.3
Face Value (₹)	2
Industry PE ⓘ	10.5

Management X-Ray of Bank Of Baroda:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of Bank Of Baroda

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Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

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Key Ratios of Bank Of Baroda

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Income	47,366	49,060	48,958	50,306	56,065	86,301	83,429	81,365	99,614	1,27,101
Interest Income	42,964	44,061	42,200	43,649	49,771	75,984	70,495	69,881	89,589	1,12,606
Other Income ⓘ	4,402	4,999	6,758	6,657	6,294	10,317	12,934	11,484	10,026	14,495
Expenditure	43,967	54,456	47,575	52,738	55,632	85,755	82,600	74,092	85,505	1,09,313
Interest Expense	29,776	31,321	28,687	28,127	31,290	48,532	41,686	37,259	48,233	67,884
Operating Expenses	7,674	8,923	9,296	10,173	11,288	18,872	20,544	21,716	24,518	28,252
Provisions	6,517	14,211	9,592	14,437	13,053	18,350	20,370	15,117	12,754	13,176
Profit Before Tax	5,421	-6,698	2,473	-2,791	698	-1,802	5,556	9,386	19,727	24,890
Taxes	2,022	-1,303	1,090	-359	265	-2,348	4,727	2,114	5,617	7,101
Profit After Tax	3,398	-5,396	1,383	-2,432	434	546	829	7,272	14,110	17,789
Adjusted EPS (₹)	15.37	-23.42	6.00	-9.19	1.64	1.18	1.60	14.06	27.28	34.40
Dividend Payout Ratio (%)	21%	0%	20%	0%	0%	0%	0%	20%	20%	22%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Equity and Liabilities
Share Capital ⓘ	444	462	462	530	530	925	1,036	1,036	1,036	1,036
Total Reserves ⓘ	39,392	39,737	39,841	42,864	45,411	70,931	76,010	84,874	97,187	1,11,188
Minority Interest	0	0	0	0	0	0	0	0	0	0
Deposits	6,17,560	5,74,038	6,01,675	5,91,315	6,38,690	9,45,984	9,66,997	10,45,939	12,03,688	13,26,958
Borrowings ⓘ	35,264	33,472	30,611	62,572	67,201	93,069	66,848	1,03,899	1,01,910	94,402
Other Liabilities	22,329	23,668	22,286	22,718	29,155	47,006	44,474	42,252	54,740	52,213
Total Liabilities ⓘ	7,14,989	6,71,376	6,94,875	7,20,000	7,80,987	11,57,916	11,55,365	12,78,000	14,58,562	15,85,797
Assets
Balance with RBI	22,489	21,672	22,780	22,700	26,662	32,646	38,841	71,184	54,883	54,840
Balance with Banks	1,25,865	1,12,228	1,27,690	70,198	62,568	89,255	81,572	51,471	40,821	40,284
Investments ⓘ	1,16,812	1,20,451	1,29,631	1,63,185	1,82,298	2,74,615	2,61,220	3,15,795	3,62,485	3,69,817
Advances	4,28,065	3,83,770	3,83,259	4,27,432	4,68,819	6,90,121	7,06,301	7,77,155	9,40,998	10,65,782
Net Block ⓘ	2,875	6,254	5,758	5,367	6,990	8,889	8,016	9,922	8,707	7,913
Other Assets	18,883	27,002	25,757	31,119	33,651	62,390	59,415	52,472	50,668	47,162
Total Assets ⓘ	7,14,989	6,71,376	6,94,875	7,20,000	7,80,987	11,57,916	11,55,365	12,78,000	14,58,562	15,85,797

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Cash Flow From Operating Activity ⓘ	18,021	-9,842	17,194	-61,088	-4,120	930	-4,609	7,529	-19,747	-5,457
Cash Flow From Investing Activity ⓘ	-539	-3,995	-426	-563	-3,957	141	-269	-3,967	-1,563	-575
Cash Flow From Financing Activity ⓘ	-6	-616	-198	4,079	4,409	14,590	3,390	-1,319	-5,642	5,452
Net Cash Flow ⓘ	17,475	-14,453	16,570	-57,573	-3,668	15,660	-1,488	2,242	-26,952	-579

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational & Financial Ratios
EPS (₹)	15	-23	6	-9	2	1	2	14	27	34
DPS (₹)	3	0	1	0	0	0	0	3	6	8
BVPS (₹)	176	157	159	152	157	142	149	166	190	217
Margin Ratios
Yield on Advances (%)	10.0	11.5	11.0	10.2	10.6	11.0	10.0	9.0	9.5	10.6
Yield on Investments (%)	8.9	9.8	10.2	7.5	7.6	7.6	7.8	6.4	6.4	7.1
Cost of Liabilities (%)	4.6	5.2	4.5	4.3	4.4	4.7	4.0	3.2	3.7	4.8
NIM (%)	1.9	2.0	2.0	2.3	2.5	2.5	2.7	2.7	3.0	2.9
Interest Spread (%)	5.5	6.3	6.5	5.9	6.2	6.3	6.0	5.8	5.8	5.8
Performance Ratios
ROA (%)	0.5	-0.8	0.2	-0.3	0.1	0.1	0.1	0.6	1.0	1.2
ROE (%)	9.2	-14.4	3.8	-6.3	1.1	1.0	1.2	8.9	15.3	16.9
ROCE (%)	10.3	-6.2	6.1	-0.8	3.9	2.2	6.3	8.0	13.5	16.2
Efficiency Ratios
Cost to Income Ratio (%)	43.6	50.3	45.9	45.9	45.6	50.0	49.2	49.2	47.7	47.7
Operating Costs to Assets (%)	1.1	1.3	1.3	1.4	1.5	1.6	1.8	1.7	1.7	1.8
Valuation Parameters
Price/Book(x)	0.9	0.9	1.1	0.9	0.8	0.4	0.5	0.7	0.9	1.2

Bank Of Baroda Stock News

Bank Of Baroda FAQs

What is the share price of Bank Of Baroda?

Company share prices are keep on changing according to the market conditions. The closing price of Bank Of Baroda on 05-Nov-2024 00:00 is ₹257.8.

What is the market cap of Bank Of Baroda?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 05-Nov-2024 00:00 the market cap of Bank Of Baroda stood at ₹1,33,317.7.

What is the P/E ratio of Bank Of Baroda?

The latest P/E ratio of Bank Of Baroda as of 05-Nov-2024 00:00 is 6.96.

What is the P/B ratio of Bank Of Baroda?

The latest P/B ratio of Bank Of Baroda as of 05-Nov-2024 00:00 is 1.05.

What is the 52-week high and low of Bank Of Baroda?

The 52-week high of Bank Of Baroda is ₹298.4 and the 52-week low is ₹190.6.

What is the TTM revenue of Bank Of Baroda?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Bank Of Baroda is ₹1,18,081 ( Cr.) .

About Bank Of Baroda

Bank of Baroda (BoB) was founded by Maharaja Sayajirao Gaekwad in July 1908. The bank is an Indian state-owned International banking and financial services company headquartered in Vadodara (earlier known as Baroda) in Gujarat, India. Its headquarters is in Vadodara and it has a corporate office in the Mumbai. Vijaya Bank and Dena Bank amalgamated into Bank of Baroda with effect from April 1, 2019. The amalgamation provides significant long-term benefits to the Bank and its customers.

The bank has been investing in technology to improve customer experience. Initiatives such as digitising account opening through TAB Banking, revamping its mobile application, centralisation of back office operations, setting up an Analytics Centre of Excellence (ACoE) and Baroda Kisan platform for its farmers are efforts in that direction. It is expanding its digital focus even further with setting up of a dedicated Digital Lending Department which will exclusively cater to digital on-boarding and processing of loans for Retail and MSME customers using internal and external sources of information and state-of-the-art machine learning and algorithms.

The Bank is proactive in its approach towards empowering the unbanked segment by offering suitable financial products & services and making them financially literate. The Bank is consistently working towards strengthening the financial inclusion initiatives by leveraging the Government’s Digital programmes.

Business area of the bank

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.

Awards and Accolades

2013-14:

Best Public Sector Bank under the category ‘Global Business Development’ by Dun & Bradstreet - Polaris Financial Technology Banking Awards 2013.
Banking Technology Excellence Award 2013 among PSBs by IDRBT.
MSME Banking Excellence Award-2013 as the Best Bank in MSME by the Chamber of Indian Micro Small and Medium Enterprises.
‘Excellence in Home Loan Banking’ Award by My FM Stars of the Industry.

2014-15:

Bank was awarded ‘Best PSU for MSME’ by India SME Forum at New Delhi.
The Bank of Baroda awarded Skoch Order of Merit in India’s Best 2014 Financial Inclusion & Deepening Awards 2014 by Skoch Consultancy Services.
Bank Ranked 21st amongst Best Indian Brands 2014 in Brand Equity - The Economic Times.

2015-16:

Bank of Baroda was conferred BML Munjal award in Public Sector Category for ‘Business Excellence Through Learning & Development – 2015’ at an award function held in New Delhi.
Bank was awarded HR Excellence Award by Businessworld for ‘Best initiative for Engaging Superannuated Employees’.
Bank was conferred the Best Public Sector Bank under the category ‘Global Business’ at the Dun & Bradstreet Banking Awards 2015.
Bank of Baroda was awarded as First Runner up for ‘Best Financial Inclusion Initiative’ in the category of Large Banks by IBA during Banking Technology Awards 2016 at Mumbai.

2016-17:

Bank was awarded 2nd prize by Maharashtra State Level Bankers Committee in the area of Official Language Implementation during 2015-16 under Rajbhasha Shield Yojana under Public sector Category held in Pune.
Bank ranked 21st amongst Best Indian Brands 2016 in Brand Equity - The Economic Times.

2017-18:

Bank was awarded ‘Makers of Excellence Award’ under APY by Pension Fund Regulatory and Development Authority (PFRDA), Government of India.
Finnoviti 2018 Award for Financial Inclusion by Banking Frontiers.
Winner Award in ‘Agricultural Banking’ in the Large Bank category by ASSOCHAM in Annual banking cum Social Banking Excellence Award of 2017.
Silver Award for Best Social Media Brands under Bank category for 2017 by Social Samosa an Indian knowledge repository website on Social Media.

2018-19:

‘Best Banking & Finance Legal Team of the Year’ award at the 8th Annual Indian Legal Era Awards 2018-19.
Leadership Capital and Out Performers awards at Atal Pension Yojana Awards 2018-19.
‘Best Home Loan Products 2018’ at FE Best Banks Award 2018.
‘Best PSU Bank under MSME’ & Best Bank Agriculture’ finance at Divya Bhaskar Eminence Awards 2018.
Best Performing Bank at the UIDAI's Aaadhar Excellence Awards 2018.

2019-20:

Bank awarded ‘National award for SHG bank linkage 2018-19’ by DAY-NRLM, Government at New Delhi.
Award from ‘Governance Now’ in 4th India Banking Reforms Conclave and BFSI Awards 2019 at Mumbai.
Bank awarded ‘The Experience Advantage for Delivering Lasting Moments’ (customer interactions) in the PSU category by Kantar IMRB.
Bank bagged Silver at SAMMIE 2019 - Best Social Media Brand Award (BFSI - banking category).
Bank was awarded the ‘Global - Lowest Gross Fraud (Issuer)’ by Visa at the Global Service Quality Awards 2018.
Bank received the IPE award for ‘Best Practices in CSR Awards-2020’ For Livelihood Initiative.
The Bank was awarded the FINNOVITI 2020 Award for its sound based payment system - ‘TONETAG’.