Bank Of Baroda - Stock Valuation and Financial Performance

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

Bank Of Baroda Share Price

250.75 -6.00 -2.34%
as on 12-Jul'24 16:01

DeciZen - make an informed investing decision on Bank Of Baroda

Overall Rating
Bole Toh

1. Quality

2. Valuation

Somewhat overvalued

3. Price Trend

Bank Of Baroda stock performance -

mw4me loader
P/E Ratio (SA):
Market Cap:
1,29,671.9 Cr.
52-wk low:
52-wk high:

Is Bank Of Baroda an attractive stock to invest in?

1. 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.

2. 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.

3. Is Bank Of Baroda a good buy now?

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

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

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

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Bank Of Baroda has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Net Interest Income (₹ Cr.)13,18712,74013,51315,52218,48027,45128,80932,62141,35644,72244,722
YoY Gr. Rt. %--3.4%6.1%14.9%19.1%48.5%5%13.2%26.8%8.1%-
Total Income47,36649,06048,95850,30656,06586,30183,42981,36599,6141,27,1011,27,101
YoY Gr. Rt. %-3.6%-0.2%2.8%11.5%53.9%-3.3%-2.5%22.4%27.6%-
Adj EPS (₹ ) 15.4-23.46-
YoY Gr. Rt. %--252.4%NA-253.2%NA-28.1%35.6%778.8%94%26.1%-
BVPS (₹ )175.7156.6159.4152.1156.6142.4149166.1189.9217217
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 (%)0.5-0.80.2-
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%)
To view Capital Adequacy Ratio (%) Colour Rating Guide click here
Capital Adequacy Ratio (%)-----------


CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income14.5%19.3%15.8%8.1%
Total Income11.6%17.8%15.1%27.6%
Adj EPS9.4%83.8%178.1%26.1%
Share Price 4.8% 14.8% 43.6% 27.2%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Interest Earned / Total Income90.7189.8186.286.7788.7788.0484.585.8989.9488.688.6
Margins To view Margins Colour Rating Guide click here
NIM (%)1.9222.
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)9.2-14.43.8-
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here
CASA (%)26.426.432.235.83535.340.241.539.538.8-

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 15.90%

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 (₹) 34.4 36.3
TTM Sales (₹ Cr.) 1,12,606 1,18,379
BVPS (₹.) 217 231.5
Reserves (₹ Cr.) 1,11,188 1,18,677
P/BV 1.16 1.08
PE 7.29 6.91
From the Market
52 Week Low / High (₹) 185.75 / 298.45
All Time Low / High (₹) 6.02 / 298.45
Market Cap (₹ Cr.) 1,29,672
Equity (₹ Cr.) 1,034.3
Face Value (₹) 2
Industry PE 12

Management X-Ray of Bank Of Baroda:

Shareholding Pattern

Promoter's Holding & Share Pledging

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

Event Update

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Analyst's Notes

Key Ratios of Bank Of Baroda

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
Income 47,36649,06048,95850,30656,06586,30183,42981,36599,6141,27,101
Interest Income 42,96444,06142,20043,64949,77175,98470,49569,88189,5891,12,606
Other Income 4,4024,9996,7586,6576,29410,31712,93411,48410,02614,495
Expenditure 43,96754,45647,57552,73855,63285,75582,60074,09285,5051,09,313
Interest Expense 29,77631,32128,68728,12731,29048,53241,68637,25948,23367,884
Operating Expenses 7,6748,9239,29610,17311,28818,87220,54421,71624,51828,252
Profit Before Tax5,421-6,6982,473-2,791698-1,8025,5569,38619,72724,890
Taxes 2,022-1,3031,090-359265-2,3484,7272,1145,6177,101
Profit After Tax 3,398-5,3961,383-2,4324345468297,27214,11017,789
Adjusted EPS (₹)15.37-23.426.00-9.191.641.181.6014.0627.2834.40
Dividend Payout Ratio (%)21%0%20%0%0%0%0%20%20%22%

Balance Sheet

(All Figures are in Crores.)

Equity and Liabilities

Share Capital 4444624625305309251,0361,0361,0361,036
Total Reserves 39,39239,73739,84142,86445,41170,93176,01084,87497,1871,11,188
Minority Interest0000000000
Borrowings 35,26433,47230,61162,57267,20193,06966,8481,03,8991,01,91094,402
Other Liabilities 22,32923,66822,28622,71829,15547,00644,47442,25254,74052,213
Total Liabilities 7,14,9896,71,3766,94,8757,20,0007,80,98711,57,91611,55,36512,78,00014,58,56215,85,797


Balance with RBI 22,48921,67222,78022,70026,66232,64638,84171,18454,88354,840
Balance with Banks1,25,8651,12,2281,27,69070,19862,56889,25581,57251,47140,82140,284
Investments 1,16,8121,20,4511,29,6311,63,1851,82,2982,74,6152,61,2203,15,7953,62,4853,69,817
Advances 4,28,0653,83,7703,83,2594,27,4324,68,8196,90,1217,06,3017,77,1559,40,99810,65,782
Net Block 2,8756,2545,7585,3676,9908,8898,0169,9228,7077,913
Other Assets18,88327,00225,75731,11933,65162,39059,41552,47250,66847,162
Total Assets 7,14,9896,71,3766,94,8757,20,0007,80,98711,57,91611,55,36512,78,00014,58,56215,85,797

Cash Flow

(All Figures are in Crores.)
Cash Flow From Operating Activity 18,021-9,84217,194-61,088-4,120930-4,6097,529-19,747-5,457
Cash Flow From Investing Activity -539-3,995-426-563-3,957141-269-3,967-1,563-575
Cash Flow From Financing Activity -6-616-1984,0794,40914,5903,390-1,319-5,6425,452
Net Cash Flow 17,475-14,45316,570-57,573-3,66815,660-1,4882,242-26,952-579

Operational & Financial Ratios

EPS (₹)15-236-9212142734
DPS (₹)3010000368
BVPS (₹)176157159152157142149166190217

Margin Ratios

Yield on Advances (%)10.011.511.010.210.611.
Yield on Investments (%)8.99.810.
Cost of Liabilities (%)
NIM (%)
Interest Spread (%)

Performance Ratios

ROA (%)0.5-0.80.2-
ROE (%)9.2-14.43.8-
ROCE (%)10.3-6.26.1-

Efficiency Ratios

Cost to Income Ratio (%)43.650.345.945.945.650.
Operating Costs to Assets (%)

Valuation Parameters


Bank Of Baroda Stock News

Bank Of Baroda FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Bank Of Baroda on 12-Jul-2024 16:01 is ₹250.8.
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 12-Jul-2024 16:01 the market cap of Bank Of Baroda stood at ₹1,29,671.9.
The latest P/E ratio of Bank Of Baroda as of 12-Jul-2024 16:01 is 7.29.
The latest P/B ratio of Bank Of Baroda as of 12-Jul-2024 16:01 is 1.16.
The 52-week high of Bank Of Baroda is ₹298.4 and the 52-week low is ₹185.8.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Bank Of Baroda is ₹1,12,606 ( 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


  • 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.


  • 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.


  • 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.


  • 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.


  • 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.


  • ‘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.


  • 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’.
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