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Bank Of Baroda

₹279.4 -5.8 | 2.1%

Market Cap ₹144462 Cr.

Stock P/E 7.7

P/B 1.2

Current Price ₹279.4

Book Value ₹ 231.5

Face Value 2

52W High ₹298.5

Dividend Yield 2.72%

52W Low ₹ 185.7

Bank Of Baroda Research see more...

Overview Inc. Year: 1911Industry: Bank - Public

Bank of Baroda is engaged in banking and financial services in India. Its segments encompass Treasury, Corporate / Wholesale Banking, Retail Banking and Other Banking Operations. Its geographical section consists of Domestic Operations and Foreign Operations. It offers personal banking services, which include current accounts, savings account and term deposits. It offers various virtual products, which includes instant banking, such as Internet banking, cellular banking, cards, WhatsApp banking, digital signage structures (DSS), self-service passbook printers, and automatic teller machines (ATMs). It gives various loans, consisting of personal loan, home loan, vehicle loan, fintech, education loan, and gold loan. It offers service provider payment solutions, Baroda DigiNext Cash Management Services, BarodaINSTA SmartTrade, Bharat Bill Pay, Bhim Adhaar Baroda Pay and Internet Payment Gateway. It has 8,185 branches and 11,535 ATMs and cash recyclers supported by using self-carrier channels..

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Bank Of Baroda Share Price

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Bank Of Baroda Quarterly Results

#(Fig in Cr.) Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Interest Earned 18722 19097 20048 22424 24834 27196 28003 29263 30042 31072
Other Income 3351 3373 1528 3896 5519 5332 5316 6503 5042 6538
Total Income 22073 22470 21577 26320 30353 32528 33318 35766 35084 37611
Interest Expense 9800 9956 10496 11495 13161 14790 16060 17528 18002 18309
Operating Expenditure 6292 6190 6798 7891 7472 8483 7762 8430 8653 9491
Provisions and contingencies 2688 4315 1411 2517 3540 2158 3278 3785 1903 2777
Operating Profit 3292 2010 2871 4418 6179 7096 6217 6023 6526 7033
Profit Before Tax 3292 2010 2871 4418 6179 7096 6217 6023 6526 7033
Provision for Tax 844 122 732 1146 2013 1986 1915 1680 1778 2017
Profit After Tax 2448 1888 2139 3272 4166 5110 4302 4343 4748 5016
Adjustments 16 143 -195 128 140 145 150 51 40 116
Profit After Adjustments 2464 2032 1944 3400 4306 5255 4452 4394 4789 5132
Adjusted Earnings Per Share 4.8 3.9 3.8 6.6 8.3 10.1 8.6 8.5 9.2 9.9

Bank Of Baroda Profit & Loss

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Interest Earned 40463 44915 45799 44473 46056 52906 78895 74314 73385 94503 118379 118380
Other Income 5555 5449 5992 7937 7992 7887 12191 15254 14395 16275 23399 23399
Total Income 46018 50364 51791 52410 54049 60793 91086 89568 87780 110778 141779 141779
Interest Expense 27604 30547 32107 29596 29160 32506 50040 43201 38815 49942 69899 69899
Operating Expenditure 7592 8604 9962 10350 11327 12769 21371 23117 24839 30644 34337 34336
Provisions and contingencies 4825 5230 15954 9440 15667 13994 20909 16876 14118 9627 11743 11743
Operating Profit 5996 5983 -6233 3024 -2106 1525 -1234 6373 10008 20565 25799 25799
Profit Before Tax 5996 5983 -6233 3024 -2106 1525 -1234 6373 10008 20565 25799 25799
Provision for Tax 1065 2151 -1180 1247 -194 438 -2176 4919 2308 5877 7390 7390
Profit After Tax 4931 3833 -5053 1777 -1912 1087 942 1454 7700 14688 18410 18409
Adjustments 69 79 -15 38 25 13 -14 94 149 217 358 357
Profit After Adjustments 5001 3912 -5068 1815 -1887 1100 928 1548 7850 14905 18767 18767
Adjusted Earnings Per Share 23.3 17.7 -22 7.9 -7.1 4.2 2 3 15.2 28.8 36.3 36.2

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 25% 17% 17% 11%
Operating Profit CAGR 25% 59% 76% 16%
PAT CAGR 25% 133% 76% 14%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 41% 50% 19% 5%
ROE Average 16% 13% 9% 5%
ROCE Average 16% 12% 9% 7%

Bank Of Baroda Balance Sheet

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Shareholder's Funds 37847 42018 42503 43068 46566 54996 76104 82390 91868 105055 119712
Minority's Interest 158 187 194 233 273 341 386 436 758 995 1018
Deposits 579997 629981 586690 617257 607451 665589 973228 995910 1075804 1234682 1351802
Borrowings 36976 35502 33845 31242 64860 68868 95753 71263 109526 107910 101959
Other Liabilities & Provisions 21136 26290 27947 27422 28655 29878 54471 52677 62181 77238 80288
Total Liabilities 676114 733977 691179 719221 747805 819672 1199942 1202676 1340137 1525879 1654779
Cash and balance with RBI 19445 23557 22811 23915 24035 28225 34245 40154 72775 56696 56720
Bank Balance 114911 128074 114188 130200 73388 69659 96760 88507 57454 45677 43570
Investments 122113 124739 128894 140716 175137 195716 289727 281859 347587 397487 407136
Advances 403715 435415 391486 392262 437941 484215 706540 723242 797281 963652 1088983
Fixed Assets 2849 2978 6359 5930 5532 7144 9044 8082 10057 8876 8036
Other Assets 13081 19213 27441 26197 31771 34712 63627 60696 54852 53410 50221
Total Assets 676114 733977 691179 719221 747805 819672 1199942 1202676 1340137 1525879 1654779

Bank Of Baroda Cash Flow

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Opening Cash & Cash Equivalents 87702 134356 151631 136999 154115 97423 97885 131005 128661 130229 102373
Cash Flow from Operating Activities 42233 17838 -10011 17865 -59692 -1449 1519 -887 6210 -21354 -6274
Cash Flow from Investing Activities -730 -556 -4005 -551 -414 -2537 -139 -471 -3645 -1096 -1285
Cash Flow from Financing Activities 5151 -6 -616 -198 3413 4449 14729 -986 -998 -5405 5476
Net Cash Inflow / Outflow 46654 17276 -14632 17116 -56692 462 16109 -2344 1567 -27855 -2084
Closing Cash & Cash Equivalent 134356 151631 136999 154115 97423 97885 131005 128661 130229 102373 100290

Bank Of Baroda Ratios

# Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Earnings Per Share (Rs) 23.29 17.69 -21.99 7.88 -7.13 4.16 2.01 2.99 15.18 28.82 36.29
CEPS(Rs) 24.68 19 -19.65 10.06 -3.82 7.69 5.71 5.37 17.6 32.23 38.76
DPS(Rs) 4.3 3.2 0 1.2 0 0 0 0 2.85 5.5 7.6
Book NAV/Share(Rs) 171.3 185.43 166.5 171.25 163.97 171.64 151.46 159.32 177.65 203.14 231.49
Yield on Advances 10.02 10.32 11.7 11.34 10.52 10.93 11.17 10.28 9.2 9.81 10.87
Yield on Investments 8.23 9.11 9.72 10.2 7.69 7.75 7.6 8.05 6.5 6.63 7.45
Cost of Liabilities 4.47 4.59 5.17 4.56 4.34 4.43 4.68 4.05 3.27 3.72 4.81
NIM (Net Interest Margin) 1.95 2.02 2.08 2.17 2.38 2.62 2.56 2.74 2.71 3.04 3.04
Interest Spread 5.55 5.73 6.52 6.77 6.18 6.5 6.49 6.23 5.93 6.09 6.06
ROA(%) 0.8 0.54 -0.71 0.25 -0.26 0.14 0.09 0.12 0.61 1.03 1.16
ROE(%) 14.1 9.85 -12.73 4.57 -4.62 2.45 1.63 1.91 8.84 14.92 16.38
ROCE(%) 11.49 10.69 -5.34 6.62 0.2 4.64 2.67 6.68 8.12 13.33 15.84
PER(x) 6.19 9.23 0 21.96 0 30.97 26.67 24.78 7.35 5.86 7.28
Price/Book(x) 0.84 0.88 0.88 1.01 0.87 0.75 0.35 0.47 0.63 0.83 1.14
Dividend Yield(%) 2.98 1.96 0 0.69 0 0 0 0 2.55 3.26 2.88
EV/Net Sales(x) 1.68 1.59 1.48 1.6 2.23 1.95 1.53 1.47 2.28 2.07 2.02
EV/Core EBITDA(x) 6.28 6.39 6.97 5.7 7.56 6.63 6.12 4.71 6.93 6.47 6.36
Interest Earned Growth(%) 11.03 11 1.97 -2.89 3.56 14.87 49.12 -5.81 -1.25 28.78 25.27
Net Profit Growth 3.81 -22.28 -231.84 135.17 -207.58 156.85 -13.33 54.31 429.63 90.75 25.34
Advances Growth 21.01 7.85 -10.09 0.2 11.65 10.57 45.91 2.36 10.24 20.87 13.01
EPS Growth(%) 2.11 -24.06 -224.34 135.81 -190.56 158.3 -51.71 49.05 407.19 89.88 25.91
Loans/Deposits(x) 6.38 5.64 5.77 5.06 10.68 10.35 9.84 7.16 10.18 8.74 7.54
Cash/Deposits(x) 0.03 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.07 0.05 0.04
Current Ratio(x) 0.21 0.2 0.22 0.23 0.29 0.29 0.3 0.28 0.32 0.32 0.3
Quick Ratio(x) 6.38 5.64 5.77 5.06 10.68 10.35 9.84 7.16 10.18 8.74 7.54
CASA % 25.83 26.43 26.42 32.09 35.63 34.61 35.03 39.8 41.14 39.24 38.59

Bank Of Baroda Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 63.97 63.97 63.97 63.97 63.97 63.97 63.97 63.97 63.97 63.97
FII 7.37 9.14 8.23 8.93 9.97 10.92 12.29 12.39 12.27 12.4
DII 14.65 15.08 16.85 18.91 17.95 17 16.03 16 16 16.3
Public 14 11.81 10.95 8.19 8.11 8.11 7.7 7.64 7.75 7.33
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 76% CAGR over last 5 years
  • Company has reduced debt.

Cons

  • Company has a low return on equity of 13% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Bank Of Baroda News

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