WEBSITE BSE:532134 NSE: BANKBARODA Inc. Year: 1911 Industry: Bank - Public
Last updated: 15:59
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 pa...Read More
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.. ...Read Less
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Market Cap ₹159407 Cr.
Stock P/E 7.8
P/B 1
Current Price ₹308.3
Book Value ₹ 307.3
Face Value 2
52W High ₹313.3
Dividend Yield 2.71%
52W Low ₹ 190.7
Price goes above X
Price falls below X
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PE falls below X
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| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 28003 | 29263 | 30042 | 31072 | 31143 | 31902 | 32570 | 32345 | 32866 | 33318 |
| Other Income | 5316 | 6503 | 5042 | 6538 | 4658 | 7553 | 5163 | 7551 | 5538 | 5116 |
| Total Income | 33318 | 35766 | 35084 | 37611 | 35801 | 39455 | 37732 | 39896 | 38404 | 38434 |
| Interest Expense | 16060 | 17528 | 18002 | 18309 | 18582 | 19266 | 20143 | 20273 | 20307 | 20191 |
| Operating Expenditure | 7762 | 8430 | 8653 | 9491 | 8437 | 8982 | 9158 | 10144 | 9512 | 9750 |
| Provisions and contingencies | 3278 | 3785 | 1903 | 2777 | 2442 | 3773 | 1497 | 2568 | 3416 | 1798 |
| Operating Profit | 6217 | 6023 | 6526 | 7033 | 6340 | 7434 | 6935 | 6911 | 5170 | 6695 |
| Profit Before Tax | 6217 | 6023 | 6526 | 7033 | 6340 | 7434 | 6935 | 6911 | 5170 | 6695 |
| Provision for Tax | 1915 | 1680 | 1778 | 2017 | 1759 | 1979 | 1818 | 1604 | 1818 | 1625 |
| Profit After Tax | 4302 | 4343 | 4748 | 5016 | 4580 | 5455 | 5117 | 5307 | 3352 | 5070 |
| Adjustments | 150 | 51 | 40 | 116 | 147 | -100 | 97 | 113 | 117 | 63 |
| Profit After Adjustments | 4452 | 4394 | 4789 | 5132 | 4728 | 5355 | 5214 | 5420 | 3469 | 5134 |
| Adjusted Earnings Per Share | 8.6 | 8.5 | 9.2 | 9.9 | 9.1 | 10.3 | 10.1 | 10.5 | 6.7 | 9.9 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 44915 | 45799 | 44473 | 46056 | 52906 | 78895 | 74314 | 73385 | 94503 | 118379 | 127945 | 131099 |
| Other Income | 5449 | 5992 | 7937 | 7992 | 7887 | 12191 | 15254 | 14395 | 16275 | 23399 | 24939 | 23368 |
| Total Income | 50364 | 51791 | 52410 | 54049 | 60793 | 91086 | 89568 | 87780 | 110778 | 141779 | 152884 | 154466 |
| Interest Expense | 30547 | 32107 | 29596 | 29160 | 32506 | 50040 | 43201 | 38815 | 49942 | 69899 | 78265 | 80914 |
| Operating Expenditure | 8604 | 9962 | 10350 | 11327 | 12769 | 21371 | 23117 | 24839 | 30644 | 34337 | 36721 | 38564 |
| Provisions and contingencies | 5230 | 15954 | 9440 | 15667 | 13994 | 20909 | 16876 | 14118 | 9627 | 11743 | 10280 | 9279 |
| Operating Profit | 5983 | -6233 | 3024 | -2106 | 1525 | -1234 | 6373 | 10008 | 20565 | 25799 | 27619 | 25711 |
| Profit Before Tax | 5983 | -6233 | 3024 | -2106 | 1525 | -1234 | 6373 | 10008 | 20565 | 25799 | 27619 | 25711 |
| Provision for Tax | 2151 | -1180 | 1247 | -194 | 438 | -2176 | 4919 | 2308 | 5877 | 7390 | 7160 | 6865 |
| Profit After Tax | 3833 | -5053 | 1777 | -1912 | 1087 | 942 | 1454 | 7700 | 14688 | 18410 | 20459 | 18846 |
| Adjustments | 79 | -15 | 38 | 25 | 13 | -14 | 94 | 149 | 217 | 358 | 257 | 390 |
| Profit After Adjustments | 3912 | -5068 | 1815 | -1887 | 1100 | 928 | 1548 | 7850 | 14905 | 18767 | 20716 | 19237 |
| Adjusted Earnings Per Share | 17.7 | -22 | 7.9 | -7.1 | 4.2 | 2 | 3 | 15.2 | 28.8 | 36.3 | 40.1 | 37.2 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 8% | 20% | 10% | 11% |
| Operating Profit CAGR | 7% | 40% | 0% | 17% |
| PAT CAGR | 11% | 39% | 85% | 18% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 35% | 18% | 33% | 9% |
| ROE Average | 15% | 16% | 11% | 5% |
| ROCE Average | 14% | 15% | 12% | 7% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 42018 | 42503 | 43068 | 46566 | 54996 | 76104 | 82390 | 91868 | 105055 | 119712 | 146503 |
| Minority's Interest | 187 | 194 | 233 | 273 | 341 | 386 | 436 | 758 | 995 | 1018 | 1248 |
| Deposits | 629981 | 586690 | 617257 | 607451 | 665589 | 973228 | 995910 | 1075804 | 1234682 | 1359980 | 1496688 |
| Borrowings | 35502 | 33845 | 31242 | 64860 | 68868 | 95753 | 71263 | 109526 | 107910 | 101959 | 135813 |
| Other Liabilities & Provisions | 26290 | 27947 | 27422 | 28655 | 29878 | 54471 | 52677 | 62181 | 77238 | 72110 | 81523 |
| Total Liabilities | 733977 | 691179 | 719221 | 747805 | 819672 | 1199942 | 1202676 | 1340137 | 1525879 | 1654779 | 1861774 |
| Cash and balance with RBI | 23557 | 22811 | 23915 | 24035 | 28225 | 34245 | 40154 | 72775 | 56696 | 56720 | 58191 |
| Bank Balance | 128074 | 114188 | 130200 | 73388 | 69659 | 96760 | 88507 | 57454 | 45677 | 43570 | 74287 |
| Investments | 124739 | 128894 | 140716 | 175137 | 195716 | 289727 | 281859 | 347587 | 397487 | 407136 | 427380 |
| Advances | 435415 | 391486 | 392262 | 437941 | 484215 | 706540 | 723242 | 797281 | 963652 | 1088983 | 1237240 |
| Fixed Assets | 2978 | 6359 | 5930 | 5532 | 7144 | 9044 | 8082 | 10057 | 8876 | 8036 | 12479 |
| Other Assets | 19213 | 27441 | 26197 | 31771 | 34712 | 63627 | 60696 | 54852 | 53410 | 50221 | 52043 |
| Total Assets | 733977 | 691179 | 719221 | 747805 | 819672 | 1199942 | 1202676 | 1340137 | 1525879 | 1654779 | 1861774 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 134356 | 151631 | 136999 | 154115 | 97423 | 97885 | 131005 | 128661 | 130229 | 102373 | 100290 |
| Cash Flow from Operating Activities | 17838 | -10011 | 17865 | -59692 | -1449 | 1519 | -887 | 6210 | -21354 | -6274 | 34892 |
| Cash Flow from Investing Activities | -556 | -4005 | -551 | -414 | -2537 | -139 | -471 | -3645 | -1096 | -1285 | -6494 |
| Cash Flow from Financing Activities | -6 | -616 | -198 | 3413 | 4449 | 14729 | -986 | -998 | -5405 | 5476 | 3790 |
| Net Cash Inflow / Outflow | 17276 | -14632 | 17116 | -56692 | 462 | 16109 | -2344 | 1567 | -27855 | -2084 | 32188 |
| Closing Cash & Cash Equivalent | 151631 | 136999 | 154115 | 97423 | 97885 | 131005 | 128661 | 130229 | 102373 | 100290 | 132478 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 17.69 | -21.99 | 7.88 | -7.13 | 4.16 | 2.01 | 2.99 | 15.18 | 28.82 | 36.29 | 40.06 |
| CEPS(Rs) | 19 | -19.65 | 10.06 | -3.82 | 7.69 | 5.71 | 5.37 | 17.6 | 32.23 | 38.76 | 42.28 |
| DPS(Rs) | 3.2 | 0 | 1.2 | 0 | 0 | 0 | 0 | 2.85 | 5.5 | 7.6 | 8.35 |
| Book NAV/Share(Rs) | 185.43 | 166.5 | 171.25 | 163.97 | 171.64 | 151.46 | 159.32 | 177.65 | 203.14 | 231.49 | 283.29 |
| Yield on Advances | 10.32 | 11.7 | 11.34 | 10.52 | 10.93 | 11.17 | 10.28 | 9.2 | 9.81 | 10.87 | 10.34 |
| Yield on Investments | 9.11 | 9.72 | 10.2 | 7.69 | 7.75 | 7.6 | 8.05 | 6.5 | 6.63 | 7.45 | 7.67 |
| Cost of Liabilities | 4.59 | 5.17 | 4.56 | 4.34 | 4.43 | 4.68 | 4.05 | 3.27 | 3.72 | 4.78 | 4.79 |
| NIM (Net Interest Margin) | 2.02 | 2.08 | 2.17 | 2.38 | 2.62 | 2.56 | 2.74 | 2.71 | 3.04 | 3.04 | 2.76 |
| Interest Spread | 5.73 | 6.52 | 6.77 | 6.18 | 6.5 | 6.49 | 6.23 | 5.93 | 6.09 | 6.09 | 5.55 |
| ROA(%) | 0.54 | -0.71 | 0.25 | -0.26 | 0.14 | 0.09 | 0.12 | 0.61 | 1.03 | 1.16 | 1.16 |
| ROE(%) | 9.85 | -12.73 | 4.57 | -4.62 | 2.45 | 1.63 | 1.91 | 8.84 | 14.92 | 16.38 | 15.37 |
| ROCE(%) | 10.69 | -5.34 | 6.62 | 0.2 | 4.64 | 2.67 | 6.68 | 8.12 | 13.33 | 15.84 | 14.41 |
| PER(x) | 9.23 | 0 | 21.96 | 0 | 30.97 | 26.67 | 24.78 | 7.35 | 5.86 | 7.28 | 5.7 |
| Price/Book(x) | 0.88 | 0.88 | 1.01 | 0.87 | 0.75 | 0.35 | 0.47 | 0.63 | 0.83 | 1.14 | 0.81 |
| Dividend Yield(%) | 1.96 | 0 | 0.69 | 0 | 0 | 0 | 0 | 2.55 | 3.26 | 2.88 | 3.66 |
| EV/Net Sales(x) | 1.59 | 1.48 | 1.6 | 2.23 | 1.95 | 1.53 | 1.47 | 2.28 | 2.07 | 2.02 | 1.98 |
| EV/Core EBITDA(x) | 6.39 | 6.97 | 5.7 | 7.56 | 6.63 | 6.12 | 4.71 | 6.93 | 6.47 | 6.36 | 6.7 |
| Interest Earned Growth(%) | 11 | 1.97 | -2.89 | 3.56 | 14.87 | 49.12 | -5.81 | -1.25 | 28.78 | 25.27 | 8.08 |
| Net Profit Growth | -22.28 | -231.84 | 135.17 | -207.58 | 156.85 | -13.33 | 54.31 | 429.63 | 90.75 | 25.34 | 11.13 |
| Advances Growth | 7.85 | -10.09 | 0.2 | 11.65 | 10.57 | 45.91 | 2.36 | 10.24 | 20.87 | 13.01 | 13.61 |
| EPS Growth(%) | -24.06 | -224.34 | 135.81 | -190.56 | 158.3 | -51.71 | 49.05 | 407.19 | 89.88 | 25.91 | 10.38 |
| Loans/Deposits(x) | 5.64 | 5.77 | 5.06 | 10.68 | 10.35 | 9.84 | 7.16 | 10.18 | 8.74 | 7.5 | 9.07 |
| Cash/Deposits(x) | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.07 | 0.05 | 0.04 | 0.04 |
| Current Ratio(x) | 0.2 | 0.22 | 0.23 | 0.29 | 0.29 | 0.3 | 0.28 | 0.32 | 0.32 | 0.3 | 0.29 |
| Quick Ratio(x) | 5.64 | 5.77 | 5.06 | 10.68 | 10.35 | 9.84 | 7.16 | 10.18 | 8.74 | 7.5 | 9.07 |
| CASA % | 26.43 | 26.42 | 32.09 | 35.63 | 34.61 | 35.03 | 39.8 | 41.14 | 39.24 | 38.36 | 37.71 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 |
| FII | 12.39 | 12.27 | 12.4 | 11.45 | 9.87 | 8.9 | 8.98 | 8.08 | 8.71 | 9.84 |
| DII | 16 | 16 | 16.3 | 16.04 | 16.6 | 18.12 | 18.23 | 19.05 | 19.01 | 18.82 |
| Public | 7.64 | 7.75 | 7.33 | 8.55 | 9.56 | 9 | 8.83 | 8.89 | 8.31 | 7.38 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 330.82 | 330.82 | 330.82 | 330.82 | 330.82 | 330.82 | 330.82 | 330.82 | 330.82 | 330.82 |
| FII | 64.09 | 63.47 | 64.14 | 59.19 | 51.04 | 46.05 | 46.41 | 41.78 | 45.03 | 50.88 |
| DII | 82.74 | 82.74 | 84.3 | 82.93 | 85.86 | 93.73 | 94.26 | 98.54 | 98.31 | 97.3 |
| Public | 39.49 | 40.1 | 37.88 | 44.2 | 49.42 | 46.54 | 45.65 | 45.99 | 42.98 | 38.14 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 517.14 | 517.14 | 517.14 | 517.14 | 517.14 | 517.14 | 517.14 | 517.14 | 517.14 | 517.14 |
* The pros and cons are machine generated.
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