Market Cap ₹129129 Cr.
Stock P/E 6.9
P/B 1.1
Current Price ₹249.7
Book Value ₹ 231.5
Face Value 2
52W High ₹298.5
Dividend Yield 3.04%
52W Low ₹ 185.8
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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| #(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 |
| #(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 |
| # | 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 | 26% | 46% | 17% | 4% |
| ROE Average | 16% | 13% | 9% | 5% |
| ROCE Average | 16% | 12% | 9% | 7% |
| #(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 |
| #(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 |
| # | 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 |
| # | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 |
| FII | 9.14 | 8.23 | 8.93 | 9.97 | 10.92 | 12.29 | 12.39 | 12.27 | 12.4 | 11.45 |
| DII | 15.08 | 16.85 | 18.91 | 17.95 | 17 | 16.03 | 16 | 16 | 16.3 | 16.04 |
| Public | 11.81 | 10.95 | 8.19 | 8.11 | 8.11 | 7.7 | 7.64 | 7.75 | 7.33 | 8.55 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 330.82 | 330.82 | 330.82 | 330.82 | 330.82 | 330.82 | 330.82 | 330.82 | 330.82 | 330.82 |
| FII | 47.28 | 42.56 | 46.17 | 51.55 | 56.49 | 63.57 | 64.09 | 63.47 | 64.14 | 59.19 |
| DII | 77.98 | 87.13 | 97.77 | 92.83 | 87.9 | 82.92 | 82.74 | 82.74 | 84.3 | 82.93 |
| Public | 61.06 | 56.62 | 42.38 | 41.95 | 41.93 | 39.83 | 39.49 | 40.1 | 37.88 | 44.2 |
| 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 |
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| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
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