Bank Of Baroda

₹235.9 -7.9 | 3.2%

WEBSITE BSE:532134 NSE : BANKBARODA 06 Sep, 16:03

Market Cap ₹121967 Cr.

Stock P/E 6.4

P/B 1

Current Price ₹235.9

Book Value ₹ 232.4

Face Value 2

52W High ₹298.5

Dividend Yield 3.22%

52W Low ₹ 188

Edit Ratio

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..

Bank Of Baroda Share Price

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Bank Of Baroda Quarterly Results

#(Fig in Cr.)	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018
Interest Earned	10875	10553	10753	11303	11039
Other Income	1977	1551	1737	1673	1696
Total Income	12852	12104	12490	12976	12735
Interest Expense	7293	7148	7033	6909	7037
Operating Expenditure	2539	2308	2416	2417	3033
Provisions and contingencies	2623	2368	2329	3427	6672
Operating Profit	397	280	712	224	-4007
Profit Before Tax	397	280	712	224	-4007
Provision for Tax	242	77	357	112	-905
Profit After Tax	155	203	355	112	-3102
Adjustments	-155	-203	-355	-112	3102
Profit After Adjustments	0	0	0	0	0
Adjusted Earnings Per Share	0.7	0.9	1.5	0.5	-11.7

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	38940	42964	44061	42200	43649	49771	75984	70495	69881	89589	112606	43648
Other Income	4463	4402	4999	6758	6657	6294	10317	12934	11484	10026	14495
Total Income	43402	47366	49060	48958	50306	56065	86301	83429	81365	99614	127101	50305
Interest Expense	26974	29776	31321	28687	28127	31290	48532	41686	37259	48233	67884	28127
Operating Expenditure	7137	7674	8923	9296	10173	11288	18872	20544	21716	24518	28252	10174
Provisions and contingencies	3794	4494	15514	8502	14796	12789	20698	15643	13002	7137	6076	14796
Operating Profit	5497	5421	-6698	2473	-2791	698	-1802	5556	9386	19727	24890	-2791
Profit Before Tax	5497	5421	-6698	2473	-2791	698	-1802	5556	9386	19727	24890	-2791
Provision for Tax	956	2022	-1303	1090	-359	265	-2348	4727	2114	5617	7101	-359
Profit After Tax	4541	3398	-5396	1383	-2432	434	546	829	7272	14110	17789	-2432
Adjustments	0	0	0	0	0	0	0	0	0	0	0	2432
Profit After Adjustments	4541	3398	-5396	1383	-2432	434	546	829	7272	14110	17789	0
Adjusted Earnings Per Share	21.2	15.4	-23.4	6	-9.2	1.6	1.2	1.6	14.1	27.3	34.4	-8.8

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	26%	17%	18%	11%
Operating Profit CAGR	26%	65%	104%	16%
PAT CAGR	26%	178%	110%	15%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	21%	44%	20%	3%
ROE Average	17%	14%	9%	5%
ROCE Average	16%	13%	9%	6%

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	35986	39835	40199	40303	43395	50983	71856	77046	85910	98223	112224
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Deposits	568894	617560	574038	601675	591315	638690	945984	966997	1045939	1203688	1326958
Borrowings	36813	35264	33472	30611	62572	67201	93069	66848	103899	101910	94402
Other Liabilities & Provisions	17812	22329	23668	22286	22718	24113	47006	44474	42252	54740	52213
Total Liabilities	659505	714989	671376	694875	720000	780987	1157916	1155365	1278000	1458562	1585797
Cash and balance with RBI	18629	22489	21672	22780	22700	26662	32646	38841	71184	54883	54840
Bank Balance	112249	125865	112228	127690	70198	62568	89255	81572	51471	40821	40284
Investments	116113	116812	120451	129631	163185	182298	274615	261220	315795	362485	369817
Advances	397006	428065	383770	383259	427432	468819	690121	706301	777155	940998	1065782
Fixed Assets	2734	2875	6254	5758	5367	6990	8889	8016	9922	8707	7913
Other Assets	12774	18883	27002	25757	31119	33651	62390	59415	52472	50668	47162
Total Assets	659505	714989	671376	694875	720000	780987	1157916	1155365	1278000	1458562	1585797

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	85399	130878	148353	133900	150470	92897	89230	121901	120413	122655	95703
Cash Flow from Operating Activities	41016	18021	-9842	17194	-61088	-4120	930	-4609	7529	-19747	-5457
Cash Flow from Investing Activities	-689	-539	-3995	-426	-563	-3957	141	-269	-3967	-1563	-575
Cash Flow from Financing Activities	5151	-6	-616	-198	4079	4409	14590	3390	-1319	-5642	5452
Net Cash Inflow / Outflow	45479	17475	-14453	16570	-57573	-3668	15660	-1488	2242	-26952	-579
Closing Cash & Cash Equivalent	130878	148353	133900	150470	92897	89230	121901	120413	122655	95703	95124

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)	21.15	15.37	-23.42	6	-9.19	1.64	1.18	1.6	14.06	27.28	34.4
CEPS(Rs)	22.76	16.91	-21.24	8.22	-5.93	5.08	4.77	4.14	16.75	31.06	37.53
DPS(Rs)	4.3	3.2	0	1.2	0	0	0	0	2.85	5.5	7.6
Book NAV/Share(Rs)	162.69	175.66	156.55	159.39	152.1	156.59	142.35	148.98	166.12	189.93	217.01
Yield on Advances	9.81	10.04	11.48	11.01	10.21	10.62	11.01	9.98	8.99	9.52	10.57
Yield on Investments	8.13	8.94	9.84	10.19	7.54	7.56	7.59	7.83	6.44	6.41	7.13
Cost of Liabilities	4.45	4.56	5.16	4.54	4.3	4.43	4.67	4.03	3.24	3.69	4.78
NIM (Net Interest Margin)	1.86	1.9	2	2.04	2.27	2.5	2.53	2.65	2.68	2.96	2.92
Interest Spread	5.35	5.48	6.33	6.47	5.91	6.18	6.34	5.95	5.75	5.83	5.79
ROA(%)	0.75	0.49	-0.78	0.2	-0.34	0.06	0.06	0.07	0.6	1.03	1.17
ROE(%)	13.8	9.21	-14.4	3.8	-6.32	1.06	1.02	1.16	8.93	15.33	16.91
ROCE(%)	11.04	10.27	-6.15	6.05	-0.76	3.9	2.17	6.27	8	13.47	16.18
PER(x)	6.82	10.63	0	28.81	0	78.6	45.3	46.26	7.94	6.19	7.68
Price/Book(x)	0.89	0.93	0.94	1.09	0.93	0.82	0.38	0.5	0.67	0.89	1.22
Dividend Yield(%)	2.98	1.96	0	0.69	0	0	0	0	2.55	3.26	2.88
EV/Net Sales(x)	1.74	1.66	1.53	1.67	2.3	2.03	1.55	1.49	2.31	2.11	2.05
EV/Core EBITDA(x)	7.3	7.2	7.64	6.42	8.35	7.51	6.23	4.96	7.22	7.04	7.46
Interest Earned Growth(%)	10.63	10.33	2.56	-4.22	3.43	14.03	52.67	-7.22	-0.87	28.2	25.69
Net Profit Growth	1.35	-25.16	-258.77	125.63	-275.82	117.83	25.99	51.77	777.28	94.02	26.08
Advances Growth	20.97	7.82	-10.35	-0.13	11.53	9.68	47.2	2.34	10.03	21.08	13.26
EPS Growth(%)	-0.58	-27.34	-252.38	125.63	-253.13	117.83	-27.86	35.61	777.27	94.02	26.08
Loans/Deposits(x)	6.47	5.71	5.83	5.09	10.58	10.52	9.84	6.91	9.93	8.47	7.11
Cash/Deposits(x)	0.03	0.04	0.04	0.04	0.04	0.04	0.03	0.04	0.07	0.05	0.04
Current Ratio(x)	0.2	0.19	0.21	0.22	0.28	0.29	0.29	0.27	0.3	0.3	0.28
Quick Ratio(x)	6.47	5.71	5.83	5.09	10.58	10.52	9.84	6.91	9.93	8.47	7.11
CASA %	25.75	26.39	26.36	32.16	35.81	35.04	35.29	40.15	41.46	39.47	38.76

Bank Of Baroda Shareholding Pattern

#	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

Pros

Company has delivered good profit growth of 110% CAGR over last 5 years
Company has reduced debt.

Cons

Company has a low return on equity of 14% 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.

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Bank Of Baroda

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Bank Of Baroda Research see more...

Overview Inc. Year: 1911Industry: Bank - Public

Bank Of Baroda Share Price

Alert Data

Quarterly Price

Peer Comparison

Bank Of Baroda Quarterly Results

Bank Of Baroda Profit & Loss

Growth Rates

Bank Of Baroda Balance Sheet

Bank Of Baroda Cash Flow

Bank Of Baroda Ratios

Bank Of Baroda Shareholding Pattern

Bank Of Baroda News

Top Unlisted Companies & InstaBuy Companies

Fincare Small Finance Bank

IPO

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