Account menu
Banks
Bank Of Baroda is a Public Sector Bank with the stock ticker BANKBARODA and a market capitalization of Rs. 106,478.3 Crores.
The bank offers a wide range of banking products and services tailored for individuals, government departments, and corporate customers both in India and internationally. Its operations are divided into various segments, including Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations.
Bank of Baroda provides:
Additionally, the bank engages in investment products, treasury management, trade finance, remittances, and cash management services.
In terms of financials, Bank Of Baroda has reported a trailing 12-month revenue of Rs. 150,599 Crores. The company has distributed dividends to its investors with a yield of 6.04% per year and declared a dividend of Rs. 13.1 per share over the last year. It has demonstrated profitability, earning Rs. 20,168.3 crores over the past four quarters. Over the last three years, the company experienced a significant revenue growth of 68.9%.
Incorporated in 1908, Bank Of Baroda is headquartered in Vadodara, India.
Valuation | |
|---|---|
| Market Cap | 1.23 LCr |
| Price/Earnings (Trailing) | 6.01 |
| Price/Sales (Trailing) | 0.8 |
| EV/EBITDA | 1.16 |
| Price/Free Cashflow | 3.52 |
| MarketCap/EBT | 4.45 |
Fundamentals | |
|---|---|
| Revenue (TTM) | 1.53 LCr |
| Rev. Growth (Yr) | 6.08% |
| Rev. Growth (Qtr) | 5.73% |
| Earnings (TTM) | 20.46 kCr |
| Earnings Growth (Yr) | 5.8% |
| Earnings Growth (Qtr) | 3.72% |
Profitability | |
|---|---|
| Operating Margin | 24.79% |
| EBT Margin | 18.07% |
| Return on Equity | 1.1% |
| Return on Assets | 1.1% |
| Free Cashflow Yield | 28.37% |
Analysis of Bank Of Baroda's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
Last Updated: Mar 31, 2025
| Description | Share | Value |
|---|---|---|
| Other Retail Banking | 36.0% | 14.4 kCr |
| (b) Wholesale Banking | 32.0% | 12.8 kCr |
| (a) Treasury Operations | 22.9% | 9.1 kCr |
| (d) Other Banking Operations | 9.1% | 3.6 kCr |
| Total | 39.9 kCr |
Summary of Bank Of Baroda's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Last updated: Aug 24
Outlook by Management:
Bank of Baroda's management remains focused on sustainable growth, prioritizing asset quality and margin protection. They aim for 12-14% advances growth and 10-12% deposit growth in FY25, emphasizing retail (21% YoY growth), agriculture, and MSME segments. Corporate lending growth (2.5%) was muted due to strategic shedding of low-yield assets.
Key Highlights:
Strategic Priorities:
Last updated: Aug 24
Major Questions and Answers from Bank of Baroda's Q1 FY2024-25 Analyst and Media Meet
Answer: The muted growth was strategic, prioritizing liability management to protect margins. Corporate loans dipped due to shedding low-yield assets, but core corporate grew 12%. Retail (21% YoY), Agri (9.1%), and MSME (9.8%) will drive growth. CD ratio will stay 80"“82%, with focus on retail/CASA deposits.
Answer: The decline was due to lower treasury income (Rs.850Cr dip) from RBI's reclassification of investments to reserves (strengthening CET1 by 30bps) and reduced fee income (lower corporate sanctions/wealth management). Net profit rose 9.5% YoY due to lower provisions.
Answer: Retail slippages were seasonal (one subsidy-linked account impacted). Gold loans grew due to secured lending focus; no stress observed. SMA remains low (0.18% of standard assets), and collection efficiency is 99%.
Answer: Current credit cost is sustainable. ECL impact on standard assets will be manageable due to low SMA and provision buffers. Guidance revised to <0.75% for FY25.
Answer: Reduced reliance on bulk deposits, lower borrowings against SLR, and focus on stable liabilities improved liquidity. LCR disclosures will be reviewed for quarterly reporting.
Answer: Growth will accelerate in H2 with corporate/MSME pipelines. Margins (3.18%) will stay within guidance (3.15% ±5bps) via liability repricing and controlled deposit costs (flat QoQ at 5.06%).
Answer: GNPA (2.88%) will trend toward 2.5% with recoveries (Rs.10,000Cr FY25 target). Net NPA (0.69%) is stable; slippage ratio (1.05%) aligns with guidance (1"“1.25%).
Answer: Transactions are recovering gradually; full rebound expected in Q2. Compliance upgrades were implemented, and customer engagement channels are being restored.
Answer: Nainital Bank's divestment and IndiaFirst Life's IPO are ongoing. Timelines depend on market conditions/regulatory approvals. BOB Cards is not currently prioritized for sale.
Answer: Budget measures (infra, renewables, MSME support) have boosted sentiment. Corporate demand is rising in renewables, data centers, and warehousing; FY25 corporate growth guided at 10"“12%.
Updated May 29, 2025
Shares of Bank of Baroda plummeted nearly 11% following disappointing March quarter results.
The stock closed at Rs 223.65 on the BSE, leading to a market valuation loss of Rs 13,238.68 crore.
Despite a profit growth of 3.2%, net interest income declined by 6.6%, leading to a negative market reaction.
This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Dividend: Pays a strong dividend yield of 6.71%.
Profitability: Recent profitability of 13% is a good sign.
Size: It is among the top 200 market size companies of india.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Balance Sheet: Strong Balance Sheet.
Technicals: SharesGuru indicator is Bearish.
Momentum: Stock has a weak negative price momentum.
Comprehensive comparison against sector averages
BANKBARODA metrics compared to Banks
| Category | BANKBARODA | Banks |
|---|---|---|
| PE | 6.08 | 8.47 |
| PS | 0.81 | 1.03 |
| Growth | 7.8 % | 11.3 % |
BANKBARODA vs Banks (2021 - 2025)
Understand Bank Of Baroda ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| LIC NEW ENDOWMENT PLUS GROWTH FUND | 6.9% |
| HDFC Mutual Fund HDFC S & P BSE 500 ETF | 2.3% |
| ICICI Prudential Equity Fund | 1.18% |
| Kotak Equity Arbitrage Fund | 1.16% |
| SBI Large & Mid Cap Fund | 1% |
Distribution across major stakeholders
Distribution across major institutional holders
Detailed comparison of Bank Of Baroda against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| SBIN | State Bank Of IndiaPublic Sector Bank | 7.07 LCr | 6.63 LCr | +0.03% | -5.59% | 8.95 | 1.07 | +11.57% | +15.97% |
| PNB | Punjab National BankPublic Sector Bank | 1.23 LCr | 1.36 LCr | +6.97% | -17.95% | 7.71 | 0.9 | +15.81% | +128.11% |
| UNIONBANK | Union Bank of IndiaPublic Sector Bank | 1.11 LCr | 1.27 LCr | +8.86% | -1.86% | 6.81 | 0.87 | +11.51% | +22.97% |
| CANBK | Canara BankPublic Sector Bank | 98.9 kCr | 1.5 LCr | +1.18% | -9.75% | 5.75 | 0.66 | +12.15% | +20.93% |
| BANKINDIA | Bank of IndiaPublic Sector Bank | 55.17 kCr | 76.56 kCr | +4.68% | -4.83% | 6.74 | 0.72 | +16.10% | +30.56% |
General • 17 Jun 2025 Credit Rating - India Rating & Research |
General • 16 Jun 2025 Investor Conference |
Newspaper Publication • 31 May 2025 Newspaper Publication |
General • 29 May 2025 Notice of 29th Annual General Meeting (AGM) |
General • 28 May 2025 Group Investor Conference |
General • 27 May 2025 Investor Interaction |
Change in Management • 26 May 2025 Change in Key Managerial Personnel |
Investor Care | |
|---|---|
| Dividend Yield | 6.71% |
| Dividend/Share (TTM) | 15.95 |
| Shares Dilution (1Y) | 0.00% |
| Diluted EPS (TTM) | 40.06 |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
| Debt/Cashflow | 0.00 |