High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
Balance Sheet: Strong Balance Sheet.
Dividend: Dividend paying stock. Dividend yield of 2.84%.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Size: It is among the top 200 market size companies of india.
Past Returns: In past three years, the stock has provided 13.8% return compared to 8.9% by NIFTY 50.
Profitability: Recent profitability of 12% is a good sign.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
No major cons observed.
Valuation | |
|---|---|
| Market Cap | 1.37 LCr |
| Price/Sales (Trailing) | 0.87 |
| EV/EBITDA | 1.28 |
| Price/Free Cashflow | 4.1 |
| MarketCap/EBT | 5.49 |
| Enterprise Value | 1.37 LCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 1.57 LCr |
| Rev. Growth (Yr) | 0.20% |
| Earnings (TTM) | 19.48 kCr |
| Earnings Growth (Yr) | 6.4% |
Profitability | |
|---|---|
| Operating Margin | 23% |
| EBT Margin | 16% |
| Return on Equity | 1% |
| Return on Assets | 0.93% |
| Free Cashflow Yield | 24.39% |
Growth & Returns | |
|---|---|
| Price Change 1W | 3.8% |
| Price Change 1M | -1.3% |
| Price Change 6M | -6% |
| Price Change 1Y | 12% |
| 3Y Cumulative Return | 13.8% |
| 5Y Cumulative Return | 26.5% |
| 7Y Cumulative Return | 9.9% |
| 10Y Cumulative Return | 6.9% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | -3.28 kCr |
| Cash Flow from Operations (TTM) | 33.43 kCr |
| Cash Flow from Financing (TTM) | -1.81 kCr |
| Free Cash Flow (TTM) | 33.43 kCr |
| Free Cash Flow/Share (TTM) | 64.64 |
Balance Sheet | |
|---|---|
| Total Assets | 21.02 LCr |
| Shareholder Equity | 19.14 LCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.7 |
| Interest/Cashflow Ops | 1.41 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 8.35 |
| Dividend Yield | 2.84% |
| Shares Dilution (1Y) | 0.00% |
| Shares Dilution (3Y) | 0.00% |
Balance Sheet: Strong Balance Sheet.
Dividend: Dividend paying stock. Dividend yield of 2.84%.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Size: It is among the top 200 market size companies of india.
Past Returns: In past three years, the stock has provided 13.8% return compared to 8.9% by NIFTY 50.
Profitability: Recent profitability of 12% is a good sign.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
No major cons observed.
Investor Care | |
|---|---|
| Dividend Yield | 2.84% |
| Dividend/Share (TTM) | 8.35 |
| Shares Dilution (1Y) | 0.00% |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 50.23 |
| RSI (5d) | 87.79 |
| RSI (21d) | 47.24 |
| MACD Signal | Buy |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| RSI5 Signal | Sell |
| RSI21 Signal | Hold |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Buy |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Buy |
| SMA 100 Signal | Buy |
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.
The management of Bank of Baroda provided an optimistic outlook for FY 2026-27 during the recent earnings call. Key guidance points include:
Loan Growth: The previous guidance of 11-13% for loan growth has been revised upward to 12-14%. The bank achieved a global advances growth of 16.2% in FY 2026, indicating strong momentum.
Deposit Growth: The guidance for deposit growth has been increased from 9-11% to 10-12%. The bank expects to sustain this growth in deposits as liquidity conditions improve.
Net Interest Margin (NIM): Management aims to maintain a NIM in the range of 2.75% to 2.95% for FY 2027 after achieving 2.89% in the latest quarter.
Return on Assets (ROA): Bank of Baroda maintains a commitment to an ROA of over 1%. The ROA achieved for FY 2026 was 1.06%.
Credit Cost: The credit cost guidance for FY 2027 is projected to be below 0.60%. The bank indicated a credit cost of 0.46% for FY 2026, underscoring strong asset quality with a GNPA ratio of 1.89% and a Net NPA ratio of 0.45%.
Floating Provisions: A floating provision of Rs.1,500 crores was made, which is not directly linked to ECL provisions but serves as a buffer for potential asset quality stress.
Capital Adequacy: The bank's capital position is strong with a CET-1 ratio of 13.16% and a CRAR of 15.82%. The management plans to raise Rs.6,000 crores in AT-1 and Tier 2 capital and an enabling provision for Rs.8,500 crores in equity capital over the next two years.
The management is cautiously optimistic about maintaining robust asset quality and supporting growth while being mindful of the geopolitical landscape affecting their international operations. They are also strategically focused on managing liquidity and optimizing their deposit structure.
1. Question: Your cost of deposits has gone up marginally from the third quarter and the yield on advances has dipped slightly. How do you explain the improvement in the net interest margin (NIM)?
Answer: The cost of deposit growth is marginal, while yield on advances has a larger basis. This leads to a favorable impact on NIM, which improved from 2.79% to 2.89% this quarter. We expect ongoing repricing on both sides of the balance sheet, dependent on market liquidity conditions. The IT refund also contributed positively to the NIM.
2. Question: Can the provisions made be used for expected credit losses (ECL), particularly the Rs. 1500 crores?
Answer: The Rs. 1500 crores floating provision is for balance sheet strength and isn't directly tied to ECL provisions. ECL is computed based on guidelines and our profitability is capable of absorbing any impacts. We are computing ECL impacts and expect them to remain below our past guidance.
3. Question: What impact do you foresee from the geopolitical situation on your overseas exposure, especially in the Middle East?
Answer: Currently, our asset quality remains strong, with no immediate impact from the geopolitical situation. Our overseas exposure is diverse, and we are monitoring the situation closely. As of now, we don't see an increase in NPAs in our international books.
4. Question: How much additional provision do you plan to make towards ECL this financial year?
Answer: Final guidelines have been issued for ECL; we are calculating the full impact and expect to remain aligned with prior estimates. We will assess the impact in future quarters before articulating specific numbers.
5. Question: What is your guidance for loan and deposit growth?
Answer: We are upsizing loan growth guidance from 11-13% to 12-14% and deposit growth from 9-11% to 10-12%. This reflects our strong performance so far, as advances have outpaced deposits.
6. Question: What is the rationale behind increasing the floating provision of Rs. 1500 crores?
Answer: This provision strengthens the balance sheet as a precaution against unforeseen challenges. We are cautious due to potential geopolitical risks, ensuring we can absorb any impacts.
7. Question: What is the expected recoveries from written-off accounts for FY27?
Answer: We aim to maintain a normalized recovery range of Rs. 750-850 crores this fiscal year, consistent with our previous guidance, although this quarter saw higher recoveries due to productive efforts.
8. Question: What are your capital raising plans for FY27?
Answer: We are in the process of raising Rs. 6,000 crores in AT-1 and Tier 2 capital this year, continuing with an enabling provision for Rs. 8,500 crores through FY28.
This summary provides insights into the key questions raised and answers provided during the earnings call, along with forward guidance to inform stakeholders of the bank's outlook.
Analysis of Bank Of Baroda's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
Last Updated: Mar 31, 2026
| Description | Share | Value |
|---|---|---|
| Other Retail Banking | 41.9% | 16.7 kCr |
| Wholesale Banking | 34.1% | 13.7 kCr |
| Treasury Operations | 19.0% | 7.6 kCr |
| other Banking Operations | 5.0% | 2 kCr |
| Total | 40 kCr |
Understand Bank Of Baroda ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| President of India | 63.97% |
| LICI NEW ENDOWMENT PLUS-GROWTH FUND | 5.39% |
| HDFC LARGE AND MID CAP FUND | 2.76% |
| NPS TRUST A/C - LIC PENSION FUND - UPS - CG SCHEM | 1.91% |
| SBI ELSS TAX SAVER FUND | 1.8% |
| KOTAK AGGRESSIVE HYBRID FUND | 1.58% |
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 India | 8.94 LCr | 7.1 LCr | -12.00% | +21.90% | - | 1.26 | - | - |
| UNIONBANK | Union Bank of India | 1.28 LCr | 1.29 LCr | -5.30% | +19.30% | - | 0.99 | - | - |
| PNB | Punjab National Bank | 1.18 LCr | 1.49 LCr | -6.30% | +4.90% | - | 0.79 | - | - |
| CANBK | Canara Bank | 1.17 LCr | 1.53 LCr | -5.50% | +23.90% | - | 0.76 | - | - |
| BANKINDIA | Bank of India | 63.7 kCr | 85.65 kCr | -1.60% | +23.60% | - | 0.74 | - | - |
Comprehensive comparison against sector averages
BANKBARODA metrics compared to Banks
| Category | BANKBARODA | Banks |
|---|---|---|
| PE | 8.86 | |
| PS | 0.87 | 1.09 |
| Growth | 2.6 % | 5.4 % |
Bank Of Baroda is a Public Sector Bank in India, trading under the stock ticker BANKBARODA. With a market capitalization of Rs. 130,602.7 Crores, the bank provides a wide range of banking products and services for individuals, government entities, and corporate clients both domestically and internationally.
The bank operates through several segments, including:
Bank Of Baroda offers various accounts such as savings, salary, and current accounts, alongside term deposits. Its lending services include:
In addition to traditional banking services, Bank Of Baroda provides insurance products (life, general, and health), merchant payment solutions, investment products, digital payment solutions, and various types of banking cards (debit, prepaid, and credit).
Incorporated in 1908 and headquartered in Vadodara, India, the company has reported a trailing twelve months revenue of Rs. 150,599 Crores and a profitable performance, with a profit of Rs. 20,168.3 Crores recorded in the last four quarters. Over the past three years, Bank Of Baroda has experienced a substantial revenue growth of 68.9%.
For its investors, the bank distributes dividends, boasting a dividend yield of 6.04% per year, and returned Rs. 13.1 in dividends per share over the last year.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
BANKBARODA vs Banks (2021 - 2026)