BANKBARODA - Bank Of Baroda Share Price
Banks
Valuation | |
|---|---|
| Market Cap | 1.26 LCr |
| Price/Earnings (Trailing) | 6.19 |
| Price/Sales (Trailing) | 0.81 |
| EV/EBITDA | 1.18 |
| Price/Free Cashflow | 3.61 |
| MarketCap/EBT | 4.76 |
| Enterprise Value | 1.26 LCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 1.55 LCr |
| Rev. Growth (Yr) | 7.3% |
| Earnings (TTM) | 19.23 kCr |
| Earnings Growth (Yr) | -26.8% |
Profitability | |
|---|---|
| Operating Margin | 24% |
| EBT Margin | 17% |
| Return on Equity | 1.03% |
| Return on Assets | 1.03% |
| Free Cashflow Yield | 27.71% |
Price to Sales Ratio
Revenue (Last 12 mths)
Net Income (Last 12 mths)
Growth & Returns | |
|---|---|
| Price Change 1W | -0.50% |
| Price Change 1M | 1.8% |
| Price Change 6M | 8.1% |
| Price Change 1Y | -0.80% |
| 3Y Cumulative Return | 27.8% |
| 5Y Cumulative Return | 38% |
| 7Y Cumulative Return | 8.5% |
| 10Y Cumulative Return | 4.7% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | -6.49 kCr |
| Cash Flow from Operations (TTM) | 34.89 kCr |
| Cash Flow from Financing (TTM) | 3.79 kCr |
| Free Cash Flow (TTM) | 34.89 kCr |
| Free Cash Flow/Share (TTM) | 67.47 |
Balance Sheet | |
|---|---|
| Total Assets | 18.62 LCr |
| Shareholder Equity | 18.62 LCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.67 |
| Interest/Cashflow Ops | 1.44 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 8.35 |
| Dividend Yield | 3.43% |
| Shares Dilution (1Y) | 0.00% |
| Shares Dilution (3Y) | 0.00% |
Risk & Volatility | |
|---|---|
| Max Drawdown | -16.5% |
| Drawdown Prob. (30d, 5Y) | 44.23% |
| Risk Level (5Y) | 48.1% |
Latest News and Updates from Bank Of Baroda
Updated Jul 26, 2025
The Bad News
The net interest income for Bank of Baroda declined by 1.4% to ₹11,435 crore, indicating challenges in income generation.
Following the results announcement, Bank of Baroda shares closed 1.36% lower at ₹243.45, reflecting a negative market reaction.
Despite a modest profit growth, the overall performance may raise concerns among investors due to declining key income metrics.
The Good News
Bank of Baroda's operating profit grew by 15% to ₹8,236 crore, driven by a significant 88% increase in non-interest income.
The bank's gross NPAs improved to 2.28% from 2.88% year-on-year, demonstrating better asset quality.
Bank of Baroda's total business size reached ₹26.42 lakh crore, with domestic and global advances growing by 12.4% and 12.6% respectively.
Updates from Bank Of Baroda
General • 26 Jul 2025 Media Meet Q1 |
Investor Presentation • 25 Jul 2025 Investor Presentation Q1 2025-26 |
Change in Management • 25 Jul 2025 Change in GOI Nominee Director |
General • 21 Jul 2025 Schedule of Media meet and Analyst Meet |
Change in Management • 19 Jul 2025 Disclosure under Regulation 30 - Resignation |
General • 08 Jul 2025 Notice of Strike |
Credit Rating • 04 Jul 2025 Credit Rating - Moodys Rating |
This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.
Summary of Latest Earnings Report from Bank Of Baroda
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:
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:
- Margin & Profitability: Net Interest Margin (NIM) stable at 3.18%; guided to remain ~3.15% ±5bps. PAT rose 9.5% YoY, with ROA at 1.13% (8th quarter >1%).
- Asset Quality: Gross NPA improved to 2.88% (down 63 bps YoY), Net NPA at 0.69%. Slippage ratio (1.05%) within guidance; credit cost reduced to 0.47%.
- Liability Management: Reduced bulk deposits by Rs.24,000 Cr (QoQ), boosting CASA (6% growth, 40.6% ratio). Liquidity Coverage Ratio (LCR) robust at 138%.
- Recovery & Capital: Targeting Rs.10,000 Cr recovery in FY25. CET-1 ratio rose to 13.08%; CRAR at 16.82%.
- Digital & Subsidiaries: BOB World ban lifted; focus on scaling digital channels. Plans to divest non-core assets (e.g., Nainital Bank, IndiaFirst Life IPO) progressing.
Strategic Priorities:
- Maintain NIM via deposit repricing and retail focus.
- Optimize unsecured lending (personal loans moderated to 39% YoY).
- Strengthen fee income and treasury operations post-RBI valuation adjustments.
Last updated:
Major Questions and Answers from Bank of Baroda's Q1 FY2024-25 Analyst and Media Meet
- Question (Analyst): What caused the slower loan growth (8.1% YoY) in Q1, and how will the mix evolve to meet full-year guidance (12"“14% Advances growth)? Will the CD ratio rise above 80%?
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.
- Question (Analyst): Why did "other income" drop significantly (Rs.4,191Cr to Rs.2,487Cr) despite RBI's valuation norms?
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.
- Question (Analyst): Why did retail slippages rise, and is there stress in gold loans?
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%.
- Question (Analyst): How will ECL norms impact credit costs (0.47% in Q1)?
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.
- Question (Media): What led to higher LCR (138% vs. 121% in Q4)?
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.
- Question (Media): How will the bank balance growth and margins?
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%).
- Question (Media): What is the outlook for GNPA/NPA?
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%).
- Question (Media): How is BOB World performing post-ban lift?
Answer: Transactions are recovering gradually; full rebound expected in Q2. Compliance upgrades were implemented, and customer engagement channels are being restored.
- Question (Media): Update on subsidiaries (Nainital Bank, IndiaFirst Life)?
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.
- Question (Media): Post-budget, will private capex revive?
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%.
Revenue Breakdown
Analysis of Bank Of Baroda's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
Last Updated: Jun 30, 2025
| Description | Share | Value |
|---|---|---|
| other Retail Banking | 38.8% | 14.9 kCr |
| Wholesale Banking | 31.4% | 12.1 kCr |
| Treasury Operations | 26.5% | 10.2 kCr |
| other Banking Operations | 3.4% | 1.3 kCr |
| Total | 38.4 kCr |
Share Holdings
Understand Bank Of Baroda ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
Holding Pattern
Share Holding Details
| Shareholder Name | Holding % |
|---|---|
| President of India | 63.97% |
| LIC HEALTH PLUS NON UNIT FUND | 7.51% |
| HDFC TRUSTEE COMPANY LIMITED HDFC FLEXI CAP FUND | 2.75% |
| SBI ARBITRAGE OPPORTUNITIES FUND | 1.48% |
| KOTAK EQUITY SAVINGS FUND | 1.27% |
| NIPPON LIFE INDIA TRUSTEE LTD NIPPON INDIA ETF | 1.01% |
Overall Distribution
Distribution across major stakeholders
Ownership Distribution
Distribution across major institutional holders
Is Bank Of Baroda Better than it's peers?
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 | 7.2 LCr | 6.63 LCr | +0.80% | -4.90% | 9.3 | 1.09 | - | - |
| PNB | Punjab National Bank | 1.25 LCr | 1.4 LCr | +2.30% | -7.90% | 7.47 | 0.89 | - | - |
| UNIONBANK | Union Bank of India | 1.04 LCr | 1.31 LCr | -5.60% | +3.20% | 6.24 | 0.79 | - | - |
| CANBK | Canara Bank | 1 LCr | 1.57 LCr | 0.00% | -1.00% | 5.99 | 0.64 | - | - |
| BANKINDIA | Bank of India | 51.51 kCr | 80.41 kCr | -2.60% | -4.80% | 5.61 | 0.64 | - | - |
Sector Comparison: BANKBARODA vs Banks
Comprehensive comparison against sector averages
Comparative Metrics
BANKBARODA metrics compared to Banks
| Category | BANKBARODA | Banks |
|---|---|---|
| PE | 6.19 | 8.28 |
| PS | 0.81 | 1.02 |
| Growth | 7.8 % | 9.4 % |
Performance Comparison
BANKBARODA vs Banks (2021 - 2025)
- 1. BANKBARODA is among the Top 3 Public Sector Bank companies by market cap.
- 2. The company holds a market share of 10% in Public Sector Bank.
- 3. The company is growing at an average growth rate of other Public Sector Bank companies.
Income Statement for Bank Of Baroda
Balance Sheet for Bank Of Baroda
Cash Flow for Bank Of Baroda
What does Bank Of Baroda do?
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:
- Treasury
- Corporate/Wholesale Banking
- Retail Banking
- Other Banking Operations
Bank Of Baroda offers various accounts such as savings, salary, and current accounts, alongside term deposits. Its lending services include:
- Home, education, vehicle, gold, mortgage, and personal loans
- Loans for micro, small, and medium enterprises
- Corporate and agriculture loans
- Export finance, external commercial borrowings, and foreign currency credits
- Import finance and Foreign Currency Non-Resident Loans
- Supply chain finance
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.