High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
Balance Sheet: Strong Balance Sheet.
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.
Dividend: Dividend paying stock. Dividend yield of 2.7%.
Size: It is among the top 200 market size companies of india.
Past Returns: Outperforming stock! In past three years, the stock has provided 24.8% return compared to 8.9% by NIFTY 50.
No major cons observed.
Valuation | |
|---|---|
| Market Cap | 63.7 kCr |
| Price/Sales (Trailing) | 0.74 |
| EV/EBITDA | 1 |
| Price/Free Cashflow | 13.4 |
| MarketCap/EBT | 4.7 |
| Enterprise Value | 63.7 kCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 85.65 kCr |
| Rev. Growth (Yr) | 4.2% |
| Earnings (TTM) | 10.09 kCr |
| Earnings Growth (Yr) | 15.2% |
Profitability | |
|---|---|
| Operating Margin | 20% |
| EBT Margin | 16% |
| Return on Equity | 0.89% |
| Return on Assets | 0.86% |
| Free Cashflow Yield | 7.46% |
Growth & Returns | |
|---|---|
| Price Change 1W | 4.6% |
| Price Change 1M | -1.6% |
| Price Change 6M | -1.8% |
| Price Change 1Y | 23.6% |
| 3Y Cumulative Return | 24.8% |
| 5Y Cumulative Return | 13.5% |
| 7Y Cumulative Return | 5.6% |
| 10Y Cumulative Return | 5.2% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | -328.56 Cr |
| Cash Flow from Operations (TTM) | 4.75 kCr |
| Cash Flow from Financing (TTM) | -5.67 kCr |
| Free Cash Flow (TTM) | 4.75 kCr |
| Free Cash Flow/Share (TTM) | 10.44 |
Balance Sheet | |
|---|---|
| Total Assets | 11.8 LCr |
| Shareholder Equity | 10.92 LCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.73 |
| Interest/Cashflow Ops | 1.09 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 4.65 |
| Dividend Yield | 2.7% |
| Shares Dilution (1Y) | 0.00% |
| Shares Dilution (3Y) | 10.9% |
Balance Sheet: Strong Balance Sheet.
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.
Dividend: Dividend paying stock. Dividend yield of 2.7%.
Size: It is among the top 200 market size companies of india.
Past Returns: Outperforming stock! In past three years, the stock has provided 24.8% return compared to 8.9% by NIFTY 50.
No major cons observed.
Investor Care | |
|---|---|
| Dividend Yield | 2.7% |
| Dividend/Share (TTM) | 4.65 |
| Shares Dilution (1Y) | 0.00% |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 54.53 |
| RSI (5d) | 83.56 |
| RSI (21d) | 47.2 |
| 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 India'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.
Management's outlook for FY27 anticipates global advances growth of around 15-16% and global deposit growth of approximately 13-14%. The focus will remain on strengthening the deposit franchise with a higher share of low-cost funds while driving growth in high-yielding advances to support margins. Key strategies include maintaining a balanced Credit-Deposit (CD) ratio and enhancing Return on Assets (ROA) to achieve stronger financial performance.
Specific forward-looking points highlighted by management include:
CASA and Deposit Targets: Management aims to grow the CASA amount to approximately Rs.3.30 lakh crore by the end of FY27, representing a 10% increase.
RAM Advances Focus: The bank targets a RAM (Retail, Agriculture, and MSME) book to be around 62% of total advances by FY29, while total advances are projected to reach approximately Rs.11 lakh crore.
NIM Projections: For the upcoming fiscal year, management projects the Net Interest Margin (NIM) to increase to between 2.70% and 2.75%, with aspirations to reach close to 3% over the medium term.
Credit Cost Management: Management expects only a marginal impact of around 10 basis points on credit costs due to the transition to the ECL (Expected Credit Loss) framework.
MSME Support via ECLGS: Management believes the ECLGS (Emergency Credit Line Guarantee Scheme) will offer vital support, expecting to fund around Rs.10,000 - Rs.12,000 crore under the renewed ECLGS 5.0.
Asset Quality Improvement: The bank reported a Gross NPA ratio of 1.98% for FY26, with a proactive stance on reducing slippages further and preserving asset quality moving forward.
In summary, management is optimistic about maintaining growth momentum while focusing on quality lending, improved deposit acquisition strategies, and enhancing overall profitability through diligent risk management and operational efficiencies.
Question: "How is the Bank prepared to meet the ECL guidelines announced effective from April 1, 2027?"
Answer: We have been proactive in our preparations since the draft guidelines. We onboarded one of the Big Four for the transition and established teams to calculate necessary ratios. We anticipate minimal impact, about 0.5% per annum totaling 2.5% over five years. We have a robust net profit, and even with dividends, our net worth will absorb this impact smoothly. Currently, our CRAR stands at 18.01%, well above the required 11.5%.
Question: "What growth are you expecting under ECLG 5.0, and how will it affect credit growth?"
Answer: We're analyzing MSME borrowers eligible for ECLGS funding, expecting to fund around Rs.10,000-12,000 crores. Our teams are identifying potential beneficiaries, and we will seek Board approval soon. This scheme will assist MSMEs and corporate clients in securing necessary funding for their working capital needs in FY27.
Question: "Can you share details regarding retail deposits and the impact of competition on your CASA ratio?"
Answer: Our CASA ratio is currently at 37%, with retail deposits around 44%. Despite a structural shift where funds are moving to other asset classes, we've grown our CASA by over Rs.20,000 crores. We're actively pursuing strategies to improve our retail term deposits and aim to achieve an increase in CASA by 10% in FY27.
Question: "What is your assessment of credit quality amidst geopolitical developments and rising costs?"
Answer: Current geopolitical tensions are influencing supply chains and costs, like crude prices, which stand at $102 per barrel. While we acknowledge potential GDP adjustments, the ECLGS will mitigate stress in MSME and corporate sectors. Certain industries may feel the impact, but our robust asset management should help maintain credit quality.
Question: "What targets do you set for ROA, NIM, and CD ratio?"
Answer: Our Q4 ROA stands at 1.01%, and we're targeting a minimum of 1% for FY27. NIMs are anticipated to improve, aiming for around 2.75%. The current CD ratio is high at 82-83% due to resource crunch, but we're closely monitoring to optimize our business growth while aligning with RBI's guidelines.
Question: "Will the Bank increase its focus on non-interest income and how will you recover written-off accounts?"
Answer: Our strategy is to enhance non-interest income through various channels including wealth management and recovery from written-off accounts. We've targeted recoveries of around Rs.2,500 to Rs.3,000 crores in FY27. We also plan to expand our wealth management and other services to bolster non-interest income.
These snapshots provide insight into the Bank's strategy and outlook as discussed during the earnings call.
Analysis of Bank of India's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
Last Updated: Mar 31, 2026
| Description | Share | Value |
|---|---|---|
| Retail Banking Operations | 39.2% | 9.1 kCr |
| Wholesale Banking Operations | 36.0% | 8.3 kCr |
| Treasury Opertations | 23.2% | 5.3 kCr |
| Unallocated | 1.6% | 369.4 Cr |
| Total | 23.1 kCr |
Understand Bank of India ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| LIFE INSURANCE CORPORATION OF INDIA - P & GS Fund | 8.1% |
| Other Directors | 0% |
| Any Other(FII'S) | 0% |
Distribution across major stakeholders
Distribution across major institutional holders
Detailed comparison of Bank of India 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 | - | - |
| BANKBARODA | Bank Of Baroda | 1.37 LCr | 1.57 LCr | -1.30% | +12.00% | - | 0.87 | - | - |
| 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 | - | - |
Comprehensive comparison against sector averages
BANKINDIA metrics compared to Banks
| Category | BANKINDIA | Banks |
|---|---|---|
| PE | 8.86 | |
| PS | 0.74 | 1.09 |
| Growth | 6.5 % | 5.4 % |
Bank of India is a Public Sector Bank with the stock ticker BANKINDIA, boasting a market capitalization of Rs. 53,894.5 Crores. The bank offers a range of banking products and services both in India and internationally.
It operates through various segments, including Treasury, Wholesale Banking, and Retail Banking. The company provides a variety of deposit products such as savings accounts, salary accounts, current accounts, term deposits, and rera account deposits.
In addition to deposit products, Bank of India offers:
Moreover, the bank provides credit, cash management, trade finance services, and various government deposit schemes including PPF, SCSS, and Sukanya Samridhi. Other offerings include mutual funds, life, health, and general insurance products, as well as services for Non-Resident Indians (NRIs) like loans and money remittance.
The bank also focuses on agricultural products through schemes such as Kisan credit cards, gold loans, and farm mechanization loans. Additionally, it supports internet banking and online payment services.
Founded in 1906, Bank of India is headquartered in Mumbai, India. It has demonstrated financial strength with trailing 12 months revenue of Rs. 76,559.1 Crores and a profit of Rs. 8,190.8 crores over the past four quarters. The company saw a revenue growth of 65.5% in the last three years and offers a dividend yield of 4.58% per year, with a recent return of Rs. 4.8 dividend per share. However, it has also diluted shareholdings of its investors by 10.9% in the past three years.
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.
BANKINDIA vs Banks (2021 - 2026)