Banks
Valuation | |
|---|---|
| Market Cap | 64.63 kCr |
| Price/Earnings (Trailing) | 5.61 |
| Price/Sales (Trailing) | 0.77 |
| EV/EBITDA | 1.04 |
| Price/Free Cashflow | 3.08 |
| MarketCap/EBT | 5.05 |
| Enterprise Value | 64.63 kCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | 2.8% |
| Price Change 1M | -3.7% |
| Price Change 6M | 25.4% |
| Price Change 1Y | 28.8% |
| 3Y Cumulative Return | 16% |
| 5Y Cumulative Return | 23.4% |
| 7Y Cumulative Return | 5.5% |
| 10Y Cumulative Return | 1.9% |
| Revenue (TTM) |
| 83.45 kCr |
| Rev. Growth (Yr) | 3.7% |
| Earnings (TTM) | 9.5 kCr |
| Earnings Growth (Yr) | 5.3% |
Profitability | |
|---|---|
| Operating Margin | 20% |
| EBT Margin | 15% |
| Return on Equity | 0.87% |
| Return on Assets | 0.87% |
| Free Cashflow Yield | 32.51% |
Cash Flow & Liquidity |
|---|
| Cash Flow from Investing (TTM) | -854.48 Cr |
| Cash Flow from Operations (TTM) | 18.53 kCr |
| Cash Flow from Financing (TTM) | 34.24 Cr |
| Free Cash Flow (TTM) | 18.53 kCr |
| Free Cash Flow/Share (TTM) | 40.71 |
Balance Sheet | |
|---|---|
| Total Assets | 10.92 LCr |
| Shareholder Equity | 10.92 LCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.74 |
| Interest/Cashflow Ops | 1.38 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 4.05 |
| Dividend Yield | 2.85% |
| Shares Dilution (1Y) | 0.00% |
| Shares Dilution (3Y) | 10.9% |
Technicals: Bullish SharesGuru indicator.
Past Returns: In past three years, the stock has provided 16% return compared to 12.2% by NIFTY 50.
Size: It is among the top 200 market size companies of india.
Balance Sheet: Strong Balance Sheet.
Growth: Good revenue growth. With 77.4% growth over past three years, the company is going strong.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Dividend: Dividend paying stock. Dividend yield of 2.85%.
Profitability: Recent profitability of 11% is a good sign.
No major cons observed.
Technicals: Bullish SharesGuru indicator.
Past Returns: In past three years, the stock has provided 16% return compared to 12.2% by NIFTY 50.
Size: It is among the top 200 market size companies of india.
Balance Sheet: Strong Balance Sheet.
Growth: Good revenue growth. With 77.4% growth over past three years, the company is going strong.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Dividend: Dividend paying stock. Dividend yield of 2.85%.
Profitability: Recent profitability of 11% is a good sign.
No major cons observed.
Investor Care | |
|---|---|
| Dividend Yield | 2.85% |
| Dividend/Share (TTM) | 4.05 |
| Shares Dilution (1Y) | 0.00% |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 33.94 |
| RSI (5d) | 38.08 |
| RSI (21d) | 39.77 |
| MACD Signal | Sell |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Sell |
| RSI Signal | Hold |
| RSI5 Signal | Hold |
| RSI21 Signal | Hold |
| SMA 5 Signal | Sell |
| SMA 10 Signal | Sell |
| SMA 20 Signal | Sell |
| SMA 50 Signal | Sell |
| SMA 100 Signal | Sell |
Updated May 5, 2025
Despite long-term growth, recent quarterly results indicate fluctuations in net profit.
There has been a slight rise in Gross NPA in the latest data, raising investor concerns.
Shares of State Bank of India fell by 3.14% today, which contrasts with the overall bullish market.
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 at Bank of India provided a positive outlook for FY26 during the earnings conference call held on October 17, 2025. The key details included the following forward-looking points:
GDP and Economic Growth: The domestic GDP growth is projected at 6.80% for FY26, supported by government reforms such as GST 2.0 and new Income Tax initiatives. The banking sector is noted to be resilient with strong balance sheets, contributing to economic stability.
Business Growth Targets: Management anticipates global advances growth to be around 12-13% and global deposit growth at approximately 10-11% for FY26. This is in alignment with maintaining margin stability and mobilizing low-cost deposits.
Profitability Metrics: The net profit for Q2 FY26 was reported to be Rs. 2,555 crore, showing an 8% year-over-year increase. For the half-year ending September 2025, net profit reached Rs. 4,800 crore, up over 18% from Rs. 4,076 crore in the same period the previous year.
Operating Profit and NIM Concerns: The operating profit was Rs. 3,821 crore for Q2 FY26, while the global net interest margin (NIM) decreased to 2.41%, down from 2.55% as of the prior quarter. Management expects NIM to stabilize and improve in Q4 FY26 following term deposit repricing.
Asset Quality Improvement: The gross NPA ratio improved significantly by 187 basis points to 2.54% in Q2 FY26. The management committed to enhancing asset quality further and maintaining a provision coverage ratio of 93.39%.
IT and Digital Investment: An IT budget of Rs. 2,000 crore has been allocated for FY26 to facilitate technology transformation, cybersecurity improvements, and digital initiatives, particularly in retail and MSME lending.
Recovery Targets: Management has set an internal recovery target of approximately Rs. 10,000 crore for the financial year from the NPA book.
These points reflect management's strategic vision to leverage growth opportunities while maintaining asset quality and profitability amid changing economic conditions.
Understand Bank of India ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| PRESIDENT OF INDIA | 73.38% |
| LIFE INSURANCE CORPORATION OF INDIA - P & GS Fund | 8.48% |
| SBI PSU FUND | 1.65% |
| Any Other(FII'S) | 0% |
| Other Directors | 0% |
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 | 9.01 LCr | 6.9 LCr | +0.30% | +14.70% | 9.3 | 1.3 | - | - |
| BANKBARODA | Bank Of Baroda | 1.49 LCr | 1.54 LCr |
Comprehensive comparison against sector averages
BANKINDIA metrics compared to Banks
| Category | BANKINDIA | Banks |
|---|---|---|
| PE | 5.61 | 9.61 |
| PS | 0.76 | 1.17 |
| Growth | 14.3 % | 8.8 % |
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 - 2025)
State Bank of India has reported consistent growth in revenue and net profit over the past five years.
General • 17 Dec 2025 Investor/Analyst Meet |
General • 16 Dec 2025 Investor/Analyst Meet dated 16.12.2025 |
General • 12 Dec 2025 Bank of India has informed the Exchange regarding ''issue of BASEL III Compliant Tier II Bonds of Rs.2,500 Crores'' |
Appointment of Statutory Auditor/s • 11 Dec 2025 Continuation of Statutory Central Auditors (SCAs) of the Bank |
General • 10 Dec 2025 Bank of India has informed the Exchange regarding issue of BASEL III Compliant Tier II Bonds of Rs.2500 Crs. |
Newspaper Publication • 09 Dec 2025 Newspaper Publication - Notice to Shareholders regarding Proposed Transfer of Equity Shares of the bank to IEPF. |
This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.
1. Question: Can you please provide insights on the trajectory of Net Interest Margin (NIM) from Q3 onwards?
Answer: Our global NIM fell from 2.55% in Q2 to 2.41% by Q3 due to the recent 50 bps repo rate cut. However, the full repricing of term deposits is expected in Q3, leading to an improvement in NIM starting Q4.
2. Question: What guidance can you provide regarding Return on Assets (ROA) for FY26?
Answer: Our ROA improved from 0.82% in June 2025 to 0.91% in Q2 FY26, and half-yearly ROA stands at 0.87%. Cautiously, we guide for about 0.90% ROA for FY26, given upcoming NIM improvements.
3. Question: What is your outlook for credit and deposit growth for the financial year?
Answer: We maintain guidance for global advances growth at 12-13% and global deposit growth at around 10-11% for FY26. This is cautious, given geopolitical influences affecting the market.
4. Question: What is the planned IT expenditure for FY26 and any plans for equity raising?
Answer: Our IT budget for FY26 is set at Rs. 2,000 crores, focused on technology transformation. Currently, we do not have any board approval or plans for equity capital raising this financial year.
5. Question: Is there potential for growth in the share advance and IPO financing segments?
Answer: We are keenly exploring opportunities in M&A and IPO financing, enabled by recent RBI notifications. This applies to both our domestic and international branches.
6. Question: Can you comment on the gold loan's performance due to rising prices?
Answer: Our current gold loan book stands at approximately Rs. 40,000 crores, showing a healthy performance. Notably, we have seen growth in this segment during Q2 due to rising gold prices.
7. Question: What explains the sharp increase in "other income" this quarter?
Answer: The rise in other non-interest income from Rs. 506 crores to Rs. 822 crores was due to income from selling PSLC worth Rs. 124 crores and stabilizing penal charges linked to rising advances.
8. Question: What is the expected impact of ECL transition on CRAR?
Answer: We estimate that the impact on our CRAR from the ECL transition will be around 1%. Our current CRAR stands strong at 16.69%, and we plan to manage this impact over the upcoming financial years.
9. Question: What is your target for NPA recoveries this year?
Answer: We have set an internal recovery target of Rs. 10,000 crores from our NPA book for the financial year, including collections and potential upgrades from fresh slippages.
This summary captures key questions and succinct responses within character limits as requested.
Distribution across major stakeholders
Distribution across major institutional holders
| -0.10% |
| +12.40% |
| 6.19 |
| 0.96 |
| - |
| - |
| PNB | Punjab National Bank | 1.37 LCr | 1.47 LCr | -3.00% | +12.60% | 7.47 | 0.93 | - | - |
| CANBK | Canara Bank | 1.36 LCr | 1.61 LCr | +0.70% | +42.80% | 5.99 | 0.85 | - | - |
| UNIONBANK | Union Bank of India | 1.17 LCr | 1.3 LCr | -0.70% | +22.40% | 6.24 | 0.9 | - | - |
| Employees cost | 2.3% | 2,476 | 2,420 | 2,906 | 2,462 | 2,653 | 2,367 |
| Other operating expenses | 0.8% | 1,881 | 1,867 | 1,778 | 1,707 | 1,741 | 1,597 |
| Operating expenses | 1.7% | 4,358 | 4,287 | 4,683 | 4,169 | 4,394 | 3,964 |
| Operating profit | -5.4% | 3,852 | 4,070 | 4,918 | 3,763 | 4,201 | 3,727 |
| Provisions other than tax and contingencies | -55.8% | 492 | 1,112 | 1,366 | 317 | 1,062 | 1,305 |
| Exceptional items | 99.8% | 0 | -518.8 | 0 | 0 | 0 | 0 |
| Profit before tax | 37.8% | 3,361 | 2,439 | 3,551 | 3,447 | 3,138 | 2,422 |
| Tax expense | 23.7% | 835 | 675 | 904 | 888 | 740 | 688 |
| Profit after tax | 43.2% | 2,526 | 1,764 | 2,648 | 2,559 | 2,399 | 1,734 |
| Net profit (loss) for the period | 43.2% | 2,526 | 1,764 | 2,648 | 2,559 | 2,399 | 1,734 |
| Profit (loss) of minority interest | -4120% | -1.11 | 0.95 | 0.34 | 1.47 | 0.46 | 1.62 |
| Reserve excluding revaluation reserves | - | - | - | - | - | - | - |
| CET 1 ratio | -0.7% | 0.1448 | 0.1506 | 0.1559 | 0.1367 | 0.1426 | 0.1433 |
| Additional tier 1 ratio | 0% | 059 | 062 | 062 | 063 | 065 | 066 |
| Other income |
| 47.6% |
| 8,994 |
| 6,095 |
| 7,100 |
| 7,879 |
| 7,441 |
| 6,713 |
| Total income | 19.5% | 79,820 | 66,804 | 54,748 | 45,955 | 48,041 | 49,066 |
| Total expenditure | 20.2% | 63,408 | 52,736 | 41,355 | 35,966 | 37,169 | 37,548 |
| Interest expended | 23.3% | 46,432 | 37,657 | 27,373 | 24,014 | 26,330 | 27,096 |
| Employees cost | 12.1% | 10,300 | 9,188 | 8,392 | 7,056 | 6,473 | 6,141 |
| Other operating expenses | 13.3% | 6,676 | 5,891 | 5,590 | 4,897 | 4,366 | 4,310 |
| Operating expenses | 12.6% | 16,975 | 15,079 | 13,982 | 11,952 | 10,839 | 10,451 |
| Operating profit | 16.7% | 16,412 | 14,069 | 13,393 | 9,988 | 10,872 | 11,519 |
| Provisions other than tax and contingencies | 0.2% | 3,978 | 3,970 | 7,163 | 4,422 | 7,636 | 16,121 |
| Profit before tax | 23.1% | 12,434 | 10,099 | 6,229 | 5,567 | 3,237 | -4,602.73 |
| Tax expense | -15% | 3,215 | 3,781 | 2,206 | 2,162 | 1,076 | -1,645.84 |
| Profit after tax | 45.9% | 9,219 | 6,318 | 4,023 | 3,405 | 2,160 | -2,956.89 |
| Net profit (loss) for the period | 45.9% | 9,219 | 6,318 | 4,023 | 3,405 | 2,160 | -2,956.89 |
| Reserve excluding revaluation reserves | - | 65,781 | - | - | - | - | - |
| CET 1 ratio | -0.1% | 0.1484 | 0.1493 | 0.136 | 0.1402 | 0.1151 | 0.0988 |
| Additional tier 1 ratio | -0.1% | 063 | 069 | 08 | 043 | 045 | 02 |
| Gross non performing assets | -25.5% | 21,749 | 29,183 | 37,686 | 45,605 | 56,535 | 61,550 |
| Non performing assets | -21.7% | 5,358 | 6,845 | 8,054 | 9,852 | 12,262 | 14,320 |
| Return on assets | 0.2% | 09 | 07 | 049 | 043 | 013 | -043 |
| Reserves and surplus | 4.4% | 77,287 | 74,048 | 67,255 | 64,327 | 56,792 | 54,866 |
| Deposits | 4.5% | 853,301 | 816,541 | 775,181 | 737,920 | 703,751 | 669,586 |
| Borrowings | -4.8% | 117,932 | 123,856 | 118,816 | 80,924 | 65,360 | 64,979 |
| Other liabilities and provisions | 3.4% | 24,385 | 23,583 | 21,053 | 24,873 | 23,021 | 22,020 |
| Total capital and liabilities | 3.3% | 1,077,458 | 1,042,582 | 986,857 | 912,598 | 853,028 | 815,556 |
| Change in trade payables |
| 15.1% |
| 78,621 |
| 68,334 |
| 41,690 |
| 782 |
| - |
| - |
| Adjustments for Provisions | 7.9% | 4,260 | 3,947 | 5,956 | 4,024 | - | - |
| Total adj. for working capital | 129.6% | 4,685 | -15,808.65 | -13,188.6 | -42,339.07 | - | - |
| Net Cashflows From Operations | 538.6% | 18,358 | -4,184.28 | -6,193.05 | -34,736.84 | - | - |
| Dividends received | -125.7% | -36.08 | -15.43 | -21.25 | -18.45 | - | - |
| Income taxes paid (refund) | 106.2% | 80 | -1,266.41 | -414.88 | 561 | - | - |
| Net Cashflows From Operating Activities | 721.6% | 18,242 | -2,933.3 | -5,799.42 | -35,316.26 | - | - |
| Proceeds from sales of tangible assets | 156.2% | 42 | 17 | 138 | 20 | - | - |
| Purchase of tangible assets | -16% | 697 | 830 | 642 | 569 | - | - |
| Dividends received | 150% | 36 | 15 | 21 | 18 | - | - |
| Net Cashflows From Investing Activities | 56.5% | -820.81 | -1,890.23 | -1,345.02 | -834.66 | - | - |
| Proceeds from issuing shares | -100% | 0 | 4,480 | 0 | 2,532 | - | - |
| Proceeds from issuing debt etc | 400.8% | 2,500 | 500 | 1,500 | -700 | - | - |
| Dividends paid | 55.4% | 1,275 | 821 | 821 | 0 | - | - |
| Interest paid | 64.1% | 1,302 | 794 | 697 | 704 | - | - |
| Net Cashflows From Financing Activities | -102.3% | -77.22 | 3,365 | -17.88 | 1,128 | - | - |
| Net change in cash and cash eq. | 1288.5% | 17,344 | -1,458.19 | -7,162.32 | -35,023.02 | - | - |
Newspaper Publication • 09 Dec 2025 Newspaper Publication - Notice to Shareholders regarding Proposed Transfer of Equity Shares of the bank to IEPF. |
Analysis of Bank of India's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
Last Updated: Dec 31, 2025
| Description | Share | Value |
|---|---|---|
| Retail Banking Operations | 38.5% | 8.3 kCr |
| Wholesale Banking Operations | 34.3% | 7.4 kCr |
| Treasury Operations | 26.4% | 5.7 kCr |
| Unallocated | 0.7% | 157.5 Cr |
| Total | 21.6 kCr |