BANKBARODA
Bank of Baroda (BANKBARODA) Stock Analysis
Bank of Baroda is a major Indian public sector bank offering retail, corporate, and international banking services. It operates a large branch network in India and overseas with products across loans, deposits, and trade finance. The bank merged with Vijaya Bank and Dena Bank to scale up. It is a large-cap listed PSU banking stock.
Financial Services › Banks - Regional
₹229.00
-2.37% 1W | -11.20% 52W
Market Cap
118.4k CR
P/E Ratio
6.5
52W High
₹325.5
52W Low
₹223.8
Div. Yield
3.57%
Beta
0.4
50 DMA
₹238.8
200 DMA
₹266.6
Profit Margin
27.4%
Inst. Own.
20.5%
⚡ APPROACHING SUPPORT
⚡ APPROACHING SUPPORT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 28,003 | 29,263 | 30,042 | 31,072 | 31,143 | 31,902 | 32,570 | 32,820 | 32,866 | 33,318 | 33,600 | 34,514 | 35,115 |
| Interest | 16,060 | 17,528 | 18,002 | 18,309 | 18,582 | 19,266 | 20,143 | 20,273 | 20,307 | 20,191 | 20,586 | 20,776 | 21,301 |
| Expenses | 11,040 | 12,216 | 10,556 | 12,269 | 10,879 | 12,755 | 10,654 | 12,712 | 12,928 | 11,548 | 12,390 | 13,155 | 12,130 |
| Financing Profit | 902 | -480 | 1,484 | 494 | 1,682 | -119 | 1,772 | -165 | -368 | 1,579 | 624 | 582 | 1,684 |
| Financing Margin % | 3% | -2% | 5% | 2% | 5% | -0% | 5% | -0% | -1% | 5% | 2% | 2% | 5% |
| Other Income | 5,316 | 6,503 | 5,042 | 6,538 | 4,658 | 7,553 | 5,163 | 7,076 | 5,538 | 5,116 | 6,399 | 5,474 | 522 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 6,217 | 6,023 | 6,526 | 7,033 | 6,340 | 7,434 | 6,935 | 6,911 | 5,170 | 6,695 | 7,024 | 6,057 | 2,206 |
| Tax % | 31% | 28% | 27% | 29% | 28% | 27% | 26% | 23% | 35% | 24% | 23% | 7% | 29% |
| Net Profit | 4,468 | 4,426 | 4,815 | 5,160 | 4,764 | 5,405 | 5,250 | 5,447 | 3,517 | 5,181 | 5,501 | 5,872 | 1,839 |
| EPS in Rs | 8.61 | 8.50 | 9.26 | 9.92 | 9.14 | 10.36 | 10.08 | 10.48 | 6.71 | 9.93 | 10.53 | 11.22 | 3.45 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 44,915 | 45,799 | 44,473 | 46,056 | 52,906 | 78,895 | 74,314 | 73,385 | 94,139 | 118,379 | 127,945 | 134,298 | 136,546 |
| Interest | 30,547 | 32,107 | 29,596 | 29,160 | 32,506 | 50,040 | 43,201 | 38,815 | 49,942 | 69,899 | 78,265 | 81,860 | 82,855 |
| Expenses | 13,466 | 25,391 | 19,250 | 26,093 | 25,815 | 40,583 | 38,636 | 37,518 | 38,239 | 44,387 | 45,533 | 48,058 | 49,223 |
| Financing Profit | 902 | -11,700 | -4,372 | -9,197 | -5,414 | -11,728 | -7,523 | -2,948 | 5,957 | 4,093 | 4,147 | 4,381 | 4,469 |
| Financing Margin % | 2% | -26% | -10% | -20% | -10% | -15% | -10% | -4% | 6% | 3% | 3% | 3% | 3% |
| Other Income | 5,449 | 5,992 | 7,937 | 7,992 | 7,887 | 12,191 | 15,254 | 14,395 | 16,639 | 23,399 | 24,939 | 22,527 | 17,511 |
| Depreciation | 368 | 525 | 540 | 901 | 948 | 1,697 | 1,357 | 1,438 | 2,032 | 1,694 | 1,467 | 1,963 | 0 |
| Profit before tax | 5,983 | -6,233 | 3,024 | -2,106 | 1,525 | -1,234 | 6,373 | 10,008 | 20,565 | 25,799 | 27,619 | 24,945 | 21,981 |
| Tax % | 36% | -19% | 41% | -9% | 29% | -176% | 77% | 23% | 29% | 29% | 26% | 22% | |
| Net Profit | 3,950 | -5,033 | 1,855 | -1,836 | 1,166 | 981 | 1,620 | 7,933 | 15,005 | 18,869 | 20,865 | 20,070 | 18,392 |
| EPS in Rs | 17.69 | -21.99 | 7.88 | -7.13 | 4.16 | 2.01 | 2.99 | 15.18 | 28.82 | 36.29 | 40.06 | 38.38 | 35.13 |
| Dividend Payout % | 18% | 0% | 15% | 0% | 0% | 0% | 0% | 19% | 19% | 21% | 21% | 22% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 13.0% | 13.0% | 11.0% |
| Profit CAGR | 10.0% | 73.0% | 19.0% |
Shareholding Pattern
Promoters63.97%
FIIs8.71%
DIIs18.93%
Public8.30%
Promoters63.97%
FIIs9.84%
DIIs18.72%
Public7.37%
Promoters63.97%
FIIs9.69%
DIIs18.92%
Public7.33%
Promoters63.97%
FIIs10.14%
DIIs18.33%
Public7.47%
Promoters63.97%
FIIs10.29%
DIIs17.83%
Public7.81%
Promoters63.97%
FIIs10.93%
DIIs16.74%
Public8.10%
Promoters63.97%
FIIs12.40%
DIIs16.04%
Public7.32%
Promoters63.97%
FIIs8.98%
DIIs17.97%
Public8.83%
Promoters63.97%
FIIs9.69%
DIIs18.92%
Public7.33%
Promoters63.97%
FIIs10.29%
DIIs17.83%
Public7.81%
BANKBARODA
Holdings Analysis
Key strengths & risk signals
62
Overall
81
Fundamental
44
Technical
Risks (3)
WEAK POSITION! Current price (229.0) is below both moving averages.
WEAK YEAR! Stock declined 11.2% in the last year.
WEAK! Trading at 5.1% of 52W range - near yearly lows.
Strengths (3)
UNDERVALUED! PEG of 0.65 indicates stock is cheap relative to growth.
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
NEUTRAL! RSI at 40.3 - balanced momentum.
Fundamental & Technical Analysis
62Overall
81Fundamental
44Technical
Fundamental Breakdown
Growth Quality
19/30
Revenue CAGR: 10.3% (GOOD, 11/15). Profit CAGR: 10.0% (MODERATE, 8/15).
Profit Margin
9/10
EXCELLENT EFFICIENCY! 27.4% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.65 indicates stock is cheap relative to growth.
Dividend Yield
7/10
GOOD DIVIDEND! 3.57% yield - decent income potential.
Debt to Equity
6/10
MODERATE DEBT! D/E of 0.72 - acceptable leverage.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 7.7% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (238.8) is below 200-day average (266.6) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (229.0) is below both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
2/10
WEAK YEAR! Stock declined 11.2% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 15 up days, 15 down days. Avg volume on up days: 6,823,655 vs down days: 8,246,711. Ratio: 0.83x
RSI
3/5
NEUTRAL! RSI at 40.3 - balanced momentum.
52W Range
1/5
WEAK! Trading at 5.1% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 2.4% (1 week), 3.8% (1 month), 7.8% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
BANKBARODA
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-30 | Concall PDF | |
| Q3FY262026-02-04 | Concall PDF | |
| Q2FY262025-11-04 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BANKBARODA | ₹229.00 | 6.5 | 27.4% | 10.3% | 10.0% | -11.2% | 62 | APPROACHING SUPPORT | -48.6% | -69.3% | +10.6% | +4.2% |
| INDIANB | ₹849.50 | 9 | 36.4% | 10.4% | 28.1% | +8.5% | 71 | CONSOLIDATING DOWN | +47.5% | +5.8% | +15.1% | +4.6% |
| CANBK | ₹124.80 | 5.7 | 43.1% | 5.0% | 20.5% | -6.2% | 76 | BREAKOUT | +62.2% | +13.3% | -12.8% | +16.8% |
| UNIONBANK | ₹168.00 | 6.2 | 40.5% | 7.6% | 31.7% | +22.6% | 75 | BREAKDOWN | +27.4% | +2.5% | +9.5% | -1.4% |
| PNB | ₹118.50 | 6.2 | 38.1% | 10.0% | 76.4% | +0.1% | 83 | BREAKOUT | +174.3% | +4.0% | -4.9% | +4.9% |
| IDBI | ₹90.40 | 10.4 | 48.6% | 7.9% | 35.5% | -11.0% | 80 | BREAKOUT | +5.3% | +6.0% | -1.4% | +7.5% |
| FEDERALBNK | ₹330.00 | 17.7 | 30.7% | 16.6% | 11.1% | +52.3% | 70 | HIT RESISTANCE | +36.8% | -6.3% | +16.7% | -6.9% |
| AUBANK | ₹999.50 | 26.4 | 25.6% | 30.4% | 22.8% | +26.5% | 78 | CONSOLIDATING DOWN | +37.0% | -4.3% | +18.5% | +2.2% |
Data from TradeAlone · Updated daily
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