Bank Of Baroda Ltd, Fundamental analysis

Bank Of Baroda Ltd - Technical chart

consolidated in Rs/Cr.

Industry Industry name	Banks
Variance Full Year Net Profit Variance	-4
Equity Latest Equity	1034.27
Face Value Latest Face Value	2
Reserves Total Reserve	164832.55
Dividend Full Year Dividend %	425
Sales Turnover Full Year Net Sales	156825.44
Net Profit Full Year Net Profit	19834.6
Full Year CPS Full Year Cash Per Share	42.2
Earning Per Share Full Year Earning Per Share	38.4
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Mar 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	39988.18
Previous EPS Previous earnings per share	0
Book Value Book value	320.7
Networth Full Year Return on Networth	12.47
Price/Book Value Price to Book value	0.773308
Yearly PE ratio Full Year Price to Earning per share	6.5
Yearly PC ratio Full Year Price to Cash Per Share	5.9
Bse value BSE Value in lakhs	913.9
Nse value NSE Value in lakhs	13101.46
High 52 week high	326
Low 52 week low	231
Price NSE Current market price	248
CPM Current market price	248

Market cap BSE / NSE Market Cap	128327.35
Net profit Latest Quarter Net Profit	5800.78
Net profit variance Latest Quarter Net Profit variance	7
Result year Trailing latest month	Mar 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	147950.49
TTM OP Trailing Twelve 12 month Operating Profit	-11.83
TTM OPM Trailing Twelve 12 month Operating Profit Margin	-0.01
TTM GP Trailing Twelve 12 month Gross Profit	26907.99
TTM GPM Trailing Twelve 12 month Gross Profit Margin	17.16
TTM NP Trailing Twelve 12 month Net Profit	20003.88
TTM NPV Trailing Twelve 12 month Net Profit Variane	-4.07
TTM EPS Trailing Twelve 12 month EPS	38.35
TTM PE Trailing Twelve 12 month PE	6.47
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	1034.27
LTP Latest Price (BSE/NSE)	248
Gross block Latest Gross Block	31983.12
Loans Total loans	1675895.11
Advances Latest Advances for Banks	1440458.29
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	69.3
Year GPM Full Year Gross Profit Margin	17.2
Quarter OPM Latest quater Operation Profit Margin	67.1

Quarterly Results (consolidated, figures in Rs Cr.)

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
+ Sales	31,143	31,902	32,570	32,820	32,866	33,318	33,600	34,514
YOY Sales Growth %	11%	9%	8%	6%	6%	4%	3%	5%
Gross Sales	31,143	31,902	32,570	32,820	32,866	33,318	33,600	34,514
+ Expenses	10,879	12,755	10,654	12,712	12,928	11,548	12,390	13,155
Manufacturing Cost %	13%	15%	14%	16%	15%	16%	16%	18%
Employee Cost %	14%	14%	14%	14%	14%	13%	13%	11%
Other Cost %	8%	12%	5%	8%	10%	5%	8%	10%
Other Manufacturing Expenses %	13%	15%	14%	16%	15%	16%	16%	18%
Provisions & Contingencies %	8%	12%	5%	8%	10%	5%	8%	10%
Operating Profit	20,264	19,147	21,915	20,108	19,938	21,770	21,210	21,358
OPM %	65%	60%	67%	61%	61%	65%	63%	62%
+ Other Income	4,658	7,553	5,163	7,076	5,538	5,116	6,399	5,474
Miscellaneous Income	4,658	7,553	5,163	7,076	5,538	5,116	6,399	5,474
Interest / Discount on Advances or Bills	23,363	23,813	24,574	24,357	24,470	24,353	24,930	25,643
Interest on Investments	7,228	7,114	7,656	7,287	7,223	7,284	7,191	7,075
Interest on Balances with RBI	401	733	229	619	659	757	703	632
Other Interest	152	243	111	557	515	924	775	1,163
Interest	18,582	19,266	20,143	20,273	20,307	20,191	20,586	20,776
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	6,340	7,434	6,935	6,911	5,170	6,695	7,024	6,057
+ Tax %	28%	27%	26%	23%	35%	24%	23%	7%
Current Tax	1,759	1,979	1,818	1,604	1,818	1,625	1,617	409
+ Net Profit	4,764	5,405	5,250	5,447	3,517	5,181	5,501	5,872
Profit / Loss of Associates	184	-50	133	140	165	110	94	224
Minority Interest (After Tax)	-36	-50	-36	-27	-48	-47	-58	-71
Net Profit After Minority Interest	4,728	5,355	5,214	5,420	3,469	5,134	5,443	5,801
EPS in Rs	9.14	10.36	10.08	10.48	6.71	9.93	10.53	11.22

Profit & Loss (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	44,473	46,056	52,906	78,895	74,314	73,385	94,139	118,379	127,945	134,298
Sales Growth %		4%	15%	49%	-6%	-1%	28%	26%	8%	5%
Gross Sales	42,200	32,609	52,906	78,895	74,314	73,385	94,503	118,379	128,435	134,298
+ Expenses	21,251	31,743	26,763	42,280	39,993	38,956	40,271	46,080	47,000	50,021
Manufacturing Cost %	1%	2%	2%	1%	2%	1%	1%	1%	1%	1%
Employee Cost %	11%	11%	10%	13%	16%	17%	15%	14%	14%	13%
Other Cost %	35%	57%	39%	39%	36%	34%	26%	24%	22%	23%
Other Manufacturing Expenses %	1%	2%	2%	1%	2%	1%	1%	1%	1%	1%
Selling & Administration %	5%	5%	5%	4%	5%	5%	5%	4%	4%	5%
Miscellaneous Expenses %	26%	40%	32%	33%	29%	27%	20%	18%	16%	17%
Provisions & Contingencies %	19%	18%	26%	27%	22%	19%	10%	10%	8%	8%
Operating Profit	23,222	14,314	26,143	36,615	34,321	34,429	53,867	72,299	80,945	84,277
OPM %	52%	31%	49%	46%	46%	47%	57%	61%	63%	63%
+ Other Income	7,937	7,992	7,887	12,191	15,254	14,395	16,639	23,399	24,939	22,527
Miscellaneous Income	6,758	4,961	7,887	12,191	14,776	14,406	16,275	23,399	24,449	22,527
Interest / Discount on Advances or Bills	27,524	21,613	35,623	55,491	51,427	50,751	66,141	87,648	96,107	99,396
Interest on Investments	10,596	7,639	14,175	19,234	19,275	19,536	24,801	27,842	29,284	28,773
Interest on Balances with RBI	1,991	2,032	2,013	2,160	1,693	1,138	1,614	1,934	1,982	2,752
Other Interest	2,089	1,325	1,095	2,010	1,918	1,960	1,947	955	1,062	3,377
Interest	29,596	29,160	32,506	50,040	43,201	38,815	49,942	69,899	78,265	81,860
Depreciation	540	901	948	1,697	1,357	1,438	2,032	1,694	1,467	1,963
Profit before tax	2,473	1,216	1,525	-1,234	6,373	10,008	20,565	25,799	27,619	24,945
+ Tax %	50%	-16%	29%	176%	77%	23%	29%	29%	26%	22%
Current Tax	1,247	-194	438	-2,176	4,919	2,308	5,877	7,390	7,160	5,468
+ Net Profit	1,461	747	1,166	981	1,620	7,933	15,005	18,869	20,865	20,070
Profit Growth %		-52%	62%	-13%	54%	430%	91%	25%	11%	-5%
Profit / Loss of Associates	78	76	79	39	166	233	317	459	406	593
Minority Interest (After Tax)	-40	-51	-66	-53	-73	-83	-100	-101	-149	-224
Net Profit After Minority Interest	1,815	-1,887	1,100	928	1,548	7,850	14,905	18,767	20,716	19,846
EPS in Rs	7.69	-7.21	4.10	2.04	2.81	14.87	28.37	35.56	39.51	37.62

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	462	530	530	925	1,036	1,036	1,036	1,036	1,036	1,036
Reserves	42,605	46,036	49,424	75,179	81,354	90,833	104,019	118,677	145,467	164,833
+ Borrowings	648,499	672,311	734,456	1,068,981	1,067,173	1,185,331	1,342,592	1,461,940	1,632,501	1,846,192
Secured Borrowings	31,242	64,860	68,868	95,753	71,263	109,526	107,910	101,959	135,813	170,297
Unsecured Borrowings	617,257	607,451	665,589	973,228	995,910	1,075,804	1,234,682	1,359,980	1,496,688	1,675,895
Deferred Credit	16,183	12,284	13,900	10,728	6,986	7,527	9,238	8,021	17,594	53,283
+ Other Liabilities	27,649	28,919	35,259	54,850	53,104	62,922	78,224	73,123	82,762	89,425
Current Liabilities	27,422	31,750	33,017	58,400	55,391	65,148	80,575	50,794	56,761	92,647
Minority Interest	233	273	341	386	436	758	995	1,018	1,248	1,498
Policy Holders Fund	0	0	0	0	0	0	0	24,818	29,310	0
Equity Application Money	0	0	5,042	0	0	0	0	0	0	0
Total Liabilities	719,216	747,796	819,670	1,199,935	1,202,667	1,340,121	1,525,871	1,654,775	1,861,766	2,101,485
+ Fixed Assets	5,930	5,532	7,368	9,268	8,438	11,098	9,865	9,054	13,544	13,107
Gross Block	11,318	11,788	14,447	20,535	20,769	24,854	25,441	26,085	31,066	31,983
Accumulated Depreciation	5,389	6,255	7,080	11,268	12,331	13,756	15,576	17,032	17,522	18,876
CWIP	0	0	0	0	2	1	3	6	1	1
Investments	140,716	175,137	195,716	289,727	281,859	347,587	397,487	407,136	427,380	435,778
+ Other Assets	572,570	567,126	616,586	900,941	912,367	981,435	1,118,516	1,238,579	1,420,842	1,652,599
Cash Equivalents	154,115	97,423	97,885	131,005	128,661	130,229	102,373	100,290	132,478	160,823
Loans n Advances	418,459	472,808	521,842	773,871	786,428	854,190	1,019,488	1,141,797	1,292,919	1,496,496
Other asset items	-5	-3,104	-3,141	-3,935	-2,722	-2,983	-3,346	-3,507	-4,555	-4,720
Total Assets	719,216	747,796	819,670	1,199,935	1,202,667	1,340,121	1,525,871	1,654,775	1,861,766	2,101,485

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	17,865	-59,692	-1,449	18,531	-887	6,210	-21,271	-6,274	34,892	33,426
Profit from Operations	14,095	15,585	17,714	23,028	26,344	27,661	34,361	41,498	42,709	42,031
Working Capital Changes	2,521	-76,237	-14,863	-21,242	-21,902	-20,443	-50,014	-39,468	1,811	-3,759
Profit Before Tax & Extraordinary Items	3,062	-2,081	1,538	-1,248	6,467	10,158	20,782	26,157	27,876	25,314
Depreciation	540	901	948	1,697	1,357	1,438	2,032	1,694	1,467	2,047
Interest (Net)	1,131	1,187	1,187	1,674	1,915	1,958	1,935	1,910	3,126	3,463
Dividend Received	0	0	0	0	0	-6	0	0	0	0
Profit / Loss on Sale of Assets	-78	-90	-15	-4	-271	-4	-14	-6	-40	-12
Provisions & Write-offs (Net)	9,440	15,667	14,056	20,909	16,876	14,118	9,627	11,743	10,280	11,220
Loans & Advances	-8,600	-60,014	-58,597	-57,364	-29,251	-88,853	-170,922	-132,197	-153,728	-209,526
Change in Borrowing	-3,536	34,060	3,453	12,603	-25,308	37,624	708	-16,002	23,673	28,669
Change in Deposits	30,566	-9,806	58,137	31,171	22,682	79,895	158,878	117,120	144,886	179,199
Direct Taxes Paid	1,249	960	-4,300	-267	-5,329	-1,008	-5,618	-8,303	-9,628	-4,846
+ Cash from Investing Activity	-551	-414	-2,537	-139	-471	-3,645	-1,096	-1,285	-6,494	-3,275
Purchase of Fixed Assets	-828	-613	-2,666	-3,303	-2,786	-3,405	-983	-1,355	-6,332	-1,816
Sale of Fixed Assets	278	199	129	3,166	2,527	0	197	477	420	301
Dividend Received	0	0	0	0	0	6	0	0	0	0
Others	0	0	0	-2	-212	-246	-310	-407	-581	-1,760
+ Cash from Financing Activity	-198	3,413	4,449	14,729	-986	-998	-5,488	5,476	3,790	-1,806
Proceeds from Issue of Shares	0	5,375	5,082	8,293	110	0	0	0	1	3
Proceeds from Other Long-Term Borrowings	0	0	554	8,110	819	639	0	10,051	10,181	5,815
Repayment of Long-Term Borrowings	0	0	0	0	0	0	-2,324	0	0	0
Dividend Paid	0	-333	0	0	0	0	-1,466	-2,844	-3,930	-4,318
Interest Paid	-1,131	-1,187	-1,187	-1,674	-1,915	-1,958	-1,935	-1,754	-2,691	-3,556
Others	932	-442	0	0	0	322	237	23	230	251
Net Cash Flow	17,116	-56,692	462	33,120	-2,344	1,567	-27,855	-2,084	32,188	28,345