Bank of Baroda Limited BANKBARODA NSEFINANCIALPSU
Company Overview
Bank of Baroda Limited provides various banking products and services to individuals, government departments, and corporate customers in India and internationally. It operates through Treasury, Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers savings, salary, and current accounts; and fixed and recurring deposits. It also provides loans, including home, vehicle, digital, personal, education, gold, mortgage, and other loans, as well as Baroda Yoddha loans for defense personnel and fintech credit; loans and advances for corporate, agriculture, and micro, small, and medium enterprises; export finance, foreign currency credits, foreign currency non-resident loans, treasury, external commercial borrowing, and import finance; and supply chain finance. In addition, the company offers life insurance, general insurance, and standalone health insurance products; digital payment, instant banking, and merchant payment solutions; debit, credit, and prepaid cards; investment products; trade, FX, and remittances; and other services. Bank of Baroda Limited was incorporated in 1908 and is headquartered in Vadodara, India.
Why Investors Should Care
Net profit has compounded at 10.0% per year over the last five years.
Revenue has grown at a 10.3% CAGR over the past five years.
Trades at a P/E of 6.5, below the sector median of 19.8.
Maintains a net profit margin of 26.5%.
Offers a dividend yield of 3.39%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Mar 2026 Revenue of ₹74,870.21 Cr (+0.4% YoY); net profit ₹19,846.43 Cr.
- Trailing 12 Months Year-on-year growth — revenue +0.4%, earnings -4.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 10.3%, profit CAGR 10.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 10.30% |
| 1 Year: | 0.43% |
Compounded Profit Growth
| 5 Years: | 10.01% |
| 1 Year: | -4.20% |
Stock Price Performance
| 1 Year: | +7.52% |
| 6 Months: | -15.02% |
| 3 Months: | -8.43% |
| 1 Month: | -9.66% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)38.67 · Neutral
P/E of 6.48 is below the sector median of 19.81 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 26.5%.
- Compounding revenue at 10.3% over 5 years.
- Profit CAGR of 10.0% over 5 years.
- Attractive dividend yield of 3.39%.
- Generates positive free cash flow.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | BANKBARODA Bank of Baroda Limited NSEFINANCIALPSU | 248.75 | 6.48 | ₹1.29 L Cr | 3.39% | - | 11.97% | 10.30% | 10.01% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 815.55 | 16.51 | ₹12.48 L Cr | 1.58% | - | 13.62% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.10 | 19.03 | ₹10.19 L Cr | 0.86% | - | 14.93% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,031.00 | 11.31 | ₹9.52 L Cr | 1.67% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,032.90 | 33.85 | ₹6.43 L Cr | 0.53% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 443.80 | 9.77 | ₹5.61 L Cr | 2.26% | - | 32.53% | 7.26% | 16.86% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,340.20 | 15.86 | ₹4.17 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 8 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 381.30 | 19.66 | ₹3.79 L Cr | 0.17% | - | 10.64% | 13.48% | 8.92% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,887.10 | 34.31 | ₹3.02 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 27,196.00 Cr | 28,003.00 Cr | 29,263.00 Cr | 30,042.00 Cr | 31,072.00 Cr | 31,143.00 Cr | 31,902.00 Cr | 17,589.27 Cr | 19,622.52 Cr | 18,097.62 Cr | 33,318.00 Cr | 19,413.18 Cr | 19,211.96 Cr |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | 10,642.00 Cr | 11,040.00 Cr | 12,216.00 Cr | 10,556.00 Cr | 12,269.00 Cr | 10,879.00 Cr | 12,755.00 Cr | 9,157.55 Cr | 10,143.63 Cr | 9,511.99 Cr | 11,548.00 Cr | 9,761.54 Cr | 9,693.94 Cr |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | 14,790.00 Cr | 16,060.00 Cr | 17,528.00 Cr | 18,002.00 Cr | 18,309.00 Cr | 18,582.00 Cr | 19,266.00 Cr | 20,143.22 Cr | 20,273.21 Cr | 20,306.54 Cr | 20,191.00 Cr | 20,585.82 Cr | 20,776.22 Cr |
| Pretax Income | 7,096.00 Cr | 6,217.00 Cr | 6,023.00 Cr | 6,526.00 Cr | 7,033.00 Cr | 6,340.00 Cr | 7,434.00 Cr | 6,934.83 Cr | 6,910.86 Cr | 5,169.66 Cr | 6,695.00 Cr | 7,023.53 Cr | 6,056.53 Cr |
| Tax Provision | 1,986.88 Cr | 1,927.27 Cr | 1,686.44 Cr | 1,762.02 Cr | 2,039.57 Cr | 1,775.20 Cr | 2,007.18 Cr | 1,818.01 Cr | 1,603.86 Cr | 1,817.78 Cr | 1,606.80 Cr | 1,616.51 Cr | 408.57 Cr |
| Net Income | 5,315.00 Cr | 4,468.00 Cr | 4,426.00 Cr | 4,815.00 Cr | 5,160.00 Cr | 4,764.00 Cr | 5,405.00 Cr | 5,213.72 Cr | 5,419.70 Cr | 3,469.16 Cr | 5,181.00 Cr | 5,442.92 Cr | 5,800.78 Cr |
| Diluted EPS | 10.16 | 8.61 | 8.50 | 9.26 | 9.92 | 9.14 | 10.36 | 10.08 | 10.48 | 6.71 | 9.93 | 10.53 | 11.22 |
Profit & Loss (Annual)
Figures in INR.
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 44,915.00 Cr | 45,799.00 Cr | 44,473.00 Cr | 46,056.00 Cr | 52,906.00 Cr | 78,895.00 Cr | 74,314.00 Cr | - | 55,791.06 Cr | 67,901.27 Cr | 74,546.64 Cr | 74,870.21 Cr |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | 13,466.00 Cr | 25,391.00 Cr | 19,250.00 Cr | 26,093.00 Cr | 25,815.00 Cr | 40,583.00 Cr | 38,636.00 Cr | - | 33,420.22 Cr | 39,901.04 Cr | 40,993.97 Cr | 42,388.89 Cr |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | 30,547.00 Cr | 32,107.00 Cr | 29,596.00 Cr | 29,160.00 Cr | 32,506.00 Cr | 50,040.00 Cr | 43,201.00 Cr | - | 49,942.17 Cr | 69,899.08 Cr | 78,264.92 Cr | 81,859.93 Cr |
| Pretax Income | 5,983.00 Cr | -6,233.00 Cr | 3,024.00 Cr | -2,106.00 Cr | 1,525.00 Cr | -1,234.00 Cr | 6,373.00 Cr | - | 20,881.89 Cr | 26,258.58 Cr | 28,024.87 Cr | 25,537.79 Cr |
| Tax Provision | 2,153.88 Cr | 1,184.27 Cr | 1,239.84 Cr | 189.54 Cr | 442.25 Cr | 2,171.84 Cr | 4,907.21 Cr | - | 5,876.67 Cr | 7,389.71 Cr | 7,159.61 Cr | 5,467.53 Cr |
| Net Income | 3,950.00 Cr | -5,033.00 Cr | 1,855.00 Cr | -1,836.00 Cr | 1,166.00 Cr | 981.00 Cr | 1,620.00 Cr | - | 14,905.20 Cr | 18,767.38 Cr | 20,716.33 Cr | 19,846.43 Cr |
| Diluted EPS | 17.69 | -21.99 | 7.88 | -7.13 | 4.16 | 2.01 | 2.99 | - | 28.82 | 36.29 | 40.06 | 38.38 |
Balance Sheet (Annual)
Figures in INR.
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 7.34 L Cr | 6.91 L Cr | 7.19 L Cr | 7.48 L Cr | 8.20 L Cr | 12.00 L Cr | 12.03 L Cr | 13.40 L Cr | 15.26 L Cr | 16.55 L Cr | 18.62 L Cr | 21.02 L Cr |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | - | - | - | - | - | - | - | - | 1.02 L Cr | 1.00 L Cr | 1.32 L Cr | 1.61 L Cr |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | 47,038.85 Cr | 61,469.64 Cr | 79,547.21 Cr | 1.05 L Cr |
| Total Liabilities | - | - | - | - | - | - | - | - | 14.20 L Cr | 15.34 L Cr | 17.14 L Cr | 19.34 L Cr |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Debt | - | - | - | - | - | - | - | - | 1.05 L Cr | 93,089.10 Cr | 1.06 L Cr | 1.55 L Cr |
| Total Equity | 42,018.00 Cr | 42,503.00 Cr | 43,067.00 Cr | 46,566.00 Cr | 54,996.00 Cr | 76,104.00 Cr | 82,390.00 Cr | 91,869.00 Cr | 1.05 L Cr | 1.20 L Cr | 1.47 L Cr | 1.66 L Cr |
| Shares Outstanding | - | - | - | - | - | - | - | - | 517.14 Cr | 517.14 Cr | 517.14 Cr | 517.14 Cr |
Cash Flows (Annual)
Figures in INR.
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 17,838.00 Cr | -10,011.00 Cr | 17,865.00 Cr | -59,692.00 Cr | -1,449.00 Cr | 18,531.00 Cr | -887.00 Cr | - | -21,353.65 Cr | -6,273.96 Cr | 34,891.58 Cr | 33,426.12 Cr |
| Investing Cash Flow | -556.00 Cr | -4,005.00 Cr | -551.00 Cr | -414.00 Cr | -2,537.00 Cr | -139.00 Cr | -471.00 Cr | - | -1,096.26 Cr | -1,285.30 Cr | -6,493.92 Cr | -3,275.12 Cr |
| Financing Cash Flow | -6.00 Cr | -616.00 Cr | -198.00 Cr | 3,413.00 Cr | 4,449.00 Cr | 14,729.00 Cr | -986.00 Cr | - | -5,405.30 Cr | 5,475.72 Cr | 3,790.22 Cr | -1,805.61 Cr |
| Capital Expenditure | -556.00 Cr | -4,005.00 Cr | -551.00 Cr | -413.00 Cr | -2,537.00 Cr | -138.00 Cr | -259.00 Cr | - | -982.96 Cr | -1,355.46 Cr | -6,332.49 Cr | -1,816.03 Cr |
| Free Cash Flow | 17,282.00 Cr | -14,016.00 Cr | 17,314.00 Cr | -60,105.00 Cr | -3,986.00 Cr | 18,393.00 Cr | -1,146.00 Cr | - | -22,336.61 Cr | -7,629.42 Cr | 28,559.09 Cr | 31,610.09 Cr |
| Net Change in Cash | 17,276.00 Cr | -14,632.00 Cr | 17,116.00 Cr | -56,692.00 Cr | 462.00 Cr | 33,120.00 Cr | -2,344.00 Cr | - | -27,855.21 Cr | -2,083.54 Cr | 32,187.88 Cr | 28,345.39 Cr |
Ratios (Annual)
Figures in %.
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | 8.8% | -11.0% | 4.2% | -4.0% | 2.2% | 1.2% | 2.2% | - | 26.7% | 27.6% | 27.8% | 26.5% |
| ROE % | 9.4% | -11.8% | 4.3% | -3.9% | 2.1% | 1.3% | 2.0% | - | 14.2% | 15.7% | 14.1% | 12.0% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for BANKBARODA
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BANKBARODA — Frequently Asked Questions
What is the current share price of Bank of Baroda Limited (BANKBARODA)?
As of 2026-07-15 09:52 IST, Bank of Baroda Limited (BANKBARODA) trades at ₹248.75 on NSE. Its 52-week range is ₹225.54 to ₹314.28.
What is the market capitalisation of BANKBARODA?
Bank of Baroda Limited (BANKBARODA) has a market capitalisation of ₹1.29 L Cr on NSE.
What is the P/E ratio of BANKBARODA?
BANKBARODA trades at a trailing price-to-earnings (P/E) ratio of 6.48. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 0.78.
Does BANKBARODA pay a dividend?
Bank of Baroda Limited (BANKBARODA) currently offers a dividend yield of 3.39%.
What is the return on equity (ROE) of BANKBARODA?
BANKBARODA has a return on equity (ROE) of 11.97%.
Is BANKBARODA a good stock to buy?
This page provides a data-driven analysis of Bank of Baroda Limited (BANKBARODA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.