CENTRALBK CENTRALBK NIFTY_SMALLNSEPSU
Company Profile ↓Company Overview
CENTRALBK (CENTRALBK) is a publicly traded company listed on NSE with a market capitalization of ₹29,607.13 Cr. The valuation, growth and price-trend signals below summarize what matters most to investors and traders evaluating the stock.
Why Investors Should Care
Net profit has compounded at 21.0% per year over the last five years.
Trades at an undemanding P/E of 7.2.
Maintains a net profit margin of 22.0%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Mar 2026 Revenue of ₹20,572.23 Cr (+4.8% YoY); net profit ₹4,523.78 Cr.
- Trailing 12 Months Year-on-year growth — revenue +4.8%, earnings +15.0%.
- 5-Year Trend Long-term compounding — revenue CAGR -2.5%, profit CAGR 21.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | -2.49% |
| 1 Year: | 4.82% |
Compounded Profit Growth
| 5 Years: | 21.04% |
| 1 Year: | 14.99% |
Stock Price Performance
| 1 Year: | -13.50% |
| 6 Months: | -9.42% |
| 3 Months: | -7.21% |
| 1 Month: | +2.64% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMABelow
- RSI (14)52.90 · Neutral
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 22.0%.
- Profit CAGR of 21.0% over 5 years.
- Generates positive free cash flow.
CONS
- Revenue declined at -2.5% CAGR over 5 years.
- 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
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 | 7,171.00 Cr | 7,259.00 Cr | 7,377.00 Cr | 7,842.00 Cr | 8,371.00 Cr | 8,367.00 Cr | 8,235.00 Cr | 4,790.69 Cr | 5,138.64 Cr | 5,188.36 Cr | 8,777.00 Cr | 5,455.20 Cr | 5,182.59 Cr |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | 4,043.00 Cr | 3,118.00 Cr | 3,534.00 Cr | 3,377.00 Cr | 3,561.00 Cr | 3,920.00 Cr | 3,500.00 Cr | 3,060.84 Cr | 3,136.17 Cr | 2,926.24 Cr | 3,328.00 Cr | 3,586.33 Cr | 2,925.48 Cr |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | 3,643.00 Cr | 4,062.00 Cr | 4,338.00 Cr | 4,672.00 Cr | 4,811.00 Cr | 4,801.00 Cr | 4,807.00 Cr | 4,983.56 Cr | 5,238.11 Cr | 5,221.75 Cr | 5,476.00 Cr | 5,551.74 Cr | 5,676.52 Cr |
| Pretax Income | 910.00 Cr | 1,038.00 Cr | 567.00 Cr | 1,122.00 Cr | 1,363.00 Cr | 812.00 Cr | 1,578.00 Cr | 1,417.69 Cr | 1,170.58 Cr | 1,877.79 Cr | 1,479.00 Cr | 1,592.28 Cr | 1,609.42 Cr |
| Tax Provision | 336.70 Cr | 612.42 Cr | -39.69 Cr | 392.70 Cr | 545.20 Cr | -73.08 Cr | 662.76 Cr | 449.51 Cr | 128.56 Cr | 617.33 Cr | 266.22 Cr | 327.34 Cr | 870.90 Cr |
| Net Income | 592.00 Cr | 498.00 Cr | 623.00 Cr | 738.00 Cr | 817.00 Cr | 945.00 Cr | 926.00 Cr | 963.38 Cr | 1,104.58 Cr | 1,281.98 Cr | 1,234.00 Cr | 1,264.29 Cr | 745.72 Cr |
| Diluted EPS | 0.68 | 0.57 | 0.72 | 0.85 | 0.94 | 1.09 | 1.06 | 1.11 | 1.27 | 1.42 | 1.36 | 1.40 | 0.82 |
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 | 26,476.00 Cr | 25,988.00 Cr | 24,775.00 Cr | 24,163.00 Cr | 22,749.00 Cr | 23,676.00 Cr | 22,830.00 Cr | - | 15,837.83 Cr | 17,694.28 Cr | 19,626.05 Cr | 20,572.23 Cr |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | 8,620.00 Cr | 11,529.00 Cr | 12,744.00 Cr | 14,015.00 Cr | 14,580.00 Cr | 12,135.00 Cr | 12,419.00 Cr | - | 8,910.00 Cr | 10,274.89 Cr | 11,837.42 Cr | 12,559.12 Cr |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | 19,200.00 Cr | 18,889.00 Cr | 18,166.00 Cr | 17,603.00 Cr | 15,935.00 Cr | 16,005.00 Cr | 14,543.00 Cr | - | 13,905.10 Cr | 17,882.37 Cr | 19,829.67 Cr | 21,926.05 Cr |
| Pretax Income | 327.00 Cr | -2,651.00 Cr | -3,523.00 Cr | -5,096.00 Cr | -5,628.00 Cr | -1,127.00 Cr | -1,431.00 Cr | - | 1,688.39 Cr | 2,676.62 Cr | 4,978.07 Cr | 6,558.69 Cr |
| Tax Provision | -291.03 Cr | 1,245.97 Cr | 1,092.13 Cr | -0 | -0 | -0 | 429.30 Cr | - | 1,072.70 Cr | 1,513.84 Cr | 1,160.27 Cr | 2,075.18 Cr |
| Net Income | 670.00 Cr | -1,392.00 Cr | -2,457.00 Cr | -5,134.00 Cr | -5,611.00 Cr | -1,252.00 Cr | -995.00 Cr | - | 1,678.78 Cr | 2,667.68 Cr | 3,934.21 Cr | 4,523.78 Cr |
| Diluted EPS | 4.02 | -8.26 | -12.93 | -19.63 | -13.88 | -2.20 | -1.70 | 1.24 | 1.93 | 3.07 | 4.53 | - |
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 | 3.13 L Cr | 3.07 L Cr | 3.35 L Cr | 3.27 L Cr | 3.32 L Cr | 3.57 L Cr | 3.70 L Cr | - | 4.07 L Cr | 4.48 L Cr | 4.80 L Cr | 5.51 L Cr |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | - | - | - | - | - | - | - | - | 44,101.94 Cr | 37,607.80 Cr | 36,197.39 Cr | 37,834.71 Cr |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | 4,581.77 Cr | 5,095.55 Cr | 4,788.14 Cr | 5,820.14 Cr | - |
| Total Liabilities | - | - | - | - | - | - | - | - | 3.78 L Cr | 4.15 L Cr | 4.43 L Cr | 5.12 L Cr |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Debt | - | - | - | - | - | - | - | - | 6,569.92 Cr | 9,002.88 Cr | 12,928.64 Cr | 31,854.21 Cr |
| Total Equity | 17,735.00 Cr | 18,508.00 Cr | 18,211.00 Cr | 18,210.00 Cr | 19,396.00 Cr | 21,537.00 Cr | 26,497.00 Cr | - | 29,216.73 Cr | 32,374.41 Cr | 36,881.48 Cr | 39,001.14 Cr |
| Shares Outstanding | - | - | - | - | - | - | - | - | 868.09 Cr | 868.09 Cr | 905.14 Cr | 905.14 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 | 2,274.00 Cr | 281.00 Cr | 61,871.00 Cr | -44,376.00 Cr | -14,510.00 Cr | 1,726.00 Cr | -2,003.00 Cr | 14,277.00 Cr | -8,786.34 Cr | -5,909.91 Cr | -2,459.64 Cr | 2,803.98 Cr |
| Investing Cash Flow | -332.00 Cr | -149.00 Cr | -189.00 Cr | -310.00 Cr | -251.00 Cr | -315.00 Cr | -202.00 Cr | -133.00 Cr | -208.66 Cr | -584.23 Cr | -450.77 Cr | -453.86 Cr |
| Financing Cash Flow | 510.00 Cr | 599.00 Cr | 1,543.00 Cr | 5,154.00 Cr | 6,796.00 Cr | 3,396.00 Cr | 5,055.00 Cr | 0 | 0 | 0 | 1,500.00 Cr | -712.82 Cr |
| Capital Expenditure | -285.00 Cr | -149.00 Cr | -189.00 Cr | -311.00 Cr | -251.00 Cr | -315.00 Cr | -203.00 Cr | -134.00 Cr | -212.28 Cr | -587.25 Cr | -455.21 Cr | -457.86 Cr |
| Free Cash Flow | 1,989.00 Cr | 132.00 Cr | 61,682.00 Cr | -44,687.00 Cr | -14,761.00 Cr | 1,411.00 Cr | -2,206.00 Cr | 14,143.00 Cr | -8,998.62 Cr | -6,497.16 Cr | -2,914.85 Cr | 2,346.12 Cr |
| Net Change in Cash | 2,452.00 Cr | 732.00 Cr | 63,225.00 Cr | -39,533.00 Cr | -7,965.00 Cr | 4,807.00 Cr | 2,849.00 Cr | 14,143.00 Cr | -8,995.00 Cr | -6,494.14 Cr | -1,410.41 Cr | 1,637.30 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 % | 2.5% | -5.4% | -9.9% | -21.2% | -24.7% | -5.3% | -4.4% | - | 10.6% | 15.1% | 20.0% | 22.0% |
| ROE % | 3.8% | -7.5% | -13.5% | -28.2% | -28.9% | -5.8% | -3.8% | - | 5.7% | 8.2% | 10.7% | 11.6% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for CENTRALBK
Central Bank of India Actuals & Estimates (BSE:CENTRALBK) - TradingView
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Central Bank of India Appoint Executives, Effective July 1, 2026 - marketscreener.com
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CENTRALBK — Frequently Asked Questions
What is the current share price of CENTRALBK?
As of 2026-07-15 09:52 IST, CENTRALBK trades at ₹32.71 on NSE. Its 52-week range is ₹29.62 to ₹39.79.
What is the market capitalisation of CENTRALBK?
CENTRALBK has a market capitalisation of ₹29,607.13 Cr on NSE.
What is the P/E ratio of CENTRALBK?
CENTRALBK trades at a trailing price-to-earnings (P/E) ratio of 7.22. Its price-to-book (P/B) ratio is 0.76.
What is the return on equity (ROE) of CENTRALBK?
CENTRALBK has a return on equity (ROE) of 11.60%.
Is CENTRALBK a good stock to buy?
This page provides a data-driven analysis of CENTRALBK, 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.