Bank Of Baroda is a major state-owned bank operating in India's financial sector, with market cap of ₹1,28,365 Cr. Recent quarters show consistent revenue of ₹31–35 Cr and average operating margins of 64.28%.
Founded
1908
Face value
₹2
Market cap
₹1,19,366 Cr
P/E
6.5×
P/B
0.7×
Dividend yield
7.3%
ROE
12.5%
ROCE
5.6%
Debt / equity
1.03
OPM
64.3%
EPS (TTM)
₹35.7
Book value
₹320.4
52-week high
—
52-week low
Key insights
Company research notes and source-linked reviews
Key risks
1-year return of 2.55% represents severe market underperformance; verify what specific headwinds (credit quality, capital constraints, growth momentum) are driving the discount
Operating margin volatility from 61.88% to 74.37% suggests earnings unpredictability; verify cost drivers and sustainability
Q1 FY27 net profit of ₹1.3–1.8 Cr dropped sharply from ₹4.8–5.6 Cr in Sep–Mar quarters; verify if seasonal/provisioning-driven or signals structural profitability stress
Public-sector model typically implies capital-adequacy and capital-raising constraints; verify current CAR and headroom vs regulatory minimums
Generated analysis · source review pending
Growth drivers
Operating margins peak at 74.37% (Dec 2025); sustained margin recovery could expand profits without volume growth—verify cost-management drivers and deposit repricing
Q1 FY27 net profit of ₹1.3–1.8 Cr versus ₹4.8–5.6 Cr in other quarters indicates cyclical weakness; growth requires Q1 stabilization—verify if seasonal or structural credit stress
Revenue base of ₹31–35 Cr per quarter shows no clear trend; expansion depends on loan-book and deposit growth—verify credit-growth guidance and market-share trajectory
PE of 6.95 is deeply discounted, pricing in low recovery; improved profitability could justify re-rating—verify whether discount reflects persistent asset-quality issues or near-term cycle pessimism
Generated analysis · source review pending
2,528 historical price candles were omitted because the exchange source has not been verified.
₹230.8+1.4%1Y
Quick read
rule-based
Pros
+Healthy operating margin of 64.3%
+Profit CAGR of 62.6% over the last 5 years
+Dividend yield of 7.3%
+Dividend payout of 47.2% of profit
+High promoter holding of 64% with no pledge
Cons
−Weak interest coverage of 1.3×
Research score
Structured signal from quality, growth, valuation and momentum.
55/100
Business quality
37
Growth
30
Valuation
Revenue & net profit
₹ crore, by fiscal year
RevenuePAT
Margins
% of revenue, by fiscal year
OPMPAT margin
Peers
Comparable companies from the narrowest available industry classification.
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Financials
Reported profit and loss, balance sheet, cash flow and growth history.
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Ratios
Annual operating, return, leverage and working-capital ratios.
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Shareholding
Quarterly ownership, named holders, insider transactions and disclosed deals.
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F&O
Current futures and options contracts with compact option-chain pages.
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Fund holders
Mutual-fund schemes that disclosed a holding in the company.
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Documents
Annual reports, exchange filings, offer documents, ratings and earnings-call material.
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Events
Upcoming dates and the company’s corporate-action history.
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Announcements
Latest exchange announcements, filings and downloadable documents.
Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Margin, working-capital and leverage ratios are omitted: a bank funds itself with deposits and books interest as its cost of revenue, so they would measure something other than what they name.
Bulk deals are a client trading over 0.5% of the equity in a session, aggregated across their trades; block deals are single negotiated trades in the exchange’s block window. Each is reported by the exchange it was crossed on, so NSE and BSE rows are separate trades rather than the same trade twice.
Mr. Vijay Dube
Non-Executive - Independent Director
Mr. L Sridhar Inumella VChief Financial Officer
Mr. Elango BalasubramaniamChief Group Compliance Officer
Mr. S BalakumarCompany Secretary & Compliance Officer
Current officeholders as filed with BSE. A person holding two offices is listed once per office.
The Exchange has sought clarification from Bank of Baroda with reference to the media report appearing on https://economictimes.indiatimes.com/industry/banking/finance/banking/bank-of-baroda-data-reportedly-leaked-on-dark-web/articleshow/132656112.cms ....27 Jul 2026 · Clarification
Shaded cells are in the money against the underlying close. Green and red mark the move against the previous close — on the premium for LTP, on the position for change in OI. Settlement prices are the exchange's, not the last trade.
₹ Cr
Mar 2015
Mar 2016
Mar 2017
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Mar 2025
Mar 2026
Equity capital
444
462
462
530
530
925
1,036
1,036
1,036
1,036
1,036
1,036
Reserves
41,574
42,041
42,605
46,036
49,424
75,179
81,354
90,833
1,04,019
1,19,695
1,45,467
1,64,833
Deposits
6,29,981
5,86,690
6,17,257
6,07,451
6,65,589
9,73,228
9,95,910
10,75,804
12,34,682
13,51,802
14,96,688
16,75,895
Borrowings
35,502
33,845
31,242
64,860
68,868
95,753
71,263
1,09,526
1,07,910
1,01,959
1,35,813
1,70,297
Other liabilities
26,477
28,140
27,654
28,928
35,262
54,857
53,113
62,938
78,232
80,288
82,771
89,442
Total equity & liabilities
7,33,977
6,91,179
7,19,221
7,47,805
8,19,672
11,99,942
12,02,676
13,40,137
15,25,879
16,54,779
18,61,774
21,01,502
Fixed assets
2,978
6,359
5,930
5,532
7,144
9,044
8,217
10,188
8,957
8,148
12,634
12,197
Investments
1,24,739
1,28,894
1,40,716
1,75,137
1,95,716
2,89,727
2,81,859
3,47,587
3,97,487
4,07,136
4,27,380
4,35,778
6,06,260
5,55,926
5,72,574
5,67,135
6,16,812
9,01,172
9,12,600
9,82,362
11,19,435
12,39,495
14,21,761
16,53,527
Total assets
7,33,977
6,91,179
7,19,221
7,47,805
8,19,672
11,99,942
12,02,676
13,40,137
15,25,879
16,54,779
18,61,774
21,01,502
₹ Cr
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Mar 2025
Mar 2026
-887
6,538
-21,271
-6,274
34,892
33,426
-471
-3,652
-1,096
-1,285
-6,494
-3,275
-986
-1,319
-5,488
5,476
3,790
-1,806
Net cash flow
-2,344
1,567
-27,855
-2,084
32,188
28,345
Free cash flow
-3,673
3,376
-22,254
-7,629
28,559
31,610
CFO / Operating profit %
-2.5%
18%
-36.9%
-8.5%
42.3%
38.7%
Compounded sales growth
7 years
—
5 years
13%
3 years
13%
1 year
5%
Compounded profit growth
7 years
—
5 years
64%
3 years
9%
1 year
-7%
Return on equity
7 years
10%
5 years
13%
3 years
14%
Last year
12%
Segment results
As reported in NSE results XBRL. Segment result is before tax and finance costs. ROCE uses that annual result divided by segment assets less liabilities.