Bank Of Baroda (BANKBARODA)

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Bank Of Baroda (BANKBARODA) · mywealthgrid

About

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.

Part ofNIFTY NEXT 50 NIFTY 100 NIFTY 200 NIFTY 500 NIFTY TOTAL MARKET

Screen this industry Compare top 5 side-by-side

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Union Bank Of IndiaUNIONBANKUNIONBANK	₹1,27,932 Cr	₹2,05,729 Cr	₹1,07,587 Cr	₹73,406 Cr	68.7%	₹21,275 Cr	18.2%	6.3%	16.2%	—
Punjab National BankPNBPNB	₹1,25,928 Cr	₹2,33,486 Cr	₹1,31,789 Cr	₹98,411 Cr	74.7%	₹23,619 Cr	14.1%	6.1%	14%	—
Bank Of BarodaBANKBARODABANKBARODA	₹1,19,366 Cr	₹2,89,663 Cr	₹1,36,546 Cr	₹87,324 Cr	64.3%	₹18,478 Cr	14.5%	5.6%	12.5%	—
Canara BankCANBKCANBK	₹1,07,361 Cr	₹2,62,648 Cr	₹1,27,805 Cr	₹91,291 Cr	69.7%	₹20,708 Cr	15.6%	6.5%	16.7%	—
Indian BankINDIANBINDIANB	₹1,06,837 Cr	₹1,53,644 Cr	₹69,314 Cr	₹46,956 Cr	69.4%	₹13,030 Cr	17.3%	6.3%	15.8%	—
Bank Of MaharashtraMAHABANKMAHABANK	₹61,917 Cr	₹97,151 Cr	₹30,262 Cr	₹20,806 Cr	68.1%	₹7,624 Cr	24%	6%	22.6%	—
Bank Of IndiaBANKINDIABANKINDIA	₹58,948 Cr	₹1,77,574 Cr	₹77,244 Cr	₹55,814 Cr	72.3%	₹12,098 Cr	13.6%	5.9%	12.3%	—
Indian Overseas BankIOBIOB	₹58,502 Cr	₹1,10,104 Cr	₹33,290 Cr	₹20,072 Cr	64.5%	₹6,159 Cr	17%	6.1%	16.3%	—
Uco BankUCOBANKUCOBANK	₹28,753 Cr	₹57,441 Cr	₹25,067 Cr	₹14,864 Cr	59.3%	₹2,491 Cr	9.9%	5.8%	8.6%	—
Central Bank Of IndiaCENTRALBKCENTRALBK	₹27,154 Cr	₹59,008 Cr	₹37,270 Cr	₹23,376 Cr	62.2%	₹4,584 Cr	12.5%	5.6%	12%	—
Punjab & Sind BankPSBPSB	₹14,872 Cr	₹31,225 Cr	₹12,284 Cr	₹8,574 Cr	69.5%	₹1,384 Cr	11%	5.9%	9.6%	—

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Consolidated Standalone

Consolidated figures · ₹ crore

₹ Cr	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	78,895	74,314	73,385	94,139	1,18,379	1,27,945	1,34,298
Interest	50,040	43,201	38,815	49,942	69,899	78,265	81,860
Expenses	42,280	39,427	36,951	36,536	44,415	45,500	47,974
Financing profit	-13,425	-8,314	-2,381	7,660	4,065	4,179	4,464
Financing margin %	-17%	-11.2%	-3.2%	8.1%	3.4%	3.3%	3.3%
Other income	12,191	14,687	14,395	16,639	23,399	24,939	22,527
Depreciation	—	—	2,005	3,735	1,665	1,500	2,047
Profit before tax	-1,195	6,540	10,241	20,882	26,259	28,025	24,945
Tax	-2,176	4,919	2,308	5,877	7,390	7,160	5,468
Tax %	-182%	75.2%	22.5%	28.1%	28.1%	25.6%	21.9%
PAT	981	1,620	7,933	15,005	18,869	20,865	19,477
EPS (₹)	1.7	3.3	15.2	28.8	36.3	40.1	38.4
EPS adjusted (₹)	2.1	3.3	15.6	29.4	37.1	40.8	37.6
	0%	0%	18.8%	19.1%	20.9%	20.8%	22.1%
Annual report	Annual report for Mar 2020	Annual report for Mar 2021	Annual report for Mar 2022	Annual report for Mar 2023	Annual report for Mar 2024	Annual report for Mar 2025	Annual report for Mar 2026

₹ 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%

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.

Source XBRL ↗

Latest reported period · 31 Mar 2026 · ₹ crore

Segment	Revenue	Result	Assets	Liabilities	Capital employed	ROCE %
Other Retail Banking	62,446.78	12,561.76	6,24,924.65	5,75,600.37	49,324.28	25.47
Wholesale Banking	50,701.61	10,929.62

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Ratios

Annual operating, return, leverage and working-capital ratios.

Consolidated Standalone

Consolidated figures

Ratio	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
PAT margin %	1.2%	2.2%	10.8%	15.9%	15.9%	16.3%	14.5%
Return ratios
Return on assets %	0.1%	0.1%	0.6%	1%	1.1%	1.1%	0.9%
Return on capital employed %	4.3%	4.3%	4%	5.2%	6.3%	6.3%	5.6%
Return on equity %	1.3%	2%	8.6%	14.3%	15.6%	14.2%	11.7%

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.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%
	12.39%	12.27%	12.4%	11.45%	9.87%	8.91%	8.98%	8.08%	8.71%	9.84%	9.69%	10.14%
	16%	16%	16.3%	16.04%	16.6%	18.12%	18.23%	19.06%	18.93%	18.73%	18.93%	18.34%
	0%	0%	0%	0%	0%	0%	0%	0%	0.08%	0.08%	0.08%	0.08%
	7.64%	7.76%	7.33%	8.54%	9.56%	9%	8.82%	8.89%	8.31%	7.38%	7.33%	7.47%
No. of shareholders	—	—	—	—	—	—	—	—	15,65,743	14,77,398	14,59,934	14,60,575

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F&O

Current futures and options contracts with compact option-chain pages.

End of day 30 Sept 2026 · underlying ₹230.6 · volume and open interest in contracts

3

Expiry	Close	Chg	% Chg	Settlement	Open interest	Change in OI	Volume	Lot size
27 Oct 2026	₹232.6	+1.5	+0.7%	₹232.6	48,838	-246	5,411	2925
23 Nov 2026	₹233.9	+1.3	+0.6%	₹233.9	1,163	+5	216	2925
29 Dec 2026	₹235.1	+4	+1.7%	₹235.1	22	+22	37	2925

Open the chart icon on a row for that contract's close over 103 stored sessions, with open interest as bars beneath it.

29

27 Oct 2026 23 Nov 2026 29 Dec 2026

Calls				Strike	Puts
OI	Chg OI	Volume	LTP	—	LTP	Volume	Chg OI	OI
0	0	0	₹0.0

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

Portfolio month

Schemes holding

133

across 22 fund houses

Held by these funds

5.25%

of the company's equity

All mutual funds

9.78%

shareholding pattern, Jun 2026

Portfolios as of

August 2026

compared with July 2026

133 schemes · 22 fund houses

		Shares
Portfolio of Kotak Multi Cap FundNEW	Kotak Mahindra Mutual Fund	2.77 Cr	659.73	2.16%	0.535%	—
Balanced Advantage Fund	SBI Mutual Fund	2.16 Cr	516.5	1.24%	0.419%	-0
ETF NIFTY PSU BANK BEES	Nippon India Mutual Fund	2.04 Cr	487.79	12.07%	0.395%	-3.97 L
PSU Fund	SBI Mutual Fund	1.44 Cr	342.39	5.11%	0.277%	-0
Portfolio of Kotak Nifty PSU Bank ETF	Kotak Mahindra Mutual Fund	1.37 Cr	327.75	12.07%	0.266%	+10.69 L
Banking And Financial Services Fund	SBI Mutual Fund	1.34 Cr	319.22	2.94%	0.259%	-0
ETF NIFTY BANK BEES	Nippon India Mutual Fund	1.22 Cr	291.78	3.47%	0.236%	-1 L
Arbitrage FundNEW	SBI Mutual Fund	1.2 Cr	286.63	0.61%	0.232%	—

1–8 of 133

1 / 17

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

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Events

Upcoming dates and the company’s corporate-action history.

15

Dividend dividend5 Jun 2026 · ex-date₹8.5
Final dividend6 Jun 2025 · ex-date₹8.35
Dividend dividend28 Jun 2024 · ex-date₹7.6
Dividend dividend30 Jun 2023 · ex-date₹5.5
Dividend dividend17 Jun 2022 · ex-date₹2.85
Dividend dividend22 Jun 2017 · ex-date₹1.2
Dividend dividend16 Jun 2015 · ex-date₹3.2
Final dividend12 Jun 2014 · ex-date₹10.5
Interim dividend20 Jan 2014 · ex-date₹11
Dividend dividend13 Jun 2013 · ex-date₹21.5
Dividend dividend14 Jun 2012 · ex-date₹17
Dividend dividend23 Jun 2011 · ex-date₹16.5
Dividend dividend24 Jun 2010 · ex-date₹15
Dividend dividend18 Jun 2009 · ex-date₹9
Dividend dividend17 Jul 2008 · ex-date₹8

1

Board meeting to consider results24 Jul 2026

1

Face value ₹10 → ₹222 Jan 2015 · ex-date

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

42 announcementsExport CSV

29 Sept 2026, 2:44 pmCompany Update

Disclosure Under Regulation 30

General PDF

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Ratio	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
PAT margin %	1.2%	2.2%	10.8%	15.9%	15.9%	16.3%	14.5%
Return ratios
Return on assets %	0.1%	0.1%	0.6%	1%	1.1%	1.1%	0.9%
Return on capital employed %	4.3%	4.3%	4%	5.2%	6.3%	6.3%	5.6%
Return on equity %	1.3%	2%	8.6%	14.3%	15.6%	14.2%	11.7%

Calls	Strike	Puts
0	0	0	₹0.0

21 deals · 10 Jan 2024 – 14 Oct 2025

Date	Client	Type	Venue	Side	Quantity	Price	Value
14 Oct 2025	GOLDMAN SACHS (SINGAPORE) PTE - ODI	Block	NSE	Sell	4,97,964	₹264.50	₹13.17 Cr
14 Oct 2025	GOLDMAN SACHS BANK EUROPE SE - ODI	Block	NSE	Buy	4,97,964	₹264.50	₹13.17 Cr
13 Oct 2025	GOLDMAN SACHS (SINGAPORE) PTE - ODI	Block	NSE	Sell	4,97,965	₹267.50	₹13.32 Cr
13 Oct 2025	GOLDMAN SACHS BANK EUROPE SE - ODI	Block	NSE	Buy	4,97,965	₹267.50	₹13.32 Cr
12 Sept 2025	SOCIETE GENERALE	Block	NSE	Buy	64,16,414	₹238.27	₹152.88 Cr
12 Sept 2025	MARSHALL WACE INVESTMENT STRATEGIES - EUREKA FUND	Block	NSE	Sell	64,16,414	₹238.27	₹152.88 Cr
23 Jan 2025	UBS PRINCIPAL CAPITAL ASIA LIMITED	Block	NSE	Sell	4,60,598	₹230.75	₹10.63 Cr
23 Jan 2025	UBS AG	Block	NSE	Buy	4,60,598	₹230.75	₹10.63 Cr
23 Apr 2024	SOCIETE GENERALE	Block	NSE	Buy	3,26,38,297	₹261.30	₹852.84 Cr
23 Apr 2024	SOCIETE GENERALE	Bulk	NSE	Buy	3,26,38,297	₹261.30	₹852.84 Cr

1–10 of 21

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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.

Date	Category	Subject	Filing
29 Sept 2026, 2:44 pm	Company Update General	Disclosure Under Regulation 30	PDF
21 Sept 2026, 7:47 pm	Company Update General	Disclosure Under Regulation 30- Incorporation Of Subsidiary	PDF
10 Sept 2026, 5:00 pm	Corp. Action Interest Rates Updates	Announcement under Regulation 30 (LODR)-Interest Rates Updates	PDF
9 Sept 2026, 10:28 pm	Company Update Change in Management	Announcement under Regulation 30 (LODR)-Change in Management	PDF
8 Sept 2026, 6:05 pm	Company Update General	Disclosure Under Regulation 30	PDF
2 Sept 2026, 7:37 pm	Company Update Strikes /Lockouts / Disturbances	Announcement under Regulation 30 (LODR)-Strikes /Lockouts / Disturbances	PDF
2 Sept 2026, 5:39 pm	Company Update General	Investor Conference - Outcome	PDF
31 Aug 2026, 9:25 pm	Company Update Change in Management	Announcement under Regulation 30 (LODR)-Change in Management	PDF

Bank Of Baroda

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Cash flow

Segment results

Ratios

Ratio timeline

Shareholding

Quarterly record

F&O

Futures3

Option chain29

Fund holders

Documents

Announcements

Events

Dividends15

Board meetings1

Stock splits1

Announcements

Ratio timeline

Futures3

Option chain29

Announcements

Quarterly record

Annual reports

Credit ratings

Investor Presentation and earnings call

Bulk & block deals

Board and management

Profit & loss

Balance sheet

Cash flow

Segment results

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

Digital Banking · revenue

Dividends15

Board meetings1

Stock splits1

3

29

15

1

1

3

29

15

1

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