Bank of Baroda Logo

Bank of Baroda

BANKBARODA.NS

(2.0)
Stock Price

244,45 INR

1.15% ROA

15.86% ROE

6.71x PER

Market Cap.

1.278.567.046.400,00 INR

79.7% DER

3.07% Yield

17.51% NPM

Bank of Baroda Stock Analysis

Bank of Baroda Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bank of Baroda Fundamental Stock Analysis
# Analysis Rating
1 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

2 ROE

ROE in an average range (14.93%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (1.11%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (1.08x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

5 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

6 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

7 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (1.692) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 DER

The company has a high debt to equity ratio (134%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

11 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

Bank of Baroda Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bank of Baroda Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Buy

Bank of Baroda Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bank of Baroda Revenue
Year Revenue Growth
2004 44.792.980.000
2005 46.680.954.000 4.04%
2006 52.453.242.000 11%
2007 62.437.998.000 15.99%
2008 82.255.724.000 24.09%
2009 91.767.775.000 10.37%
2010 124.508.090.000 26.3%
2011 148.637.680.000 16.23%
2012 162.469.348.000 8.51%
2013 182.129.896.000 10.79%
2014 199.696.531.000 8.8%
2015 193.411.343.000 -3.25%
2016 227.020.797.000 14.8%
2017 240.300.565.000 5.53%
2018 281.070.092.000 14.51%
2019 400.251.526.000 29.78%
2020 449.923.751.000 11.04%
2021 483.927.396.000 7.03%
2022 608.358.100.000 20.45%
2023 729.532.400.000 16.61%
2023 1.417.787.000.000 48.54%
2024 1.432.037.600.000 1%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bank of Baroda Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bank of Baroda General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 285.164.000
2005 314.028.000 9.19%
2006 327.523.000 4.12%
2007 376.788.000 13.07%
2008 461.283.000 18.32%
2009 572.637.000 19.45%
2010 613.698.000 6.69%
2011 651.487.000 5.8%
2012 704.595.000 7.54%
2013 929.794.000 24.22%
2014 1.044.940.000 11.02%
2015 1.189.976.000 12.19%
2016 1.281.168.000 7.12%
2017 1.586.513.000 19.25%
2018 2.347.988.000 32.43%
2019 2.768.325.000 15.18%
2020 2.564.078.000 -7.97%
2021 2.941.005.000 12.82%
2022 3.336.574.000 11.86%
2023 0 0%
2023 4.984.828.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bank of Baroda EBITDA
Year EBITDA Growth
2004 44.040.764.000
2005 50.164.944.000 12.21%
2006 68.997.674.000 27.29%
2007 98.519.518.000 29.97%
2008 127.908.658.000 22.98%
2009 144.453.823.000 11.45%
2010 180.430.075.000 19.94%
2011 252.683.989.000 28.59%
2012 300.564.826.000 15.93%
2013 340.384.172.000 11.7%
2014 369.771.310.000 7.95%
2015 263.852.867.000 -40.14%
2016 331.976.080.000 20.52%
2017 279.804.470.000 -18.65%
2018 349.915.784.000 20.04%
2019 9.277.510.000 -3671.66%
2020 125.758.657.000 92.62%
2021 101.577.624.000 -23.81%
2022 207.818.730.000 51.12%
2023 242.959.200.000 14.46%
2023 3.577.400.000 -6691.5%
2024 5.892.800.000 39.29%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bank of Baroda Gross Profit
Year Gross Profit Growth
2004 44.792.980.000
2005 46.680.954.000 4.04%
2006 52.453.242.000 11%
2007 62.437.998.000 15.99%
2008 82.255.724.000 24.09%
2009 91.767.775.000 10.37%
2010 124.508.090.000 26.3%
2011 148.637.680.000 16.23%
2012 162.469.348.000 8.51%
2013 182.129.896.000 10.79%
2014 199.696.531.000 8.8%
2015 193.411.343.000 -3.25%
2016 227.020.797.000 14.8%
2017 240.300.565.000 5.53%
2018 281.070.092.000 14.51%
2019 400.251.526.000 29.78%
2020 449.923.751.000 11.04%
2021 483.927.396.000 7.03%
2022 608.358.100.000 20.45%
2023 729.532.400.000 16.61%
2023 1.417.787.000.000 48.54%
2024 1.432.037.600.000 1%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bank of Baroda Net Profit
Year Net Profit Growth
2004 7.500.193.000
2005 9.046.915.000 17.1%
2006 11.288.623.000 19.86%
2007 15.483.757.000 27.09%
2008 23.840.789.000 35.05%
2009 31.792.992.000 25.01%
2010 44.337.071.000 28.29%
2011 52.485.738.000 15.53%
2012 48.042.301.000 -9.25%
2013 50.007.298.000 3.93%
2014 39.117.274.000 -27.84%
2015 -50.676.822.000 177.19%
2016 18.149.773.000 379.21%
2017 -18.871.074.000 196.18%
2018 11.001.011.000 271.54%
2019 9.277.510.000 -18.58%
2020 15.476.657.000 40.05%
2021 78.496.924.000 80.28%
2022 149.052.030.000 47.34%
2023 175.772.400.000 15.2%
2023 187.673.789.000 6.34%
2024 189.112.400.000 0.76%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bank of Baroda Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 5
2005 6 0%
2006 6 16.67%
2007 9 25%
2008 13 38.46%
2009 17 23.53%
2010 24 29.17%
2011 27 7.69%
2012 23 -13.04%
2013 5 -475%
2014 18 77.78%
2015 -15 228.57%
2016 8 300%
2017 -5 240%
2018 3 266.67%
2019 2 -50%
2020 3 33.33%
2021 15 80%
2022 29 46.43%
2023 34 17.65%
2023 36 5.56%
2024 37 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bank of Baroda Free Cashflow
Year Free Cashflow Growth
2004 24.020.260.000
2005 23.217.718.000 -3.46%
2006 49.845.501.000 53.42%
2007 20.443.533.000 -143.82%
2008 10.569.424.000 -93.42%
2009 107.749.137.000 90.19%
2010 116.295.762.000 7.35%
2011 141.812.462.000 17.99%
2012 226.360.428.000 37.35%
2013 414.629.928.000 45.41%
2014 172.094.382.000 -140.93%
2015 -140.606.708.000 222.39%
2016 170.363.740.000 182.53%
2017 -603.047.586.000 128.25%
2018 -41.151.000.000 -1365.45%
2019 -17.840.272.000 -130.66%
2020 -36.731.000.000 51.43%
2021 31.268.000.000 217.47%
2022 -222.535.100.000 114.05%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bank of Baroda Operating Cashflow
Year Operating Cashflow Growth
2004 25.698.214.000
2005 25.396.384.000 -1.19%
2006 54.004.812.000 52.97%
2007 24.260.368.000 -122.61%
2008 12.787.302.000 -89.72%
2009 111.415.407.000 88.52%
2010 120.056.423.000 7.2%
2011 146.373.879.000 17.98%
2012 231.961.420.000 36.9%
2013 422.326.220.000 45.08%
2014 178.383.093.000 -136.75%
2015 -100.113.100.000 278.18%
2016 178.648.281.000 156.04%
2017 -596.917.022.000 129.93%
2018 -14.490.657.000 -4019.32%
2019 15.193.264.000 195.38%
2020 -8.870.500.000 271.28%
2021 65.319.300.000 113.58%
2022 -212.705.500.000 130.71%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bank of Baroda Capital Expenditure
Year Capital Expenditure Growth
2004 1.677.954.000
2005 2.178.666.000 22.98%
2006 4.159.311.000 47.62%
2007 3.816.835.000 -8.97%
2008 2.217.878.000 -72.09%
2009 3.666.270.000 39.51%
2010 3.760.661.000 2.51%
2011 4.561.417.000 17.55%
2012 5.600.992.000 18.56%
2013 7.696.292.000 27.22%
2014 6.288.711.000 -22.38%
2015 40.493.608.000 84.47%
2016 8.284.541.000 -388.79%
2017 6.130.564.000 -35.14%
2018 26.660.343.000 77%
2019 33.033.536.000 19.29%
2020 27.860.500.000 -18.57%
2021 34.051.300.000 18.18%
2022 9.829.600.000 -246.42%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bank of Baroda Equity
Year Equity Growth
2004 58.928.209.000
2005 81.334.505.000 27.55%
2006 89.093.702.000 8.71%
2007 113.948.310.000 21.81%
2008 133.269.426.000 14.5%
2009 157.740.100.000 15.51%
2010 218.452.658.000 27.79%
2011 286.074.849.000 23.64%
2012 333.918.239.000 14.33%
2013 380.052.282.000 12.14%
2014 422.043.680.000 9.95%
2015 426.968.533.000 1.15%
2016 433.001.005.000 1.39%
2017 468.387.571.000 7.55%
2018 553.374.848.000 15.36%
2019 764.904.725.000 27.65%
2020 828.257.756.000 7.65%
2021 926.258.642.000 10.58%
2022 1.060.493.000.000 12.66%
2023 1.148.692.300.000 7.68%
2023 1.207.301.500.000 4.85%
2024 1.293.924.600.000 6.69%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bank of Baroda Assets
Year Assets Growth
2004 974.006.315.000
2005 1.166.799.741.000 16.52%
2006 1.468.716.253.000 20.56%
2007 1.834.789.834.000 19.95%
2008 2.323.111.991.000 21.02%
2009 2.842.725.758.000 18.28%
2010 3.662.137.657.000 22.38%
2011 4.574.120.058.000 19.94%
2012 5.593.883.319.000 18.23%
2013 6.761.141.057.000 17.26%
2014 7.339.773.764.000 7.88%
2015 6.911.790.751.000 -6.19%
2016 7.192.205.132.000 3.9%
2017 7.478.049.186.000 3.82%
2018 8.196.719.446.000 8.77%
2019 11.999.421.360.000 31.69%
2020 12.026.757.872.000 0.23%
2021 13.401.370.875.000 10.26%
2022 15.258.789.700.000 12.17%
2023 15.917.522.000.000 4.14%
2023 16.547.793.800.000 3.81%
2024 16.497.388.400.000 -0.31%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bank of Baroda Liabilities
Year Liabilities Growth
2004 915.078.106.000
2005 1.085.465.236.000 15.7%
2006 1.379.622.551.000 21.32%
2007 1.720.841.524.000 19.83%
2008 2.189.842.565.000 21.42%
2009 2.684.985.658.000 18.44%
2010 3.443.684.999.000 22.03%
2011 4.288.045.209.000 19.69%
2012 5.259.965.080.000 18.48%
2013 6.381.088.775.000 17.57%
2014 6.917.730.084.000 7.76%
2015 6.484.822.218.000 -6.68%
2016 6.759.204.127.000 4.06%
2017 7.009.661.615.000 3.57%
2018 7.643.344.598.000 8.29%
2019 11.234.516.635.000 31.97%
2020 11.198.500.116.000 -0.32%
2021 12.475.112.233.000 10.23%
2022 14.198.296.700.000 12.14%
2023 1.262.755.300.000 -1024.39%
2023 15.340.492.300.000 91.77%
2024 15.203.463.800.000 -0.9%

Bank of Baroda Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
210.26
Net Income per Share
36.82
Price to Earning Ratio
6.71x
Price To Sales Ratio
1.18x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1
EV to Sales
1.16
EV Over EBITDA
9.76
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.15
FreeCashFlow Yield
0
Market Cap
1.278,57 Bil.
Enterprise Value
1.259,02 Bil.
Graham Number
453.41
Graham NetNet
-3141.47

Income Statement Metrics

Net Income per Share
36.82
Income Quality
0
ROE
0.16
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.73
EBT Per Ebit
1.31
Ebit per Revenue
0.18
Effective Tax Rate
0.28

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.18
Pretax Profit Margin
0.24
Net Profit Margin
0.18

Dividends

Dividend Yield
0.03
Dividend Yield %
3.07
Payout Ratio
0
Dividend Per Share
7.6

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-201,53
Book Value per Share
250,21
Tangible Book Value per Share
248.45
Shareholders Equity per Share
248.12
Interest Debt per Share
337.8
Debt to Equity
0.8
Debt to Assets
0.06
Net Debt to EBITDA
-0.15
Current Ratio
0
Tangible Asset Value
1.284,82 Bil.
Net Current Asset Value
-14.161,26 Bil.
Invested Capital
1130998400000
Working Capital
1.042,21 Bil.
Intangibles to Total Assets
0
Average Receivables
307,35 Bil.
Average Payables
35,10 Bil.
Average Inventory
-808797465500
Debt to Market Cap
0.8

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bank of Baroda Dividends
Year Dividends Growth
2002 4
2003 9 55.56%
2004 4 -200%
2005 5 40%
2006 5 0%
2007 6 16.67%
2008 8 25%
2009 9 11.11%
2010 15 40%
2011 17 6.25%
2012 17 5.88%
2013 22 19.05%
2014 22 0%
2015 3 -600%
2017 1 -200%
2022 3 50%
2023 6 60%
2024 8 28.57%

Bank of Baroda Profile

About Bank of Baroda

Bank of Baroda provides various banking products and services to individuals, government departments, and corporate customers. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It offers savings and current accounts; term, fixed and recurring deposits; and NRI deposit products. The company also provides loans, such as home, education, vehicle, gold, mudra, personal, and mortgage loans, as well as loans against securities and public issues/IPO; professional, composite, bridge, FCNR, and short and medium-term corporate loans, as well as loans for micro, small, and medium enterprises; working capital finance, term finance, commercial vehicle finance, export finance, advances against shares, bill finance, lines of credit, loans against rent receivables, project finance, infrastructure finance, supply chain finance, loans for the takeover of accounts, foreign currency credit, and non-fund based services; and debit, prepaid, and credit cards. In addition, it offers loans and advances, and pensions and government schemes to customers; life insurance, general insurance, and health insurance products, as well as mutual funds; appraisal merchant banking, cash management, remittance, collection, e-stamping, ECS, hedging, FX retail, correspondent banking, treasury, investment, lockers, and capital market services; and ATM, mobile banking, internet banking, cash recycler, and e-lobby services. Further, the company offers banking solutions for start-ups. As of March 31, 2022, it operated a network of 8,168 branches; 94 overseas branches; 9,845 ATMs; and 1,642 cash re-cyclers. Bank of Baroda was founded in 1908 and is headquartered in Vadodara, India.

CEO
Mr. Debadatta Chand
Employee
75.515
Address
Baroda Bhavan
Vadodara, 390007

Bank of Baroda Executives & BODs

Bank of Baroda Executives & BODs
# Name Age
1 Mr. Debadatta Chand
MD, Chief Executive Officer & Director
70
2 Mr. Lalit Tyagi
Executive Director
70
3 Mr. Lal Singh
Executive Director
70
4 Ms. Nikita Raut
Chief Manager of HR & Head of Mumbai Academy
70
5 Phiroza Choksi
Head of Public Relations & Corporate Communications
70
6 Mr. Chayani Manoj Sundar
Chief Financial Officer
70
7 Mr. Elango Balasubramaniam
Chief Group Compliance Officer
70
8 Mr. Sanjay Vinayak Mudaliar
Executive Director
70
9 Mr. Joydeep Dutta Roy
Chief GM of MD's Office, Subsidiaries and Joint Ventures
70
10 Mr. Kuku Ram Kanojia
Chief Returning Officer
70

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