Bank of India Limited Logo

Bank of India Limited

BANKINDIA.NS

(3.2)
Stock Price

103,92 INR

0.72% ROA

10.11% ROE

7x PER

Market Cap.

482.309.859.800,00 INR

119.19% DER

2.64% Yield

13.59% NPM

Bank of India Limited Stock Analysis

Bank of India Limited 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 India Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.75x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a low debt to equity ratio (41%), which means it has a small amount of debt compared to the ownership it holds

3 Net Profit Growth

The net profit of this company has steadily increased over the last five years, showcasing a favorable financial performance and making it an enticing option for investors seeking growth potential.

4 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

5 ROE

ROE in an average range (6.95%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (0.54%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

8 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

9 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (533) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Dividend

The company's lack of dividends in the past three years may concern investors seeking regular income.

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

Bank of India Limited 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 India Limited Revenue
Year Revenue Growth
2004 33.824.957.000
2005 38.233.678.000 11.53%
2006 50.119.318.000 23.71%
2007 63.813.358.000 21.46%
2008 86.129.652.000 25.91%
2009 84.336.450.000 -2.13%
2010 105.193.264.000 19.83%
2011 111.189.782.000 5.39%
2012 128.431.070.000 13.42%
2013 152.671.030.000 15.88%
2014 157.932.678.000 3.33%
2015 151.680.141.000 -4.12%
2016 186.778.909.000 18.79%
2017 149.583.851.000 -24.87%
2018 175.656.603.000 14.84%
2019 218.195.364.000 19.5%
2020 210.001.951.000 -3.9%
2021 204.362.439.000 -2.76%
2022 277.022.200.000 26.23%
2023 300.948.000.000 7.95%
2023 673.064.700.000 55.29%
2024 735.346.000.000 8.47%

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 India Limited 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 India Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 2.867.433.000
2005 3.225.974.000 11.11%
2006 3.729.845.000 13.51%
2007 4.133.014.000 9.75%
2008 5.018.166.000 17.64%
2009 5.672.643.000 11.54%
2010 6.475.549.000 12.4%
2011 7.868.979.000 17.71%
2012 586.824.000 -1240.94%
2013 821.914.000 28.6%
2014 836.704.000 1.77%
2015 948.673.000 11.8%
2016 1.288.607.000 26.38%
2017 1.198.709.000 -7.5%
2018 1.265.710.000 5.29%
2019 1.343.990.000 5.82%
2020 1.109.192.000 -21.17%
2021 1.405.061.000 21.06%
2022 1.633.998.000 14.01%
2023 0 0%
2023 1.530.385.000 100%
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 India Limited EBITDA
Year EBITDA Growth
2004 47.020.647.000
2005 53.108.004.000 11.46%
2006 72.037.828.000 26.28%
2007 105.029.574.000 31.41%
2008 147.195.334.000 28.65%
2009 145.049.398.000 -1.48%
2010 169.352.013.000 14.35%
2011 237.060.191.000 28.56%
2012 262.451.616.000 9.67%
2013 356.193.761.000 26.32%
2014 346.274.614.000 -2.86%
2015 226.083.916.000 -53.16%
2016 253.100.113.000 10.67%
2017 196.521.955.000 -28.79%
2018 -22.655.663.000 967.43%
2019 -14.106.179.000 -60.61%
2020 31.617.801.000 144.61%
2021 56.601.024.000 44.14%
2022 60.545.812.000 6.52%
2023 119.486.800.000 49.33%
2023 1.799.300.000 -6540.74%
2024 6.160.000.000 70.79%

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 India Limited Gross Profit
Year Gross Profit Growth
2004 33.824.957.000
2005 38.233.678.000 11.53%
2006 50.119.318.000 23.71%
2007 63.813.358.000 21.46%
2008 86.129.652.000 25.91%
2009 84.336.450.000 -2.13%
2010 105.193.264.000 19.83%
2011 111.189.782.000 5.39%
2012 128.431.070.000 13.42%
2013 152.671.030.000 15.88%
2014 157.932.678.000 3.33%
2015 151.680.141.000 -4.12%
2016 186.778.909.000 18.79%
2017 149.583.851.000 -24.87%
2018 175.656.603.000 14.84%
2019 218.195.364.000 19.5%
2020 210.001.951.000 -3.9%
2021 204.362.439.000 -2.76%
2022 277.022.200.000 26.23%
2023 300.948.000.000 7.95%
2023 673.064.700.000 55.29%
2024 735.346.000.000 8.47%

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 India Limited Net Profit
Year Net Profit Growth
2004 3.144.184.000
2005 7.260.660.000 56.7%
2006 11.099.063.000 34.58%
2007 19.642.239.000 43.49%
2008 30.838.645.000 36.31%
2009 17.843.823.000 -72.83%
2010 25.424.171.000 29.82%
2011 27.248.560.000 6.7%
2012 28.198.979.000 3.37%
2013 81.322.522.000 65.32%
2014 20.129.050.000 -304.01%
2015 -62.042.596.000 132.44%
2016 -14.700.930.000 -322.03%
2017 -59.613.115.000 75.34%
2018 -54.265.663.000 -9.85%
2019 -30.510.379.000 -77.86%
2020 20.827.501.000 246.49%
2021 34.925.724.000 40.37%
2022 38.379.612.000 9%
2023 59.942.000.000 35.97%
2023 65.644.622.000 8.69%
2024 75.531.200.000 13.09%

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 India Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 6
2005 15 57.14%
2006 23 36.36%
2007 40 43.59%
2008 59 32.76%
2009 34 -70.59%
2010 48 29.17%
2011 50 2.04%
2012 49 0%
2013 49 -2.08%
2014 31 -54.84%
2015 -19 272.22%
2016 -4 -350%
2017 -18 77.78%
2018 -17 -12.5%
2019 -9 -77.78%
2020 6 250%
2021 9 33.33%
2022 9 0%
2023 15 35.71%
2023 15 6.67%
2024 17 6.25%

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 India Limited Free Cashflow
Year Free Cashflow Growth
2004 -9.121.400.000
2005 33.027.800.000 127.62%
2006 50.055.300.000 34.02%
2007 -7.219.700.000 793.32%
2008 36.904.100.000 119.56%
2009 80.966.000.000 54.42%
2010 57.920.908.000 -39.79%
2011 -22.837.858.000 353.62%
2012 202.434.907.000 111.28%
2013 58.169.396.000 -248.01%
2014 129.132.356.000 54.95%
2015 177.715.193.000 27.34%
2016 -71.390.500.000 348.93%
2017 -77.095.365.000 7.4%
2018 -95.159.183.000 18.98%
2019 -57.889.574.000 -64.38%
2020 375.190.088.000 115.43%
2021 -360.588.858.000 204.05%
2022 -76.683.300.000 -370.23%
2023 309.877.700.001 124.75%
2023 0 0%
2024 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 India Limited Operating Cashflow
Year Operating Cashflow Growth
2004 -7.888.700.000
2005 34.036.300.000 123.18%
2006 50.982.400.000 33.24%
2007 -5.532.800.000 1021.46%
2008 39.593.200.000 113.97%
2009 83.208.200.000 52.42%
2010 61.962.110.000 -34.29%
2011 -16.440.802.000 476.88%
2012 206.319.292.000 107.97%
2013 64.516.240.000 -219.79%
2014 146.382.023.000 55.93%
2015 183.107.931.000 20.06%
2016 -66.240.782.000 376.43%
2017 -73.659.975.000 10.07%
2018 -92.181.021.000 20.09%
2019 -48.270.781.000 -90.97%
2020 378.680.038.000 112.75%
2021 -354.869.088.000 206.71%
2022 -70.450.400.000 -403.71%
2023 318.383.000.000 122.13%
2023 0 0%
2024 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 India Limited Capital Expenditure
Year Capital Expenditure Growth
2004 1.232.700.000
2005 1.008.500.000 -22.23%
2006 927.100.000 -8.78%
2007 1.686.900.000 45.04%
2008 2.689.100.000 37.27%
2009 2.242.200.000 -19.93%
2010 4.041.202.000 44.52%
2011 6.397.056.000 36.83%
2012 3.884.385.000 -64.69%
2013 6.346.844.000 38.8%
2014 17.249.667.000 63.21%
2015 5.392.738.000 -219.87%
2016 5.149.718.000 -4.72%
2017 3.435.390.000 -49.9%
2018 2.978.162.000 -15.35%
2019 9.618.793.000 69.04%
2020 3.489.950.000 -175.61%
2021 5.719.770.000 38.98%
2022 6.232.900.000 8.23%
2023 8.505.299.999 26.72%
2023 0 0%
2024 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 India Limited Equity
Year Equity Growth
2004 45.905.360.000
2005 51.336.240.000 10.58%
2006 60.303.989.000 14.87%
2007 106.955.582.000 43.62%
2008 137.591.133.000 22.27%
2009 147.642.547.000 6.81%
2010 176.873.157.000 16.53%
2011 214.769.109.000 17.64%
2012 245.444.433.000 12.5%
2013 308.577.298.000 20.46%
2014 326.907.793.000 5.61%
2015 334.436.592.000 2.25%
2016 337.102.411.000 0.79%
2017 369.156.286.000 8.68%
2018 478.141.020.000 22.79%
2019 452.245.649.000 -5.73%
2020 501.395.422.000 9.8%
2021 566.513.457.000 11.49%
2022 605.894.600.000 6.5%
2023 626.093.100.000 3.23%
2023 707.420.700.000 11.5%
2024 709.523.300.000 0.3%

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 India Limited Assets
Year Assets Growth
2004 951.021.356.000
2005 1.124.214.153.000 15.41%
2006 1.417.716.377.000 20.7%
2007 1.793.423.868.000 20.95%
2008 2.263.573.526.000 20.77%
2009 2.768.338.792.000 18.23%
2010 3.530.318.491.000 21.58%
2011 3.875.892.451.000 8.92%
2012 4.564.068.028.000 15.08%
2013 5.781.546.036.000 21.06%
2014 6.252.847.415.000 7.54%
2015 6.166.292.347.000 -1.4%
2016 6.320.259.509.000 2.44%
2017 6.151.843.398.000 -2.74%
2018 6.308.839.095.000 2.49%
2019 6.630.188.399.000 4.85%
2020 7.327.900.975.000 9.52%
2021 7.431.313.314.000 1.39%
2022 8.260.357.500.000 10.04%
2023 8.636.694.700.000 4.36%
2023 9.242.803.500.000 6.56%
2024 9.612.056.500.000 3.84%

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 India Limited Liabilities
Year Liabilities Growth
2004 905.115.996.000
2005 1.072.877.913.000 15.64%
2006 1.357.412.388.000 20.96%
2007 1.686.468.286.000 19.51%
2008 2.125.982.393.000 20.67%
2009 2.620.696.245.000 18.88%
2010 3.353.445.334.000 21.85%
2011 3.661.123.342.000 8.4%
2012 4.318.623.595.000 15.22%
2013 5.472.968.738.000 21.09%
2014 5.925.939.622.000 7.64%
2015 5.831.855.755.000 -1.61%
2016 5.983.157.098.000 2.53%
2017 5.782.687.112.000 -3.47%
2018 5.830.698.075.000 0.82%
2019 6.177.942.750.000 5.62%
2020 6.826.505.553.000 9.5%
2021 6.864.799.857.000 0.56%
2022 7.654.462.900.000 10.32%
2023 653.963.200.000 -1070.47%
2023 8.535.382.800.000 92.34%
2024 8.902.533.200.000 4.12%

Bank of India Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
111.4
Net Income per Share
15.14
Price to Earning Ratio
7x
Price To Sales Ratio
0.95x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.68
EV to Sales
0.92
EV Over EBITDA
8.09
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.14
FreeCashFlow Yield
0
Market Cap
482,31 Bil.
Enterprise Value
468,67 Bil.
Graham Number
230.13
Graham NetNet
-1767.12

Income Statement Metrics

Net Income per Share
15.14
Income Quality
0
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.71
EBT Per Ebit
1
Ebit per Revenue
0.19
Effective Tax Rate
0.32

Margins

Sales, General, & Administrative to Revenue
0.01
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.19
Pretax Profit Margin
0.19
Net Profit Margin
0.14

Dividends

Dividend Yield
0.03
Dividend Yield %
2.64
Payout Ratio
0
Dividend Per Share
2.8

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
0.04
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
188,33
Book Value per Share
155,85
Tangible Book Value per Share
155.85
Shareholders Equity per Share
155.5
Interest Debt per Share
273.16
Debt to Equity
1.19
Debt to Assets
0.09
Net Debt to EBITDA
-0.24
Current Ratio
0
Tangible Asset Value
709,52 Bil.
Net Current Asset Value
-8.045,12 Bil.
Invested Capital
961098300000
Working Capital
857,42 Bil.
Intangibles to Total Assets
0
Average Receivables
243,17 Bil.
Average Payables
16,00 Bil.
Average Inventory
-658782098000
Debt to Market Cap
1.75

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 India Limited Dividends
Year Dividends Growth
2002 3
2003 3 33.33%
2004 3 0%
2005 2 -50%
2006 5 60%
2007 2 -400%
2008 4 75%
2009 8 50%
2010 7 -14.29%
2011 7 0%
2012 7 0%
2013 10 30%
2014 5 -100%
2015 5 0%
2022 2 -150%
2023 2 0%
2024 3 0%

Bank of India Limited Profile

About Bank of India Limited

Bank of India Limited provides various banking products and services. It operates through Treasury Operations, Wholesale Banking, and Retail Banking segments. The company accepts various deposit products, such as savings, salary, current, term, and tax saving deposits. It also offers home, education, vehicle, personal, pensioner, and top-up loans, as well as loan for Pradhan Mantri Awas Yojana and against property; housing loans to NRIs/PIOs; overdraft against securities; loans against FCNR deposits; and loans for corporate and MSME customers. In addition, the company provides cash management services; trade finance; online share trading services; insurance products and services; mutual fund products; portfolio management services; credit, debit, and prepaid cards; and remittance, online banking and payment, online income tax return, and ATM and other kiosk services, as well as cards, loans, and services to rural customers. As of March 31, 2022, it operated 5,105 branches in India; and 22 branches and 1 representative office internationally. The company was incorporated in 1906 and is headquartered in Mumbai, India.

CEO
Mr. Rajneesh Karnatak
Employee
50.944
Address
Star House - I
Mumbai, 400051

Bank of India Limited Executives & BODs

Bank of India Limited Executives & BODs
# Name Age
1 Mr. Satyendra Singh
Chief Technology Officer
70
2 Mr. M. Karthikeyan
Executive Director
70
3 Mr. B. Kumar
GM & Chief Financial Officer
70
4 Mr. Abhijit Bose
Chief GM & Chief Compliance Office
70
5 Mr. Rajneesh Karnatak
MD, Chief Executive Officer & Director
70
6 Mr. P. R. Rajagopal
Executive Director
70
7 Mr. Ashok Kumar Pathak
Chief General Manager
70
8 Mr. Prashant Thapliyal
Chief GM, Functional Head-Asset Recovery, Cr Monitoring, Stress Asset Resolution & Legal Department
70
9 Mr. Sudhiranjan Padhi
Chief General Manager
70
10 Mr. Pinapala Hari Kishan
Chief General Manager & Chief Risk Officer
70

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