Bank of Baroda

Bank of Baroda

231.00
INR
-4.45
(-1.89%)
32.36EPS
8.55P/E
1.41TMarket Cap
Oct 30Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
86.14
93
85.64
98.53
104.08
106.24
99.88
96.49
93.58
107.88
131.3
144.15
144.78
148.44
Basic EPS, GAAP
23.65
18.22
-22.44
7.88
-8.17
4.16
2.32
3.32
15.18
28.82
36.29
40.06
38.38
31.91
Free Cash Flow per Basic Share
196.09
80.15
-62.26
73.94
-261.19
-15.55
-4.45
-7.88
5.42
-43.19
-14.75
55.23
61.13
- -
Dividend per Share
5.01
5.05
3.77
- -
1.44
- -
- -
- -
- -
2.83
5.5
7.6
8.35
- -
Book Value per Share
176.27
190
184.46
186.91
176.02
207.88
164.71
159.32
177.65
203.15
231.49
283.3
320.74
325.83
Tangible Book Value per Share
176.27
190
184.46
186.91
176.02
207.04
164.22
158.89
175.89
201.39
229.73
281.53
318.98
324.07
Basic Weighted Avg Shares
2,114
2,147
2,258
2,304
2,309
2,646
4,007
4,663
5,171
5,171
5,171
5,171
5,171
5,170
Sales/Revenue/Turnover
182,130
199,697
193,411
227,021
240,301
281,070
400,252
449,924
483,927
557,911
679,013
745,466
748,702
767,383
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3,681
3,683
5,251
5,400
9,007
9,483
16,972
13,573
14,382
20,319
16,935
14,670
19,633
- -
Net Income, GAAP
50,007
39,117
-50,677
18,150
-18,871
11,001
9,278
15,477
78,497
149,052
187,674
207,163
198,464
164,962
Effective Tax Rate (%)
17.46
35.25
- -
40.2
- -
27.28
- -
75.22
22.54
28.14
28.14
25.55
21.41
21.88
Profit Margin (%)
27.46
19.59
-26.2
7.99
-7.85
3.91
2.32
3.44
16.22
26.72
27.64
27.79
26.51
21.5
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
349,763
355,015
338,452
312,420
383,308
413,675
499,607
712,633
1,095,261
1,054,812
930,891
1,058,128
1,552,966
1,732,858
Total Equity
380,052
422,044
426,969
433,001
468,388
553,375
764,905
828,258
926,259
1,060,493
1,207,302
1,477,503
1,673,662
1,700,544
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
7.47
5.14
- -
2.35
- -
1.14
- -
1.05
4.36
7.16
8.78
8.8
6.81
5.45
Return on Common Equity (%)
14.06
9.8
-11.99
4.24
-4.21
2.17
1.42
1.95
9.01
15.14
16.7
15.56
12.71
10.47

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5,171
5,171
5,171
Market Capitalization
1,529,948
1,279,654
1,410,748

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,448,744
1,608,231
1,541,249
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15%
15.16%
13.28%
Free Cash Flow
-232.12%
-320.42%
10.68%
Net Income, GAAP
8.22%
105.83%
-4.2%
Sales/Revenue/Turnover
14.98%
10.96%
0.43%
Total Cash Common Dividend
- -
- -
9.87%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
172,185
201,890
175,893
196,225
745,466
2026
180,976
- -
194,132
192,120
748,702
2027
200,156
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
9.14
10.36
10.08
10.48
40.06
2026
6.71
- -
10.53
11.22
38.38
2027
3.45
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
7.6
2026
- -
- -
- -
- -
8.35
2027
- -
- -
- -
- -
- -

Company Description

CEO
Debadatta Chand
Full Time Employees
75,376
Sector
Finance
Industry
Major banks
Address
Baroda Bhavan Vadodara GU India 390007
IPO Date
Jan 16, 2006
Business
Bank of Baroda Limited (BANKBARODA.NS) is an Indian public sector bank that provides a comprehensive range of banking and financial services to retail, corporate, government, and international customers through its Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments; core offerings include savings, salary, and current accounts; term deposits; home, education, vehicle, gold, mortgage, personal, mudra, micro, small, and medium enterprise, corporate, agriculture, export finance, external commercial borrowings, foreign currency non-resident, supply chain, and overdraft loans; life, general, and health insurance products; debit, prepaid, and credit cards; merchant payment and digital payment solutions; treasury, trade finance, foreign exchange, remittances, cash management, correspondent banking, investment products, and risk management services. Founded in 1908 by Maharaja Sayajirao Gaekwad III and headquartered in Vadodara, Gujarat, with a corporate office in Mumbai, the bank operates over 9,500 branches in India, 107 branches and offices across 24 countries including subsidiaries in the UK, Kenya, Uganda, Guyana, Botswana, Tanzania, and New Zealand, and joint ventures such as India International Bank Malaysia Berhad and Indo-Zambia Bank Ltd. Recent developments include a September 2025 memorandum of understanding with Tata Power Renewable Energy Limited to offer collateral-free solar financing up to ₹10 crore for MSMEs and commercial & industrial customers at interest rates starting from 7.75% with repayment up to 120 months; board approval in February 2025 to raise up to ₹8,500 crore via qualified institutional placement and other equity methods by March 2028 alongside extending ₹4,000 crore in Additional Tier I and Tier II debt capital; strategic plans announced in January 2025 to double its balance sheet in five years through 13%-15% loan growth in fiscal 2025-26, 500 new branches focused on micro markets, and an 11.5% year-on-year balance sheet expansion to ₹17 trillion by end-2024; and a September 2025 branch relocation in Tanzania's Dar es Salaam to Upanga to enhance financial inclusion and support SMEs. The bank maintains majority government ownership of approximately 64% and focuses on retail loan growth, deposit mobilization, and international expansion while managing subsidiaries like BOBCARD Limited, BOB Capital Markets Ltd., Nainital Bank Ltd., and IndiaFirst Life Insurance Company Ltd.