Bank Of Baroda (BANKBARODA) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Part of MojoOne Strategy

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Bank Of Baroda

Canara Bank

Bank Of India

Bank of Maha

Indian Bank

Punjab Natl.Bank

Union Bank (I)

I O B

SBI

Central Bank

UCO Bank

Why is Bank Of Baroda ?

Strong lending practices with low Gross NPA ratio of 2.16%

Strong Long Term Fundamental Strength with a 195.58% CAGR growth in Net Profits

Healthy long term growth as Net profit has grown by an annual rate of 195.58%

OPERATING CF(Y) Highest at Rs 28,020.13 Cr
DPS(Y) Highest at Rs 8.35
GROSS NPA(Q) Lowest at 2.16%

With ROA of 1.1, it has a Attractive valuation with a 1 Price to Book Value

The stock is trading at a fair value compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 12.52%, its profits have risen by 0.4% ; the PEG ratio of the company is 7.8

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to Bank Of Baroda should be less than 10%
Overall Portfolio exposure to Public Sector Bank should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Bank Of Baroda for you?

Medium Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Bank Of Baroda

12.52%

0.47

26.71%

Sensex

4.83%

0.41

11.83%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Net Interest Income Growth (5y)

10.37%

Net Profit Growth (5y)

195.58%

Advance to Deposit

78.90%

Capital Adequacy Ratio (Tier 1)

13.51%

Gross NPA (latest)

2.16%

Gross NPA (avg)

4.28%

Coverage Ratio (avg)

74.85%

Cost to Income (avg)

48.54%

Net Interest Margin (avg)

3.03%

Operating Profit to Assets (avg)

3.86%

ROA (avg)

0.86%

Net Debt to Equity (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Price to Book Value

1.03

PEG Ratio

7.87

Dividend Yield

2.85%

ROE (Latest)

13.09%

ROA (Latest)

1.05%

Net NPA to Book Value

4.86

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Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bearish

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

14What is working for the Company

OPERATING CF(Y)

Highest at Rs 28,020.13 Cr

DPS(Y)

Highest at Rs 8.35

GROSS NPA(Q)

Lowest at 2.16%

NII(Q)

Highest at Rs 11,953.61 cr

CREDIT DEPOSIT RATIO(HY)

Highest at 83.89%

INTEREST EARNED(Q)

Highest at Rs 31,510.81 cr

PBT LESS OI(Q)

At Rs 2,828.53 cr has Grown at 37.5% (vs previous 4Q average

NET NPA(Q)

Lowest at 0.57%

-5What is not working for the Company

CASH AND CASH EQUIVALENTS(HY)

Lowest at Rs 49,950.13 cr

NON-OPERATING INCOME(Q)

is 55.41 % of Profit Before Tax (PBT

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Here's what is working for Bank Of Baroda

Operating Cash Flow - Annually

Highest at Rs 28,020.13 Cr and Grown

each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (Rs Cr)

Gross NPA - Quarterly

Lowest at 2.16%

in the last five quarters

MOJO Watch

Proportion of stressed loans given by the bank are falling

Gross NPA (%)

Net Interest Income (Quarterly)

Highest at Rs 11,953.61 cr

in the last five quarters

MOJO Watch

The bank's income from core business is increasing

Net Interest Income (Rs Cr)

Dividend per Share (DPS) - Annually

Highest at Rs 8.35 and Grown

each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (Rs)

Interest Earned - Quarterly

Highest at Rs 31,510.81 cr

in the last five quarters

MOJO Watch

Near term sales trend is positive

Interest Earned (Rs Cr)

Profit Before Tax less Other Income (PBT) - Quarterly

Highest at Rs 2,828.53 cr.

in the last five quarters

MOJO Watch

Near term PBT trend is positive

PBT less Other Income (Rs Cr)

Profit Before Tax less Other Income (PBT) - Quarterly

At Rs 2,828.53 cr has Grown at 37.5% (vs previous 4Q average)

over average PBT of the previous four quarters of Rs 2,057.14 Cr

MOJO Watch

Near term PBT trend is positive

PBT less Other Income (Rs Cr)

Net NPA - Quarterly

Lowest at 0.57%

in the last five quarters

MOJO Watch

Proportion of stressed loans given by the bank are falling

Net NPA (%)

Credit Deposit Ratio - Half Yearly

Highest at 83.89%

in the last four periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Bank Of Baroda

Non Operating Income - Quarterly

is 55.41 % of Profit Before Tax (PBT)

MOJO Watch

The company's income from non business activities is high; which is not a sustainable business model

Non Operating Income to PBT

Cash and Cash Equivalents - Half Yearly

Lowest at Rs 49,950.13 cr

in the last six half yearly periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents