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

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Union Bank (I)

Punjab Natl.Bank

Indian Bank

Bank of Maha

SBI

I O B

Canara Bank

Bank Of India

UCO Bank

Central Bank

Bank Of Baroda

Why is Bank Of Baroda ?

Negative results in Jun 26

PAT(Q) At Rs 1,278.39 cr has Fallen at -74.5% (vs previous 4Q average)
CASH AND CASH EQUIVALENTS(HY) Lowest at Rs 47,742.29 cr
PBT LESS OI(Q) Lowest at Rs -1,666.38 cr.

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

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

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Bank Of Baroda for you?

Medium Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Bank Of Baroda

3.33%

0.12

27.70%

Sensex

-2.63%

-0.19

13.57%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Net Interest Income Growth (5y)

7.86%

Net Profit Growth (5y)

48.25%

Advance to Deposit

81.20%

Capital Adequacy Ratio (Tier 1)

14.16%

Gross NPA (latest)

1.99%

Gross NPA (avg)

3.38%

Coverage Ratio (avg)

76.03%

Cost to Income (avg)

48.49%

Net Interest Margin (avg)

3.03%

Operating Profit to Assets (avg)

3.82%

ROA (avg)

1.01%

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

0.83

PEG Ratio

1.09

Dividend Yield

3.40%

ROE (Latest)

13.39%

ROA (Latest)

1.03%

Net NPA to Book Value

4.52

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Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bullish

Bollinger Bands

Mildly Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bearish

No Trend

OBV

Mildly Bearish

No Trend

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

9What is working for the Company

OPERATING CF(Y)

Highest at Rs 30,975.11 Cr

DPS(Y)

Highest at Rs 8.50

INTEREST EARNED(Q)

Highest at Rs 33,210.72 cr

NII(Q)

Highest at Rs 12,525.09 cr

-16What is not working for the Company

PAT(Q)

At Rs 1,278.39 cr has Fallen at -74.5% (vs previous 4Q average

CASH AND CASH EQUIVALENTS(HY)

Lowest at Rs 47,742.29 cr

PBT LESS OI(Q)

Lowest at Rs -1,666.38 cr.

NON-OPERATING INCOME(Q)

is 192.37 % of Profit Before Tax (PBT

EPS(Q)

Lowest at Rs 2.47

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Here's what is working for Bank Of Baroda

Operating Cash Flow - Annually

Highest at Rs 30,975.11 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)

Interest Earned - Quarterly

Highest at Rs 33,210.72 cr and Grown

each quarter in the last five quarters

MOJO Watch

Near term sales trend is very positive

Interest Earned (Rs Cr)

Net Interest Income (Quarterly)

Highest at Rs 12,525.09 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 8.50 and Grown

each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (Rs)

Here's what is not working for Bank Of Baroda

Profit Before Tax less Other Income (PBT) - Quarterly

At Rs -1,666.38 cr has Fallen at -171.3% (vs previous 4Q average)

over average PBT of the previous four quarters of Rs 2,338.33 Cr

MOJO Watch

Near term PBT trend is very negative

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly

At Rs 1,278.39 cr has Fallen at -74.5% (vs previous 4Q average)

over average PAT of the previous four quarters of Rs 5,005.27 Cr

MOJO Watch

Near term PAT trend is very negative

PAT (Rs Cr)

Profit Before Tax less Other Income (PBT) - Quarterly

Lowest at Rs -1,666.38 cr.

in the last five quarters

MOJO Watch

Near term PBT trend is negative

PBT less Other Income (Rs Cr)

Non Operating Income - Quarterly

is 192.37 % 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

Earnings per Share (EPS) - Quarterly

Lowest at Rs 2.47

in the last five quarters

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (Rs)

Cash and Cash Equivalents - Half Yearly

Lowest at Rs 47,742.29 cr

in the last six half yearly periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents