ScoreWhy is Bank Of Baroda ?
1
Strong lending practices with low Gross NPA ratio of 1.89%
2
Strong Long Term Fundamental Strength with a 89.06% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 89.06%
4
Flat results in Mar 26
- PBT LESS OI(Q) At Rs 1,952.01 cr has Fallen at -15.6% (vs previous 4Q average)
- CASH AND CASH EQUIVALENTS(HY) Lowest at Rs 0.00 cr
- CREDIT DEPOSIT RATIO(HY) Lowest at 0.00%
5
With ROA of 1, it has a Very Attractive valuation with a 0.9 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 6.07%, its profits have risen by 2.3% ; the PEG ratio of the company is 3.1
6
High Institutional Holdings at 28.69%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
7
With its market cap of Rs 1,37,403 cr, it is the second biggest company in the sector (behind SBI)and constitutes 7.43% of the entire sector
- Its annual Sales of Rs 126,993.65 are 9.83% of the industry
Real-Time Research ReportHow much should you hold?
- 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, High Return
Absolute
Risk Adjusted
Volatility
Bank Of Baroda
5.99%
0.23
25.67%
Sensex
-7.92%
-0.61
13.09%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
8.98%
Net Profit Growth (5y)
89.06%
Advance to Deposit
79.99%
Capital Adequacy Ratio (Tier 1)
13.93%
Gross NPA (latest)
1.89%
Gross NPA (avg)
3.49%
Coverage Ratio (avg)
76.27%
Cost to Income (avg)
48.35%
Net Interest Margin (avg)
3.10%
Operating Profit to Assets (avg)
3.90%
ROA (avg)
0.95%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Price to Book Value
0.91
PEG Ratio
3.09
Dividend Yield
3.10%
ROE (Latest)
13.07%
ROA (Latest)
1.00%
Net NPA to Book Value
4.12
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
GROSS NPA(Q)
Lowest at 1.89%
NII(Q)
Highest at Rs 12,493.67 cr
INTEREST EARNED(Q)
Highest at Rs 32,641.84 cr
PBDIT(Q)
Highest at Rs 5,102.48 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 15.63%
PAT(Q)
Highest at Rs 5,615.68 cr.
EPS(Q)
Highest at Rs 10.85
NET NPA(Q)
Lowest at 0.45%
-7What is not working for the Company
PBT LESS OI(Q)
At Rs 1,952.01 cr has Fallen at -15.6% (vs previous 4Q average
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 0.00 cr
CREDIT DEPOSIT RATIO(HY)
Lowest at 0.00%
NON-OPERATING INCOME(Q)
is 67.02 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Bank Of Baroda
Gross NPA - Quarterly
Lowest at 1.89%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 12,493.67 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 32,641.84 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 5,102.48 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 15.63%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit After Tax (PAT) - Quarterly
Highest at Rs 5,615.68 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 10.85
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.45%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for Bank Of Baroda
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 1,952.01 cr has Fallen at -15.6% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 2,311.71 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 67.02 % 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 0.00 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio - Half Yearly
Lowest at 0.00%
in the last four periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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