Bank Of India (BANKINDIA) 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 Maha

Bank Of Baroda

Union Bank (I)

Bank Of India

Punjab Natl.Bank

Indian Bank

Canara Bank

Central Bank

UCO Bank

I O B

Pun. & Sind Bank

Why is Bank Of India ?

Strong lending practices with low Gross NPA ratio of 2.54%

Strong Long Term Fundamental Strength with a 46.49% CAGR growth in Net Profits

Healthy long term growth as Net profit has grown by an annual rate of 46.49%

The company has declared Positive results for the last 18 consecutive quarters

GROSS NPA(Q) Lowest at 2.26%
INTEREST EARNED(Q) Highest at Rs 18,927.13 cr
PBT LESS OI(Q) At Rs 1,337.98 cr has Grown at 45.5% (vs previous 4Q average)

With ROA of 0.9, it has a 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 57.46%, its profits have risen by 34.7% ; the PEG ratio of the company is 0.2

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to Bank Of India 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 India for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Bank Of India

57.39%

1.92

29.92%

Sensex

8.01%

0.71

11.36%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Net Interest Income Growth (5y)

8.16%

Net Profit Growth (5y)

46.49%

Advance to Deposit

73.11%

Capital Adequacy Ratio (Tier 1)

13.86%

Gross NPA (latest)

2.54%

Gross NPA (avg)

6.66%

Coverage Ratio (avg)

77.41%

Cost to Income (avg)

52.48%

Net Interest Margin (avg)

2.54%

Operating Profit to Assets (avg)

3.35%

ROA (avg)

0.62%

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

0.88

PEG Ratio

0.21

Dividend Yield

2.54%

ROE (Latest)

12.16%

ROA (Latest)

0.92%

Net NPA to Book Value

5.54

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Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

OBV

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

13What is working for the Company

GROSS NPA(Q)

Lowest at 2.26%

INTEREST EARNED(Q)

Highest at Rs 18,927.13 cr

PBT LESS OI(Q)

At Rs 1,337.98 cr has Grown at 45.5% (vs previous 4Q average

NET NPA(Q)

Lowest at 0.60%

NII(Q)

Highest at Rs 6,460.69 cr

PAT(Q)

Highest at Rs 2,704.67 cr.

EPS(Q)

Highest at Rs 5.94

-1What is not working for the Company

NON-OPERATING INCOME(Q)

is 63.01 % of Profit Before Tax (PBT

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Here's what is working for Bank Of India

Gross NPA - Quarterly

Lowest at 2.26% and Fallen

each quarter in the last five quarters

MOJO Watch

Proportion of stressed loans given by the bank are falling

Gross NPA (%)

Interest Earned - Quarterly

Highest at Rs 18,927.13 cr and Grown

each quarter in the last five quarters

MOJO Watch

Near term sales trend is very positive

Interest Earned (Rs Cr)

Profit Before Tax less Other Income (PBT) - Quarterly

At Rs 1,337.98 cr has Grown at 45.5% (vs previous 4Q average)

over average PBT of the previous four quarters of Rs 919.76 Cr

MOJO Watch

Near term PBT trend is very positive

PBT less Other Income (Rs Cr)

Net NPA - Quarterly

Lowest at 0.60% and Fallen

each quarter in the last five quarters

MOJO Watch

Proportion of stressed loans given by the bank are falling

Net NPA (%)

Net Interest Income (Quarterly)

Highest at Rs 6,460.69 cr

in the last five quarters

MOJO Watch

The bank's income from core business is increasing

Net Interest Income (Rs Cr)

Profit After Tax (PAT) - Quarterly

Highest at Rs 2,704.67 cr.

in the last five quarters

MOJO Watch

Near term PAT trend is positive

PAT (Rs Cr)

Earnings per Share (EPS) - Quarterly

Highest at Rs 5.94

in the last five quarters

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (Rs)

Here's what is not working for Bank Of India

Non Operating Income - Quarterly

is 63.01 % 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