Bank Of Baroda
BANKBARODA
Banks
₹ 237.48
Price
₹ 122,820
Market Cap
Large Cap
6.31
P/E Ratio
📊 Score Snapshot
4.92 / 25
Performance
24.11 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
36.04 / 100
Avoid
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 43.62 | -40.02 | -68.03 | -24.35 | -38.09 | -44.01 | -52.01 | -294.89 |
| Adj Cash PAT | 22,706 | -20,595 | -35,082 | -12,507 | -19,647 | -20,264 | -13,686 | -77,995 |
| Adj Cash PAT To PAT | 1.09 | -1.09 | -2.34 | -1.58 | -11.63 | -20.72 | -11.62 | 44.38 |
| Adj Cash PE | 5.25 | - | - | - | - | - | - | - |
| Adj EPS | 40.12 | 36.30 | 28.84 | 15.19 | 3.12 | 2.00 | 4.20 | -6.83 |
| Adj Number Of Shares | 517.12 | 517.14 | 517.18 | 517.13 | 517.73 | 461.69 | 264.42 | 264.66 |
| Adj PE | 5.71 | 7.41 | 5.86 | 7.64 | 28.82 | 24.42 | 31.47 | - |
| Adj Peg | 0.54 | 0.29 | 0.07 | 0.02 | 0.51 | - | - | - |
| Bvps | 285.72 | 233.46 | 205.05 | 179.12 | 159.98 | 165.67 | 209.28 | 176.98 |
| Cash Revenue | 127,945 | 236,758 | 189,006 | 146,770 | 148,628 | 157,790 | 105,812 | 92,112 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 3.68 | 2.83 | 3.24 | 2.49 | - | - | - | - |
| Fcfe | 28,442 | -9,728 | -36,152 | -13,835 | -17,730 | -10,594 | -14,721 | -77,508 |
| Fcfe Margin | 22.23 | -4.11 | -19.13 | -9.43 | -11.93 | -6.71 | -13.91 | -84.14 |
| Fcfe To Adj PAT | 1.36 | -0.52 | -2.41 | -1.74 | -10.50 | -10.83 | -12.50 | 44.10 |
| Market Cap | 118,203 | 139,059 | 87,326 | 59,987 | 39,140 | 22,484 | 34,533 | 39,805 |
| PB | 0.80 | 1.15 | 0.82 | 0.65 | 0.47 | 0.29 | 0.62 | 0.85 |
| PE | 5.71 | 7.41 | 5.86 | 7.64 | 25.28 | 24.23 | 31.39 | - |
| Peg | 0.55 | 0.29 | 0.07 | 0.02 | 0.52 | - | - | - |
| PS | 0.92 | 0.59 | 0.46 | 0.41 | 0.26 | 0.14 | 0.33 | 0.43 |
| ROE | 15.57 | 16.64 | 15.12 | 9.05 | 2.12 | 1.48 | 2.30 | -3.90 |
| Share Price | 228.58 | 268.90 | 168.85 | 116.00 | 75.60 | 48.70 | 130.60 | 150.40 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 33,318 | 32,866 | 32,820 | 65,140 | 63,774 | 62,286 | 62,144 | 60,084 | 58,526 | 56,006 | 54,392 | 49,668 | 44,848 | 40,096 |
| Interest | 20,191 | 20,307 | 20,273 | 20,143 | 19,266 | 18,582 | 18,309 | 18,002 | 17,528 | 16,060 | 14,790 | 13,161 | 11,495 | 10,496 |
| Expenses - | 11,548 | 12,928 | 12,712 | 10,654 | 12,755 | 10,879 | 12,269 | 10,556 | 12,216 | 11,040 | 10,642 | 11,012 | 10,408 | 8,210 |
| Financing Profit | 1,579 | -368.00 | -165.00 | 1,772 | -134.00 | 1,682 | 494.00 | 1,484 | -480.00 | 902.00 | 1,764 | 660.00 | 522.00 | 1,343 |
| Financing Margin % | 4.74 | -1.12 | -0.50 | 2.72 | -0.21 | 2.70 | 0.79 | 2.47 | -0.82 | 1.61 | 3.24 | 1.33 | 1.16 | 3.35 |
| Other Income - | 5,116 | 5,538 | 7,076 | 5,163 | 7,568 | 4,658 | 6,538 | 5,042 | 6,503 | 5,316 | 5,332 | 5,519 | 3,896 | 1,528 |
| Profit Before Tax | 6,695 | 5,170 | 6,911 | 6,935 | 7,434 | 6,340 | 7,033 | 6,526 | 6,023 | 6,217 | 7,096 | 6,179 | 4,418 | 2,871 |
| Tax % | 22.61 | 31.97 | 21.18 | 24.30 | 27.29 | 24.86 | 26.63 | 26.22 | 26.52 | 28.13 | 25.10 | 29.50 | 23.22 | 32.36 |
| Net Profit - | 5,181 | 3,517 | 5,447 | 5,250 | 5,405 | 4,764 | 5,160 | 4,815 | 4,426 | 4,468 | 5,315 | 4,356 | 3,392 | 1,942 |
| Profit From Associates | 110.00 | 165.00 | 140.00 | 133.00 | -50.00 | 184.00 | 144.00 | 66.00 | 83.00 | 165.00 | 205.00 | 190.00 | 120.00 | -198.00 |
| Minority Share | -47.00 | -48.00 | -27.00 | -36.00 | -50.00 | -36.00 | -28.00 | -26.00 | -32.00 | -16.00 | -60.00 | -50.00 | 8.00 | 2.00 |
| Profit Excl Exceptional | 5,181 | 3,517 | 5,447 | 5,250 | 5,405 | 4,764 | 5,160 | 4,815 | 4,426 | 4,468 | 5,315 | 4,356 | 3,392 | 1,942 |
| Profit For PE | 5,134 | 3,469 | 5,420 | 5,214 | 5,355 | 4,728 | 5,132 | 4,789 | 4,394 | 4,452 | 5,255 | 4,306 | 3,392 | 1,942 |
| Profit For EPS | 5,134 | 3,469 | 5,420 | 5,214 | 5,355 | 4,728 | 5,132 | 4,789 | 4,394 | 4,452 | 5,255 | 4,306 | 3,400 | 1,944 |
| EPS In Rs | 9.93 | 6.71 | 10.48 | 10.08 | 10.36 | 9.14 | 9.92 | 9.26 | 8.50 | 8.61 | 10.16 | 8.33 | 6.58 | 3.76 |
| PAT Margin % | 15.55 | 10.70 | 16.60 | 8.06 | 8.48 | 7.65 | 8.30 | 8.01 | 7.56 | 7.98 | 9.77 | 8.77 | 7.56 | 4.84 |
| PBT Margin | 20.09 | 15.73 | 21.06 | 10.65 | 11.66 | 10.18 | 11.32 | 10.86 | 10.29 | 11.10 | 13.05 | 12.44 | 9.85 | 7.16 |
| Tax | 1,514 | 1,653 | 1,464 | 1,685 | 2,029 | 1,576 | 1,873 | 1,711 | 1,597 | 1,749 | 1,781 | 1,823 | 1,026 | 929.00 |
| Yoy Profit Growth % | -4.00 | -27.00 | 6.00 | 9.00 | 22.00 | 6.00 | -2.00 | 11.00 | 30.00 | 129.00 | 159.00 | 75.00 | 56.00 | 64.00 |
| Adj PAT | 5,181 | 3,517 | 5,447 | 5,250 | 5,405 | 4,764 | 5,160 | 4,815 | 4,426 | 4,468 | 5,315 | 4,356 | 3,392 | 1,942 |
| Adj PAT Margin | 15.55 | 10.70 | 16.60 | 8.06 | 8.48 | 7.65 | 8.30 | 8.01 | 7.56 | 7.98 | 9.77 | 8.77 | 7.56 | 4.84 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 127,945 | 236,758 | 189,006 | 146,770 | 148,628 | 157,790 | 105,812 | 92,112 | 88,946 | 91,598 | 89,830 | 80,926 |
| Interest | 78,265 | 69,899 | 49,942 | 38,815 | 43,201 | 50,040 | 32,506 | 29,160 | 29,596 | 32,107 | 30,547 | 27,604 |
| Expenses - | 45,533 | 44,387 | 38,231 | 37,518 | 38,070 | 40,583 | 25,815 | 26,093 | 19,250 | 25,391 | 13,466 | 12,049 |
| Financing Profit | 4,147 | 4,093 | 6,329 | -2,948 | -6,957 | -11,728 | -5,414 | -9,197 | -4,372 | -11,700 | 902.00 | 809.00 |
| Financing Margin % | 3.24 | 1.73 | 3.35 | -2.01 | -4.68 | -7.43 | -5.12 | -9.98 | -4.92 | -12.77 | 1.00 | 1.00 |
| Other Income - | 24,900 | 23,393 | 16,261 | 14,390 | 14,416 | 12,188 | 7,872 | 7,903 | 7,859 | 5,990 | 5,449 | 5,555 |
| Exceptional Items | 40.00 | 6.00 | 14.00 | 4.00 | 271.00 | 4.00 | 15.00 | 90.00 | 78.00 | 2.00 | - | - |
| Depreciation | 1,467 | 1,694 | 2,040 | 1,438 | 1,357 | 1,697 | 948.00 | 901.00 | 540.00 | 525.00 | 368.00 | 368.00 |
| Profit Before Tax | 27,619 | 25,799 | 20,565 | 10,008 | 6,373 | -1,234 | 1,525 | -2,106 | 3,024 | -6,233 | 5,983 | 5,996 |
| Tax % | 24.45 | 26.86 | 27.04 | 20.73 | 74.58 | 179.50 | 23.54 | 12.82 | 38.66 | 19.25 | 33.98 | 16.01 |
| Net Profit - | 20,865 | 18,869 | 15,005 | 7,933 | 1,620 | 981.00 | 1,166 | -1,836 | 1,855 | -5,033 | 3,950 | 5,036 |
| Profit From Associates | 406.00 | 459.00 | 317.00 | 233.00 | 166.00 | 39.00 | 79.00 | 76.00 | 78.00 | 20.00 | 118.00 | 105.00 |
| Minority Share | -149.00 | -101.00 | -100.00 | -83.00 | -73.00 | -53.00 | -66.00 | -51.00 | -40.00 | -35.00 | -39.00 | -36.00 |
| Exceptional Items At | 40.00 | 6.00 | 14.00 | 4.00 | 271.00 | 4.00 | 15.00 | 90.00 | 78.00 | 2.00 | - | - |
| Profit Excl Exceptional | 20,826 | 18,863 | 14,991 | 7,929 | 1,349 | 977.00 | 1,151 | -1,925 | 1,777 | -5,035 | 3,950 | 5,036 |
| Profit For PE | 20,677 | 18,761 | 14,891 | 7,846 | 1,289 | 924.00 | 1,086 | -1,925 | 1,739 | -5,035 | 3,912 | 5,001 |
| Profit For EPS | 20,716 | 18,767 | 14,905 | 7,850 | 1,548 | 928.00 | 1,100 | -1,887 | 1,815 | -5,068 | 3,912 | 5,001 |
| EPS In Rs | 40.06 | 36.29 | 28.82 | 15.18 | 2.99 | 2.01 | 4.16 | -7.13 | 7.88 | -21.99 | 17.69 | 23.29 |
| Dividend Payout % | 21.00 | 21.00 | 19.00 | 19.00 | - | - | - | - | 15.00 | - | 18.00 | 19.00 |
| PAT Margin % | 16.31 | 7.97 | 7.94 | 5.41 | 1.09 | 0.62 | 1.10 | -1.99 | 2.09 | -5.49 | 4.40 | 6.22 |
| PBT Margin | 21.59 | 10.90 | 10.88 | 6.82 | 4.29 | -0.78 | 1.44 | -2.29 | 3.40 | -6.80 | 6.66 | 7.41 |
| Tax | 6,754 | 6,930 | 5,560 | 2,075 | 4,753 | -2,215 | 359.00 | -270.00 | 1,169 | -1,200 | 2,033 | 960.00 |
| Adj PAT | 20,895 | 18,873 | 15,015 | 7,936 | 1,689 | 977.82 | 1,177 | -1,758 | 1,903 | -5,031 | 3,950 | 5,036 |
| Adj PAT Margin | 16.33 | 7.97 | 7.94 | 5.41 | 1.14 | 0.62 | 1.11 | -1.91 | 2.14 | -5.49 | 4.40 | 6.22 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 17,522 | 17,032 | - | 15,576 | 13,756 | 12,331 | 11,268 | 7,080 | 6,255 |
| Average Total Assets | - | 1,758,270 | 1,590,323 | - | 1,432,996 | 1,271,394 | 1,201,301 | 1,009,802 | 783,733 | 733,506 |
| Average Total Equity | - | 134,241 | 113,390 | - | 99,338 | 87,726 | 79,658 | 65,914 | 51,088 | 45,070 |
| Borrowing | 148,247 | 135,813 | 101,959 | - | 107,910 | 109,526 | 71,263 | 95,753 | 68,868 | 64,860 |
| Cwip | - | 1.00 | 6.00 | - | 3.00 | 1.00 | - | - | - | - |
| Cash Equivalents | 51,994 | 54,139 | 52,659 | - | 52,764 | 68,209 | 35,838 | 29,357 | 24,766 | 20,886 |
| Deposits | 1,525,204 | 1,496,688 | 1,359,980 | - | 1,234,682 | 1,075,804 | 995,910 | 973,228 | 665,589 | 607,451 |
| Fixed Assets | 12,322 | 13,544 | 9,054 | - | 9,865 | 11,098 | 8,441 | 9,268 | 7,368 | 5,532 |
| Gross Block | - | 31,066 | 26,085 | - | 25,441 | 24,854 | 20,772 | 20,535 | 14,447 | 11,788 |
| Investments | 433,733 | 427,380 | 407,136 | - | 397,487 | 347,587 | 281,859 | 289,727 | 195,716 | 175,137 |
| Loans N Advances | 1,287,059 | 10,670 | 8,201 | - | 7,287 | 7,546 | 8,846 | 8,437 | 5,994 | 2,131 |
| Long Term Borrowings | - | - | - | - | - | - | - | - | - | 64,860 |
| Net Debt | -485,727 | -481,519 | 993,966 | - | 892,341 | 769,535 | 749,476 | 749,897 | 513,974 | 476,288 |
| Non Controlling Interest | 1,355 | 1,248 | 1,018 | - | 995.00 | 758.00 | 436.00 | 386.00 | 341.00 | 273.00 |
| Other Asset Items | 128,449 | 1,356,033 | 1,177,720 | - | 1,058,465 | 905,681 | 867,683 | 863,148 | 585,826 | 544,110 |
| Other Borrowings | - | - | 1,453,761 | - | 1,342,592 | 1,185,331 | 1,067,173 | 1,068,981 | 734,456 | 607,451 |
| Other Liability Items | 79,856 | 77,808 | 68,241 | - | 73,120 | 58,124 | 49,966 | 52,311 | 27,949 | 26,603 |
| Reserves | 157,860 | 145,467 | 118,677 | - | 104,019 | 90,833 | 81,354 | 75,179 | 54,466 | 46,036 |
| Share Capital | 1,036 | 1,036 | 1,036 | 1,036 | 1,036 | 1,036 | 1,036 | 925.00 | 530.00 | 530.00 |
| Total Assets | 1,913,557 | 1,861,766 | 1,654,775 | - | 1,525,871 | 1,340,121 | 1,202,667 | 1,199,935 | 819,670 | 747,796 |
| Total Borrowings | - | - | 1,453,761 | - | 1,342,592 | 1,185,331 | 1,067,173 | 1,068,981 | 734,456 | 672,311 |
| Total Equity | 160,251 | 147,751 | 120,731 | 1,036 | 106,050 | 92,627 | 82,826 | 76,490 | 55,337 | 46,839 |
| Total Equity And Liabilities | 1,913,557 | 1,861,766 | 1,654,775 | - | 1,525,871 | 1,340,121 | 1,202,667 | 1,199,935 | 819,670 | 747,796 |
| Total Liabilities | 1,753,306 | 1,714,015 | 1,534,044 | -1,036 | 1,419,821 | 1,247,494 | 1,119,841 | 1,123,445 | 764,333 | 700,957 |
| Trade Payables | - | 3,707 | 3,864 | - | 4,109 | 4,041 | 2,702 | 2,153 | 1,927 | 2,043 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 3,790 | 5,476 | -5,405 | -998.00 | -986.00 | 14,729 | 4,449 | 3,413 |
| Cash From Investing Activity | -6,494 | -1,285 | -1,096 | -3,645 | -471.00 | -139.00 | -2,537 | -414.00 |
| Cash From Operating Activity | 34,892 | -6,274 | -21,354 | 6,210 | -887.00 | 18,531 | -1,449 | -59,692 |
| Cash Paid For Loan Advances | -153,728 | -132,197 | -170,922 | -88,853 | -29,251 | -57,364 | -58,597 | -60,014 |
| Cash Paid For Purchase Of Fixed Assets | -6,332 | -1,355 | -786.00 | -3,405 | -2,786 | -3,303 | -2,666 | -613.00 |
| Cash Paid For Purchase Of Investments | -581.00 | - | - | - | - | - | - | - |
| Cash Paid For Repayment Of Borrowings | - | - | -2,324 | - | - | - | - | - |
| Cash Receipts From Deposits | 1,496,688 | 1,351,802 | 1,234,682 | 1,075,804 | 995,910 | 973,228 | 665,589 | 607,451 |
| Cash Received From Borrowings | 10,181 | 10,051 | - | 639.00 | 819.00 | 8,110 | 554.00 | - |
| Cash Received From Issue Of Debentures | - | - | - | - | - | - | - | - |
| Cash Received From Issue Of Shares | 1.00 | - | - | - | 110.00 | 8,293 | 5,082 | 5,375 |
| Cash Received From Sale Of Fixed Assets | 420.00 | 477.00 | - | - | 2,527 | 3,166 | 129.00 | 199.00 |
| Change In Other Working Capital Items | 10,654 | -24,391 | -38,053 | -11,485 | -14,766 | 4,951 | -14,404 | -6,416 |
| Change In Working Capital | 1,811 | -39,468 | -50,097 | -20,443 | -21,336 | -21,242 | -14,863 | -76,237 |
| Direct Taxes Paid | -9,628 | -8,303 | -5,618 | -1,008 | -5,329 | -267.00 | -4,300 | 960.00 |
| Dividends Paid | -3,930 | -2,844 | -1,466 | - | - | - | - | -333.00 |
| Dividends Received | - | - | - | 6.00 | - | - | - | - |
| Interest Paid | -2,691 | -1,754 | -1,852 | -1,958 | -1,915 | -1,674 | -1,187 | -1,187 |
| Net Cash Flow | 32,188 | -2,084 | -27,855 | 1,567 | -2,344 | 33,120 | 462.00 | -56,692 |
| Operating Deposits | 144,886 | 117,120 | 158,878 | 79,895 | 22,682 | 31,171 | 58,137 | -9,806 |
| Other Cash Financing Items Paid | 230.00 | 23.00 | 237.00 | 322.00 | - | - | - | -442.00 |
| Other Cash Investing Items Paid | -581.00 | -407.00 | -310.00 | -246.00 | -212.00 | -2.00 | - | - |
| Other Cash Operating Items Paid | - | - | - | - | - | 17,011 | - | - |
| Profit From Operations | 42,709 | 41,498 | 34,361 | 27,661 | 25,777 | 23,028 | 17,714 | 15,585 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Bankbaroda | 2025-09-30 | - | 8.71 | 18.93 | 8.30 | 0.00 |
| Bankbaroda | 2025-06-30 | - | 8.08 | 18.79 | 8.89 | 0.00 |
| Bankbaroda | 2025-03-31 | - | 8.98 | 17.97 | 8.83 | 0.00 |
| Bankbaroda | 2024-12-31 | - | 8.90 | 17.86 | 9.01 | 0.00 |
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