BANKBARODA:NSE-Bank of Baroda (INR)

COMMON STOCK | Banks-Regional | NSE

Last Closing Price

INR 85.80

Change

+0.20 (+0.23)%

Market Cap

INR 384.66B

Volume

0.06B

Average Target Price

INR 68.22 (-20.49%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Bank of Baroda provides various banking products and services to individual, government departments, and corporate customers. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It offers fixed, current, recurring, and savings deposit products, as well as NRI account and foreign currency deposits. The company also provides loans, such as home, education, vehicle, personal, mortgage, commission agents, and traders loans, as well as advances against securities and gold ornaments/jewelries, and loans for public issues/initial public offers; professional, composite, small business borrower, capital expenditure, bridge, and short term corporate loans, as well as loans for micro, small, and medium enterprises; working capital finance, term finance, commercial vehicle finance, export and import finance, bill finance, lines of credit, loans against rent receivables, term finance, project finance, infrastructure finance, loans for takeover of accounts, foreign currency credit, supply chain finance, and non-fund based services; and debit, prepaid, and credit cards. In addition, it offers loans and advances, and pensions and government schemes to rural and agricultural customers; life insurance, general insurance, and health insurance products, as well as mutual funds; appraisal, merchant banking, cash management, remittance, collection, electronic clearing, correspondent banking, treasury, trade finance, investment, lockers, and capital market services; and digital banking services, including mobile banking, internet payment gateway, Bharat bill payment system, Baroda FASTag, self-service passbook printer, and Baroda TabiT. Further, the company offers banking solutions for start-ups. As of March 31, 2020, it operated a network of 9,482 branches; 101 overseas branches; 13,193 ATMs; and 1,252 e-lobbies. Bank of Baroda was founded in 1908 and is headquartered in Vadodara, India. Address: Baroda Bhavan, Vadodara, India, 390007

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-03-04 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDFCBANK:NSE HDFC Bank Limited

-34.80 (-2.19%)

INR8,642.07B 28.17 N/A
ICICIBANK:NSE ICICI Bank Limited

-11.35 (-1.80%)

INR4,220.43B 27.87 N/A
KOTAKBANK:NSE Kotak Mahindra Bank Limited

-1.80 (-0.09%)

INR3,655.40B 38.91 N/A
SBIN:NSE State Bank of India

-9.40 (-2.32%)

INR3,518.08B 15.17 N/A
AXISBANK:NSE Axis Bank Limited

-17.15 (-2.27%)

INR2,240.92B 71.33 N/A
INDUSINDBK:NSE IndusInd Bank Limited

-7.80 (-0.71%)

INR829.87B 33.10 N/A
BANDHANBNK:NSE Bandhan Bank Limited

+2.50 (+0.70%)

INR555.89B 21.22 N/A
PNB:NSE Punjab National Bank

+0.05 (+0.11%)

INR442.68B 35.65 N/A
YESBANK:NSE Yes Bank Limited

+0.25 (+1.53%)

INR408.39B 8.90 N/A
IDFCFIRSTB:NSE IDFC First Bank Limited

+1.10 (+1.64%)

INR365.94B 81.13 N/A

ETFs Containing BANKBARODA

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 33.02% 76% C 85% B
Dividend Return N/A N/A N/A N/A N/A
Total Return 33.02% 76% C 85% B
Trailing 12 Months  
Capital Gain 16.50% 55% F 25% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 16.50% 55% F 24% F
Trailing 5 Years  
Capital Gain -42.38% 32% F 26% F
Dividend Return 0.81% 17% F 6% F
Total Return -41.57% 29% F 25% F
Average Annual (5 Year Horizon)  
Capital Gain -20.07% 21% F 15% F
Dividend Return 0.18% 22% F 14% F
Total Return -19.88% 21% F 14% F
Risk Return Profile  
Volatility (Standard Deviation) 23.40% 73% C 82% B-
Risk Adjusted Return -84.99% 15% F 8% F
Market Capitalization 384.66B 74% C 94% A
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 14.00 71% C- 63% D
Price/Book Ratio 0.52 71% C- 83% B
Price / Cash Flow Ratio -1.30 59% F 83% B
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 3.61% 45% F 44% F
Return on Invested Capital 1.47% 79% C+ 32% F
Return on Assets 0.24% 44% F 31% F
Debt to Equity Ratio 125.82% 31% F 12% F
Technical Ratios  
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta 0.93 84% B 58% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (INR)

Quarterly Financials (INR)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector