BANKINDIA:NSE-Bank of India Limited (INR)

COMMON STOCK | Banks-Regional | NSE

Last Closing Price

INR 69.65

Change

+0.50 (+0.72)%

Market Cap

INR 228.07B

Volume

7.97M

Average Target Price

N/A
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

Bank of India Limited provides various banking products and services. It operates through Treasury Operations, Wholesale Banking, and Retail Banking segments. The company accepts various deposit products, such as savings, current, salary, term, and tax saving deposits. It also offers home, education, vehicle, personal, pensioner, holiday, top-up, and demand/term loans, as well as loan for Pradhan Mantri Awas Yojana and against property; housing loans to NRIs/PIOs; overdraft against securities; loans against FCNR deposits; and loans for corporate and MSME customers. In addition, the company provides cash management services; trade finance; online share trading services; insurance products and services; mutual fund products; portfolio management services; credit, debit, and prepaid cards; and remittance, online banking and payment, online income tax return, and ATM and other kiosk services, as well as cards, loans, and services to rural customers. As of March 31, 2020, it operated 5,083 branches in India; and 24 branches and 1 representative office internationally. The company was founded in 1906 and is headquartered in Mumbai, India. Address: Star House, Mumbai, India, 400051

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-04-16 )

Largest Industry Peers for Banks-Regional

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

-1.45 (-0.10%)

INR7,875.83B 25.66 N/A
ICICIBANK:NSE ICICI Bank Limited

-8.25 (-1.43%)

INR3,921.45B 25.88 N/A
KOTAKBANK:NSE Kotak Mahindra Bank Limited

-9.15 (-0.52%)

INR3,495.78B 37.21 N/A
SBIN:NSE State Bank of India

-2.80 (-0.82%)

INR3,033.47B 13.08 N/A
AXISBANK:NSE Axis Bank Limited

+0.35 (+0.05%)

INR2,050.18B 65.28 N/A
INDUSINDBK:NSE IndusInd Bank Limited

+4.60 (+0.54%)

INR667.38B 26.61 N/A
BANDHANBNK:NSE Bandhan Bank Limited

-3.55 (-1.09%)

INR519.50B 19.84 N/A
IDBI:NSE IDBI Bank Limited

+0.05 (+0.14%)

INR386.01B 35.57 N/A
YESBANK:NSE Yes Bank Limited

+0.05 (+0.34%)

INR367.05B 8.00 N/A
PNB:NSE Punjab National Bank

+0.05 (+0.14%)

INR364.62B 29.37 N/A

ETFs Containing BANKINDIA

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 38.88% 91% A- 89% B+
Dividend Return N/A N/A N/A N/A N/A
Total Return 38.88% 91% A- 89% B+
Trailing 12 Months  
Capital Gain 104.25% 88% B+ 68% D+
Dividend Return N/A N/A N/A N/A N/A
Total Return 104.25% 88% B+ 68% D+
Trailing 5 Years  
Capital Gain -26.41% 54% F 36% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -26.41% 54% F 34% F
Average Annual (5 Year Horizon)  
Capital Gain -10.39% 48% F 24% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -10.39% 48% F 23% F
Risk Return Profile  
Volatility (Standard Deviation) 42.87% 18% F 50% F
Risk Adjusted Return -24.22% 52% F 25% F
Market Capitalization 228.07B 59% F 90% 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 10.23 87% B+ 75% C
Price/Book Ratio 0.52 71% C- 82% B-
Price / Cash Flow Ratio -0.58 38% F 81% B-
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity -3.34% 18% F 24% F
Return on Invested Capital 1.86% 82% B- 34% F
Return on Assets -0.24% 24% F 26% F
Debt to Equity Ratio 88.20% 63% D 18% 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 1.38 16% F 23% 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:
Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

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.

What to not like:
High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

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.

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

Low Revenue Growth

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