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Bank of Baroda BSE:532134 Stock Report

Last Price

₹101.10

Market Cap

₹522.8b

7D

6.0%

1Y

17.6%

Updated

29 Jun, 2022

Data

Company Financials
532134 fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance4/6
Financial Health4/6
Dividends3/6

532134 Stock Overview

Bank of Baroda provides various banking products and services to individuals, government departments, and corporate customers.

Bank of Baroda Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Bank of Baroda
Historical stock prices
Current Share Price₹101.10
52 Week High₹122.65
52 Week Low₹72.50
Beta0.81
1 Month Change-0.44%
3 Month Change-9.41%
1 Year Change17.63%
3 Year Change-19.41%
5 Year Change-37.15%
Change since IPO1,277.38%

Recent News & Updates

Shareholder Returns

532134IN BanksIN Market
7D6.0%1.2%3.0%
1Y17.6%-6.3%0.3%

Return vs Industry: 532134 exceeded the Indian Banks industry which returned -5.6% over the past year.

Return vs Market: 532134 exceeded the Indian Market which returned 0.6% over the past year.

Price Volatility

Is 532134's price volatile compared to industry and market?
532134 volatility
532134 Average Weekly Movement5.4%
Banks Industry Average Movement5.2%
Market Average Movement7.0%
10% most volatile stocks in IN Market9.9%
10% least volatile stocks in IN Market4.5%

Stable Share Price: 532134 is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: 532134's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
190879,806Sanjiv Chadhahttps://www.bankofbaroda.in

Bank of Baroda provides various banking products and services to individuals, government departments, and corporate customers. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It offers savings and current accounts; term, fixed and recurring deposits; and NRI deposit products.

Bank of Baroda Fundamentals Summary

How do Bank of Baroda's earnings and revenue compare to its market cap?
532134 fundamental statistics
Market Cap₹522.82b
Earnings (TTM)₹78.50b
Revenue (TTM)₹331.07b

6.7x

P/E Ratio

0.6x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
532134 income statement (TTM)
Revenue₹331.07b
Cost of Revenue₹0
Gross Profit₹331.07b
Other Expenses₹252.57b
Earnings₹78.50b

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)15.18
Gross Margin100.00%
Net Profit Margin23.71%
Debt/Equity Ratio118.2%

How did 532134 perform over the long term?

See historical performance and comparison

Dividends

2.8%

Current Dividend Yield

19%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is 532134 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 532134?

Other financial metrics that can be useful for relative valuation.

532134 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does 532134's PE Ratio compare to its peers?

532134 PE Ratio vs Peers
The above table shows the PE ratio for 532134 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average14.2x
YESBANK Yes Bank
29.9xn/a₹318.2b
532187 IndusInd Bank
13xn/a₹625.9b
532483 Canara Bank
5.5x12.4%₹338.0b
532461 Punjab National Bank
8.5xn/a₹327.6b
532134 Bank of Baroda
6.7xn/a₹522.8b

Price-To-Earnings vs Peers: 532134 is good value based on its Price-To-Earnings Ratio (6.7x) compared to the peer average (14.2x).


Price to Earnings Ratio vs Industry

How does 532134's PE Ratio compare vs other companies in the IN Banks Industry?

Price-To-Earnings vs Industry: 532134 is good value based on its Price-To-Earnings Ratio (6.7x) compared to the Indian Banks industry average (13.2x)


Price to Earnings Ratio vs Fair Ratio

What is 532134's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

532134 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio6.7x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 532134's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of 532134 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate 532134's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate 532134's fair value for valuation analysis.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 532134's PEG Ratio to determine if it is good value.


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Future Growth

How is Bank of Baroda forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


18.5%

Forecasted Banks industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Bank of Baroda has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Discover growth companies

Past Performance

How has Bank of Baroda performed over the past 5 years?

Past Performance Score

4/6

Past Performance Score 4/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


44.8%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: 532134 has a high level of non-cash earnings.

Growing Profit Margin: 532134's current net profit margins (23.7%) are higher than last year (4.3%).


Past Earnings Growth Analysis

Earnings Trend: 532134's earnings have grown significantly by 44.8% per year over the past 5 years.

Accelerating Growth: 532134's earnings growth over the past year (407.2%) exceeds its 5-year average (44.8% per year).

Earnings vs Industry: 532134 earnings growth over the past year (407.2%) exceeded the Banks industry 43.6%.


Return on Equity

High ROE: 532134's Return on Equity (8.6%) is considered low.


Discover strong past performing companies

Financial Health

How is Bank of Baroda's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

4/6

Financial Health Score 4/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: 532134's Assets to Equity ratio (14.5x) is moderate.

Allowance for Bad Loans: Insufficient data to determine if 532134 has a sufficient allowance for bad loans.

Low Risk Liabilities: 86% of 532134's liabilities are made up of primarily low risk sources of funding.

Loan Level: 532134 has an appropriate level of Loans to Assets ratio (59%).

Low Risk Deposits: 532134's Loans to Deposits ratio (74%) is appropriate.

Level of Bad Loans: 532134 has a high level of bad loans (6.8%).


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Dividend

What is Bank of Baroda current dividend yield, its reliability and sustainability?

Dividend Score

3/6

Dividend Score 3/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


2.82%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: 532134's dividend (2.82%) is higher than the bottom 25% of dividend payers in the Indian market (0.43%).

High Dividend: 532134's dividend (2.82%) is in the top 25% of dividend payers in the Indian market (1.85%)


Stability and Growth of Payments

Stable Dividend: 532134's dividend payments have been volatile in the past 10 years.

Growing Dividend: 532134's dividend payments have fallen over the past 10 years.


Current Payout to Shareholders

Earnings Coverage: With its low payout ratio (18.8%), 532134's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

2.3yrs

Average management tenure


CEO

Sanjiv Chadha (58 yo)

2.42yrs

Tenure

₹4,046,242

Compensation

Mr. Sanjiv Chadha is Non-Executive & Independent Director of National Insurance Company Ltd. from June 08, 2022 and served as its Non-Executive Director since October 28, 2020 until June 08, 2022. Mr. Chad...


CEO Compensation Analysis

Compensation vs Market: Sanjiv's total compensation ($USD51.21K) is below average for companies of similar size in the Indian market ($USD867.95K).

Compensation vs Earnings: Sanjiv's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: 532134's management team is considered experienced (2.3 years average tenure).


Board Members

Experienced Board: 532134's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Bank of Baroda's employee growth, exchange listings and data sources


Key Information

  • Name: Bank of Baroda
  • Ticker: 532134
  • Exchange: BSE
  • Founded: 1908
  • Industry: Diversified Banks
  • Sector: Banks
  • Implied Market Cap: ₹522.825b
  • Shares outstanding: 5.17b
  • Website: https://www.bankofbaroda.in

Number of Employees


Location

  • Bank of Baroda
  • Baroda Bhavan
  • 7th Floor
  • Vadodara
  • Gujarat
  • 390007
  • India

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/29 00:00
End of Day Share Price2022/06/29 00:00
Earnings2022/03/31
Annual Earnings2022/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.