BSE:532134

Stock Analysis Report

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Executive Summary

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


Snowflake Analysis

Adequate balance sheet and overvalued.


Similar Companies

Share Price & News

How has Bank of Baroda's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 532134 has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-3.6%

532134

-2.4%

IN Banks

-1.6%

IN Market


1 Year Return

-58.3%

532134

-26.3%

IN Banks

-2.2%

IN Market

Return vs Industry: 532134 underperformed the Indian Banks industry which returned -26.3% over the past year.

Return vs Market: 532134 underperformed the Indian Market which returned -2.2% over the past year.


Shareholder returns

532134IndustryMarket
7 Day-3.6%-2.4%-1.6%
30 Day-0.6%9.7%1.7%
90 Day-11.0%7.9%6.2%
1 Year-58.3%-58.3%-26.3%-26.3%-0.4%-2.2%
3 Year-75.8%-75.8%-41.3%-41.9%-4.4%-9.0%
5 Year-74.9%-75.1%-11.7%-13.6%40.4%29.8%

Price Volatility Vs. Market

How volatile is Bank of Baroda's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Bank of Baroda undervalued compared to its fair value and its price relative to the market?

17.99x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 532134's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 532134's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 532134 is poor value based on its PE Ratio (18x) compared to the IN Banks industry average (14.5x).

PE vs Market: 532134 is poor value based on its PE Ratio (18x) compared to the Indian market (16.2x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: 532134 is good value based on its PB Ratio (0.3x) compared to the IN Banks industry average (0.6x).


Next Steps

Future Growth

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

20.9%

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.


Next Steps

Past Performance

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

23.6%

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 (4.8%) are lower than last year (7.7%).


Past Earnings Growth Analysis

Earnings Trend: 532134 has become profitable over the past 5 years, growing earnings by 23.6% per year.

Accelerating Growth: 532134's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 532134 had negative earnings growth (-15.8%) over the past year, making it difficult to compare to the Banks industry average (4.6%).


Return on Equity

High ROE: 532134's Return on Equity (1.3%) is considered low.


Next Steps

Financial Health

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


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: 532134's Assets to Equity ratio (15.7x) is moderate.

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

Low Risk Liabilities: 87% 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 (73%) is appropriate.

Level of Bad Loans: 532134 has a high level of bad loans (9.8%).


Next Steps

Dividend

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


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 532134's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 532134's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 532134's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 532134's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: 532134 is not paying a notable dividend for the Indian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 532134's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

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

1.2yrs

Average management tenure


CEO

Sanjiv Chadha (57 yo)

0.75

Tenure

₹696,137

Compensation

Mr. Sanjiv Chadha serves as Director of National Insurance Company Ltd. since 2020. Mr. Chadha serves as Chairman of the Board at IndiaFirst Life Insurance Company Ltd since June 2020. He serves as Managin ...


CEO Compensation Analysis

Compensation vs Market: Sanjiv's total compensation ($USD9.34K) is below average for companies of similar size in the Indian market ($USD768.56K).

Compensation vs Earnings: Insufficient data to compare Sanjiv's compensation with company performance.


Leadership Team

NamePositionTenureCompensationOwnership
Sanjiv Chadha
MD & CEO0.75yr₹696.14kno data
Shanti Jain
Executive Director2yrs₹3.16m0.00014%
₹ 269.4k
Vikramaditya Khichi
Executive Director2yrs₹3.18m0.00014%
₹ 269.4k
Murali Ramaswami
Executive Director1yr₹9.01m0.00015%
₹ 288.7k
Subrat Kumar
Chief Financial Officer0.25yrno datano data
Prashant Agarwal
Company Secretary & Compliance Officerno datano datano data
Nikita Raut
Chief Manager of HR & Head of Mumbai Academyno datano datano data
Manoj Piplani
Managing Director of Bobcardsno datano datano data
Kuku Kanojia
Chief Returning Officer2.83yrsno datano data
Sameer Narang
Chief Economist & Headno datano datano data
Sidheswar Patra
GM of Risk Management & Credit Approval and Chief Risk Officer1.42yrsno datano data
Ajay Khurana
Executive Director0.42yrno datano data

1.2yrs

Average Tenure

57yo

Average Age

Experienced Management: 532134's management team is not considered experienced ( 1.2 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Shanti Jain
Executive Director2yrs₹3.16m0.00014%
₹ 269.4k
Vikramaditya Khichi
Executive Director2yrs₹3.18m0.00014%
₹ 269.4k
Murali Ramaswami
Executive Director1yr₹9.01m0.00015%
₹ 288.7k
Ajay Khurana
Executive Director0.42yrno datano data
Hasmukh Adhia
Independent Non-Executive Chairman1.58yrs₹1.83mno data
Soundara Kumar
Shareholder Director2.83yrs₹2.33m0%
₹ 0
Bharatkumar Dhirubhai Dangar
Shareholder Director5.83yrs₹2.23m0.000010%
₹ 19.2k
Ajay Kumar
Government Nominee Director3.75yrsno datano data
Amit Agrawal
Government Nominee Director0.75yrno datano data
Srinivasan Sridhar
Shareholder Director1.83yrs₹2.11m0.000010%
₹ 19.2k

1.9yrs

Average Tenure

57yo

Average Age

Experienced Board: 532134's board of directors are not considered experienced ( 1.9 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 been diluted in the past year, with total shares outstanding growing by 16.4%.


Top Shareholders

Company Information

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


Key Information

  • Name: Bank of Baroda
  • Ticker: 532134
  • Exchange: BSE
  • Founded: 1908
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: ₹192.447b
  • Shares outstanding: 4.62b
  • Website: https://www.bankofbaroda.in

Number of Employees


Location

  • Bank of Baroda
  • Baroda Bhavan
  • R C Dutt Road
  • Vadodara
  • Gujarat
  • 390007
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
532134BSE (Mumbai Stock Exchange)YesEquity SharesININRFeb 1997
BANKBARODANSEI (National Stock Exchange of India)YesEquity SharesININRFeb 1997

Biography

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 Bank ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/31 12:42
End of Day Share Price2020/10/30 00:00
Earnings2020/03/31
Annual Earnings2020/03/31


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.