Overview

Detailed Summary

Bank of Baroda is one of the leading public sector banks in India, offering a wide range of banking solutions including personal, business, corporate, and international banking services. It also has a notable presence in rural banking and various financial products.
For Q3FY26, the bank recorded a growth of 14.7% in global advances and a 10.3% increase in deposits. Despite a slight dip in Net Interest Margin (NIM) to 2.79%, the bank managed a commendable net profit growth of 4.5% year-over-year, highlighting efficient cost management.
Domestic CASA growth stood at 8.6%, marking one of the best performances in recent quarters. The bank's CASA ratio was 38.45%, with competitive performance among its peers, reflecting strong customer trust and efficient deposit mobilization strategies.
The bank's asset quality has shown robust improvements, with Gross NPA ratio declining to 2.04% and Net NPA ratio improving to 0.57%. This improvement aligns with the bank's strategic focus on sustainable growth and prudent credit management.
The bank's capital adequacy remains strong with a CET-1 of 12.45% and CRAR at 15.29%, indicating a stable financial footing for future growth and resilience against potential market volatilities.

Sector: Banks
Industry: Banks - Public Sector
Market Cap: 1,57,727 Cr
Volatility: Moderate Risk
P/E Ratio: 8.1
Industry P/E: 10.7
PEG Ratio: 1.3
P/B Ratio: 1.0
52W High: 313.30
52W Low: 190.70

Sales CAGR

1Y: 8.08%
3Y: 20.23%
5Y: 9.83%
10Y: 11.92%

Profit CAGR

1Y: 11.13%
3Y: 39.12%
5Y: 104.60%
10Y: —

ROE

TTM: 11.65%
3Y: 14.65%
5Y: 11.69%
10Y: 7.50%

ROCE

TTM: 5.45%
3Y: 10.36%
5Y: 10.16%
10Y: 10.48%

Technicals

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Analyst Target, Price, EPS and Revenue Projections

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
BANKBARODA	305.00	1,57,727 Cr	8.10	0.96	2.74	11.65	5.45	0.97
UNIONBANK	193.00	1,47,329 Cr	7.78	1.17	2.46	14.07	6.34	1.23
PNB	128.15	1,47,282 Cr	8.28	1.05	2.26	11.09	5.83	0.84
CANBK	151.95	1,37,829 Cr	6.82	1.24	2.63	15.20	6.19	0.98
INDIANB	938.40	1,26,372 Cr	10.51	1.74	1.73	14.15	5.87	1.19
BANKINDIA	172.50	78,534 Cr	7.70	1.01	2.35	11.21	5.61	0.86
IOB	36.58	70,441 Cr	14.23	2.18	0.00	13.33	5.63	1.06

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	29,263	30,042	31,072	31,143	31,887	32,570	32,345	32,866	33,318	33,600
Expenses	12,216	10,556	12,269	10,879	12,755	10,654	12,712	12,928	11,548	12,390
Interest	17,528	18,002	18,309	18,582	19,266	20,143	20,273	20,307	20,191	20,586
Financing Profit	-480	1,484	494	1,682	-134	1,772	-640	-368	1,579	624
Financing Margin %	-1.64	4.94	1.59	5.40	-0.42	5.44	-1.98	-1.12	4.74	1.86
Other Income	6,503	5,042	6,538	4,658	7,568	5,163	7,551	5,538	5,116	6,399
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	6,023	6,526	7,033	6,340	7,434	6,935	6,911	5,170	6,695	7,024
Tax %	27.89	27.24	28.68	27.75	26.62	26.22	23.21	35.16	24.27	23.02
Net Profit	4,394	4,789	5,132	4,728	5,355	5,214	5,420	3,469	5,134	5,443
EPS in Rs	8.50	9.26	9.92	9.14	10.36	10.08	10.48	6.71	9.93	10.53
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	44,473	46,056	52,906	78,895	74,314	73,385	94,503	1,18,379	1,27,945	1,29,668
Expenses	19,250	26,093	25,815	40,583	38,070	37,518	38,231	44,379	45,533	49,049
Interest	29,596	29,160	32,506	50,040	43,201	38,815	49,942	69,899	78,265	79,989
Financing Profit	-4,372	-9,197	-5,414	-11,728	-6,957	-2,948	6,329	4,102	4,147	630
Financing Margin %	-9.83	-19.97	-10.23	-14.87	-9.36	-4.02	6.70	3.46	3.24	0.49
Other Income	7,937	7,992	7,887	12,191	14,687	14,395	16,275	23,399	24,939	25,819
Depreciation	540	901	948	1,697	1,357	1,438	2,040	1,702	1,467	0.00
Profit Before Tax	3,024	-2,106	1,525	-1,234	6,373	10,008	20,565	25,799	27,619	26,449
Tax %	41.23	9.20	28.70	176.36	77.19	23.06	28.58	28.64	25.92	26.43
Net Profit	1,855	-1,836	1,166	981	1,620	7,933	15,005	18,869	20,865	19,458
EPS in Rs	—	—	2.02	1.68	2.83	15.17	28.83	36.29	40.06	37.65
Dividend Payout %	15.23	0.00	0.00	0.00	0.00	18.77	19.08	20.94	20.84	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	462	462	530	530	925	1,036	1,036	1,036	1,036	1,036
Reserves	42,041	42,605	46,036	54,466	75,179	81,354	90,833	1,04,019	1,18,677	1,45,467
Borrowings	6,20,536	6,48,499	6,72,311	7,34,456	10,68,981	10,67,173	11,85,331	13,42,592	14,53,761	16,32,501
Other Liabilities	28,140	27,654	28,928	30,220	54,857	53,113	62,938	78,232	81,306	82,771
Total Liabilities	6,91,179	7,19,221	7,47,805	8,19,672	11,99,942	12,02,676	13,40,137	15,25,879	16,54,779	18,61,774
Fixed Assets	6,359	5,930	5,532	7,368	9,268	8,441	11,098	9,865	9,054	13,544
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.56	2.87	5.56	0.74
Investments	1,28,894	1,40,716	1,75,137	1,95,716	2,89,727	2,81,859	3,47,587	3,97,487	4,07,136	4,27,380
Other Assets	5,55,926	5,72,574	5,67,135	6,16,588	9,00,948	9,12,376	9,81,451	11,18,524	12,38,584	14,20,850
Total Assets	6,91,179	7,19,221	7,47,805	8,19,672	11,99,942	12,02,676	13,40,137	15,25,879	16,54,779	18,61,774

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-10,011	17,865	-59,692	-1,449	18,531	-887	6,210	-21,354	-6,274	34,892
Cash from Investing Activity	-4,005	-551	-414	-2,537	-139	-471	-3,645	-1,096	-1,285	-6,494
Cash from Financing Activity	-616	-198	3,413	4,449	14,729	-986	-998	-5,405	5,476	3,790
Net Cash Flow	-14,632	17,116	-56,692	462	33,120	-2,344	1,567	-27,855	-2,084	32,188

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%
FIIs	10.92%	12.29%	12.39%	12.27%	12.40%	11.45%	9.87%	8.90%	8.98%	8.08%	8.71%	9.84%
DIIs	17.00%	16.04%	16.00%	16.00%	16.30%	16.04%	16.60%	18.12%	18.23%	19.06%	19.01%	18.82%
Public	8.11%	7.70%	7.64%	7.75%	7.33%	8.55%	9.55%	9.00%	8.83%	8.89%	8.31%	7.37%
Total Shareholders	12,78,020	12,39,958	12,70,480	12,89,443	13,29,618	14,11,266	17,11,548	16,93,917	16,89,797	16,31,562	15,65,743	14,77,398

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Frequently Asked Questions about Bank of Baroda

Bank of Baroda (BANKBARODA) is currently trading at 304.65 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

Bank of Baroda is one of the leading public sector banks in India, offering a wide range of banking solutions including personal, business, corporate, and international banking services. It also has a notable presence in rural banking and various financial products. For Q3FY26, the bank recorded a growth of 14.7% in global advances and a 10.3% increase in deposits. Despite a slight dip in Net Interest Margin (NIM) to 2.79%, the bank managed a commendable net profit growth of 4.5% year-over-year, highlighting efficient cost management. Domestic CASA growth stood at 8.6%, marking one of the best performances in recent quarters. The bank's CASA ratio was 38.45%, with competitive performance among its peers, reflecting strong customer trust and efficient deposit mobilization strategies. The bank's asset quality has shown robust improvements, with Gross NPA ratio declining to 2.04% and Net NPA ratio improving to 0.57%. This improvement aligns with the bank's strategic focus on sustainable growth and prudent credit management. The bank's capital adequacy remains strong with a CET-1 of 12.45% and CRAR at 15.29%, indicating a stable financial footing for future growth and resilience against potential market volatilities.

Over the past 52 weeks, Bank of Baroda has traded between a low of ₹190.70 and a high of ₹313.30. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

Bank of Baroda has a market capitalization of approximately 1,57,726.55. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

Bank of Baroda’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 8.10 and operates in the Banks sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 1,57,726.55 Cr, Bank of Baroda is classified as a Large Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

Bank of Baroda operates in the Banks sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of Bank of Baroda is 8.10. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

Bank of Baroda's stock fell due to two main budget announcements: the formation of a high-level committee to review the banking sector, which created policy uncertainty, and the government's plan for record market borrowing, which raised concerns about rising bond yields and potential treasury losses.

Bank of Baroda reported a consolidated net profit of ₹5,214 crore for Q3 FY25, marking a 5.6% year-on-year increase from ₹4,789 crore in the same quarter of the previous year.

The share price surged to an all-time high after its Q2 FY26 financial results surpassed market expectations, driven by strong asset quality improvement, resilient net interest margins, and subsequent rating upgrades from multiple brokerages.

Bank Of Baroda

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