Bank of India

₹130.45▼ -5.44%28 Sept

📊 Stock Analysis

Market Data

Market Cap₹59,389.55 Cr.

52W High₹178.45

Current Price₹130.45

52W Low₹116.35

Down from 52W High26.9 %

Face Value₹10

Performance

ROCE31.76 %

ROE13.09 %

EPS (TTM)₹7.25

EPS Prev Qtr₹6.78

EPS Last Year₹5.66

EBITDA Qtr₹5,137.99 Cr.

Book Value₹198

Financial Health

Debt/Equity1.32

Debt/Profit10.35

Total Assets₹11,79,551.6 Cr.

Dividend Yield3.56 %

Promoter Holding73.38 %

Earning Power1.55 %

Valuation

Stock P/E5.04

Industry P/E10.31

Price to Book0.66

Price to Sales0.77

Graham Number₹339.19

Key Metrics

Book Value

₹169.98

Branches

5,533

Capital Adequacy % (Basel III)

19.28%

CASA %

36.68%

__derived

Face Value

₹10

Gross NPA %

1.81%

Net NPA %

0.51%

NIM %

2.52%

Provision Coverage %

93.83%

ROA % (annualised)

1.01%

Total Advances

₹7,97,775 Cr

Total Deposits

₹9,57,924 Cr

About Bank of India

Financial Services · Banks

Bank of India is listed on NSE in the Financial Services / Banks sector. Face value ₹10. Market cap ₹59,389.55 Cr.

Price Chart

Peer Comparison

Name	CMP	P/E	Market Cap	Div Yield	NP Qtr	Qtr Profit Var%	Sales Qtr	Qtr Sales Var%	ROCE%	Debt/Eq
HDFC Bank Ltd	-	13.99	₹11,07,124.43 Cr	2.16%	₹82,511.72 Cr	-	₹3,51,818.61 Cr	-	25.02%	1
ICICI Bank Ltd	-	16.6	₹9,33,466.75 Cr	0.92%	₹59,489.34 Cr	-	₹1,98,379.35 Cr	-	28.81%	0.61
State Bank of India	-	10.31	₹8,87,893.11 Cr	1.8%	₹88,120.87 Cr	-	₹5,25,747.06 Cr	-	31.79%	1.3
Kotak Mahindra Bank Ltd	-	6.91	₹3,99,857.71 Cr	0.16%	₹20,238.55 Cr	-	₹70,887.47 Cr	-	20.7%	0.53
Axis Bank Ltd	-	13.54	₹3,76,715.23 Cr	0.08%	₹27,890.16 Cr	-	₹1,35,731.89 Cr	-	22.33%	1.31
Union Bank of India	-	6.35	₹1,31,145.34 Cr	2.91%	₹20,012.21 Cr	-	₹1,07,127.36 Cr	-	44.93%	0.58
Punjab National Bank	-	5.87	₹1,29,295.61 Cr	2.67%	₹20,602.7 Cr	-	₹1,31,788.93 Cr	-	45.06%	0.72
Bank of Baroda	-	6.49	₹1,17,855.34 Cr	3.73%	₹17,697.87 Cr	-	₹1,36,546.33 Cr	-	31.19%	1.03
Canara Bank	-	5.52	₹1,09,664.17 Cr	3.47%	₹18,979.1 Cr	-	₹1,27,805.38 Cr	-	42.06%	1.32
Indian Bank	-	8.47	₹1,08,282.43 Cr	2.27%	₹12,541.37 Cr	-	₹69,314.13 Cr	-	45.78%	0.58
IDBI Bank Ltd	-	9.73	₹90,750.27 Cr	-	₹9,318.15 Cr	-	₹29,542.24 Cr	-	28.56%	0.41
Federal Bank Ltd	-	17.05	₹80,026.16 Cr	0.37%	₹4,834.22 Cr	-	₹30,384.84 Cr	-	33.62%	0.86
AU Small Finance Bank Ltd	-	26.11	₹74,747.4 Cr	0.1%	₹2,856.35 Cr	-	₹19,560.64 Cr	-	149.65%	3.56
IndusInd Bank Ltd	-	53.5	₹70,733.57 Cr	0.17%	₹1,322.16 Cr	-	₹45,296.87 Cr	-	26.82%	0.65
IDFC First Bank Ltd	-	31	₹69,426.16 Cr	0.31%	₹2,304.91 Cr	-	₹41,957.76 Cr	-	26.68%	0.77
Yes Bank Ltd	-	17.82	₹66,539.94 Cr	-	₹3,775.15 Cr	-	₹30,658.32 Cr	-	21.74%	1.28
RBL Bank Ltd	-	29.1	₹62,809.51 Cr	0.25%	₹899.06 Cr	-	₹14,735.81 Cr	-	27.86%	1
Bank of Maharashtra	-	8.24	₹62,109.31 Cr	2.72%	₹7,448.08 Cr	-	₹30,262.41 Cr	-	35.86%	1.06
Indian Overseas Bank	-	10.36	₹61,062.65 Cr	-	₹5,757.71 Cr	-	₹33,289.81 Cr	-	29.78%	1.4
Bank of India	-	5.04	₹59,389.55 Cr	3.56%	₹11,463.77 Cr	-	₹77,243.58 Cr	-	31.76%	1.32

Quarterly Results

📊 Jun 2026: Revenue grew 8.8% YoY, Profit grew 77.9% YoY

	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales	18,466.61	18,521.48	19,051.83	19,573.37	20,096.9
↳ QoQ Growth	-	+0.3%	+2.9%	+2.7%	+2.7%
Expenses	17,719.82	17,379.05	17,705.69	18,773.51	18,545.41
Operating Profit	4,069.92	3,852.48	4,255.57	5,081.54	5,137.99
OPM %	22.04%	20.8%	22.34%	25.96%	25.57%
Other Income	2,211.01	2,218.39	2,327.38	3,279.5	2,615.38
Interest	12,320.83	12,529.86	12,504.24	12,784.57	13,155.84
Depreciation	-	-	-	-	-
EBITDA	-	-	-	-	-
EBITDA Margin %	-	-	-	-	-
Profit Before Tax	2,439	3,360.82	3,673.52	4,079.36	4,166.87
Tax %	27.68%	24.85%	25.14%	25.24%	24.68%
Net Profit	1,763.95	2,525.64	2,750.01	3,049.66	3,138.46
↳ QoQ Growth	-	+43.2%	+8.9%	+10.9%	+2.9%
EPS	4.02	5.66	6.18	6.78	7.25

Profit & Loss

	Mar 2026	TTM
Sales	75613.29	77243.58
Expenses	71578.07	72403.66
Operating Profit	17259.51	18327.58
OPM %	22.83%	23.73%
Other Income	10036.28	10440.65
Interest	50139.5	50974.51
Depreciation	-	-
Profit Before Tax	13552.7	15280.57
Tax %	25.56%	24.98%
Net Profit	10089.26	11463.77
EPS	22.64	25.87

Compounded Sales Growth

10Y

TTM

Compounded Profit Growth

10Y

TTM

Stock Price CAGR

10Y

9.76%

Return on Equity

10Y

Last Year

12.74%

Balance Sheet

	Mar 2026	Mar 2027
Equity Capital	4553.407	4553.41
Reserves	85405.14	86436.24
Borrowings	118625.89	115375.75
Other Liabilities	970967.2	1002958.3
Total Liabilities	1179551.6	1209323.8
Fixed Assets	11670.438	11769.93
CWIP	206.656	-
Investments	279083.72	280505.63
Other Assets	888590.75	917048.2
Total Assets	1179551.6	1209323.8

Cash Flows

	Mar 2026
Cash from Operating Activity	4752.862
Cash from Investing Activity	-328.5618
Cash from Financing Activity	-5672.087
Net Cash Flow	-1247.7872

Ratios

	Mar 2026
Debtor Days	-
Inventory Days	-
Days Payable	-
Cash Conversion Cycle	-
Working Capital Days	5121.29
ROCE %	1.63%

Shareholding Pattern

	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters %	73.38%	73.38%	73.38%	73.38%
FIIs %	4.24%	5.82%	7.26%	6.87%
DIIs %	15.62%	15.17%	13.96%	13.97%
Public %	5.92%	4.92%	4.52%	4.64%
No. of Shareholders	6,95,996	6,38,639	6,26,189	5,95,832