Bank of Baroda

• Intraday fact check

  In last 15 years, 46.7% of trading sessions had closing price higher than open price.

• Loan Book Growth - Beating 5 Yr CAGR

  Bank of Baroda reported a YoY increase of 45.91% in its advances, which is higher than its 5 yr CAGR of 12.53%. (Source: Consolidated Financials)

• Beating 3 Yr Revenue CAGR

  Company's annual revenue growth of 49.83% outperformed its 3 year CAGR of 20.01%. (Source: Consolidated Financials)

• Stock Returns vs Nifty 100

  Stock gave a 3 year return of -53.71% as compared to Nifty 100 which gave a return of 29.61%. (as of last trading session)

• PE Ratio(x)101.40
• EPS - TTM(₹)0.72
• MCap(₹ Cr.)33,337.39
• MCap Rank10
• PB Ratio(x)0.45
• Div Yield(%)0.00
• Face Value(₹)2.00
• 52W High(₹)98.25
• 52W Low(₹)36.00
• MCap/Sales0.31
• Beta(1 Month)2.21
• BV/Share(₹)165.54

• PE Ratio(x)101.26
• EPS - TTM(₹)0.72
• MCap(₹ Cr.)33,268.08
• MCap Rank10
• PB Ratio(x)0.45
• Div Yield(%)0.00
• Face Value(₹)2.00
• 52W High(₹)98.30
• 52W Low(₹)36.05
• MCap/Sales0.31
• Beta(1 Month)2.20
• BV/Share(₹)165.54

• 1 Day-2.79%
• 1 Month15.77%
• 3 Months81.27%
• 1 Year-24.96%
• 3 Years-55.0%
• 5 Years-41.89%

• 1 Day-2.99%
• 1 Month15.61%
• 3 Months80.79%
• 1 Year-25.03%
• 3 Years-55.09%
• 5 Years-42.33%

• Union Bank plans QIP up to Rs 3,000 cr

  News

• Overnight, the costs for bond issuers rise

  News

• Announcement under Regulation 30 (LODR)-Newspaper Publication

  Announcements

• BUY

  Buy Bank of Baroda, target price Rs 80: IIFL

  Recos

• Income (P&L)

  • Beating 3 Yr Revenue CAGR

    Company's annual revenue growth of 49.83% outperformed its 3 year CAGR of 20.01%. (Source: Consolidated Financials)

  QuarterlyAnnual	Sep 2020	Jun 2020	Mar 2020	Dec 2019	Sep 2019
  Total Income	21,853.79	21,684.71	22,589.84	23,134.67	23,304.57
  Total Income Growth (%)	0.78	-4.01	-2.36	-0.73	5.66
  Provisions & Contingencies	2,776.21	5,979.09	6,931.76	7,233.62	4,322.22
  Provisions & Contingencies Growth (%)	-53.57	-13.74	-4.17	67.36	34.39
  Profit after Tax (PAT)	1,771.21	-678.71	459.42	-1,219.04	853.41
  PAT Growth (%)	-	-247.73	-	-242.84	2.33
  Gross NPA (%)	-	-	-	-	-
  Net NPA (%)	-	-	-	-	-
  Net Profit Margin (%)	8.10	-3.13	2.03	-5.27	3.66
  Basic EPS (₹)	3.83	-1.47	0.86	-3.20	2.33

  QuarterlyAnnual	Sep 2020	Jun 2020	Mar 2020	Dec 2019	Sep 2019
  Total Income	20,719.85	20,312.44	21,533.10	21,809.08	22,097.91
  Total Income Growth (%)	2.01	-5.67	-1.27	-1.31	5.93
  Provisions & Contingencies	3,001.59	5,627.70	6,844.07	7,155.42	4,209.16
  Provisions & Contingencies Growth (%)	-46.66	-17.77	-4.35	70.00	28.14
  Profit after Tax (PAT)	1,678.60	-864.26	506.59	-1,406.95	736.68
  PAT Growth (%)	-	-270.60	-	-290.99	3.78
  Gross NPA (%)	9.14	9.39	9.40	10.43	10.25
  Net NPA (%)	2.51	2.83	3.13	4.05	3.91
  Net Profit Margin (%)	8.10	-4.25	2.35	-6.45	3.33
  Basic EPS (₹)	3.63	-1.87	0.95	-3.70	2.01

  QuarterlyAnnual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Total Income	91,086.03	60,793.30	54,048.63	52,410.23	51,791.17
  Total Income Growth (%)	49.83	12.48	3.13	1.20	2.83
  Provisions & Contingencies	19,527.67	14,431.54	15,473.62	10,687.29	14,774.39
  Provisions & Contingencies Growth (%)	35.31	-6.73	44.79	-27.66	100.18
  Profit after Tax (PAT)	927.75	1,100.10	-1,887.11	1,814.98	-5,067.68
  PAT Growth (%)	-13.33	-	-207.58	-	-231.84
  Net Interest Margin (%)	2.40	2.48	2.25	2.06	1.98
  Net Profit Margin (%)	1.17	2.07	-4.09	4.08	-11.06
  Basic EPS (₹)	2.32	4.16	-8.17	7.88	-21.93

  QuarterlyAnnual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Total Income	86,300.98	56,065.10	50,305.69	48,957.99	49,060.14
  Total Income Growth (%)	53.93	11.45	2.75	-0.21	3.58
  Provisions & Contingencies	19,145.23	13,053.30	14,437.37	9,591.93	14,211.11
  Provisions & Contingencies Growth (%)	46.67	-9.59	50.52	-32.50	118.07
  Profit after Tax (PAT)	546.19	433.52	-2,431.81	1,383.14	-5,395.54
  PAT Growth (%)	25.99	-	-275.82	-	-258.77
  Net Interest Margin (%)	2.37	2.36	2.15	1.94	1.89
  Net Profit Margin (%)	0.71	0.87	-5.57	3.27	-12.24
  Basic EPS (₹)	1.36	1.64	-10.53	6.00	-23.89

  All figures in Rs Cr, unless mentioned otherwise

• Balance Sheet

  • Loan Book Growth - Beating 5 Yr CAGR

    Bank of Baroda reported a YoY increase of 45.91% in its advances, which is higher than its 5 yr CAGR of 12.53%. (Source: Consolidated Financials)

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Advances	7,06,539.73	4,84,214.81	4,37,941.26	3,92,262.30	3,91,485.99
  Advances Growth (%)	45.91	10.57	11.65	0.20	-10.09
  Deposits	9,73,228.15	6,65,588.69	6,07,451.36	6,17,256.87	5,86,690.47
  Deposits Growth (%)	46.22	9.57	-1.59	5.21	-6.87
  Total Equity	76,490.47	50,295.48	46,838.76	43,300.10	42,696.85
  Total Equity Growth (%)	52.08	7.38	8.17	1.41	1.17
  Gross NPA (%)	-	-	-	-	-
  Net NPA (%)	-	-	-	-	-
  Capital Adequacy Ratios (%)	-	-	-	-	-
  Contingent Liabilities	3,25,173.65	3,81,543.49	2,99,023.38	2,53,394.60	2,12,910.39

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Advances	6,90,120.73	4,68,818.74	4,27,431.83	3,83,259.22	3,83,770.18
  Advances Growth (%)	47.20	9.68	11.53	-0.13	-10.35
  Deposits	9,45,984.43	6,38,689.72	5,91,314.82	6,01,675.17	5,74,037.87
  Deposits Growth (%)	48.11	8.01	-1.72	4.81	-7.05
  Total Equity	71,856.22	50,983.10	43,394.77	40,303.25	40,198.99
  Total Equity Growth (%)	40.94	17.49	7.67	0.26	0.91
  Gross NPA (%)	9.40	9.61	12.26	10.46	9.99
  Net NPA (%)	3.13	3.33	5.49	4.72	5.06
  Capital Adequacy Ratios (%)	13.30	13.42	12.13	13.17	13.17
  Contingent Liabilities	3,20,747.63	3,80,312.98	2,98,226.66	2,52,518.96	2,28,977.16

  All figures in Rs Cr, unless mentioned otherwise

• Cash Flows

  • Decrease in Cash from Investing

    Company has used Rs 139.0 cr for investing activities which is an YoY decrease of 94.52%. (Source: Consolidated Financials)

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Net Cash flow from Operating Activities	1,519.33	-1,449.07	-59,691.70	17,864.83	-10,011.31
  Net Cash used in Investing Activities	-139.00	-2,537.37	-413.63	-550.62	-4,005.10
  Net Cash flow from Financing Activities	14,728.67	4,448.53	3,413.08	-198.26	-615.73
  Net Cash Flow	33,120.23	462.09	-56,692.25	17,115.95	-14,632.14
  Closing Cash & Cash Equivalent	1,31,005.07	97,884.84	97,422.75	1,54,115.00	1,36,999.05
  Closing Cash & Cash Equivalent Growth (%)	33.84	0.47	-36.79	12.49	-9.65

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Net Cash flow from Operating Activities	929.51	-4,119.63	-61,087.84	17,193.86	-9,841.66
  Net Cash used in Investing Activities	141.03	-3,957.05	-563.35	-426.04	-3,995.41
  Net Cash flow from Financing Activities	14,589.74	4,408.92	4,078.65	-198.26	-615.73
  Net Cash Flow	32,671.50	-3,667.76	-57,572.53	16,569.56	-14,452.80
  Closing Cash & Cash Equivalent	1,21,901.12	89,229.62	92,897.38	1,50,469.91	1,33,900.35
  Closing Cash & Cash Equivalent Growth (%)	36.62	-3.95	-38.26	12.37	-9.74

  All figures in Rs Cr, unless mentioned otherwise

• Ratios

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Return on Equity (%)	1.21	2.20	-4.05	4.21	-11.92
  Return on Assets (%)	0.07	0.13	-0.25	0.25	-0.73
  Cost to Income (%)	44.02	44.74	49.58	40.13	47.76
  Interest income to Earning assets (%)	6.57	6.45	6.15	6.18	6.62
  Interest Expense to Earning assets (%)	4.17	3.96	3.89	4.11	4.64
  Price to Earnings (x)	26.74	31.06	-20.00	22.03	-6.71
  Price to Book (x)	0.33	0.68	0.81	0.93	0.80
  Price to Sales (x)	0.31	0.65	0.82	0.90	0.74
  Operating Profit Margin (%)	-14.25	-12.85	-21.50	-13.84	-24.11

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Return on Equity (%)	0.76	0.94	-5.60	3.43	-13.42
  Return on Assets (%)	0.04	0.05	-0.33	0.19	-0.80
  Cost to Income (%)	43.13	43.41	48.92	38.58	47.15
  Interest income to Earning assets (%)	6.56	6.37	6.06	6.07	6.56
  Interest Expense to Earning assets (%)	4.19	4.00	3.90	4.12	4.66
  Price to Earnings (x)	45.45	79.37	-15.53	28.90	-6.30
  Price to Book (x)	0.34	0.74	0.87	0.99	0.85
  Price to Sales (x)	0.33	0.69	0.86	0.95	0.77
  Operating Profit Margin (%)	-12.85	-11.77	-20.82	-12.73	-23.59

• Buy/Sell Signals

  No Data Available

• Price Analysis
  47%

  Positive Movement
  since 1st Jan 2005
  on basis

  53%

  Negative Movement
  since 1st Jan 2005
  on basis

  Exclude

  Global Meltdown1st Jan 2008 to 10th Nov 2008

  Covid Crisis1st Feb 2020 to 31st Mar 2020

• Pivot Levels

  R1	76.62	Pivot 75.58	S1	74.07
  R2	78.13		S2	73.03
  R3	80.68		S3	70.48

• Average True Range

  5 Days	14 Days	28 Days
  3.76	3.25	2.89

• Stock Performance

  • Stock Returns vs Nifty 100

    Stock gave a 3 year return of -53.71% as compared to Nifty 100 which gave a return of 29.61%. (as of last trading session)

  • Stock Returns vs Nifty Bank

    Stock generated -53.71% return as compared to Nifty Bank which gave investors 22.66% return over 3 year time period. (as of last trading session)

  • CHART
  • TABLE

  • 1D
  • 1W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 5Y

  • Choose from Peers

    Choose from Stocks

  NAME	1D	1W	1M	3M	1Y	3Y	5Y
  Bank of Baroda	-2.79	13.70	15.77	81.27	-24.96	-55.00	-41.89
  PNB	-1.39	1.58	-3.01	29.14	-43.95	-79.21	-60.98
  IDBI Bank	-2.45	-4.01	-26.17	-23.14	-16.48	-50.29	-46.17
  Canara Bank	-3.20	3.10	9.29	51.28	-40.03	-61.95	-25.02
  Union Bank India	-2.30	1.59	2.41	36.99	-39.45	-76.90	-71.73
  Add More

  All values in %

  Choose from Peers

  • IOB
  • Bank of India
  • UCO Bank
  • Indian Bank
  • Bank of Maha

  Choose from Stocks
• Ratio Performance

  • Stock Returns vs Nifty 100

    Stock gave a 3 year return of -53.71% as compared to Nifty 100 which gave a return of 29.61%. (as of last trading session)

  • Stock Returns vs Nifty Bank

    Stock generated -53.71% return as compared to Nifty Bank which gave investors 22.66% return over 3 year time period. (as of last trading session)

  NAME	P/E (x)	P/B (x)	ROE %	ROA %	Rev CAGR [3Yr]	OPM	NPM	NIM %	Cost to Income %	Interest income to Earning assets %	Net NPA %	Capital Adequacy Ratio %
  Bank of Baroda	101.40	0.44	1.21	0.07	20.01	-14.25	1.17	2.40	44.02	6.57	3.13	13.30
  PNB	-405.58	0.58	0.74	0.05	3.92	-16.43	0.79	2.10	41.90	6.44	5.78	14.14
  IDBI Bank	-6.34	0.92	-45.30	-4.26	-7.21	-83.81	-61.54	2.33	96.10	6.93	4.19	13.31
  Canara Bank	-11.72	0.52	-5.69	-0.26	7.60	-27.77	-3.99	1.88	45.10	6.71	4.22	13.65
  Union Bank India	-15.89	0.60	-10.16	-0.56	4.15	-23.55	-8.32	2.09	47.31	6.74	5.49	12.81
  Add More

  Annual Ratios (%)

  Choose from Peers

  • IOB
  • Bank of India
  • UCO Bank
  • Indian Bank
  • Bank of Maha

  Choose from Stocks

• QoQ Change
  Category	31 Dec 2020	30 Sep 2020	30 Jun 2020	31 Mar 2020
  Promoters	71.60	71.60	71.60	71.60
  Pledge	0.00	0.00	0.00	0.00
  FII	4.32	3.94	4.09	4.57
  DII	11.29	11.36	12.65	13.95
  Mutual Funds	6.47	7.08	8.79	10.01
  Others	12.79	13.10	11.66	9.88

• Total Shareholdings
  Category	No. of Shares	Percentage	% Change QoQ
  Promoters	3,30,81,84,689	71.60 %	0.00
  Pledge	0	0.00 %	0.00
  FII	19,96,97,440	4.32 %	0.38
  DII	52,18,55,978	11.29 %	-0.07
  MF	29,89,16,006	6.47 %	-0.61
  Others	59,08,28,479	12.79 %	-0.31

• HDFC Balanced Advantage Direct-G

  Hybrid: Dynamic Asset Allocation

  • 311.99

    Amount Invested (in Cr.)

  • 0.79%

    % of AUM

  • 0.00

    % Change (MoM basis)

• HDFC Equity Direct-G

  Equity: Multi Cap

  2

  • 286.58

    Amount Invested (in Cr.)

  • 1.32%

    % of AUM

  • 0.00

    % Change (MoM basis)

• ICICI Pru Value Discovery Direct-G

  Equity: Value Oriented

  3

  • 235.30

    Amount Invested (in Cr.)

  • 1.35%

    % of AUM

  • 0.00

    % Change (MoM basis)

• Futures
  • Expiry Month28-01-2021 (Current)25-02-2021 (Near)25-03-2021 (Far)

  Date	Price
  27-09-2020Current	72.20-3.15 (-4.18%)
  75.30 Open	77.25 High	72.00 Low
  75.35 Prev Close	14,513 Contracts Traded	48,675.10 Turnover (₹ Lakhs)

• Options
  • TypeCEPE
  • Expiry Month28-01-2021 (Current)25-02-2021 (Near)25-03-2021 (Far)
  • Strike Price30.031.032.033.034.035.036.037.038.039.040.041.042.043.044.045.046.047.048.049.050.051.052.053.054.055.056.057.058.059.060.061.062.063.064.065.066.067.068.069.070.071.072.073.074.075.076.077.078.079.080.081.082.083.084.085.086.087.088.089.090.0

  Date	Price
  27-09-2020Current	0.00-13.75 (-100.00%)
  0.00 Open	0.00 High	0.00 Low
  13.75 Close	0 Contracts Traded	0.00 Turnover (₹ Lakhs)

• Recent

  General Meeting

  -

  Nov 02, 2020

  Board Meeting

  Quarterly Results

  Oct 19, 2020

  Board Meeting

  Quarterly Results

  Aug 03, 2020

• Board Meetings

  Announced on	Meeting on
  Oct 19, 2020	Oct 29, 2020
  Quarterly Results
  Aug 03, 2020	Aug 10, 2020
  Quarterly Results
  Jun 15, 2020	Jun 23, 2020
  Audited Results
  Jan 08, 2020	Jan 24, 2020
  Quarterly Results
  Oct 23, 2019	Nov 08, 2019
  Quarterly Results

• Dividends

  Announced on	Ex-Date	Dividend%
  May 19, 2017	Jun 22, 2017	60%
  May 11, 2015	Jun 16, 2015	160%
  May 13, 2014	Jun 12, 2014	105%
  Jan 09, 2014	Jan 20, 2014	110%
  May 13, 2013	Jun 13, 2013	215%

• Bonus

  No Data Available

• Splits

  Announced on	Ex-Date
  Sep 27, 2014	Jan 22, 2015
  Split: Old FV10.0| New FV:2.0

• Rights

  No Data Available

• AGM/EGM Meetings

  Announced on	Meeting on
  Nov 02, 2020	Dec 23, 2020
  -
  Jul 08, 2020	Jul 31, 2020
  Book closure from Jul 24, 2020 to Jul 31, 2020
  Jun 03, 2019	Jun 27, 2019
  Book closure from Jun 20, 2019 to Jun 27, 2019
  May 23, 2019	Jun 10, 2019
  -
  Dec 26, 2018	Jan 21, 2019
  -

Bank of Baroda, incorporated in the year 1911, is a banking company (having a market cap of Rs 33753.24 Crore).Bank of Baroda key Products/Revenue Segments include Interest & Discount on Advances & Bills which contributed Rs 54115.77 Crore to Sales Value (71.22 % of Total Sales), Income From Investment which contributed Rs 18097.36 Crore to Sales Value (23.81 % of Total Sales), Interest which contributed Rs 2001.79 Crore to Sales Value (2.63 % of Total Sales) and Interest On Balances with RBI and Other Inter-Bank Funds which contributed Rs 1768.73 Crore to Sales Value (2.32 % of Total Sales)for the year ending 31-Mar-2020. The Bank has reported a Gross Non Performing Assets (Gross NPAs) of Rs .00 Crore (.00 % of total assets) and Net Non Performing Assets (Net NPAs) of Rs .00 Crore (.00% of total assets).For the quarter ended 30-09-2020, the company has reported a Consolidated Interest Income of Rs 13180.75 Crore, down -1.89 % from last quarter Interest Income of Rs 13434.27 Crore and down -7.40 % from last year same quarter Interest Income of Rs 14233.49 Crore. The bank has reported net profit after tax of Rs 1794.30 Crore in latest quarter.The bank’s top management includes Dr.Hasmukh Adhia, Mr.Vikramaditya Singh Khichi, Mr.Srinivasan Sridhar, Mr.Shanti Lal Jain, Mr.Sanjiv Chadha, Mr.Murali Ramaswam, Mr.Debashish Panda, Mr.Biju Varkkey, Mr.Bharatkumar D Dangar, Mr.Amit Agrawal, Mr.Ajay Kumar, Mrs.Soundara Kumar. It has Dass Gupta & Associates as its auditoRs As on 31-12-2020, the company has a total of 4,620,566,586 shares outstanding. Show More

Bank of Baroda share price moved down by -2.79% from its previous close of Rs 75.15. Bank of Baroda stock last traded price is 73.05

Bank of Baroda share price moved down by -2.99% from its previous close of Rs 75.20. Bank of Baroda stock last traded price is 72.95

DATA SOURCES: TickerPlant (for live BSE/NSE quotes service) and Dion Global Solutions Ltd. (for corporate data, historical price & volume, F&O data). Sensex & BSE Quotes and Nifty & NSE Quotes are real-time and licensed from BSE and NSE respectively. All timestamps are reflected in IST (Indian Standard Time).

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