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Every ratio from the Fundamental Analysis track, computed on a real company and annotated with what the number actually means. Then the three financial statements, so you can do the cash-flow check yourself.
Bank of Baroda Limited provides various banking products and services to individuals, government departments, and corporate customers in India and internationally. It operates through Treasury, Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers savings, salary, and current accounts; and fixed and recurring deposits. It also provides loans, including home, vehicle, digital, personal, education, gold, mortgage, and other loans, as well as Baroda Yoddha loans for defense personnel and fintech credit; loans and advances for corporate, agriculture, and micro, small, and medium enterprises; export finance, foreign currency credits, foreign currency non-resident loans, treasury, external commercial borrowing, and import finance; and supply chain finance. In addition, the company offers life insurance, general insurance, and standalone health insurance products; digital payment, instant banking, and merchant payment solutions; debit, credit, and prepaid cards; investment products; trade, FX, and remittances; and other services. Bank of Baroda Limited was incorporated in 1908 and is headquartered in Vadodara, India.
How the price compares to earnings, assets and cash generation.
You are paying 6.6 years of current profit for each share. The earnings yield is 15.2%. The tracked Banking & Finance median is 20.4× (n=15), so this trades cheaper than its peers.
The market values the company at 0.7× its accounting net worth. High is normal for asset-light businesses and unusual for banks.
Not available.
Pays 3.69% of the current price out each year. Remember that yield rises when price falls — check the dividend is covered by cash flow.
Based on the next-year earnings estimate — 5.4× against 6.6× trailing. A forward P/E well below trailing is pricing in an earnings jump; treat the forecast with caution.
You pay 1.8× annual sales. Useful when earnings are depressed or negative and P/E breaks down — but a high multiple needs high margins to justify it.
Returns on capital and margins, the numerical shadow of a moat.
Earns ₹11.3 of profit a year for every ₹100 of shareholders' money. Always check how much of this comes from leverage rather than the business.
ROE and ROA are reasonably close, so the returns come largely from the business itself rather than from borrowing.
Keeps ₹45.5 of operating profit from every ₹100 of sales. Compare only against companies in the same industry.
Sustained high net margins are evidence that something is stopping competitors from competing the profits away.
Keeps ₹0.0 of gross profit per ₹100 of sales, before operating costs. A high, stable gross margin is the clearest single sign of pricing power.
Leverage and liquidity. This is where fragility shows up first.
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Against cash of ₹50665.14 Cr. Net debt is what matters, not gross borrowings.
Not available.
Revenue and earnings momentum, and how the two compare.
Ask where the growth came from: more volume, higher prices, or an acquisition. They are very different in quality.
Profits are growing slower than sales, meaning margins are compressing. The company may be buying its growth.
EBITDA of — and operating cash flow of —.
Not available.
The figures quoted per share, and how much profit is handed back to owners.
₹35.15 of profit earned per share over the last twelve months. Price divided by this is the trailing P/E.
The accounting net worth behind each share is ₹325.98; price-to-book compares the market price with this.
Pays out 24% of profit as dividends and retains the rest. Above roughly 85% leaves little to reinvest and is hard to sustain through a weak year.
Market cap plus net debt — closer to what an acquirer actually pays. Against a market cap of ₹1,19,365 Cr.
Return on equity splits into three drivers. The identical ROE can be a genuinely great business or a heavily borrowed ordinary one.
Leverage is doing much of the work here — a high ROE built on borrowing is more fragile than the same ROE earned from margins or turnover.
Nine yes/no tests of profitability, funding and efficiency across the last two years; higher is stronger. A test is dropped only where the data is missing, so the score is out of 7.
Reported figures, most recent year first. All values in rupees.
| FY2026 | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Revenue | ₹74870.21 Cr | ₹74546.64 Cr | ₹67901.27 Cr | ₹55791.06 Cr |
| Cost of revenue | — | — | — | — |
| Gross profit | — | — | — | — |
| Operating expenses | ₹42388.89 Cr | ₹40993.97 Cr | ₹39901.04 Cr | ₹33420.22 Cr |
| Operating income | — | — | — | — |
| Interest expense | ₹81859.93 Cr | ₹78264.92 Cr | ₹69899.08 Cr | ₹49942.17 Cr |
| Pre-tax income | ₹25537.79 Cr | ₹28024.87 Cr | ₹26258.58 Cr | ₹20881.89 Cr |
| Tax | ₹5467.53 Cr | ₹7159.61 Cr | ₹7389.71 Cr | ₹5876.67 Cr |
| Net profit | ₹19846.43 Cr | ₹20716.33 Cr | ₹18767.38 Cr | ₹14905.20 Cr |