Fundamentals scanner
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
Financial ServicesBullish- Market cap
- ₹1,28,364 Cr
- P/E
- 7.1x
- ROE
- 11.3%
- Debt / equity
- —
What the company does
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.
Valuation — what you are paying
How the price compares to earnings, assets and cash generation.
- P/E (trailing)7.1xStrong
You are paying 7.1 years of current profit for each share. The earnings yield is 14.1%.
- P/B (price to book)0.8xStrong
The market values the company at 0.8× its accounting net worth. High is normal for asset-light businesses and unusual for banks.
- EV / EBITDA—No data
Not available.
- Dividend yield3.42%Strong
Pays 3.42% of the current price out each year. Remember that yield rises when price falls — check the dividend is covered by cash flow.
Profitability — is this a good business?
Returns on capital and margins, the numerical shadow of a moat.
- Return on equity11.3%Fair
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.
- Return on assets0.9%Weak
ROE and ROA are reasonably close, so the returns come largely from the business itself rather than from borrowing.
- Operating margin45.5%Strong
Keeps ₹45.5 of operating profit from every ₹100 of sales. Compare only against companies in the same industry.
- Net margin27.4%Strong
Sustained high net margins are evidence that something is stopping competitors from competing the profits away.
Financial strength — can it survive a bad year?
Leverage and liquidity. This is where fragility shows up first.
- Debt to equity—No data
Not available.
- Current ratio—No data
Not available.
- Total debt₹1,73,286 CrNo data
Against cash of ₹50665.14 Cr. Net debt is what matters, not gross borrowings.
- Free cash flow—No data
Not available.
Growth — is it getting bigger?
Revenue and earnings momentum, and how the two compare.
- Revenue growth (yoy)+18.0%Strong
Ask where the growth came from: more volume, higher prices, or an acquisition. They are very different in quality.
- Earnings growth (yoy)-48.6%Weak
Profits are growing slower than sales, meaning margins are compressing. The company may be buying its growth.
- Revenue (TTM)₹66297.90 CrNo data
EBITDA of — and operating cash flow of —.
- PEG ratio—No data
Not available.
Financial statements
Reported figures, most recent year first. All values in rupees.
| FY2026 | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Revenue | ₹63439.30 Cr | ₹62306.00 Cr | ₹59216.90 Cr | ₹51381.85 Cr |
| Cost of revenue | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Gross profit | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Operating expenses | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Operating income | — | — | — | — |
| Interest expense | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Net profit | ₹20021.06 Cr | ₹19581.00 Cr | ₹17788.78 Cr | ₹14109.62 Cr |