banking · BANKBARODA
Bank of Baroda
Bank of Baroda: PE below historical average. NARROW LEADERSHIP regime.
Price
₹241.65
Price 2026-07-30
5 day
-1.95%
Short-term move
1 month
-11.29%
Medium-term
Regime
NARROW LEADERSHIP
62% confidence
Market cap
₹128.2k Cr
neutral sector flow
Market Intelligence Analyst
Understand today's market in about 2 minutes.
“How does today's NARROW LEADERSHIP regime affect Bank of Baroda (BANKBARODA) in the banking sector?”
Price chart
₹239
-3.85% over period
About Bank of Baroda
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.
At a Glance
RSI pattern warning
RSI oversold bounces for this stock succeeded only 0% of the time (avg -11.0% over 14 days) — not a reliable pattern.
52-week position
Trading at 74.2% of 52-week high
Technicals
RSI 14
39.4
Trend
downtrend
50 DMA
Below
200 DMA
Below
Key metrics
P/E ratio
6.5
43th pct · 7 quarterly points (limited history)
P/B
0.8
ROE
12.7%
Moderate profitability — 12.7% ROE
Market cap
₹128.2k Cr
Revenue growth
-760.0% YoY
Promoter
66.0%
52-week range
₹230.81 – ₹325.5
74.2% of high
RSI (14)
39.4
downtrend
vs 50 DMA
Below
DMA ₹260.95
Fundamental
69/100
ADEQUATE
Trust
90/100
Verification
Coverage
100/100
HIGH
Quick Take
Bank of Baroda scores 69/100 on fundamentals (adequate). Bank of Baroda: PE below historical average. NARROW LEADERSHIP regime.
Fundamental Score: 69/100 · ADEQUATE · 3 signals detected
DuPont Analysis
ROE 9.9% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 9.94% is modest leverage-driven and stable. Net margin 21.5%, asset turnover 0.04x, leverage 12.7x. High leverage amplifies returns but increases risk. Low asset turnover is normal for banks.
What This Means
Net margin of 21.5% means the company keeps ₹21.5 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.04x means the company generates ₹0.04 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 12.7x means the company uses significant debt. Higher leverage amplifies returns but also risk.
Margin Structure
Gross
100.0%
Operating
%
Net
21.5%
Financial Health
Peer comparison
| Stock | Price | 5D | P/E | ROE | Rev growth | Mcap |
|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank | ₹753.95 | +0.9% | 18.5 | 13.8% | -180% | ₹12.8L Cr |
| ICICIBANK ICICI Bank | ₹1,433.9 | -0.1% | 18.9 | 16.4% | 6690% | ₹10.1L Cr |
| AXISBANK Axis Bank | ₹1,228.9 | +0.5% | 15.9 | 13.2% | -1100% | ₹4.2L Cr |
| CANBK Canara Bank | ₹124.28 | -0.8% | 5.8 | 15.9% | -4670% | ₹1.1L Cr |
| FEDERALBNK Federal Bank | ₹354.15 | -0.1% | 19 | 11.7% | 1230% | ₹81.8k Cr |
| AUBANK AU Small Finance Bank | ₹1,029.7 | +5.3% | 30.5 | N/A | 3710% | ₹79.8k Cr |
| BANKINDIA Bank of India | ₹137.22 | -3.5% | 6 | 12.1% | 1010% | ₹64.8k Cr |
| BANDHANBNK Bandhan Bank | ₹172.72 | +4.2% | 27 | 4.9% | 11930% | ₹33.0k Cr |
| BANKBARODA Bank of Baroda | ₹241.65 | -0.6% | 6.5 | 12.7% | -760% | ₹1.3L Cr |
Bank Metrics
Return on Assets
0.78%
Benchmark: >1%
Efficiency Ratio
78.5%
Lower is better
Asset Growth
+12.9%
Year over year
PB Ratio
0.8x
Price to book
ROA of 0.78% is adequate (benchmark: >1% for banks). P/B of 0.77x — trading below book. Market pricing below book value — potential value opportunity or asset quality concern.
Key Watchpoints
Breaks above ₹254 (+5%)
Trend reversal confirmation
Breaks below ₹230 (-5%)
Further downside risk
PE reverts to median of 6.5 (7 quarterly points (limited history))
Valuation normalization
Banking sector entering leadership
Sector rotation signal
Detected Patterns
Risk Flags
Elevated risk score. Review audit, board, and shareholder rights metrics.
Potential accounting concerns. Cross-check with earnings quality flags.
Governance structure concerns. Independent director representation may be weak.
Profits are from core operations, not one-offs. High quality.
Strong insider alignment. Promoters have significant skin in the game.
⚠️ 3 warning flags — monitor closely.
Data Quality
News Correlation
50 articles scanned for fundamental themes
