banking

Bank of Baroda

BANKBARODA · Nifty 50

₹281.85

Price 2026-06-17

BROAD EXPANSION73% confidence

At a Glance

Sector Positionbanking sector. Flow: neutral. is not among current leaders. Regime: BROAD EXPANSION (73%).

Fundamental Score87/100 (STRONG). 2 positive flags, 3 concerns.

Historical Context192 similar technical setups. Average outcome: -10.9% decline. 0% positive.

Bank HealthROA 0.96% · PB 0.9 · Asset growth 12.9%.

Fundamental

87/100

STRONG

Trust

90/100

Verification

Coverage

44/100

LIMITED

Quick Take

Bank of Baroda scores 87/100 on fundamentals (strong). Bank of Baroda: BROAD EXPANSION regime.

Fundamental Score: 87/100 · STRONG · 3 signals detected

DuPont Analysis

ROE 12.1% broken into three drivers. Each shows how efficiently the company generates returns.

ROE12.1%=

26.4%Net Margin

0.0xTurnover

12.7xLeverage

ROE of 12.13% is moderate leverage-driven and stable. Net margin of 26.4% × asset turnover of 0.04x × leverage of 12.7x. High leverage amplifies returns but increases risk. Low asset turnover is normal for banks.

What This Means

Net margin of 26.4% means the company keeps ₹26.4 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

26.4%

improving

Financial Health

Peer Comparison

Bank of Baroda is compared against 10 peers in the banking sector.

AUBANK AXISBANK BANDHANBNK BANKINDIA CANBK FEDERALBNK HDFCBANK ICICIBANK IDFCFIRSTB INDIANB

Bank Metrics

Return on Assets

0.96%

Benchmark: >1%

Efficiency Ratio

73.6%

Lower is better

Asset Growth

+12.9%

Year over year

PB Ratio

0.9x

Price to book

ROA of 0.96% is adequate (benchmark: >1% for banks). Adequate but room for improvement. P/B of 0.86x — trading below book. Market pricing below book value — potential value opportunity or asset quality concern.

Key Watchpoints

🟢

Breaks above ₹296 (+5%)

Trend reversal confirmation

🔴

Breaks below ₹268 (-5%)

Further downside risk

🟢

Banking sector entering leadership

Sector rotation signal

Detected Patterns

➡️ Leverage Slowly Rising: Debt growing faster (46.8%) than equity (13.2%)

✅ Strong Loan Book Growth: Assets growing 12.9% — loan book expansion

➡️ Trading Below Book Value: P/B of 0.86 — market pricing below book. Could be value or signal of asset quality concerns.

Risk Flags

🔴 1 Critical⚠️ 2 Warning✅ 2 Positive5 total flags

🔴Overall governance risk: 9/10

Governance

Elevated risk score. Review audit, board, and shareholder rights metrics.

⚠️Audit risk elevated: 10/10

Governance

Potential accounting concerns. Cross-check with earnings quality flags.

⚠️Board risk elevated: 9/10

Governance

Governance structure concerns. Independent director representation may be weak.

✅Minimal unusual items — clean earnings

Earnings Quality

Profits are from core operations, not one-offs. High quality.

✅High promoter holding: 66%

Governance

Strong insider alignment. Promoters have significant skin in the game.

⚠️ 1 critical + 2 warning flags. Exercise caution.

Data Quality

90/100All ratios self-computed from verified sources. Multi-year data.

News Correlation

margin pressure (4)management outlook (4)

⚠️ Our margin analysis (improving) contradicts news reports of margin pressure — investigate

50 articles scanned for fundamental themes

Facts

P/E Ratio

7.2UNAVAILABLE

P/B Ratio

0.9HIGH

Market Cap

₹14208317.5L CrHIGH

From 52W High

87% of high

Sector Peers

← All Stocks Market GPS Daily Brief banking Sector