banking

Bank of India

BANKINDIA · Nifty 50

₹147.14

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). 3 positive flags, 3 concerns.

Historical Context45 similar technical setups. Average outcome: -8.8% decline. 0% positive.

Bank HealthROA 0.88% · PB 0.7 · Asset growth 11.7%.

Fundamental

87/100

STRONG

Trust

90/100

Verification

Coverage

44/100

LIMITED

Quick Take

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

Fundamental Score: 87/100 · STRONG · 2 signals detected

DuPont Analysis

ROE 11.5% broken into three drivers. Each shows how efficiently the company generates returns.

ROE11.5%=

28.0%Net Margin

0.0xTurnover

13.1xLeverage

ROE of 11.49% is moderate leverage-driven and stable. Net margin of 28.0% × asset turnover of 0.03x × leverage of 13.1x. High leverage amplifies returns but increases risk. Low asset turnover is normal for banks.

What This Means

Net margin of 28.0% means the company keeps ₹28.0 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.03x means the company generates ₹0.03 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 13.1x means the company uses significant debt. Higher leverage amplifies returns but also risk.

Margin Structure

Gross

100.0%

Operating

Net

28.0%

declining

Financial Health

Peer Comparison

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

AUBANK AXISBANK BANDHANBNK BANKBARODA CANBK FEDERALBNK HDFCBANK ICICIBANK IDFCFIRSTB INDIANB

Bank Metrics

Return on Assets

0.88%

Benchmark: >1%

Efficiency Ratio

72.0%

Lower is better

Asset Growth

+11.7%

Year over year

PB Ratio

0.7x

Price to book

ROA of 0.88% is adequate (benchmark: >1% for banks). Adequate but room for improvement. P/B of 0.74x — trading below book. Market pricing below book value — potential value opportunity or asset quality concern.

Key Watchpoints

🟢

Breaks above ₹154 (+5%)

Trend reversal confirmation

🔴

Breaks below ₹140 (-5%)

Further downside risk

🟢

Banking sector entering leadership

Sector rotation signal

Detected Patterns

✅ Strong Loan Book Growth: Assets growing 11.7% — loan book expansion

➡️ Trading Below Book Value: P/B of 0.74 — market pricing below book. Could be value or signal of asset quality concerns.

Risk Flags

🔴 1 Critical⚠️ 2 Warning✅ 3 Positive6 total flags

🔴Operating cash flow significantly below net income

Cash Flow

OCF is only 0.5x net income. Profit not converting to cash — aggressive accounting possible.

⚠️Non-core revenue is 12% of total

Earnings Quality

Significant income from non-operating sources. Core business may be smaller than it appears.

⚠️Working capital changes are 315% of operating cash flow

Cash Flow

Working capital is consuming significant cash. Operational efficiency declining.

✅Minimal unusual items — clean earnings

Earnings Quality

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

✅Assets relatively new (33% depreciated)

Balance Sheet

Modern asset base. Lower near-term capex requirements.

✅High promoter holding: 73%

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 (declining) matches news reports of cost/margin pressure

50 articles scanned for fundamental themes

Facts

P/E Ratio

6.1UNAVAILABLE

P/B Ratio

0.7HIGH

Market Cap

₹6632325.8L CrHIGH

From 52W High

82% of high

Sector Peers

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