BANKBARODA · Bank of Baroda · Regional Banks
BANKBARODA · Bank of Baroda · Regional Banks
As of 05 Nov close
52-week range
23.3% below 52-week high
52-week range: as of 05 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 52 days old
Revenue (latest Q)
₹20,016 Cr
Revenue YoY
PAT YoY
-48.6%
Operating margin
Revenue, last 8 quarters
Source: Yahoo Finance, as of 30 Jun 2026
P/E (TTM)
P/B
0.7
P/S (TTM)
1.6
Sector P/E
10.2
Dividend yield
+3.6%
Source: Yahoo Finance, as of 29 Oct 2026
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| BANKBARODA (this stock) | 7.8 | 0.7 | +27.4% | +11.3% | 1.03 | +3.6% |
| HDFC Bank | 15.5 | 1.8 | +25.6% | +13.7% | 0.93 | +1.8% |
| ICICI Bank | 17.5 | 2.6 | +25.9% | +16.0% | 0.59 | +0.9% |
| State Bank of India | 11 | 1.4 | +21.4% | +15.4% | 1.32 | +1.8% |
Promoter
stable
FII
rising 1q
MF
9.78% (-0.68pp)
falling 1q
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
- lowlivemint.com· 04 Nov 2026, 11:30 pmHome loan interest rates for Diwali 2026: Planning to buy a house? Check rates starting at 7.25% across major banks
- mediumcorporate actionbusiness-standard.com· 04 Nov 2026, 10:32 pmBanks' Q2 net profit tops ₹1.16 trillion, rises 20% on strong earnings
- highthehindubusinessline.com· 02 Nov 2026, 05:30 pmReliance fuels Nifty’s best single-day jump in months; Sensex reclaims 75,600
- highpromoter legalbusiness-standard.com· 02 Nov 2026, 01:31 pmSpandana Sphoorty reports ₹7.8 crore cyber fraud involving 82 accounts
- lowlivemint.com· 02 Nov 2026, 01:24 pmPM Surya Ghar Muft Bijli Yojana: How to get 300 units free electricity and up to ₹78,000 rooftop solar subsidy
- mediumbusiness-standard.com· 02 Nov 2026, 12:58 pmBank of Baroda gains 5% on record profit in Q2; here's what brokerages say
- unknowneconomictimes.indiatimes.com· 02 Nov 2026, 06:00 amStocks in news: Reliance Industries, Jio Platforms, M&M, CDSL, ITC, NTPC, IOCL and Hero MotoCorp
- unknownbusiness-standard.com· 01 Nov 2026, 10:29 pmBank of Baroda to put MDR proceeds back into UPI ecosystem: MD & CEO
- unknownbusiness-standard.com· 01 Nov 2026, 10:19 pmTime to revisit Narasimham report
- unknownthehindubusinessline.com· 01 Nov 2026, 09:07 pmRate hikes unlikely to push bond yields much higher: businessline poll
- unknownbusiness-standard.com· 01 Nov 2026, 05:58 pmCyber insurance claims surge past ₹150 crore, premium rates remain soft
- unknownlivemint.com· 01 Nov 2026, 04:24 pmBengaluru Metro disruption: Passenger enters tracks at Indiranagar station; here's what happened
- unknowneconomictimes.indiatimes.com· 31 Oct 2026, 09:59 amBank of Baroda's Q2 profit surges 36% YoY on NSE stake sale
- unknowneconomictimes.indiatimes.com· 31 Oct 2026, 09:34 amUp to Rs 5.52 lakh interest on Rs 10 lakh investment: 5-year senior citizen FDs offering up to 8.50% rates
- unknowneconomictimes.indiatimes.com· 30 Oct 2026, 09:32 pmBank of Baroda Q2 profit jumps 36% to Rs 6,532 crore on NSE stake sale
- unknownthehindubusinessline.com· 30 Oct 2026, 08:51 pmBank of Baroda logs highest quarterly net profit at ₹6,532 cr in Q2FY27
- unknowntimesofindia.indiatimes.com· 30 Oct 2026, 08:32 pmBank of Baroda net profit up 36% to Rs 6532 crore
- unknowneconomictimes.indiatimes.com· 30 Oct 2026, 05:19 pmBank of Baroda Q2 Results: Standalone profit jumps 36% YoY to Rs 6,532 crore; NII up 9
- lowthehindubusinessline.com· 30 Oct 2026, 09:02 amQ2 Results 30th Oct Live: Reliance, Jio Platforms, Sun Pharma, Dixon, BEL, IOC, BoB, GAIL, GE Vernova, Lodha, Max Health, Delhivery, Aether, NTPC Green to announce Q2 results, Coal India, Trent, IndiG
- lowbusiness-standard.com· 29 Oct 2026, 11:05 pmRaw material costs continue to squeeze corporate margins in Q2FY27
Concalls & investor presentations
AI-generatedKey takeaway: The earnings call for Bank of Baroda on May 8, 2026, highlighted significant financial achievements for Q4 FY 2025-26. The bank reported a global business volume of Rs. 30.78 lakh crores, marking a 13.9% year-on-year growth. Global advances increased by 16.2%, with domestic advances growing at 14.5%. The bank's net profit for Q4 reached Rs. 5,616 crores, the highest quarterly profit in its history, reflecting an 11.2% increase year-on-year. Operating profit also rose to Rs. 9,069 crores, up 11.5% YoY. The bank's asset quality remained strong, with a GNPA ratio of 1.89% and a net NPA ratio of 0.45%. Management noted a focus on RAM (Retail, Agriculture, MSME) advances, with retail loans growing by 17.9%. The bank declared a dividend of Rs. 8.5 per share and provided guidance for loan growth of 12-14% and deposit growth of 10-12% for the upcoming year. The call concluded with a Q&A session addressing various operational and strategic queries.
Management emphasized strong financial performance and growth across key metrics.
Sourced from an exchange-filed transcript, dated 14 May 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedBank of Baroda reported a net worth increase to ₹1,30,177.24 crore in FY 2026, up from ₹1,15,457.35 crore in FY 2025, with a book value per share rising to ₹251.73. The Capital Adequacy Ratio (CAR) decreased to 15.82% as of March 31, 2026, down from 17.19% in FY 2025, while the CET-1 ratio stood at 13.16% in FY 2026 compared to 13.78% in FY 2025. The Bank received multiple awards for AI and technology adoption and has implemented advanced recovery mechanisms for non-performing assets (NPAs), including specialized branches and digital tools. The Bank’s corporate credit portfolio grew by 11.2% YoY to ₹4,56,584 crore. The Bank has a strong focus on digital transformation, governance, and compliance, with no material regulatory penalties or defaults noted. The auditor did not identify any material misstatements, and the Bank’s financial statements are free from material misstatement.
- Net worth increased to ₹1,30,177.24 crore in FY 2026, up from ₹1,15,457.35 crore in FY 2025.
- Capital Adequacy Ratio (CAR) decreased to 15.82% as of March 31, 2026, down from 17.19% in FY 2025.
- Received awards for AI & ML adoption, IT risk management, and tech talent.
- Corporate credit portfolio grew by 11.2% YoY to ₹4,56,584 crore.
- Implemented advanced recovery mechanisms for NPAs, including specialized branches and digital tools.
Key takeaway: Bank of Baroda reported strong net worth growth and received recognition for technological innovation, but experienced a decline in key capital adequacy ratios, which may warrant further scrutiny.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Auditor Qualification (1 item); Regulatory Action (5 items); Default / Covenant Breach (1 item); Investigation or enforcement mention (2 items)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Auditor Qualification
1 occurrenceEarlier (1-3 years ago)
The auditor notes a matter regarding the amortization of additional liability due to a revision in family pension amounting to ₹1,454.41 crores. The Bank has charged ₹20.88 crores to the Profit and Loss Account for the financial year ended March 31, 2025, with the unamortized balance of ₹20.8 crores carried forward under RBI Circular No. RBI/2021-22/105 DOR.ACC.REC.57/21.04.018/2021-22 dated October 4, 2021.
Regulatory Action
5 occurrencesRecent (last 12 months)
The company has disclosed penalties imposed by RBI in the regulatory action category, but the specific amounts or cases are not detailed in the provided excerpt.
Earlier (1-3 years ago)
The company has been imposed penalties by RBI under various provisions, including the Banking Regulation Act, 1949, Payment and Settlement Act, 2007, and Government Securities Act, 2006, though the specific amounts and details are not mentioned.
The RBI had material supervisory concerns in Oct 2023 regarding customer onboarding via the Bank's mobile app, which were addressed through process revamp and disciplinary actions. RBI lifted restrictions on onboarding via 'bob World' in May 2024.
Older (3+ years ago)
The company did not comply with SEBI Regulation 29(2) by failing to give prior intimation to stock exchanges about a board meeting on June 27, 2022, where a fund-raising proposal was approved. Additionally, it did not comply with SEBI Regulation 3(5) & 3(6) regarding maintaining a structured digital database for insider trading information.
Directorate of Enforcement imposed a penalty of Rs.5.00 crore on Bank of Baroda under FEMA 1999 for allowing remittance of CCD interest proceeds to M/s. Amrapali Silicon City Pvt. Ltd. Additionally, RBI imposed a penalty of Rs.2.00 crore for non-compliance with directions on advances to M/s Infrastructure Leasing and Financial Services Ltd and its group companies.
Default / Covenant Breach
1 occurrenceEarlier (1-3 years ago)
The excerpt mentions cases where the individual or entities listed are in default or have been in default in the past 10 years regarding credit facilities obtained from banks, NBFCs, or other lending institutions.
Investigation or enforcement mention
2 occurrencesRecent (last 12 months)
The company is addressing a cyber threat incident by revamping its security architecture and conducting a forensic audit. The incident involved a data exposure, with a small portion of customer data potentially available in the public domain.
The company reclassified borrower accounts aggregating to ₹1595.46 Crore from fraud to non-fraud during the year, following a Supreme Court judgment dated 23rd March 2023. Additionally, ₹281.65 Crore in borrower accounts were identified as Red Flagged Accounts (RFA) but remained pending classification as fraud beyond regulatory timelines.
Routine disclosures
Contingent Liability
5 occurrencesRecent (last 12 months)
The company has foreign currency transactions involving contingent liabilities, which are translated at closing spot rates notified by FEDAI at each reporting date.
Earlier (1-3 years ago)
The company has contingent liabilities dependent on court judgments, arbitration awards, or settlements, with amounts called up and terms of contractual obligations, and no reimbursement is expected in such cases.
The company has contingent liabilities related to partly paid investments, including Rs 15.28 Cr for Central Ware Housing Corporation and IL & FS Infrastructure debt fund.
Older (3+ years ago)
The company reports contingent liabilities related to derivative contracts denominated in foreign currencies, valued at closing exchange rates notified by FEDAI as of the Balance Sheet date.
The company has contingent liabilities including bills for collection, which are listed under the contingent liabilities section of the financial statements.
Promoter Share Pledge
1 occurrenceRecent (last 12 months)
1.03% of promoter holding pledged (quarter 2026-Q3 as of 2026-07-18).