Bank of Baroda Ltd
Ticker: BANKBARODA
Decent
72/100
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Investing Reference
Price
268.40
Market Cap
138799.36
Debt/Equity
0.0000
ROE %
15.432
PB
0.9394
Promoter %
63.971
Pledge %
0.000
1Y Rev Growth %
7.833
5Y Rev Growth %
10.913
NP Margin %
13.550
NP Margin 5Y Avg %
10.185
Trading Reference
1M Return %
11.029
6M Return %
14.237
1Y Return %
10.086
% Away 52W High
1.360
% Away 52W Low
40.745
Daily Volume
8534350
Investment Verdict
Buy
Score 91/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Momentum
Score 80/100 · Position size: 20%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Bank of Baroda Ltd is likely to experience moderate upside potential in the medium-term, supported by recent price action holding above key support levels and positive momentum indicated by EMAs. However, resistance levels may limit significant gains.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Bank of Baroda Ltd is a leading public sector bank in India, catering to a diverse clientele including individuals, businesses, and government entities. With a rich heritage and extensive network, it plays a crucial role in the financial ecosystem. The bank is committed to providing innovative banking solutions and enhancing customer experience. Its strong financial performance and robust risk management practices make it a trusted choice for banking needs.
- Established in 1908 with a strong legacy
- Wide range of banking products and services
- Extensive branch and ATM network across India
- Focus on digital banking and innovation
- Strong capital base and financial stability
Investment Thesis
Bank of Baroda stands out as a compelling investment due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to its peers. These factors position the bank for sustained growth and profitability in the evolving banking landscape.
- Strong backing from the Government of India enhances credibility and stability.
- Significant investments in digital banking are driving customer acquisition and retention.
- Valuation metrics indicate Bank of Baroda is undervalued compared to industry peers.
- Focus on retail and MSME segments aligns with India's economic growth trajectory.
- Strong asset quality and prudent risk management bolster investor confidence.
Opportunity vs Risk
Opportunities
- Strong government support for banks
- Expanding digital banking services
- Growing retail loan demand
- Improving asset quality
- Potential for higher dividends
Risks ⚠️
- Economic slowdown impacts loan growth
- Rising NPAs in the sector
- Regulatory changes affecting operations
- Intense competition from private banks
- Global economic uncertainties
Peer Perspective
Bank of Baroda Ltd trades at a discount to peers like State Bank of India and HDFC Bank, with potential for rerating contingent on sustained margin stability and improved asset quality.
Future Outlook
Bank of Baroda Ltd is well-positioned for growth, driven by strategic initiatives and an expanding retail segment. Successful execution of cost control measures will be crucial to maximize profitability and shareholder value.
AI FAQs for Retail Users
- Q: What does Bank of Baroda do?A: Bank of Baroda is a public sector bank offering various financial services including loans, deposits, and investment products.
- Q: Is Bank of Baroda a good investment?A: Investment decisions should be based on individual financial goals and market research. Consult a financial advisor for personalized advice.
- Q: What are the risks of investing in Bank of Baroda?A: Risks include market fluctuations, economic conditions, and regulatory changes that may impact bank performance.
- Q: How can I buy Bank of Baroda shares?A: You can buy shares through a brokerage account or trading platform that offers access to the stock market.
- Q: What is the dividend policy of Bank of Baroda?A: Bank of Baroda has a policy of paying dividends, but the amount and frequency can vary based on profitability.
📊 Stock Investment Checklist (100 Points)
Bank of Baroda Ltd • Updated: 2025-09-16 19:50:19
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10BusinessHighThe banking sector is evolving with digital transformation, but competition is intense.
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10GrowthHighRevenue and profit growth have shown consistency, but growth rates are moderate.
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10ProfitabilityHighROE and ROCE are acceptable, but OCF is fluctuating.
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10ValuationHighValuation metrics are in line with peers, but not compelling.
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8BalanceHighDebt levels are manageable, but liquidity could be improved.
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7GovernanceHighPromoter holding is stable, but there are concerns about disclosures.
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6DriversGoodGrowth drivers exist, but execution risks are notable.
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4TechnicalsGoodMarket sentiment is mixed, with low liquidity.
Final Score & Verdict
Score 72 / 100
• Decent
Bank of Baroda shows decent potential with moderate growth and profitability metrics, but faces challenges in execution and market sentiment.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100