BANKBARODA

Bank of Baroda

Large public-sector bank — retail, agriculture, MSME, corporate and international banking

Financial Services›Financial Services›Banks›Public Sector Bank

bankofbaroda.bank.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹230.40
Market cap
1,19,093 Cr
Stock P/E
6.6
P/B
0.72
Dividend yield
3.6%
ROE (FY26)
12.4%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Bank of Baroda is a government-owned public-sector bank that lends to and takes deposits from individuals, farmers, small businesses and companies, in India and overseas; its global business was ₹30.5 lakh crore at the end of Q1 FY27 (June 2026 quarter).

Company snapshot

4thBy market cap

Ranked among 12 companies in Public Sector Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 38.8% of revenue

SegmentRevenue shareRevenuePBTAssets
Other Banking Operations
0.3%
347 Cr347 Cr—
Retail Banking - (i) Digital Banking
0.0%
0.84 Cr-11 Cr—
Retail Banking - (ii) Other Retail Banking
38.8%
39,685 Cr6,099 Cr—
Treasury Operations
23.0%
23,545 Cr4,606 Cr—
Wholesale Banking
37.8%
38,659 Cr13,456 Cr—

What we see

Positives
  • ✓Cash flow from operations is higher than reported profit — earnings quality looks solid.

Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income11,735 Cr12,040 Cr12,763 Cr12,561 Cr12,621 Cr12,427 Cr12,072 Cr12,560 Cr13,127 Cr13,014 Cr13,738 Cr13,813 Cr
Other income6,503 Cr5,042 Cr6,538 Cr4,658 Cr7,568 Cr5,163 Cr7,551 Cr5,538 Cr5,116 Cr6,399 Cr5,474 Cr6,202 Cr
Net operating income18,238 Cr17,082 Cr19,302 Cr17,218 Cr20,189 Cr17,589 Cr19,623 Cr18,098 Cr18,243 Cr19,413 Cr19,212 Cr20,016 Cr
Employee cost3,973 Cr4,100 Cr4,864 Cr4,304 Cr4,352 Cr4,521 Cr4,733 Cr4,672 Cr4,412 Cr4,489 Cr3,636 Cr4,611 Cr
Other expenses4,458 Cr4,553 Cr4,628 Cr4,133 Cr4,631 Cr4,637 Cr5,410 Cr4,840 Cr5,338 Cr5,272 Cr6,058 Cr4,820 Cr
Provisions & contingencies3,785 Cr1,903 Cr2,777 Cr2,442 Cr3,773 Cr1,497 Cr2,568 Cr3,416 Cr1,798 Cr2,628 Cr3,461 Cr2,698 Cr
Depreciation————————————
Profit before tax6,023 Cr6,526 Cr7,033 Cr6,340 Cr7,434 Cr6,935 Cr6,911 Cr5,170 Cr6,695 Cr7,024 Cr6,057 Cr2,206 Cr
Tax %27.9%27.2%28.7%27.7%26.6%26.2%23.2%35.2%24.3%23.0%6.7%28.7%
Net profit4,426 Cr4,815 Cr5,160 Cr4,764 Cr5,405 Cr5,250 Cr5,447 Cr3,517 Cr5,181 Cr5,501 Cr5,648 Cr1,839 Cr
EPS (₹)₹8.50₹9.26₹9.92₹9.14₹10.36₹10.08₹10.48₹6.71₹9.93₹10.53₹11.22₹3.45

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income14,878 Cr16,896 Cr20,401 Cr28,855 Cr31,113 Cr34,570 Cr44,196 Cr48,480 Cr49,680 Cr52,438 CrSign in free for the trailing twelve months
Other income7,937 Cr7,992 Cr7,887 Cr12,191 Cr14,687 Cr14,395 Cr16,639 Cr23,399 Cr24,939 Cr22,527 CrSign in free for the trailing twelve months
Net operating income22,815 Cr24,888 Cr28,288 Cr41,046 Cr45,800 Cr48,965 Cr60,836 Cr71,880 Cr74,619 Cr74,966 CrSign in free for the trailing twelve months
Employee cost——5,434 Cr9,279 Cr11,993 Cr12,644 Cr14,343 Cr16,967 Cr17,910 Cr17,209 CrSign in free for the trailing twelve months
Other expenses——7,335 Cr11,297 Cr11,124 Cr12,195 Cr16,302 Cr17,370 Cr18,810 Cr21,509 CrSign in free for the trailing twelve months
Provisions & contingencies9,440 Cr15,667 Cr13,994 Cr21,704 Cr16,309 Cr14,118 Cr9,627 Cr11,743 Cr10,280 Cr11,303 CrSign in free for the trailing twelve months
Depreciation——————————Sign in free for the trailing twelve months
Profit before tax3,102 Cr-2,029 Cr1,525 Cr-1,234 Cr6,373 Cr10,008 Cr20,565 Cr25,799 Cr27,619 Cr24,945 CrSign in free for the trailing twelve months
Tax %40.2%9.5%28.7%176.4%77.2%23.1%28.6%28.6%25.9%21.9%Sign in free for the trailing twelve months
Net profit1,855 Cr-1,836 Cr1,166 Cr981 Cr1,620 Cr7,933 Cr15,005 Cr18,869 Cr20,865 Cr19,477 CrSign in free for the trailing twelve months
EPS (₹)₹7.88₹-8.17₹4.16₹1.74₹3.32₹15.18₹28.82₹36.29₹40.06₹38.38Sign in free for the trailing twelve months
Dividend payout %————0.0%0.0%9.8%15.1%18.8%22.2%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital462 Cr530 Cr530 Cr925 Cr1,036 Cr1,036 Cr1,036 Cr1,036 Cr1,036 Cr1,036 Cr
Reserves42,605 Cr46,036 Cr54,802 Cr75,565 Cr81,354 Cr91,686 Cr1,05,014 Cr1,13,620 Cr1,35,954 Cr1,56,495 Cr
Borrowings31,242 Cr64,860 Cr68,868 Cr95,753 Cr71,263 Cr1,09,526 Cr1,07,910 Cr1,01,959 Cr1,35,813 Cr1,70,297 Cr
Other liabilities6,44,911 Cr6,36,379 Cr6,95,472 Cr10,27,699 Cr10,49,023 Cr11,37,890 Cr13,11,920 Cr14,38,165 Cr15,88,972 Cr17,73,675 Cr
Total liabilities7,19,221 Cr7,47,805 Cr8,19,672 Cr11,99,942 Cr12,02,676 Cr13,40,137 Cr15,25,879 Cr16,54,779 Cr18,61,774 Cr21,01,502 Cr
Fixed assets (net)5,930 Cr5,532 Cr7,144 Cr9,044 Cr8,217 Cr10,188 Cr8,957 Cr8,148 Cr12,634 Cr12,197 Cr
CWIP——————————
Investments1,40,716 Cr1,75,137 Cr1,95,716 Cr2,89,727 Cr2,81,859 Cr3,47,587 Cr3,97,487 Cr4,07,136 Cr4,27,380 Cr4,35,778 Cr
Loans & advances3,92,262 Cr4,37,941 Cr4,84,215 Cr7,06,540 Cr7,23,242 Cr7,97,281 Cr9,63,652 Cr10,88,983 Cr12,37,240 Cr14,40,458 Cr
Cash & bank23,915 Cr24,035 Cr28,225 Cr34,245 Cr40,154 Cr56,775 Cr56,696 Cr56,720 Cr58,191 Cr64,686 Cr
Other assets1,56,397 Cr1,05,159 Cr1,04,372 Cr1,60,387 Cr1,49,204 Cr1,28,306 Cr99,087 Cr93,791 Cr1,26,329 Cr1,48,383 Cr
Total assets7,19,221 Cr7,47,805 Cr8,19,672 Cr11,99,942 Cr12,02,676 Cr13,40,137 Cr15,25,879 Cr16,54,779 Cr18,61,774 Cr21,01,502 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity17,865 Cr-59,692 Cr-1,449 Cr1,519 Cr-887 Cr6,538 Cr-21,271 Cr-6,274 Cr34,892 Cr33,426 Cr
Cash from investing-551 Cr-414 Cr-2,537 Cr-139 Cr-471 Cr-3,652 Cr-1,096 Cr-1,285 Cr-6,494 Cr-3,275 Cr
Cash from financing-198 Cr3,413 Cr4,449 Cr14,729 Cr-985 Cr-1,319 Cr-5,488 Cr5,476 Cr3,790 Cr-1,806 Cr
Net cash flow17,116 Cr-56,692 Cr462 Cr33,120 Cr-2,344 Cr1,567 Cr-27,855 Cr-2,084 Cr32,188 Cr28,345 Cr
Free cash flow (OCF − Capex)17,036 Cr-60,305 Cr-4,115 Cr-1,784 Cr-3,673 Cr3,376 Cr-22,254 Cr-7,629 Cr28,559 Cr31,610 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %4.2%-4.1%2.0%1.2%1.9%8.5%14.1%16.4%15.1%12.4%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA——48,233 Cr69,381 Cr66,671 Cr54,059 Cr36,764 Cr31,834 Cr27,835 Cr27,059 Cr
Gross NPA %10.5%12.3%9.6%9.4%8.9%6.6%3.8%2.9%2.3%1.9%
Net NPA——15,610 Cr21,577 Cr21,800 Cr13,365 Cr8,384 Cr7,213 Cr6,994 Cr6,316 Cr
Net NPA %4.7%5.5%3.3%3.1%3.1%1.7%0.9%0.7%0.6%0.4%
CET1 %9.0%9.2%10.4%9.4%10.9%11.6%12.2%12.5%13.8%13.2%
Additional Tier 1 %0.9%1.2%1.2%1.3%1.7%1.8%1.8%1.5%1.0%0.5%
ROA %0.2%-0.3%0.1%0.1%0.1%0.6%1.0%1.2%1.2%1.1%