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| 27 February, 2021, 05:22 PM IST | E-Paper
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Bank of Baroda

  • 85.40-4.55 (-5.06%)
  • Volume: 8,78,11,972
  • Closed
  • Last Updated On: 26 Feb, 2021, 03:59 PM IST
OPEN TRADING A/C
  • Overview
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  • Financials
  • Technicals
  • Peers
  • Shareholdings
  • MF
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  • Corporate Actions
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Insights

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  • In the last 16 years, only 3.45 % trading sessions saw intraday declines higher than 5 % .

  • Bank of Baroda reported a YoY increase of 45.91% in its advances, which is higher than its 5 yr CAGR of 12.53%. (Source: Consolidated Financials)

  • Company's annual revenue growth of 49.83% outperformed its 3 year CAGR of 20.01%. (Source: Consolidated Financials)

  • Weekly stochastic crossover appeared on week ending Feb 26, 2021. Average price decline of -9.45% within 7 weeks of this signal in last 10 years.

InsightsBank of Baroda

  • Intraday fact check

    In the last 16 years, only 3.45 % trading sessions saw intraday declines higher than 5 % .

  • Loan Book Growth - Beating 5 Yr CAGR

    Bank of Baroda reported a YoY increase of 45.91% in its advances, which is higher than its 5 yr CAGR of 12.53%. (Source: Consolidated Financials)

  • Beating 3 Yr Revenue CAGR

    Company's annual revenue growth of 49.83% outperformed its 3 year CAGR of 20.01%. (Source: Consolidated Financials)

  • Sell Signal: Bears might roar again

    Weekly stochastic crossover appeared on week ending Feb 26, 2021. Average price decline of -9.45% within 7 weeks of this signal in last 10 years.

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Key Metrics

  • PE Ratio

    PE Ratio

    This is a ratio arrived at by dividing the current market price of a stock by its latest (annual or annualized) earnings per share. Here we have taken the TTM (trailing twelve months) adjusted earnings per share.

    (x)
    14.36
  • EPS - TTM

    EPS - TTM

    Earnings per share (TTM) tells the profit after tax earned on a per share basis by a stock over the last twelve months or four quarters.

    (₹)
    5.95
  • MCap

    MCap

    MCap or Market capitalization of a stock is calculated by multiplying the total number of shares outstanding of that particular stock with its current market price.

    (₹ Cr.)
    39,367.23
  • Sectoral MCap Rank

    Sectoral MCap Rank

    This is the ranking of a company within its sector based on MCap or Market capitalization. Higher the market capitalization of a company, higher the rank it is assigned.

    10
  • PB Ratio

    PB Ratio

    Price to Book represents the ratio of current market price of a stock to its book value per share. The book value itself is arrived at by dividing the net worth of a company by the total number of shares outstanding of the company at that time.

    (x)
    0.54
  • Div Yield

    Dividend Yield

    Dividend Yield calculates the amount of full year dividend declared by a company as a percentage of the current market price of a stock. All other things being equal, higher the dividend yield of the stock, the better it is for investors.

    (%)
    0.00
  • Face Value

    Face Value

    Face value of a stock is the value ascribed to the stock as per the balance sheet of the company. The dividend declared by a company is usually declared as a percentage of face value.

    (₹)
    2.00
  • Beta

    Beta

    1 Month2.21
    3 Months2.04
    6 Months2.30
    1 Year1.81
    3 Years1.81

    2.21
  • VWAP

    VWAP

    Volume Weighted Average Price represents the average price of a security over a particular time period (example one trading day) weighted by the volume traded at each price point.

    (₹)
    86.11
  • 52W H/L

    52W H/L

    This represents the 52 week high and low price of the security. It is also the 1 year high and low of the security. This represents the highest and lowest price touched by the security during the past 52 weeks or 1 year including today.

    (₹)
    99.85 / 36.00

Returns

  • 1 Day-5.06%
  • 1 Week-6.36%
  • 1 Month15.64%
  • 3 Months66.96%
  • 1 Year6.48%
  • 3 Years-40.59%
  • 5 Years-35.67%

Financials

  • Income (P&L)
  • Balance Sheet
  • Cash Flow
  • Ratios
  • Insights

    • Beating 3 Yr Revenue CAGR

      Company's annual revenue growth of 49.83% outperformed its 3 year CAGR of 20.01%. (Source: Consolidated Financials)
    Quarterly | AnnualDec 2020Sep 2020Jun 2020Mar 2020Dec 2019
    Total Income22,070.5221,853.7921,684.7122,589.8423,134.67
    Total Income Growth (%)0.990.78-4.01-2.36-0.73
    Provisions & Contingencies4,618.882,776.215,979.096,931.767,233.62
    Provisions & Contingencies Growth (%)66.37-53.57-13.74-4.1767.36
    Profit after Tax (PAT)1,195.961,771.21-678.71459.42-1,219.04
    PAT Growth (%)-32.48--247.73--242.84
    Gross NPA (%)-----
    Net NPA (%)-----
    Net Profit Margin (%)5.428.10-3.132.03-5.27
    Basic EPS (₹)2.593.83-1.470.86-3.20
    Quarterly | AnnualDec 2020Sep 2020Jun 2020Mar 2020Dec 2019
    Total Income20,664.2320,719.8520,312.4421,533.1021,809.08
    Total Income Growth (%)-0.272.01-5.67-1.27-1.31
    Provisions & Contingencies3,956.683,001.595,627.706,844.077,155.42
    Provisions & Contingencies Growth (%)31.82-46.66-17.77-4.3570.00
    Profit after Tax (PAT)1,061.111,678.60-864.26506.59-1,406.95
    PAT Growth (%)-36.79--270.60--290.99
    Gross NPA (%)8.489.149.399.4010.43
    Net NPA (%)2.392.512.833.134.05
    Net Profit Margin (%)5.148.10-4.252.35-6.45
    Basic EPS (₹)2.303.63-1.870.95-3.70
    Quarterly | Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Total Income91,086.0360,793.3054,048.6352,410.2351,791.17
    Total Income Growth (%)49.8312.483.131.202.83
    Provisions & Contingencies19,527.6714,431.5415,473.6210,687.2914,774.39
    Provisions & Contingencies Growth (%)35.31-6.7344.79-27.66100.18
    Profit after Tax (PAT)927.751,100.10-1,887.111,814.98-5,067.68
    PAT Growth (%)-13.33--207.58--231.84
    Net Interest Margin (%)2.402.482.252.061.98
    Net Profit Margin (%)1.172.07-4.094.08-11.06
    Basic EPS (₹)2.324.16-8.177.88-21.93
    Quarterly | Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Total Income86,300.9856,065.1050,305.6948,957.9949,060.14
    Total Income Growth (%)53.9311.452.75-0.213.58
    Provisions & Contingencies19,145.2313,053.3014,437.379,591.9314,211.11
    Provisions & Contingencies Growth (%)46.67-9.5950.52-32.50118.07
    Profit after Tax (PAT)546.19433.52-2,431.811,383.14-5,395.54
    PAT Growth (%)25.99--275.82--258.77
    Net Interest Margin (%)2.372.362.151.941.89
    Net Profit Margin (%)0.710.87-5.573.27-12.24
    Basic EPS (₹)1.361.64-10.536.00-23.89

    All figures in Rs Cr, unless mentioned otherwise

  • Insights

    • Loan Book Growth - Beating 5 Yr CAGR

      Bank of Baroda reported a YoY increase of 45.91% in its advances, which is higher than its 5 yr CAGR of 12.53%. (Source: Consolidated Financials)
    Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Advances7,06,539.734,84,214.814,37,941.263,92,262.303,91,485.99
    Advances Growth (%)45.9110.5711.650.20-10.09
    Deposits9,73,228.156,65,588.696,07,451.366,17,256.875,86,690.47
    Deposits Growth (%)46.229.57-1.595.21-6.87
    Total Equity76,490.4750,295.4846,838.7643,300.1042,696.85
    Total Equity Growth (%)52.087.388.171.411.17
    Gross NPA (%)-----
    Net NPA (%)-----
    Capital Adequacy Ratios (%)-----
    Contingent Liabilities3,25,173.653,81,543.492,99,023.382,53,394.602,12,910.39
    Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Advances6,90,120.734,68,818.744,27,431.833,83,259.223,83,770.18
    Advances Growth (%)47.209.6811.53-0.13-10.35
    Deposits9,45,984.436,38,689.725,91,314.826,01,675.175,74,037.87
    Deposits Growth (%)48.118.01-1.724.81-7.05
    Total Equity71,856.2250,983.1043,394.7740,303.2540,198.99
    Total Equity Growth (%)40.9417.497.670.260.91
    Gross NPA (%)9.409.6112.2610.469.99
    Net NPA (%)3.133.335.494.725.06
    Capital Adequacy Ratios (%)13.3013.4212.1313.1713.17
    Contingent Liabilities3,20,747.633,80,312.982,98,226.662,52,518.962,28,977.16

    All figures in Rs Cr, unless mentioned otherwise

  • Insights

    • Decrease in Cash from Investing

      Company has used Rs 139.0 cr for investing activities which is an YoY decrease of 94.52%. (Source: Consolidated Financials)
    Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Net Cash flow from Operating Activities1,519.33-1,449.07-59,691.7017,864.83-10,011.31
    Net Cash used in Investing Activities-139.00-2,537.37-413.63-550.62-4,005.10
    Net Cash flow from Financing Activities14,728.674,448.533,413.08-198.26-615.73
    Net Cash Flow33,120.23462.09-56,692.2517,115.95-14,632.14
    Closing Cash & Cash Equivalent1,31,005.0797,884.8497,422.751,54,115.001,36,999.05
    Closing Cash & Cash Equivalent Growth (%)33.840.47-36.7912.49-9.65
    Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Net Cash flow from Operating Activities929.51-4,119.63-61,087.8417,193.86-9,841.66
    Net Cash used in Investing Activities141.03-3,957.05-563.35-426.04-3,995.41
    Net Cash flow from Financing Activities14,589.744,408.924,078.65-198.26-615.73
    Net Cash Flow32,671.50-3,667.76-57,572.5316,569.56-14,452.80
    Closing Cash & Cash Equivalent1,21,901.1289,229.6292,897.381,50,469.911,33,900.35
    Closing Cash & Cash Equivalent Growth (%)36.62-3.95-38.2612.37-9.74

    All figures in Rs Cr, unless mentioned otherwise

  • Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Return on Equity (%)1.212.20-4.054.21-11.92
    Return on Assets (%)0.070.13-0.250.25-0.73
    Cost to Income (%)44.0244.7449.5840.1347.76
    Interest income to Earning assets (%)6.576.456.156.186.62
    Interest Expense to Earning assets (%)4.173.963.894.114.64
    Price to Earnings (x)26.7431.06-20.0022.03-6.71
    Price to Book (x)0.330.680.810.930.80
    Price to Sales (x)0.310.650.820.900.74
    Operating Profit Margin (%)-14.25-12.85-21.50-13.84-24.11
    Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Return on Equity (%)0.760.94-5.603.43-13.42
    Return on Assets (%)0.040.05-0.330.19-0.80
    Cost to Income (%)43.1343.4148.9238.5847.15
    Interest income to Earning assets (%)6.566.376.066.076.56
    Interest Expense to Earning assets (%)4.194.003.904.124.66
    Price to Earnings (x)45.4579.37-15.5328.90-6.30
    Price to Book (x)0.340.740.870.990.85
    Price to Sales (x)0.330.690.860.950.77
    Operating Profit Margin (%)-12.85-11.77-20.82-12.73-23.59

Financial InsightsBank of Baroda

  • Income (P&L)
  • Balance Sheet
  • Cash Flow
    • Beating 3 Yr Revenue CAGR

      Company's annual revenue growth of 49.83% outperformed its 3 year CAGR of 20.01%. (Source: Consolidated Financials)

    • Loan Book Growth - Beating 5 Yr CAGR

      Bank of Baroda reported a YoY increase of 45.91% in its advances, which is higher than its 5 yr CAGR of 12.53%. (Source: Consolidated Financials)

    • Decrease in Cash from Investing

      Company has used Rs 139.0 cr for investing activities which is an YoY decrease of 94.52%. (Source: Consolidated Financials)

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Technicals

  • Buy / Sell Signals
  • Price Analysis
  • Pivot Levels & ATR
  • Chart
  • Bullish / Bearish signals for Bank of Baroda basis selected technical indicators and moving average crossovers.

    Stochastic Crossover

    Bearish signal on weekly chart

    Appeared on: 26 Feb 2021

    Region: Equlibrium

    Last 4 Sell Signals:29 Jan 2021
    Date7 weeks Gain/Loss %
    29 Jan 2021-0.51%
    24 Dec 2020-0.16%
    30 Oct 20200.36%
    4 Sep 2020-13.94%

    Average price decline of -9.45% within 7 weeks of Bearish signal in last 10 years

    5 Day EMA Crossover

    Bearish signal on daily chart

    Appeared on: 26 Feb 2021

    5D EMA: 87.55

    Last 4 Sell Signals:23 Feb 2021
    Date7 days Gain/Loss %
    23 Feb 2021-0.52%
    11 Feb 2021-0.26%
    22 Jan 2021-12.07%
    11 Jan 2021-1.79%

    Average price decline of -3.29% within 7 days of Bearish signal in last 5 years

    10 Day EMA Crossover

    Bearish signal on daily chart

    Appeared on: 26 Feb 2021

    10D EMA: 86.43

    Last 4 Sell Signals:11 Feb 2021
    Date7 days Gain/Loss %
    11 Feb 2021-0.26%
    28 Jan 2021-0.52%
    22 Jan 2021-4.02%
    11 Jan 2021-1.79%

    Average price decline of -3.19% within 7 days of Bearish signal in last 5 years

    Show More
  • 47%
    Positive Movement since
    1st Jan 2005 on basis
    53%
    Negative Movement since
    1st Jan 2005 on basis
    Exclude
  • Pivot Levels

    R1R2R3PIVOTS1S2S3
    Classic86.7388.0790.2785.8784.5383.6781.47

    Average True Range

    5 DAYS14 DAYS28 DAYS
    ATR5.125.064.45

Peer Comparison

  • Stock Performance
  • Ratio Performance
  • Insights

    • Stock Returns vs Nifty 100

      Stock gave a 3 year return of -39.63% as compared to Nifty 100 which gave a return of 38.85%. (as of last trading session)
    • Stock Returns vs Nifty Bank

      Stock generated -39.63% return as compared to Nifty Bank which gave investors 42.28% return over 3 year time period. (as of last trading session)
    • 1D
    • 1W
    • 1M
    • 3M
    • 6M
    • 1Y
    • 5Y
  • Insights

    • Stock Returns vs Nifty 100

      Stock gave a 3 year return of -39.63% as compared to Nifty 100 which gave a return of 38.85%. (as of last trading session)
    • Stock Returns vs Nifty Bank

      Stock generated -39.63% return as compared to Nifty Bank which gave investors 42.28% return over 3 year time period. (as of last trading session)

    Ratio Performance

    NAMEP/E (x)P/B (x)ROE %ROA %Rev CAGR [3Yr]OPMNPMNIM %Cost to Income %Interest income to Earning assets %Net NPA %Capital Adequacy Ratio %
    Bank of Baroda14.360.521.210.0720.01-14.251.172.4044.026.573.1313.30
    PNB41.130.670.740.053.92-16.430.792.1041.906.445.7814.14
    IDBI Bank32.350.97-45.30-4.26-7.21-83.81-61.542.3396.106.934.1913.31
    IOB47.041.82-52.78-3.27-3.44-68.29-48.992.0382.776.675.4410.72
    Bank of India-16.880.60-7.88-0.462.09-22.86-7.162.3250.886.423.8813.10
    Add More
    Annual Ratios (%)

    Choose from Peers

    • Union Bank India
    • Canara Bank
    • Bank of Maha
    • Indian Bank
    • UCO Bank

    Choose from Stocks

    Peers InsightsBank of Baroda

    • Stock Returns vs Nifty 100

      Stock gave a 3 year return of -39.63% as compared to Nifty 100 which gave a return of 38.85%. (as of last trading session)

    • Stock Returns vs Nifty Bank

      Stock generated -39.63% return as compared to Nifty Bank which gave investors 42.28% return over 3 year time period. (as of last trading session)

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    Shareholding Pattern

    • QOQ Change
    • Total Shareholdings
    • Showing Shareholding as on 31 Dec 2020
      Category31 Dec 202030 Sep 202030 Jun 202031 Mar 2020
      Promoters71.6071.6071.6071.60
      Pledge0.000.000.000.00
      FII4.323.944.094.57
      DII11.2911.3612.6513.95
      Mutual Funds6.477.088.7910.01
      Others12.7913.1011.669.88
    • Showing Shareholding as on 31 Dec 2020
      CategoryNo. of SharesPercentage% Change QoQ
      Promoters3,30,81,84,68971.60 %0.00
      Pledge00.00 %0.00
      FII19,96,97,4404.32 %0.38
      DII52,18,55,97811.29 %-0.07
      MF29,89,16,0066.47 %-0.61
      Others59,08,28,47912.79 %-0.31

    MF Ownership

    MF Ownership as on 31 January 2021

    F&O Quote

    • Futures
    • Options
      • Expiry

      Price

      83.25-3.45 (-3.98%)

      OpenHighLowPrev CloseContracts TradedTurnover (₹ Lakhs)
      84.1086.3582.3086.7015,9941,57,515.42

    Corporate Actions

    • Board Meeting/AGM
    • Dividends
    • Others
    • Meeting DateAnnounced onPurposeDetails
      Jan 27, 2021Jan 13, 2021Board MeetingQuarterly Results
      Dec 23, 2020Nov 02, 2020EGM-
      Oct 29, 2020Oct 19, 2020Board MeetingQuarterly Results
      Aug 10, 2020Aug 03, 2020Board MeetingQuarterly Results
      Jul 31, 2020Jul 08, 2020AGMBook closure from Jul 24, 2020 to Jul 31, 2020
    • TypeDividendDividend per ShareEx-Dividend DateAnnounced on
      Final60%1.2Jun 22, 2017May 19, 2017
      Final160%3.2Jun 16, 2015May 11, 2015
      Final105%10.5Jun 12, 2014May 13, 2014
      Interim110%11.0Jan 20, 2014Jan 09, 2014
      Final215%21.5Jun 13, 2013May 13, 2013
    • All TypesEx-DateRecord DateAnnounced onDetails
      SplitsJan 22, 2015Jan 23, 2015Sep 27, 2014Split: Old FV10.0| New FV:2.0

    About Bank of Baroda

    Bank of Baroda, incorporated in the year 1911, is a banking company (having a market cap of Rs 39,459.64 Crore).Bank of Baroda key Products/Revenue Segments include Interest & Discount on Advances & Bills, Income From Investment, Interest and Interest On Balances with RBI and Other Inter-Bank Funds for the year ending 31-Mar-2020. Show More

    • Executives
    • Auditors
    • AK

      Ajay Kumar

      Nominee Director
      AA

      Amit Agrawal

      Government Nominee Director
      BD

      Bharatkumar D Dangar

      Shareholder Director
      BV

      Biju Varkkey

      Non Executive Director
      Show More
    • S R Dinodia & Co. LLP
      Dass Gupta & Associates
      J Kala & Associates
      Singhi & Co.

    Key Indices Listed on

    Nifty Bank, Nifty Next 50, Nifty 100, + 23 more

    Address

    Baroda House,P.B. No. 506,Vadodra, Gujarat - 390006

    Bank of Baroda Share Price Update

    Bank of Baroda share price moved down by -5.06% from its previous close of Rs 89.95. Bank of Baroda stock last traded price is 85.40

    Share PriceValue
    Today/Current/Last85.40
    Previous Day89.95

    Trending in Markets

    DATA SOURCES: TickerPlant (for live BSE/NSE quotes service) and Dion Global Solutions Ltd. (for corporate data, historical price & volume, F&O data). Sensex & BSE Quotes and Nifty & NSE Quotes are real-time and licensed from BSE and NSE respectively. All timestamps are reflected in IST (Indian Standard Time).

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