Bank of Baroda (BANKBARODA) AI Stock Analysis

22 Followers

Bank of Baroda

(NSE:BANKBARODA)

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Rating:71.25Outperform

Price Target:INR 303.00▲(10.77% Upside)

Action:upgraded

Date:08/17/26

The score is primarily driven by solid underlying financial performance (multi-year profitability improvement) but moderated by the latest-year margin softening, higher leverage, and historically volatile cash flows. Valuation is a clear positive with a low P/E and healthy dividend yield. Technicals are mixed-to-weak, with the stock below key longer-term moving averages and a negative MACD, limiting near-term momentum support.

Positive Factors

Profitability improvementThe sustained expansion in net profit margin indicates a materially healthier earnings profile than in earlier years. This stronger profitability can improve internal capital generation, support balance-sheet growth, and provide greater resilience across the next several quarters.

Negative Factors

Latest margin pressureRecent margin compression shows that revenue growth is not fully translating into higher profit, weakening near-term earnings quality. If this persists, it could constrain capital accumulation and reduce the benefit of the bank’s otherwise strong multi-year profitability improvement.

Bank of Baroda (BANKBARODA) vs. iShares MSCI India ETF (INDA)

Market Cap: INR 1.42T
Dividend Yield: 3.11%
Average Volume (3M): 445.56K
Price to Earnings (P/E): 7.2
Beta (1Y): 0.96
Revenue Growth: 8.17%
EPS Growth: 2.75%
Country: India
Employees: 76,693
Sector: General
Sector Strength: 55
Industry: Banks - Regional

Bank of Baroda Business Overview & Revenue Model

Company Description

Bank of Baroda Limited provides various banking products and services to individuals, government departments, and corporate customers in India and internationally. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other B...

How the Company Makes Money

Bank of Baroda primarily earns money through (1) net interest income and (2) non-interest (fee and other) income, with profitability also influenced by credit costs and treasury outcomes. 1) Net interest income (core banking spread): - Interest earne...

Bank of Baroda Financial Statement Overview

Summary

Strong multi-year revenue growth and a clear profitability step-up (net margin improving from ~2% in 2021 to low-to-mid teens in 2022–2026). Offsetting this, the latest year shows some margin softening and net income dipping year-over-year despite higher revenue, leverage rising (debt-to-equity ~1.03 in 2026 vs ~0.72 in 2025), and historically volatile operating/free cash flow despite a strong 2026 rebound.

Income Statement

78Positive

Balance Sheet

70Positive

Cash Flow

62Positive

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	1.56T	1.57T	1.48T	1.38T	1.06T	872.08B
Gross Profit	608.37B	636.62B	696.79B	679.01B	557.91B	483.93B
EBITDA	245.53B	269.08B	294.92B	279.52B	229.14B	116.79B
Net Income	197.64B	198.46B	207.16B	187.67B	149.05B	78.50B
Balance Sheet
Total Assets	22.31T	21.02T	18.62T	16.55T	15.26T	13.40T
Cash, Cash Equivalents and Short-Term Investments	1.34T	1.61T	1.32T	1.00T	1.02T	1.30T
Total Debt	1.83T	1.70T	1.06T	930.89B	1.05T	1.10T
Total Liabilities	20.55T	19.33T	17.14T	15.34T	14.20T	12.48T
Stockholders Equity	1.75T	1.66T	1.47T	1.20T	1.05T	918.68B
Cash Flow
Free Cash Flow	0	2.39T	285.59B	-76.29B	-222.54B	31.27B
Operating Cash Flow	0	2.41T	348.92B	-62.74B	-212.71B	65.32B
Investing Cash Flow	0	-2.19T	-64.94B	-12.85B	-10.96B	-36.45B
Financing Cash Flow	0	69.45B	37.90B	54.76B	-54.88B	-13.19B

Bank of Baroda Technical Analysis

Technical Analysis SentimentPositive

Last Price273.55

Price Trends

50DMA238.71Positive

100DMA244.59Positive

200DMA258.46Positive

Market Momentum

MACD9.14Negative

RSI76.37Negative

STOCH95.35Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:BANKBARODA, the sentiment is Positive. The current price of 273.55 is above the 20-day moving average (MA) of 244.70, above the 50-day MA of 238.71, and above the 200-day MA of 258.46, indicating a bullish trend. The MACD of 9.14 indicates Negative momentum. The RSI at 76.37 is Negative, neither overbought nor oversold. The STOCH value of 95.35 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:BANKBARODA.

Bank of Baroda Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IN:BANKBARODA against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IN:PNB	77Outperform	INR 1.64T	7.19	―	2.10%	2.89%	34.19%
IN:BANKBARODA	71Outperform	INR 1.41T	7.16	―	3.11%	8.17%	2.75%
IN:INDIANB	69Neutral	INR 1.25T	9.51	―	1.96%	12.44%	17.22%
IN:CANBK	68Neutral	INR 1.19T	5.83	―	3.20%	-6.75%	6.41%
IN:SBIN	67Neutral	INR 9.97T	11.02	―	1.61%	6.41%	9.17%
IN:UNIONBANK	66Neutral	INR 1.55T	7.04	―	2.46%	0.31%	19.01%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

IN:BANKBARODA and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IN:BANKBARODA	Bank of Baroda	273.55	-5.23	-1.88%
IN:CANBK	Canara Bank	131.00	-13.34	-9.24%
IN:INDIANB	Indian Bank	930.90	59.45	6.82%
IN:PNB	Punjab National Bank	143.00	23.47	19.64%
IN:SBIN	State Bank of India	1080.50	124.54	13.03%
IN:UNIONBANK	Union Bank of India Limited	203.00	53.42	35.71%

Bank of Baroda Corporate Events

Bank of Baroda Publishes Q2 FY27 Analyst Meet Recordings Online

Oct 31, 2026

Bank of Baroda has notified the stock exchanges that audio and video recordings of its media and analyst meetings for the Q2 FY2026-27 financial results, held on 30 October 2026, are now available on its website. By making these recordings accessible...

Bank of Baroda Clarifies Media Reports on Alleged Bombay High Court Suit

Oct 14, 2026

Bank of Baroda has issued a clarification to stock exchanges regarding media reports about a suit allegedly filed against the bank in the Bombay High Court by Dr. Bavaguthu Raghuram Shetty on October 13, 2026. The bank states it has not yet been serv...

Bank of Baroda Discloses Senior Management Change in Large Corporate Unit

Sep 9, 2026

Bank of Baroda has notified the stock exchanges of a change in senior management, in line with SEBI’s listing disclosure norms, underscoring its compliance with regulatory requirements and transparency obligations as a publicly listed bank.The bank r...

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Aug 17, 2026

Bank of Baroda AI Stock Analysis