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Bank of India (BANKINDIA) AI Stock Analysis
Bank of India
(NSE:BANKINDIA)
The score is driven primarily by improved profitability and growth, but meaningfully tempered by highly inconsistent cash flow and elevated leverage. Valuation is a major positive (low P/E and solid dividend yield), while technical signals are neutral with only modest trend strength and slightly stretched short-term momentum.
Bank of India (BANKINDIA) vs. iShares MSCI India ETF (INDA)
- Market Cap
- INR 635.92B
- Dividend Yield
- 3.51%
- Average Volume (3M)
- 293.34K
- Price to Earnings (P/E)
- 4.8
- Beta (1Y)
- 1.26
- Revenue Growth
- 9.15%
- EPS Growth
- 29.72%
- Country
- India
- Employees
- 51,010
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks
Bank of India Business Overview & Revenue Model
Company Description
Bank of India Limited provides various banking products and services in India and internationally. It operates through Treasury, Wholesale Banking, and Retail Banking segments. The company accepts various deposit products, such as savings, salary, cu...
How the Company Makes Money
Bank of India primarily makes money through (1) interest income and (2) fee and other non-interest income. (1) Net interest income: The bank raises funds mainly via customer deposits and borrowings, then deploys these funds into interest-earning asse...
Bank of India Financial Statement Overview
Summary
Strong improvement in scale and profitability (revenue up from 456.2B in 2022 to 846.1B in 2026; net income up from 34.9B to 103.1B). However, the overall fundamental quality is held back by very volatile operating/free cash flow (multiple years deeply negative before rebounding in 2026) and an elevated leverage profile (debt-to-equity ~1.14x to ~1.93x in 2023–2025).
Income Statement
82Very PositiveBalance Sheet
67PositiveCash Flow
44Neutral| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 916.89B | 846.12B | 804.92B | 672.06B | 538.01B | 456.17B |
| Gross Profit | 355.90B | 310.09B | 338.97B | 294.49B | 263.60B | 215.33B |
| EBITDA | 162.41B | 142.84B | 131.62B | 107.02B | 65.25B | 59.45B |
| Net Income | 125.11B | 103.06B | 95.48B | 65.64B | 38.38B | 34.93B |
Balance Sheet | ||||||
| Total Assets | 12.92T | 11.80T | 10.56T | 9.24T | 8.26T | 7.43T |
| Cash, Cash Equivalents and Short-Term Investments | 1.12T | 995.89B | 1.01T | 831.23B | 846.83B | 536.25B |
| Total Debt | 1.22T | 1.19T | 1.24T | 1.28T | 1.17T | 642.23B |
| Total Liabilities | 11.97T | 10.89T | 9.76T | 8.54T | 7.65T | 6.86T |
| Stockholders Equity | 940.42B | 899.59B | 807.26B | 705.81B | 604.33B | 565.22B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 174.71B | -613.83B | -52.87B | -76.68B | -360.59B |
| Operating Cash Flow | 0 | 183.61B | -606.60B | 163.93B | -70.45B | -354.87B |
| Investing Cash Flow | 0 | -1.27T | -8.54B | -9.91B | -5.21B | -6.44B |
| Financing Cash Flow | 0 | 1.08T | 792.29B | 722.85B | 5.41B | 11.46B |
Bank of India Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:BANKINDIA, the sentiment is Negative. The current price of 132.50 is below the 20-day moving average (MA) of 133.05, below the 50-day MA of 137.31, and below the 200-day MA of 143.81, indicating a bearish trend. The MACD of -1.06 indicates Negative momentum. The RSI at 47.31 is Neutral, neither overbought nor oversold. The STOCH value of 59.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:BANKINDIA.
Bank of India Peers Comparison
Overall Rating
IN:IOB77.3Outperform
IN:MAHABANK74Outperform
IN:IDBI71Outperform- IN:BANKINDIA68.8Neutral
IN:YESBANK55Neutral
IN:IDFCFIRSTB48Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| IN:IOB | 77Outperform | INR 553.24B | 8.38 | ― | ― | 14.15% | 50.70% |
| IN:MAHABANK | 74Outperform | INR 624.55B | 7.82 | ― | 2.71% | 16.60% | 31.41% |
| IN:IDBI | 71Outperform | INR 862.77B | 10.39 | ― | 2.62% | 2.70% | -10.57% |
| IN:BANKINDIA | 69Neutral | INR 603.23B | 4.83 | ― | 3.51% | 9.15% | 29.72% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| IN:YESBANK | 55Neutral | INR 475.86B | 11.39 | ― | ― | 5.03% | 47.78% |
| IN:IDFCFIRSTB | 48Neutral | INR 620.11B | 20.63 | ― | 0.35% | 13.41% | 83.77% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IN:BANKINDIA | Bank of India | 132.50 | -5.11 | -3.71% | |
| IN:IDBI | IDBI Bank Limited | 80.24 | -21.31 | -20.98% | |
| IN:IDFCFIRSTB | IDFC First Bank Ltd. | 71.91 | -9.83 | -12.02% | |
| IN:IOB | Indian Overseas Bank | 28.73 | -11.75 | -29.03% | |
| IN:MAHABANK | Bank of Maharashtra | 81.20 | 23.06 | 39.67% | |
| IN:YESBANK | Yes Bank Limited | 15.16 | -7.82 | -34.03% |
Bank of India Corporate Events
Bank of India posts strong Q2 FY27 growth with improved profitability and asset quality
Bank of India reported robust unaudited standalone and consolidated financial results for the second quarter and half-year ended September 30, 2026, highlighting strong growth across its global business. The bank’s global business rose 21.13% y...
Bank of India Files Investor Presentation on Q2 and Half-Year FY 2026-27 Results
Bank of India, a major public sector bank listed on the National Stock Exchange and BSE, provides a comprehensive suite of retail and corporate banking services to customers across India. The bank plays a prominent role in the country’s financi...
Bank of India Board Clears Q2 and Half-Year FY27 Unaudited Results
Bank of India’s board has approved the unaudited standalone and consolidated financial results for the second quarter and half-year ended September 2026, following a meeting held on 23 October 2026. The disclosure was made in line with SEBIR...
Bank of India Confirms SEBI Compliance on Dematerialisation of Equity Shares
Bank of India announced that it has received a compliance certificate from its Registrar and Transfer Agent confirming adherence to Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter and half year ended 30...
Bank of India Engages Global Investors in London Non-Deal Roadshow
Bank of India has disclosed that its executives participated in a non-deal roadshow in London on September 15, 2026, engaging with prospective institutional investors. During the meetings, discussions were based solely on publicly available documents...
Bank of India Engages Global Investors in London Non-Deal Roadshow
Bank of India has disclosed that its executives participated in a non-deal roadshow in London on September 14, 2026, engaging with prospective institutional investors. During the meetings, the bank confined its discussions to information already avai...
Bank of India Engages Institutional Investors in Hong Kong Non-Deal Roadshow
Bank of India has disclosed that its executives participated in a non-deal roadshow in Hong Kong to engage with prospective institutional investors. During the meetings, the bank restricted its discussions to information already available in the publ...
Bank of India Updates Investor Presentation for Global Roadshow
Bank of India has released an updated investor presentation related to its ongoing investor and analyst non-deal roadshow, covering performance analysis for the quarter ended June 30, 2026 in Indian rupees. The materials have been made available on t...
Acuite Reaffirms Strong Ratings for Bank of India as Profit and Asset Quality Improve
Acuite Ratings & Research has reaffirmed Bank of India’s long-term ratings at ACUITE AA+ with a stable outlook for Rs 1,500 crore of Basel III Additional Tier I bonds and ACUITE AAA with a stable outlook for Rs 2,000 crore of Basel III Tier...
Infomerics Reaffirms AAA Rating on Bank of India’s Basel III Tier II Bonds
Bank of India is a public sector bank operating in India’s financial services industry, offering a broad range of banking products including deposits, loans and capital market instruments. The bank also issues Basel III-compliant Tier II bonds...
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