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Bank of India
(BANKINDIA)
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Rating:69Neutral
Price Target:
₹157.00
▲(9.18% Upside)
Action:Reiterated
Date:08/17/26
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.
Positive Factors
Diversified Banking Franchise
Exposure across retail, MSME, corporate, agricultural and international banking diversifies earnings sources. This broad franchise can support resilient customer relationships and loan growth across multiple economic segments over the medium term.
Negative Factors
Volatile Cash Generation
Large swings in operating and free cash flow reduce confidence in consistent internally generated funding. Even with the latest rebound, recurring volatility can constrain capital flexibility and make growth funding more dependent on balance-sheet resources.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified Banking Franchise
Exposure across retail, MSME, corporate, agricultural and international banking diversifies earnings sources. This broad franchise can support resilient customer relationships and loan growth across multiple economic segments over the medium term.
Read all positive factors
Bank of India (BANKINDIA) vs. iShares MSCI India ETF (INDA)
Market Cap
₹603.46B
Dividend Yield3.48%
Average Volume (3M)239.29K
Price to Earnings (P/E)5.2
Beta (1Y)1.37
Revenue Growth6.02%
EPS Growth24.13%
CountryIN
Employees51,010
SectorGeneral
Sector StrengthN/A
IndustryBanks
Share Statistics
EPS (TTM)25.87
Shares Outstanding4,552,668,000
10 Day Avg. Volume351,178
30 Day Avg. Volume239,289
Financial Highlights & Ratios
PEG Ratio0.76
Price to Book (P/B)0.69
Price to Sales (P/S)0.74
P/FCF Ratio3.57
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)22.82
Revenue Forecast (FY)₹358.88B
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,...
How the Company Makes Money
Bank of India primarily earns money through (1) net interest income and (2) non-interest income (fees and other income), with profitability also influenced by credit costs (provisions for bad loans) and treasury/market performance.
1) Net interes...
Bank of India Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
67
Positive
Cash Flow
44
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 880.79B | 846.12B | 804.92B | 672.06B | 538.01B | 456.17B |
| Gross Profit | 342.45B | 310.09B | 338.97B | 294.49B | 263.60B | 215.33B |
| EBITDA | 156.44B | 142.84B | 131.62B | 107.02B | 65.25B | 59.45B |
| Net Income | 117.79B | 103.06B | 95.48B | 65.64B | 38.38B | 34.93B |
Balance Sheet | ||||||
| Total Assets | 12.09T | 11.80T | 10.56T | 9.24T | 8.26T | 7.43T |
| Cash, Cash Equivalents and Short-Term Investments | 1.02T | 995.89B | 1.01T | 831.23B | 846.83B | 536.25B |
| Total Debt | 1.15T | 1.19T | 1.24T | 1.28T | 1.17T | 642.23B |
| Total Liabilities | 11.18T | 10.89T | 9.76T | 8.54T | 7.65T | 6.86T |
| Stockholders Equity | 909.90B | 899.59B | 807.26B | 705.81B | 604.33B | 565.22B |
Cash Flow | ||||||
| Free Cash Flow | -481.34B | 174.71B | -613.83B | -52.87B | -76.68B | -360.59B |
| Operating Cash Flow | -477.85B | 183.61B | -606.60B | 163.93B | -70.45B | -354.87B |
| Investing Cash Flow | 2.52B | -1.27T | -8.54B | -9.91B | -5.21B | -6.44B |
| Financing Cash Flow | 342.96B | 1.08T | 792.29B | 722.85B | 5.41B | 11.46B |
Bank of India Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ₹935.46B | 9.88 | ― | 2.41% | 2.10% | 17.72% | |
69 Neutral | ₹603.46B | 5.16 | ― | 3.48% | 6.02% | 24.13% | |
66 Neutral | ₹619.94B | 8.59 | ― | 2.62% | 15.23% | 28.39% | |
63 Neutral | ₹698.62B | 29.46 | ― | 0.31% | 10.96% | 53.78% | |
56 Neutral | ₹655.39B | 17.47 | ― | 1.34% | 0.75% | 37.73% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
50 Neutral | ₹605.62B | 10.14 | ― | 1.52% | 13.06% | 50.61% |
* General Sector Average
IN:BANKINDIA
Bank of India
133.80
13.04
10.80%
IN:IDBI
IDBI Bank Limited
85.75
-5.49
-6.02%
IN:IDFCFIRSTB
IDFC First Bank Ltd.
79.42
7.72
10.77%
IN:IOB
Indian Overseas Bank
31.00
-8.10
-20.72%
IN:MAHABANK
Bank of Maharashtra
84.07
29.08
52.87%
IN:YESBANK
Yes Bank Limited
20.77
-1.27
-5.76%
Bank of India Corporate Events
Infomerics Reaffirms AAA Rating on Bank of India’s Basel III Tier II Bonds
Aug 14, 2026
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 bon...
Bank of India Releases Q1 FY 2026-27 Investor Presentation on Unaudited Results
Jul 24, 2026
Bank of India has released an investor presentation covering its unaudited, reviewed standalone and consolidated financial results for the first quarter ended 30 June 2026. The disclosure, filed with both NSE and BSE, aims to update shareholders a...
Bank of India Board Clears Q1 FY27 Unaudited Results, Confirms Proper Use of Funds
Jul 24, 2026
Bank of India’s board has approved the unaudited standalone and consolidated financial results for the first quarter ended 30 June 2026, following a meeting held on 24 July 2026. The results, which include segment reporting and a limited rev...
Bank of India Closes Insider Trading Window Ahead of Q1 Results
Jun 23, 2026
Bank of India has announced that, in line with SEBI’s Prohibition of Insider Trading Regulations and its own code of conduct, the trading window for its directors, designated employees, their relatives and connected persons will be closed fr...
Bank of India Confirms No Promoter Share Encumbrance for FY 2025-26
Jun 22, 2026
Bank of India has informed stock exchanges that, in compliance with Regulation 31(4) and 31(5) of SEBI’s Substantial Acquisition of Shares and Takeovers Regulations, its promoter is the President of India and the disclosure pertains to the f...
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.