Bank of Baroda
NSE: BANKBARODA · Public Sector Bank
Snapshot
Unlock Bank of Baroda's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Bank of Baroda is a major Indian public sector bank providing a comprehensive suite of retail, corporate, and treasury banking services. It serves individuals, government entities, and corporate clients through an extensive domestic and international network.
Business Model
The bank generates revenue primarily through net interest income earned on loans and advances, alongside fee-based income from financial services, insurance distribution, and merchant banking. It leverages a diversified deposit base to fund its lending operations across various sectors.
Growth Outlook
Growth is driven by the expansion of digital banking services and the continued penetration of credit products into the retail and MSME segments. The bank focuses on enhancing operational efficiency and leveraging government-backed schemes to capture market share.
Key Risks
- Asset Quality Risk. The bank faces potential volatility in asset quality due to exposure to corporate and MSME sectors which are sensitive to economic cycles.
- Regulatory and Compliance Risk. As a public sector bank, it is subject to stringent regulatory oversight and policy changes by the Reserve Bank of India and the Government of India.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the valuation of its substantial investment portfolio.
- Cybersecurity Risk. Increasing reliance on digital and mobile banking platforms exposes the institution to sophisticated cyber threats and data security vulnerabilities.
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Key Metrics
REVENUE
₹1,32,129 Cr
TTM · consolidated
NET PROFIT
₹17,698 Cr
TTM · consolidated
EPS
₹32.40
TTM · standalone
P/E
7.4x
Q1 FY27 · standalone
NET PROFIT MARGIN
16.1%
Q3 FY26 · consolidated
Peers · Public Sector Bank
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Bank of BarodaBANKBARODA | ₹1.24L Cr | 7.38 | — | 4.3% | — | 11.7% | — | +2.2% |
Union Bank of IndiaUNIONBANK | ₹1.43L Cr | 6.92 | — | 1.7% | — | 16.2% | — | +47.6% |
Punjab National BankPNB | ₹1.34L Cr | 6.57 | — | — | — | 13.7% | — | +13.1% |
Indian BankINDIANB | ₹1.18L Cr | 9.27 | — | 8.3% | — | 15.5% | — | +32.4% |
Canara BankCANBK | ₹1.14L Cr | 5.73 | — | 6.8% | — | 14.9% | — | +18.3% |
Bank of MaharashtraMAHABANK | ₹66,109 Cr | 8.77 | — | 17.4% | — | 22.4% | — | +65.2% |
As of Q3 FY26
Financials
Bank of Baroda
NSE: BANKBARODA · Public Sector Bank
Snapshot
Unlock Bank of Baroda's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Bank of Baroda is a major Indian public sector bank providing a comprehensive suite of retail, corporate, and treasury banking services. It serves individuals, government entities, and corporate clients through an extensive domestic and international network.
Business Model
The bank generates revenue primarily through net interest income earned on loans and advances, alongside fee-based income from financial services, insurance distribution, and merchant banking. It leverages a diversified deposit base to fund its lending operations across various sectors.
Growth Outlook
Growth is driven by the expansion of digital banking services and the continued penetration of credit products into the retail and MSME segments. The bank focuses on enhancing operational efficiency and leveraging government-backed schemes to capture market share.
Key Risks
- Asset Quality Risk. The bank faces potential volatility in asset quality due to exposure to corporate and MSME sectors which are sensitive to economic cycles.
- Regulatory and Compliance Risk. As a public sector bank, it is subject to stringent regulatory oversight and policy changes by the Reserve Bank of India and the Government of India.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the valuation of its substantial investment portfolio.
- Cybersecurity Risk. Increasing reliance on digital and mobile banking platforms exposes the institution to sophisticated cyber threats and data security vulnerabilities.
Start your research today
Unlock AI insights, financials, peers and live data on Bank of Baroda and 5,000+ companies — free.
Key Metrics
REVENUE
₹1,32,129 Cr
TTM · consolidated
NET PROFIT
₹17,698 Cr
TTM · consolidated
EPS
₹32.40
TTM · standalone
P/E
7.4x
Q1 FY27 · standalone
NET PROFIT MARGIN
16.1%
Q3 FY26 · consolidated
Peers · Public Sector Bank
As of Q3 FY26