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Banking And Finance | Mid Cap
Health Score : 4.63Bank of India shows a mixed financial performance. Its growth ratios are strong, driven by good revenue, EPS, and asset growth. The bank also demonstrates great profitability, supported by its gross profit margin, ROCE, and operating margin. However, liquidity is a significant concern, indicating potential difficulties in meeting short-term obligations. The solvency ratios also raise concerns because of high debt levels. While the bank's efficiency metrics are generally weak, the financial ratios present a mixed picture. Coverage ratios are low, suggesting challenges in meeting interest and dividend obligations. Overall, the bank exhibits strong growth and profitability but needs to address its liquidity and solvency issues to ensure long-term stability and financial health.
Health Score : 4.63Bank of India shows a mixed financial performance. Its growth ratios are strong, driven by good revenue, EPS, and asset growth. The bank also demonstrates great profitability, supported by its gross profit margin, ROCE, and operating margin. However, liquidity is a significant concern, indicating potential difficulties in meeting short-term obligations. The solvency ratios also raise concerns because of high debt levels. While the bank's efficiency metrics are generally weak, the financial ratios present a mixed picture. Coverage ratios are low, suggesting challenges in meeting interest and dividend obligations. Overall, the bank exhibits strong growth and profitability but needs to address its liquidity and solvency issues to ensure long-term stability and financial health.
Overall Valuation Score
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0.00
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Last Traded Quantity
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Last Traded Time
N/A
Price Movement Indicator
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P/E RATIO (TTM)
6.16
Industry Median
11.46
Mid Cap Median
13.38
P/E RATIO
6.29
P/B RATIO
0.72
Industry Median
1.20
Mid Cap Median
1.55
P/S RATIO
0.86
Industry Median
1.62
Mid Cap Median
1.99
Others
PEG RATIO
0.00
EV/EBITDA RATIO
2.14
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹142.35 as on Sep 1, 2026.
Growth Score : 6.80The growth ratios indicate robust expansion. Strong revenue growth suggests effective market penetration and increased sales. A high EPS growth rate reflects improved profitability and shareholder value. A substantial asset growth rate indicates significant investments and expansion of the bank's asset base. However, low operating profit growth and net income growth may indicate inefficiencies in cost management. Sustaining high growth rates while improving profitability will be critical for long-term success.
Revenue Growth RateExcellent
Operating Profit Growth RatePoorEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RatePoor| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -6.3 | 25.21 | 27.42 | 16.76 | 6.04 |
| Operating Profit Growth Rate | 36.25 | 66.78 | 751.46 | -9.22 | 17.48 |
| Earnings Per Share (EPS) Growth | 33.81 | 9.87 | 54.22 | 45.42 | 7.96 |
| Asset Growth Rate | 1.41 | 11.16 | 11.89 | 14.3 | 11.65 |
| Net Income Growth Rate | 67.56 | 10.09 | 71.06 | 45.45 | 7.93 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Federal Bank Ltd | 7.18 | 19.81 | Neutral | 1265.00 | 16.68 | 4491.00 |
| 2 | Bank of Maharashtra | 7.02 | 9.07 | Neutral | 4317.00 | 9.13 | 7017.00 |
| 3 | IDFC First Bank Ltd | 6.56 | 45.40 | Neutral | -6067.00 | 1.90 | 1611.00 |
| 4 | Indian Overseas Bank | 6.01 | 11.48 | Neutral | 632.00 | 2.70 | 5418.00 |
| 5 | IndusInd Bank Ltd | 5.52 | 86.99 | Neutral | -6019.00 | 11.98 | 889.00 |
| 6 | Bank of India | 4.63 | 6.29 | Neutral | 4766.00 | 23.12 | 10309.00 |
| 7 | Yes Bank Ltd | 4.49 | 19.73 | Neutral | -2441.00 | 1.11 | 3512.00 |
| 8 | Central Bank of India | 3.99 | 6.06 | Neutral | 143.00 | 4.83 | 4531.00 |
| 9 | UCO Bank | 3.69 | 12.48 | Neutral | -262.00 | 2.25 | 2468.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 1 Technical Indicators From The 1 Hour Timeframe
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Quarterly Report⬤21st Jan 26
Quarterly Financial Results Q3 FY 2025–26
BULLISH SENTIMENT
Bank of India, a prominent public sector bank, offers diversified financial products and services including retail, corporate, and treasury operations. Established in 1906, it serves a large customer base domestically and internationally, holding a significant position in India's banking landscape.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Bank of India's P/E ratio (TTM) is 6.16, compared to the industry median of 11.46 and large cap median of 13.38.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Bank of India's P/B ratio is 0.72, compared to the industry median of 1.20 and large cap median of 1.55.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Bank of India's P/S ratio is 0.86, compared to the industry median of 1.62 and large cap median of 1.99.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Bank of India's PEG ratio is 0.20.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Bank of India's EV/EBITDA ratio is 2.14.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Bank of India's ROE is 11.46%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Bank of India's ROA is 0.40%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Bank of India's ROCE is 71.05%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Bank of India's operating margin is 6.30%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Bank of India's net margin is 13.63%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Bank of India's current ratio is 22.23.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Bank of India's debt-to-equity ratio is 10.11.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Bank of India's interest coverage ratio is 1.27.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Bank of India's DPS is ₹4.75.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Bank of India's EPS is 7.96.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹142.35. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1906
Headquarters: Mumbai, Maharashtra
Core Offerings: Retail Banking, Corporate Banking, Treasury Operations, International Banking, Digital Banking
Stock Listing: NSE (BANKINDIA), BSE (532149)
Promoter: Government of India
Founded on September 7, 1906, by a group of prominent businessmen from Mumbai. Bank of India was the first Indian bank to establish a branch outside India, in London, in 1946. It was among the 14 major banks nationalized by the Government of India in July 1969. Over the decades, it has expanded its domestic and international presence, playing a key role in financial inclusion and economic development, consistently adapting to the evolving banking landscape.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Retail Banking | Approx. 60.5% (PBT share) | Operating Profit |
| Wholesale Banking | Approx. 18.1% (PBT share) | Operating Profit |
| Treasury Operations | Approx. 16.9% (PBT share) | Operating Profit |
| Other Banking Operations | Approx. 4.5% (PBT share) | Operating Profit |
Retail Banking: Offers a broad suite of products and services to individual customers, including savings and current accounts, fixed deposits, home loans, auto loans, personal loans, credit cards, and digital banking platforms.
Wholesale Banking: Caters to large corporations, Public Sector Undertakings (PSUs), and medium enterprises, providing working capital finance, term loans, project finance, trade finance, and cash management services.
Treasury Operations: Manages the bank's investment portfolio, foreign exchange operations, money market activities, and derivative products, playing a crucial role in liquidity management and revenue generation.
Other Banking Operations: Includes residual activities such as bancassurance, merchant banking, agency functions, and other fee-based financial services not covered under the main segments.
Shri Rajneesh Karnatak (MD & CEO): Appointed in February 2023, he brings over 29 years of experience from various public sector banks, steering the bank's strategic growth and operational efficiency. Shri M.R. Kumar (Non-Executive Chairman): Appointed in May 2024, he previously served as Chairman of LIC and provides strategic guidance to the board.
BOI Shareholding Limited
Ageas Federal Life Insurance Company Ltd. (joint venture)
Bank of India (New Zealand) Limited
BOI Merchant Bankers Limited
Bank of India UK Limited
BOI Global Securities IFSC Limited
In 2021, the bank raised ₹2,550 crore through a Qualified Institutional Placement (QIP). It has also issued preference shares to the Government of India for capital infusion. No major recent bonus or rights issues of common equity on record.
The Bank of India share price today is ₹142.35 on NSE (BANKINDIA), as of 28 Sept 2026.
As of 28 Sept 2026, Bank of India share price is ₹142.35, with previous close ₹142.35. Today's range is ₹142.35 to ₹142.35. The 52-week range is ₹N/A to ₹N/A.
As of today, Bank of India's market cap is ₹65,389.9 crore (Large Cap).
Bank of India's current P/E ratio is 6.16, compared to the BANKING AND FINANCE sector average of 16.
Bank of India's current P/B ratio is 0.72.
Bank of India's current dividend yield is 3.34%. Last dividend of ₹2.00 per share was declared on 10-May-2024.
Bank of India's EPS (TTM) is ₹7.96.
Bank of India, a prominent public sector bank, offers diversified financial products and services including retail, corporate, and treasury operations. Established in 1906, it serves a large customer base domestically and internationally, holding a significant position in India's banking landscape.
Bank of India is promoted by Government of India, holding 73.38% as of 28 Sept 2026.
Bank of India is listed on NSE (BANKINDIA) and BSE (532149). Its next quarterly results are expected on Q1 FY25 (Late July / Early August 2024).
Cash Earnings Per Share (Cash EPS)
