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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The Bank of Baroda Limited is engaged in providing banking and financial services in India. Its segments include Treasury, Corporate / Wholesale Banking, Retail Banking, and Other Banking Operations. Its geographical segment includes Domestic Operations and Foreign…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, slow-growing business, reasonably priced.
Bank of Baroda is scored on the bank / lender framework. It keeps a healthy 12.4% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 12%/yr and profit at 10%/yr. Book value itself has compounded 16%/yr — the hallmark of a genuine compounder. Return on equity is a modest 11.0%. In the latest quarter profit grew 322% versus the prior quarter.
At 7× earnings, the stock sits at the 37th percentile of its own 3.6-year range — the middle of where it has historically traded. Today's price asks for only ~-7%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 6.46 | 8.26 | better |
| P/B | 0.74 | 1.18 | better |
| ROE | 11.02 | 13.72 | worse |
| ROA | 1 | 1.09 | worse |
| NIM | 2.64 | 2.6 | better |
| Net NPA | 0.45 | 0.41 | worse |
| CASA | 38.9 | 39.04 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 12% CAGR over 3 years — steady double-digit compounder. Growth is decelerating — latest year grew slower than the year before.
Profit is on a 2-year growth streak.
Operating margin has compressed from 19% to 16% — costs or competition are eating into profitability. Margins have declined for 3 consecutive years — watch for a structural cost problem.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. 10% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Cash conversion at 1.7× PAT — earnings are well-backed by cash; strong accrual quality. Heavy investing spend every year, but operations generate enough to cover it — the business self-funds its growth.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 11% sequentially — momentum is building. Run-rate stepping up — recent quarters average 9% above earlier ones.
Profit jumped 322% QoQ — check if this is operating leverage or a one-off item.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoter holding at 64.0% — majority control intact.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.