💡 Did you know?
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.
Bank of India Limited (the Bank) is an India-based company, which is engaged in the business of banking and related services activities. The Bank's segments include treasury, wholesale banking and retail banking. The treasury segment includes investment portfolio that…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, fast-growing business, reasonably priced.
Bank of India is scored on the bank / lender framework. It keeps a healthy 11.8% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 16%/yr and profit at 38%/yr. Book value has grown 14%/yr. Return on equity is a healthy 12.9%. In the latest quarter profit grew 3% versus the prior quarter.
At 6× earnings, the stock sits at the 21st percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-11%/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 | 5.04 | 8.26 | better |
| P/B | 0.73 | 1.18 | better |
| ROE | 12.93 | 13.72 | worse |
| ROA | 0.93 | 1.09 | worse |
| NIM | 2.29 | 2.6 | worse |
| Net NPA | 0.56 | 0.41 | worse |
| CASA | 37.64 | 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. 16% CAGR over 3 years — steady double-digit compounder. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (37% vs 16%) — margin expansion is at work.
Operating margin has expanded from 11% to 16% — the business is keeping more of each rupee earned.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (37% vs 34%) — share dilution is eroding per-share value. 34% 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 0.5× PAT — reported profit isn't translating into cash, raising earnings quality questions. 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 6% sequentially — momentum is building.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 73.4% — heavily owner-operated with strong skin in the game.
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.