āagman

Not investment advice. Data and computed figures, for information only.

Bank of India

NSE: BANKINDIAF&O
₹132.36
+₹1.96 (+1.50%)
NSE · 16 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹61,215 Cr
CMP
₹132.36
52-wk High / Low
₹178 / 122
P/E
5.2
P/B
0.7
Book Value
₹200.0
Div Yield
3.46%
ROCE
5.9%
ROE
12.0%
Face Value
₹10
D/E
11.67

Price+4.3% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 15 quarters of filings. Not reported by the company.
As of 16 Oct 2026
How we compute these
Piotroski F-Score
4
/ 9
4 of 9 F-score tests passed
Graham Number
₹319
√(22.5 × EPS × book value per share)
Cash flow to profit
0.46
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
9.8%
ROE × earnings retention ratio
ROE stability
2.4
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII −0.39DII +0.00
Latest quarter vs the previous one
Cash-accrual divergence
0.5%
of assets
Low = accruals track cash flow
Strengths
+FII holding rose by 4.2pp over the last year
+PE of 5.2x is below the sector median of 20.4x
Watch-outs
−Latest ROCE of 5.9% trails the sector median of 9.4%
−Borrowings are up 132.1% since FY2016 (51103 to 118626)
−Price trades below its 200-day moving average (0.9x)
−Promoter holding fell by 8.0pp over the last year

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Consolidated basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales14,44215,06215,31916,25017,04617,46618,31718,47918,46718,52119,05219,57320,097
Expenses4,5794,5464,1906,0415,2695,4564,4856,0505,3994,8495,2015,9895,390
Operating Profit—————————————
OPM %—————————————
Other Income1,4841,7171,2021,8301,3382,5321,7803,4551,6922,2182,3273,2802,615
Interest8,4679,2569,79210,24210,69311,40312,16612,33312,32112,53012,50412,78513,156
Depreciation0000000000000
Profit before tax2,8802,9772,5391,7972,4223,1383,4473,5512,4393,3613,6744,0794,167
Net Profit1,5621,4991,9311,5741,8902,4222,6382,6021,8312,5762,8143,0893,304
EPS (₹)3.813.654.243.464.155.325.795.724.025.666.186.787.25

Profit & Loss

As of 30 Jun 2026
Consolidated · ₹ Cr · 12 years + TTM
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales43,68542,09339,58538,31341,00542,59140,85438,28147,93261,07371,30875,61377,244
Expenses13,60019,84221,21824,61826,87426,38617,67216,26321,17718,84820,65620,70821,429
Operating Profit—————————————
OPM %—————————————
Other Income4,2783,6726,8195,8464,8626,6876,7788,0927,1686,4159,3179,73710,441
Interest32,22030,24527,60627,67927,20727,19126,42124,08327,44137,75746,59450,13950,975
Depreciation291290−75223733923803724275096047310
Profit before tax1,852−4,612−2,412−8,660−8,587−4,6923,1605,6556,05610,37512,77113,77315,281
Net Profit2,015−6,276−1,492−5,982−5,426−3,0512,0813,4873,8396,5679,55210,30911,783
EPS (₹)30.27−75.98−13.94−34.20−19.67−9.316.368.519.3514.4220.9722.6425.87

Balance Sheet

As of 30 Jun 2026
Consolidated · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital6668171,0551,7442,7603,2783,2784,1044,1044,5534,5534,553—
Reserves31,85732,52832,57435,01344,89241,79546,70352,41856,32966,02876,17285,405—
Other Liabilities18,04616,45716,55311,83316,40920,80521,24429,80728,39332,12732,02439,980—
Total Liabilities6,25,1506,16,6286,32,0266,15,1846,30,8816,63,0177,32,7867,43,1318,26,0369,24,28010,56,42511,79,538—
Fixed Assets5,8028,3828,3498,1928,7998,7658,6379,5709,95010,17811,86511,670—
CWIP113191197158200293364286110150182207—
Investments1,23,1961,22,6211,30,7511,40,3211,50,9051,62,3231,91,6931,80,2742,11,3242,34,5922,68,0022,79,084—
Other Assets4,96,0404,85,4354,92,7294,66,5134,70,9774,91,6365,32,0925,53,0016,04,6526,79,3617,76,3768,88,577—
Total Assets6,25,1506,16,6286,32,0266,15,1846,30,8816,63,0177,32,7867,43,1318,26,0369,24,28010,56,42511,79,538—
Deposits5,36,9325,15,7225,42,3525,22,9975,22,5555,57,3866,29,0986,29,9816,72,1947,40,6118,19,8069,30,973—
Borrowing37,64951,10339,49143,59844,26539,75232,46426,82165,01580,9601,23,8691,18,626—

Cash Flows

As of 31 Mar 2026
Consolidated · ₹ Cr
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity6,45214,63818,311−6,624−7,366−9,218−4,82737,868−35,487−7,045−4,43718,5344,753
Cash from Investing Activity−814−755−609−371−26071−232−182−644−521−991−854−329
Cash from Financing Activity7451,2954,8643,9557,1857,983−3,1922,3981,1465413,86834−5,672
Net Cash Flow6,38315,17922,566−3,040−440−1,164−8,25140,085−34,985−7,026−1,56017,714−1,248

Ratios

As of 31 Mar 2026
13 periods
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %————————————5.9
ROE %11.06.0−19.0−4.0−17.0−14.0−7.04.06.06.010.012.012.0
EPS (₹)46.5030.27−75.98−13.94−34.20−19.67−9.316.368.519.3514.4220.9722.64
Book Value (₹)————————————200.0
Face Value (₹)————————————10
P/E————————————5.2
Div Yield %————————————3.46
NPM %—4.2−13.7−3.2−13.5−11.8−6.24.47.57.09.711.812.1
OPM %—————————————
D/E—17.6717.0017.3015.4111.8913.2513.2411.6212.2011.6411.6911.67
P/B————————————0.7

Growth

As of 11 Oct 2026
Compounded sales growth
10 years+6.0%
5 years+13.0%
3 years+16.0%
TTM+6.0%
Compounded profit growth
10 years+14.0%
5 years+39.0%
3 years+42.0%
TTM+19.0%
Stock price CAGR
10 years+2.0%
5 years+18.0%
3 years+8.0%
Last year+6.0%
Return on equity
10 years3.0%
5 years10.0%
3 years12.0%
Last year12.0%

Shareholding pattern

As of 31 Mar 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters73.72%73.72%83.09%87.05%89.10%89.10%81.41%81.41%73.38%73.38%73.38%73.38%
FIIs2.55%2.55%1.19%0.70%0.40%0.48%0.72%2.67%4.52%3.88%7.26%6.87%
DIIs16.33%16.33%11.67%7.32%5.82%5.11%11.07%10.36%15.82%15.90%13.96%13.96%
Government————————————
Public7.40%7.40%4.04%4.93%4.68%5.31%6.80%5.57%6.27%6.83%5.40%5.78%
No. of shareholders2,86,0142,86,0142,65,3743,14,1143,33,3824,10,3055,12,5524,77,5686,17,2387,26,1676,26,1895,95,832
Change since Jun 2023 (pp)
Promoters −0.34FIIs +4.32DIIs −2.37Public −1.62

Documents

As of 11 Oct 2026
Announcements
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Announcement under Regulation 30 (LODR)-Interest Rates UpdatesHalf Yearly Statement Of Outstanding Bonds As On 30.09.2026Provisional Business Figures For Q2 FY27Announcement under Regulation 30 (LODR)-Credit Rating
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Sep 2026PPTJul 2026TranscriptJul 2026PPTJul 2026RecordingMay 2026TranscriptMay 2026PPTJan 2026TranscriptJan 2026PPTJan 2026PPT

Corporate actions

As of 29 May 2026
29 May 2026DIVIDENDDividend - Rs 4.65 Per Share—
20 Jun 2025DIVIDENDDividend - Rs 4.05 Per Share—
18 Jun 2024DIVIDENDAnnual General Meeting/Dividend - Rs 2.80 Per Share—
20 Jun 2023DIVIDENDDividend - Rs 2 Per Share—
7 Jul 2022DIVIDENDAnnual General Meeting/Dividend - Rs 2 Per Share—
10 Jul 2015DIVIDENDAnnual General Meeting/Dividend Rs 5/- Per Share—
23 Jan 2014DIVIDENDInterim Dividend - Rs 5/- Per Share (Purpose Revised)—
20 Jun 2013DIVIDENDAnnual General Meeting / Dividend - Rs.10/- Per Equity Share—
21 Jun 2012DIVIDENDAnnual General Meeting/Dividend Rs 7 Per Share—
7 Jul 2011DIVIDENDAnnual General Meeting And Dividend Rs.7/- Per Share—
8 Jul 2010DIVIDENDAnnual General Meeting And Dividend Rs.7/- Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman