ScoreWhy is Bank Of Baroda ?
1
Flat results in Mar 26
- PBT LESS OI(Q) At Rs 1,952.01 cr has Fallen at -15.6% (vs previous 4Q average)
- CASH AND CASH EQUIVALENTS(HY) Lowest at Rs 0.00 cr
- CREDIT DEPOSIT RATIO(HY) Lowest at 0.00%
2
Stock is technically in a Mildly Bearish range
- The stocks MACD and KST technical factors are also Bearish
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Bank Of Baroda for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank Of Baroda
1.13%
0.44
26.84%
Sensex
-3.01%
-0.49
12.94%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
7.86%
Net Profit Growth (5y)
48.25%
Advance to Deposit
81.20%
Capital Adequacy Ratio (Tier 1)
14.16%
Gross NPA (latest)
1.99%
Gross NPA (avg)
3.38%
Coverage Ratio (avg)
76.03%
Cost to Income (avg)
48.49%
Net Interest Margin (avg)
3.03%
Operating Profit to Assets (avg)
3.82%
ROA (avg)
1.01%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Price to Book Value
0.83
PEG Ratio
1.09
Dividend Yield
3.40%
ROE (Latest)
13.39%
ROA (Latest)
1.03%
Net NPA to Book Value
4.52
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
Bullish
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
OPERATING CF(Y)
Highest at Rs 30,975.11 Cr
DPS(Y)
Highest at Rs 8.50
INTEREST EARNED(Q)
Highest at Rs 33,210.72 cr
NII(Q)
Highest at Rs 12,525.09 cr
-16What is not working for the Company
PAT(Q)
At Rs 1,278.39 cr has Fallen at -74.5% (vs previous 4Q average
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 47,742.29 cr
PBT LESS OI(Q)
Lowest at Rs -1,666.38 cr.
NON-OPERATING INCOME(Q)
is 192.37 % of Profit Before Tax (PBT
EPS(Q)
Lowest at Rs 2.47
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Here's what is working for Bank Of Baroda
Operating Cash Flow - Annually
Highest at Rs 30,975.11 Cr and Grown
each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 33,210.72 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 12,525.09 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Dividend per Share (DPS) - Annually
Highest at Rs 8.50 and Grown
each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
Here's what is not working for Bank Of Baroda
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -1,666.38 cr has Fallen at -171.3% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 2,338.33 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 1,278.39 cr has Fallen at -74.5% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 5,005.27 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs -1,666.38 cr.
in the last five quartersMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 192.37 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Earnings per Share (EPS) - Quarterly
Lowest at Rs 2.47
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 47,742.29 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
