Bank of India (BANKINDIA) AI Stock Analysis

• Market Cap: ₹646.25B
• Dividend Yield: 2.83%
• Average Volume (3M): 560.98K
• Price to Earnings (P/E): 6.7
• Beta (1Y): 1.39
• Revenue Growth: 14.34%
• EPS Growth: 20.97%
• Country: IN
• Employees: 50,944
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 5.80
• Shares Outstanding: 4,552,668,000
• 10 Day Avg. Volume: 872,103
• 30 Day Avg. Volume: 560,982
• PEG Ratio: 0.15
• Price to Book (P/B): 0.62
• Price to Sales (P/S): 1.69
• P/FCF Ratio: -0.82
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: ₹146.00 ▲(2.64% Upside)

Bank of India's stock is supported by strong technical indicators and an attractive valuation, making it appealing for growth and income investors. However, financial performance highlights the need for improved cash flow management and leverage reduction to ensure long-term stability.

Positive Factors

Revenue Growth

Consistent revenue growth indicates expanding market reach and effective business operations, supporting long-term resilience and potential for expansion.

Strong Equity Position

A strong equity position provides a buffer against liabilities, enhancing financial stability and enabling strategic investments for growth.

Gross Profit Margin

High gross profit margins indicate efficient cost management, supporting sustainable profitability and competitive pricing strategies.

Negative Factors

High Leverage

High leverage can increase financial risk, potentially impacting the bank's ability to manage debt obligations and invest in growth opportunities.

Cash Flow Challenges

Poor cash flow management can strain liquidity, limiting the bank's ability to fund operations and growth initiatives without relying on external financing.

Moderate Net Profit Margin

Moderate net profit margins indicate potential inefficiencies, highlighting the need for operational improvements to enhance overall profitability.

Bank of India Business Overview & Revenue Model

Company Description

Bank of India Limited provides various banking products and services. It operates through Treasury Operations, Wholesale Banking, and Retail Banking segments. The company accepts various deposit products, such as savings, salary, current, term, and tax saving deposits. It also offers home, education, vehicle, personal, pensioner, and top-up loans, as well as loan for Pradhan Mantri Awas Yojana and against property; housing loans to NRIs/PIOs; overdraft against securities; loans against FCNR deposits; and loans for corporate and MSME customers. In addition, the company provides cash management services; trade finance; online share trading services; insurance products and services; mutual fund products; portfolio management services; credit, debit, and prepaid cards; and remittance, online banking and payment, online income tax return, and ATM and other kiosk services, as well as cards, loans, and services to rural customers. As of March 31, 2022, it operated 5,105 branches in India; and 22 branches and 1 representative office internationally. The company was incorporated in 1906 and is headquartered in Mumbai, India.

How the Company Makes Money

Bank of India generates revenue primarily through interest income and fee-based income. The majority of its earnings come from the interest spread between the loans it provides and the deposits it collects. The bank offers various loan products, including personal loans, home loans, and business loans, which attract interest payments from borrowers. Additionally, Bank of India earns fee-based income from services such as account maintenance fees, transaction fees, and commissions from financial products like insurance and mutual funds. The bank has also established partnerships with other financial institutions and technology companies to enhance its service offerings and expand its customer base, contributing further to its revenue streams.

Bank of India Financial Statement Overview

Summary

Bank of India shows robust revenue growth and a strong equity position, indicating resilience and potential for expansion. However, high leverage and cash flow challenges need attention to ensure sustainable financial health.

Income Statement

Bank of India has demonstrated strong revenue growth with a significant increase from the previous year, indicating positive momentum. The gross profit margin is consistently high, reflecting effective cost management. However, the net profit margin is moderate, suggesting room for improving profitability. The EBIT and EBITDA margins are solid but show fluctuations over the years, highlighting potential operational efficiencies that could be enhanced.

Balance Sheet

The balance sheet reflects a stable equity position with an acceptable equity ratio, providing a buffer against liabilities. Despite this, the debt-to-equity ratio is relatively high, indicating substantial leverage, which could pose risks if not managed carefully. Return on equity is strong, demonstrating effective use of equity to generate profits.

Cash Flow

The company faces challenges in cash flow management, with negative operating and free cash flows suggesting liquidity issues. This is offset by strong financing cash flows, indicating reliance on external funding. The ratios of cash flow to net income reveal that earnings are not translating effectively into cash, a potential area for improvement.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	827.85B	804.92B	672.06B	538.01B	456.17B	471.60B
Gross Profit	345.63B	338.97B	294.49B	263.60B	215.33B	207.39B
EBITDA	125.75B	131.62B	107.02B	65.25B	59.37B	25.79B
Net Income	94.90B	95.48B	65.64B	38.38B	34.93B	20.83B
Balance Sheet
Total Assets	10.80T	10.56T	9.24T	8.26T	7.43T	7.33T
Cash, Cash Equivalents and Short-Term Investments	1.05T	1.01T	831.23B	846.83B	536.25B	1.27T
Total Debt	1.28T	1.24T	1.28T	1.17T	642.23B	771.34B
Total Liabilities	9.99T	9.76T	8.54T	7.65T	6.86T	6.83T
Stockholders Equity	809.22B	807.26B	705.81B	604.33B	565.22B	499.80B
Cash Flow
Free Cash Flow	0.00	-613.83B	-52.87B	-76.68B	-360.59B	375.19B
Operating Cash Flow	0.00	-606.60B	163.93B	-70.45B	-354.87B	378.68B
Investing Cash Flow	0.00	-8.54B	-9.91B	-5.21B	-6.44B	-1.82B
Financing Cash Flow	0.00	792.29B	722.85B	5.41B	11.46B	23.98B

Bank of India Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 142.25
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:BANKINDIA, the sentiment is Positive. The current price of 142.25 is below the 20-day moving average (MA) of 143.15, above the 50-day MA of 140.10, and above the 200-day MA of 119.13, indicating a bullish trend. The MACD of 0.09 indicates Positive momentum. The RSI at 52.94 is Neutral, neither overbought nor oversold. The STOCH value of 84.95 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:BANKINDIA.

Bank of India Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BANKINDIA	74 Outperform	₹646.25B	6.70	―	2.83%	14.34%	20.97%
MAHABANK	71 Outperform	₹436.50B	7.17	―	2.65%	18.36%	14.53%
AUBANK	69 Neutral	₹739.27B	33.92	―	0.10%	30.73%	14.02%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
YESBANK	68 Neutral	₹676.48B	23.71	―	―	5.15%	52.75%
FEDERALBNK	64 Neutral	₹642.16B	16.41	―	0.46%	10.62%	-5.21%
IDFCFIRSTB	61 Neutral	₹721.58B	44.21	―	0.30%	14.45%	-41.85%

Bank of India Corporate Events

Shri Prabodh Parikh Assumes Role as Shareholder’s Director at Bank of India

Bank of India has announced that Shri Prabodh Parikh has assumed the position of Shareholder’s Director as of November 29, 2025. This appointment is set for a three-year term, concluding on November 28, 2028. The appointment of Shri Parikh is a strategic move that could potentially influence the bank’s governance and stakeholder relations, as his role is crucial in representing shareholder interests.

Bank of India Appoints New Executive Director to Drive Growth

Bank of India announced the appointment of Shri Pramod Kumar Dwibedi as Executive Director, effective from November 24, 2025. With over 30 years of experience in banking, Dwibedi has held various roles, significantly contributing to business development and structural upgrades in banking operations. His expertise is expected to enhance the bank’s focus on corporate customers and drive growth in key business areas.

Bank of India Releases Half-Yearly Bond Statement

Bank of India has submitted its half-yearly statement of outstanding bonds as of September 30, 2025, in compliance with SEBI regulations. The statement details various bonds issued by the bank, including their maturity dates, coupon rates, and credit ratings, reflecting the bank’s stable financial position and commitment to transparency with stakeholders.