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Bank of India (IN:BANKINDIA)
:BANKINDIA
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Bank of India (BANKINDIA) AI Stock Analysis

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IN:BANKINDIA

Bank of India

(BANKINDIA)

Rating:69Neutral
Price Target:
₹124.00
▲(9.15% Upside)
Bank of India's stock score is primarily driven by its strong valuation metrics, suggesting potential undervaluation. Financial performance shows growth potential but is offset by high leverage and cash flow issues. Technical indicators are neutral, indicating no strong momentum.

Bank of India (BANKINDIA) vs. iShares MSCI India ETF (INDA)

Bank of India Business Overview & Revenue Model

Company DescriptionBank of India (BANKINDIA) is a prominent public sector bank based in India, providing a wide range of banking and financial services to individuals, businesses, and institutions. Established in 1906, the bank operates in various sectors, including retail banking, corporate banking, international banking, and treasury operations. It offers core products and services such as savings and current accounts, fixed deposits, loans, credit cards, investment services, and wealth management solutions.
How the Company Makes MoneyBank of India generates revenue through multiple streams. Primarily, it earns income from interest on loans and advances provided to individuals and businesses, which constitutes a significant portion of its revenue. The bank also earns through fees and commissions from various services such as processing fees on loans, credit card charges, and transaction fees on retail and corporate banking services. Additionally, Bank of India invests in government securities and other financial instruments, earning interest and trading income. The bank's international operations, including foreign exchange services and trade financing, also contribute to its revenue. Partnerships with financial institutions for co-branded products and services, as well as collaborations in digital banking initiatives, further enhance its revenue stream.

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
75
Positive
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
68
Positive
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
60
Neutral
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue667.14B297.68B672.06B204.72B177.44B142.84B
Gross Profit324.52B297.68B294.49B263.60B215.33B207.39B
EBITDA125.58B131.62B107.02B65.25B59.37B36.58B
Net Income95.48B95.48B65.64B38.38B34.93B20.83B
Balance Sheet
Total Assets10.56T10.56T9.24T8.26T7.43T7.33T
Cash, Cash Equivalents and Short-Term Investments1.01T1.01T831.23B846.83B915.58B1.27T
Total Debt1.24T1.24T1.28T1.17T642.23B771.34B
Total Liabilities9.76T9.76T8.54T7.65T6.86T6.83T
Stockholders Equity807.26B807.26B705.81B604.33B565.22B499.80B
Cash Flow
Free Cash Flow0.00-613.83B-52.87B-76.68B-360.59B375.19B
Operating Cash Flow0.00-606.60B-44.37B-70.45B-354.87B378.68B
Investing Cash Flow0.00-8.54B-9.91B-5.21B-6.44B-1.82B
Financing Cash Flow0.00792.29B722.85B5.41B11.46B23.98B

Bank of India Technical Analysis

Technical Analysis Sentiment
Positive
Last Price113.60
Price Trends
50DMA
114.44
Negative
100DMA
113.89
Negative
200DMA
107.18
Positive
Market Momentum
MACD
-0.36
Positive
RSI
50.74
Neutral
STOCH
40.48
Neutral
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 113.6 is above the 20-day moving average (MA) of 113.18, below the 50-day MA of 114.44, and above the 200-day MA of 107.18, indicating a neutral trend. The MACD of -0.36 indicates Positive momentum. The RSI at 50.74 is Neutral, neither overbought nor oversold. The STOCH value of 40.48 is Neutral, 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
69
Neutral
₹514.00B5.42
3.56%18.55%31.54%
68
Neutral
$17.88B11.6610.24%3.76%9.66%1.70%
₹528.59B24.15
0.14%
57
Neutral
₹470.94B11.73
0.63%15.26%-1.94%
51
Neutral
₹509.82B39.58
0.35%17.19%-57.11%
₹403.27B6.87
2.86%
60
Neutral
₹613.59B23.31
9.29%77.92%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:BANKINDIA
Bank of India
112.15
0.41
0.37%
IN:AUBANK
AU Small Finance Bank Limited
695.20
-7.33
-1.04%
IN:FEDERALBNK
Federal Bank Ltd. (India)
193.15
10.95
6.01%
IN:IDFCFIRSTB
IDFC First Bank Ltd.
72.26
-1.18
-1.61%
IN:MAHABANK
Bank of Maharashtra
52.06
-6.35
-10.87%
IN:YESBANK
Yes Bank Limited
20.36
-2.78
-12.01%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Sep 04, 2025