Bank of India (BANKINDIA) AI Stock Analysis

• Market Cap: ₹646.71B
• Dividend Yield: 2.75%
• Average Volume (3M): 560.98K
• Price to Earnings (P/E): 6.7
• Beta (1Y): 1.40
• 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 ▼(-0.71% Downside)

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 (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 Money

Bank 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

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: 147.05
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 147.05 is above the 20-day moving average (MA) of 145.50, above the 50-day MA of 134.11, and above the 200-day MA of 115.82, indicating a bullish trend. The MACD of 3.83 indicates Positive momentum. The RSI at 62.43 is Neutral, neither overbought nor oversold. The STOCH value of 47.84 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BANKINDIA	74 Outperform	₹646.71B	6.71	―	2.75%	14.34%	20.97%
MAHABANK	71 Outperform	₹449.65B	7.38	―	2.56%	18.36%	14.53%
AUBANK	69 Neutral	₹656.79B	30.15	―	0.10%	30.73%	14.02%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
YESBANK	68 Neutral	₹719.42B	25.35	―	―	5.15%	52.75%
FEDERALBNK	64 Neutral	₹578.77B	14.80	―	0.47%	10.62%	-5.21%
IDFCFIRSTB	61 Neutral	₹595.14B	42.69	―	0.31%	14.45%	-41.85%

Bank of India Corporate Events

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.

CRISIL Reaffirms Bank of India’s Credit Ratings, Citing Strong Government Support

Bank of India has announced that CRISIL Ratings Limited has reaffirmed its credit ratings for the bank’s Tier I and Tier II bonds, as well as its certificate of deposits. The reaffirmation reflects the bank’s strong support from the Government of India, its majority stakeholder, and its established market position. Despite challenges in asset quality and earnings, the bank’s strategic importance to the government ensures continued backing, which is crucial for maintaining stability in India’s financial sector.

Bank of India Maintains AAA Rating for Tier II Bonds

Bank of India has announced that Infomerics Ratings has reaffirmed the AAA rating with a stable outlook for its BASEL III Compliant Tier II Bonds, amounting to Rs. 1800 crore. This reaffirmation highlights the bank’s strong sovereign ownership, improved earnings profile, and robust market reach, although it faces challenges with modest asset quality and moderate deposit growth. The stable outlook is supported by expectations of continued government backing, growth in advances, and improved asset quality, which are crucial for stakeholders and the bank’s future operations.