Bank of India (BANKINDIA) AI Stock Analysis

• Market Cap: ₹659.91B
• Dividend Yield: 2.87%
• Average Volume (3M): 560.98K
• Price to Earnings (P/E): 5.8
• Beta (1Y): 1.24
• Revenue Growth: 14.34%
• EPS Growth: 20.97%
• Country: IN
• Employees: 50,944
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 5.90
• 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): 0.62
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 20.96
• Revenue Forecast (FY): ₹349.11B

• Rating: 74 Outperform
• Price Target: ₹163.00 ▲(9.29% Upside)
• Action: Reiterated Date: 02/27/26
• Date: Action: Reiterated 02/27/26

The score is driven primarily by mixed financial performance—strong revenue/margin trends but elevated leverage and weak cash-flow conversion—alongside constructive technical momentum and favorable valuation (low P/E with a meaningful dividend yield).

Positive Factors

Diversified retail, SME and corporate franchise

A wide product mix across retail, MSME, agriculture and corporate lending diversifies revenue sources and fee income. This reduces single-segment concentration, supports steady net interest income through lending cycles, and underpins durable deposit and transaction franchises.

Negative Factors

Elevated leverage (high debt-to-equity)

Relatively high leverage raises sensitivity to credit shocks and interest-rate moves, constraining capital flexibility. Elevated debt levels can increase funding costs and limit strategic options, making the bank more vulnerable during economic downturns and regulatory capital demands.

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, an...

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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, an...

How the Company Makes Money

Bank of India primarily earns money through (1) net interest income and (2) fee and other income. Net interest income is generated from the spread between interest earned on interest-earning assets—mainly loans and advances to retail, MSME, agricu...

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Bank of India primarily earns money through (1) net interest income and (2) fee and other income. Net interest income is generated from the spread between interest earned on interest-earning assets—mainly loans and advances to retail, MSME, agricu...

Bank of India Financial Statement Overview

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	835.28B	804.92B	672.06B	538.01B	456.17B	471.60B
Gross Profit	259.69B	338.97B	294.49B	263.60B	215.33B	207.39B
EBITDA	127.98B	131.62B	107.02B	65.25B	59.37B	25.79B
Net Income	96.45B	95.48B	65.64B	38.38B	34.93B	20.83B
Balance Sheet
Total Assets	10.92T	10.56T	9.24T	8.26T	7.43T	7.33T
Cash, Cash Equivalents and Short-Term Investments	876.00B	1.01T	831.23B	846.83B	536.25B	1.27T
Total Debt	1.18T	1.24T	1.28T	1.17T	642.23B	771.34B
Total Liabilities	10.08T	9.76T	8.54T	7.65T	6.86T	6.83T
Stockholders Equity	835.36B	807.26B	705.81B	604.33B	565.22B	499.80B
Cash Flow
Free Cash Flow	-481.34B	-613.83B	-52.87B	-76.68B	-360.59B	375.19B
Operating Cash Flow	-477.85B	-606.60B	163.93B	-70.45B	-354.87B	378.68B
Investing Cash Flow	2.52B	-8.54B	-9.91B	-5.21B	-6.44B	-1.82B
Financing Cash Flow	342.96B	792.29B	722.85B	5.41B	11.46B	23.98B

Bank of India Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 149.15
• 50DMA: Negative
• 100DMA: Negative
• 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 Negative. The current price of 149.15 is below the 20-day moving average (MA) of 155.75, below the 50-day MA of 160.79, and above the 200-day MA of 135.48, indicating a neutral trend. The MACD of -4.76 indicates Positive momentum. The RSI at 38.57 is Neutral, neither overbought nor oversold. The STOCH value of 32.92 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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	₹659.91B	5.82	―	2.87%	14.34%	20.97%
MAHABANK	71 Outperform	₹495.80B	6.63	―	2.60%	18.36%	14.53%
AUBANK	69 Neutral	₹660.76B	27.81	―	0.10%	30.73%	14.02%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
YESBANK	68 Neutral	₹568.60B	17.71	―	―	5.15%	52.75%
FEDERALBNK	61 Neutral	₹656.41B	15.03	―	0.45%	10.62%	-5.21%
IDFCFIRSTB	61 Neutral	₹531.73B	38.44	―	0.29%	14.45%	-41.85%

Bank of India Corporate Events