Bank of India (IN:BANKINDIA)
:BANKINDIA
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Bank of India
(BANKINDIA)
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Rating:67Neutral
Price Target:
₹156.00
▲(4.59% Upside)
Action:Downgraded
Date:05/12/26
The score is driven primarily by improved profitability and scale, tempered by inconsistent cash-flow generation and leverage risk. Attractive valuation (low P/E and a healthy dividend) provides meaningful support, while weak-to-neutral technical momentum limits the upside in the near term.
Positive Factors
Revenue & Net Income Growth
Sustained multi-year revenue and net income expansion demonstrates durable scale gains and stronger earnings power. That trajectory supports reinvestment, improved ROE and franchise competitiveness, making future loan growth and fee expansion more financially sustainable.
Negative Factors
Volatile Cash Generation
Highly variable operating and free cash flow undermines predictability of internally funded growth and capital returns. Persistent swings force dependence on external funding or capital actions, which can constrain investment, dividend policy and credit risk management over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Net Income Growth
Sustained multi-year revenue and net income expansion demonstrates durable scale gains and stronger earnings power. That trajectory supports reinvestment, improved ROE and franchise competitiveness, making future loan growth and fee expansion more financially sustainable.
Read all positive factors
Bank of India (BANKINDIA) vs. iShares MSCI India ETF (INDA)
Market Cap
₹633.73B
Dividend Yield2.87%
Average Volume (3M)560.98K
Price to Earnings (P/E)6.0
Beta (1Y)1.15
Revenue Growth6.51%
EPS Growth7.93%
CountryIN
Employees50,944
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)21.19
Shares Outstanding4,552,668,000
10 Day Avg. Volume872,103
30 Day Avg. Volume560,982
Financial Highlights & Ratios
PEG Ratio0.76
Price to Book (P/B)0.69
Price to Sales (P/S)0.74
P/FCF Ratio3.57
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)22.39
Revenue Forecast (FY)₹381.70B
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...
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...
Bank of India Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
67
Positive
Cash Flow
44
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 835.28B | 846.12B | 804.92B | 672.06B | 538.01B | 456.17B |
| Gross Profit | 259.69B | 310.09B | 338.97B | 294.49B | 263.60B | 215.33B |
| EBITDA | 127.98B | 142.84B | 131.62B | 107.02B | 65.25B | 59.45B |
| Net Income | 96.45B | 103.06B | 95.48B | 65.64B | 38.38B | 34.93B |
Balance Sheet | ||||||
| Total Assets | 10.92T | 11.80T | 10.56T | 9.24T | 8.26T | 7.43T |
| Cash, Cash Equivalents and Short-Term Investments | 876.00B | 995.89B | 1.01T | 831.23B | 846.83B | 536.25B |
| Total Debt | 1.18T | 1.19T | 1.24T | 1.28T | 1.17T | 642.23B |
| Total Liabilities | 10.08T | 10.89T | 9.76T | 8.54T | 7.65T | 6.86T |
| Stockholders Equity | 835.36B | 899.59B | 807.26B | 705.81B | 604.33B | 565.22B |
Cash Flow | ||||||
| Free Cash Flow | -481.34B | 174.71B | -613.83B | -52.87B | -76.68B | -360.59B |
| Operating Cash Flow | -477.85B | 183.61B | -606.60B | 163.93B | -70.45B | -354.87B |
| Investing Cash Flow | 2.52B | -1.27T | -8.54B | -9.91B | -5.21B | -6.44B |
| Financing Cash Flow | 342.96B | 1.08T | 792.29B | 722.85B | 5.41B | 11.46B |
Bank of India Technical Analysis
Negative
149.15
Price Trends
146.08
Negative
152.36
Negative
140.06
Negative
Market Momentum
-2.17
Positive
43.19
Neutral
16.46
Positive
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 above the 20-day moving average (MA) of 142.65, above the 50-day MA of 146.08, and above the 200-day MA of 140.06, indicating a bearish trend. The MACD of -2.17 indicates Positive momentum. The RSI at 43.19 is Neutral, neither overbought nor oversold. The STOCH value of 16.46 is Positive, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | ₹605.63B | 5.76 | ― | 2.60% | 15.57% | 21.59% | |
69 Neutral | ₹707.15B | 11.92 | ― | 0.45% | 7.00% | 4.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ₹633.73B | 6.05 | ― | 2.87% | 6.51% | 7.93% | |
67 Neutral | ₹729.28B | 18.93 | ― | 0.10% | 16.04% | 25.01% | |
60 Neutral | ₹690.37B | 12.68 | ― | ― | 0.59% | 42.80% | |
56 Neutral | ₹587.17B | 39.59 | ― | 0.29% | 11.37% | -3.10% |
* Financial Sector Average
IN:BANKINDIA
Bank of India
139.20
25.43
22.35%
IN:AUBANK
AU Small Finance Bank Limited
974.25
282.11
40.76%
IN:FEDERALBNK
Federal Bank Ltd. (India)
289.85
90.41
45.33%
IN:IDFCFIRSTB
IDFC First Bank Ltd.
68.21
1.75
2.63%
IN:MAHABANK
Bank of Maharashtra
78.74
28.27
56.01%
IN:YESBANK
Yes Bank Limited
22.00
1.01
4.81%
Bank of India Corporate Events
Bank of India Keeps Key Lending Benchmarks Unchanged, Adjusts Fixed Rate Spread
Apr 29, 2026
Bank of India has announced that its Marginal Cost of Fund based Lending Rate and Repo Based Lending Rate will remain unchanged from 1 May 2026, maintaining stability in its benchmark-linked lending costs across various maturities. The unchanged b...
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.