Bank of India
BANKINDIA · Banking · NSE
₹146
Current Market Price
Fair Value (P/B + Residual Income)
₹187
Discount to FV
+28.5%
Updated just now
YieldIQ Score
65/100
Piotroski F-Score
7/9
Economic Moat
Moderate
Confidence
90%
ROE
11.5%
Debt/Equity
1.19
Cost of Equity
11.4%
Market Cap
₹66,323 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
Revenue CAGR (3Y)
7.8%
3-year revenue growth
Revenue CAGR (5Y)
11.4%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹145.68
Bear case
Margin of Safety -12.6%
Implied upside -11.2%
Base case
Margin of Safety +18.1%
Implied upside +22.2%
Bull case
Margin of Safety +28.6%
Implied upside +40.1%
Ratio Trends
BANKINDIA · last 7 annual periods
ROE
11.5%
ROCE
—
Operating Margin
—
Debt / Equity
1.19×
PE
6.1×
EV / EBITDA
—
Historical Financials
BANKINDIA · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 yfinance | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹21.5K Cr | ₹26.4K Cr | ₹29.4K Cr | ₹31.5K Cr | ₹32.6K Cr | +10.9% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | ₹3493 Cr | ₹3838 Cr | ₹6564 Cr | ₹9548 Cr | ₹10.3K Cr | +31.1% |
| EPS (diluted) | — | ₹9.35 | ₹15.48 | — | — | +13.4% |
| CFO | ₹-35.3K Cr | ₹-7045 Cr | ₹-4437 Cr | ₹18.5K Cr | ₹4753 Cr | — |
| CapEx | ₹-569 Cr | ₹-623 Cr | ₹-851 Cr | ₹-723 Cr | ₹-890 Cr | — |
| FCF | ₹-35.9K Cr | ₹-7668 Cr | ₹-5287 Cr | ₹17.8K Cr | ₹3863 Cr | — |
| Total Assets | ₹734.6K Cr | ₹826.0K Cr | ₹924.3K Cr | ₹1056.4K Cr | ₹1179.6K Cr | +12.6% |
| Total Debt | ₹23.2K Cr | ₹62.3K Cr | ₹66.5K Cr | ₹93.9K Cr | ₹106.6K Cr | +46.4% |
| Shareholders' Equity | ₹55.1K Cr | ₹60.4K Cr | ₹70.6K Cr | ₹80.7K Cr | ₹90.0K Cr | +13.0% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
BANKINDIA vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 MAHABANK Bank of Maharashtra | -44.7%-30.9% upside | 45 | Above Fair Value | 21.1% | 6.7× |
 IOB IOB | — | — | Pending | 14.6% | 11.2× |
 INDIANB Indian Bank | -21.8%-17.9% upside | 65 | Near Fair Value | 14.6% | 9.7× |
 CANBK Canara Bank | +24.1%+31.8% upside | 50 | Near Fair Value | 16.7% | 5.7× |
 PNB PNB | — | — | Pending | 13.8% | — |
Click a ticker to view its fair-value analysis.
Dividend History
5 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹15.50/sh
Last payout
2026-05-29
₹4.65
Peak payout
₹4.65
Trailing yield
5.97%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Bank of India (BANKINDIA.NS) trades at 145.68 vs a model fair value of 187.18, a gap of 28.5%. Piotroski F-score: 7/9. Moat label: Modera...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of BANKINDIA →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for BANKINDIA →
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Head-to-head with peers
Compare BANKINDIA side by side →
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P/B + Residual Income breakdown, peer comparison, and more.
Analyse BANKINDIANow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.