BANKBARODA Intrinsic Valuation and Fundamental Analysis - Bank of Baroda Ltd - Alpha Spread

Bank of Baroda Ltd
NSE:BANKBARODA

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Bank of Baroda Ltd Logo
Bank of Baroda Ltd
NSE:BANKBARODA
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Price: 242.42 INR -1.48% Market Closed
Market Cap: 1.3T INR
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Intrinsic Value

The intrinsic value of one BANKBARODA stock under the Base Case scenario is 397.73 INR. Compared to the current market price of 242.42 INR, Bank of Baroda Ltd is Undervalued by 39%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

BANKBARODA Intrinsic Value
397.73 INR
Undervaluation 39%
Intrinsic Value
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Bank of Baroda Ltd

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Business Breakdown

Bank of Baroda Ltd., established in 1908, is one of India's largest public sector banks, radiating a sense of stability and reliability in a dynamic financial landscape. With a sprawling network of over 9,500 branches and presence in over 20 countries, the bank serves millions of customers. Its journey began in the culturally rich city of Baroda, and since then, it has evolved into a crucial player in the Indian banking sector by adapting to changing customer needs and leveraging technology to enhance service delivery. The bank offers a comprehensive suite of financial products, including retail and corporate banking, insurance, mutual funds, and investment services, solidifying its position...

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Bank of Baroda Ltd

Net Loans 10.7T
Investments 4.5T
PP&E 79.7B
Intangibles 9.1B
Other Assets 1.2T
Total Deposits 13.3T
Long Term Debt 1T
Other Liabilities 885.3B
Earnings Calls

Bank of Baroda posted an 8.1% growth in advances, with domestic advances up by 8.5%. Retail loans surged by 21%, driven by home loans up 14.7% and auto loans up 25%. Operating profit dipped 8.5% due to lower treasury income, while net profit rose 9.5% to INR 4,450 crores. CASA deposits grew 6%, maintaining a 40.62% ratio. With a robust RoA of 1.13% and decreased GNPA to 2.88%, the bank reaffirmed its guidance for FY24, targeting 10-12% deposit growth and 12-14% advance growth.

What is Earnings Call?

Wall St
Price Targets

BANKBARODA Price Targets Summary
Bank of Baroda Ltd

Wall Street analysts forecast BANKBARODA stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for BANKBARODA is 292.33 INR with a low forecast of 191.9 INR and a high forecast of 346.5 INR.

Lowest
Price Target
191.9 INR
21% Downside
Average
Price Target
292.33 INR
21% Upside
Highest
Price Target
346.5 INR
43% Upside
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Dividends

Dividend Yield
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Dividend Per Share
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0
25
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100
Previous Payment
-
Today
Next Payment
-
Today
Oct 13, 2024
Previous Payment
-
Next Payment
-
Ex-Dividend Date
-
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Shareholder Yield

Current shareholder yield for BANKBARODA is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Profile

Bank of Baroda Ltd Logo
Bank of Baroda Ltd

Country

India

Industry

Banking

Market Cap

1.3T INR

Dividend Yield

3.14%

Description

Bank of Baroda engages in the provision of commercial banking services. The company is headquartered in Mumbai, Maharashtra and currently employs 79,173 full-time employees. Its segments include Treasury, Corporate / Wholesale Banking, Retail Banking and Other Banking Operations. Its geographical segment includes Domestic Operations and Foreign Operations. The company offers personal banking services, which include savings accounts, current accounts, and term deposits. The company provides a range of digital products, which includes instant banking, such as Internet banking, mobile banking, cards, WhatsApp banking, digital signage systems (DSS), self-service passbook printers, and automated teller machines (ATMs). The company offers a range of loans, such as home loan, personal loan, vehicle loan, fintech, education loan, and gold loan. The company provides merchant payment solutions, Baroda DigiNext Cash Management Services, BarodaINSTA SmartTrade, Bharat Bill Pay, Bhim Adhaar Baroda Pay and Internet Payment Gateway. The company has 8,185 branches and 11,535 ATMs and cash recyclers supported by self-service channels..

Contact

MAHARASHTRA
Mumbai
07 floor, Baroda Corporate Centre,, Plot No. C-26, G-Block,, Bandra Kurla Complex,
+912266985812
www.bankofbaroda.com

IPO

1996-12-05

Employees

79 173

Officers

See Also

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What is the Intrinsic Value of one BANKBARODA stock?

The intrinsic value of one BANKBARODA stock under the Base Case scenario is 397.73 INR.

Is BANKBARODA stock undervalued or overvalued?

Compared to the current market price of 242.42 INR, Bank of Baroda Ltd is Undervalued by 39%.

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