A deep dive into Bank of Baroda (BANKBARODA) — examining the financials, valuation picture, and who owns the stock.
Bank of Baroda Revenue Trend
A 8.6% jump in revenue took Bank of Baroda's top line to ₹1,38,088 Cr in FY2025.
A 10.6% CAGR over 10 years puts Bank of Baroda in solid growth territory. The top line went from ₹50,364 Cr to ₹1,38,088 Cr in that span.
Bank of Baroda's ₹1,38,088 Cr revenue base puts it in the major bracket among banks companies in India.
The consistency stands out: 3 consecutive years of growth in top-line revenue.
| Year | Revenue | YoY % |
|---|---|---|
| FY2025 | ₹1,38,088 Cr | +8.6% |
| FY2024 | ₹1,27,101 Cr | +27.6% |
| FY2023 | ₹99,614 Cr | +22.4% |
| FY2022 | ₹81,365 Cr | -8.6% |
| FY2021 | ₹89,001 Cr | — |
View Bank of Baroda's full 10-year revenue trend with CAGR analysis →
Bank of Baroda Profitability
Year-over-year, net profit grew 10.1% from ₹17,789 Cr to ₹19,581 Cr in FY2025 for Bank of Baroda.
Net profit margin held relatively steady at 14.2% in FY2025.
On an EPS basis, the company earned ₹37.86 (diluted) in FY2025 versus ₹34.40 in FY2024.
Is Bank of Baroda Undervalued
Under the P/E Ratio approach, Bank of Baroda's estimated fair value is ₹264 (1.8% downside).
Bank of Baroda shares are currently trading at ₹268.85.
Craytheon also calculates intrinsic value using the EPS Growth, P/B Ratio, and DDM models. The full breakdown with assumptions is available in the detailed analysis.
| Model | Est. Fair Value | vs. Current Price |
|---|---|---|
| P/E Ratio | Upgrade | Upgrade |
| EPS Growth | Upgrade | Upgrade |
| P/B Ratio | ₹264 | 1.8% downside to fair value |
| DDM | Upgrade | Upgrade |
See all valuation models for Bank of Baroda with detailed assumptions →
Bank of Baroda Shareholding Pattern
Promoters continue to hold 64.0% of the company, unchanged over recent quarters.
Foreign institutions moved their stake up to 9.7% from 8.1% over the past year.
The DII stake stands at 19.0% as of March 2026, versus 19.1% in the year-ago period.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| Mar 2026 | 64.0% | 9.7% | 19.0% | 7.3% |
| Dec 2025 | 64.0% | 9.8% | 18.8% | 7.4% |
| Sep 2025 | 64.0% | 8.7% | 19.0% | 8.3% |
| Jun 2025 | 64.0% | 8.1% | 19.1% | 8.9% |
Track quarterly shareholding changes for Bank of Baroda →
Bank of Baroda Balance Sheet
Proportional view as of 3 Jun 2026. Hover blocks for details.
Assets
Liabilities & Equity
Total assets stood at ₹18,617.74B at the end of FY2025, up 12.5% from ₹16,547.79B a year earlier.
Loans & Advances is the largest block at 66.5%, followed by Investments at 23.0% and Cash at 7.1%.
Deposits make up 80.4% of liabilities and equity, with Borrowings at 7.3%, Equity at 7.9%, and Other Liabilities at 4.4%. Over the year, deposits are up 10.1% and equity is up 22.4%.
Balance sheet composition — FY 2025
| Category | Value |
|---|---|
| Cash | 1,324.78B |
| Loans & Advances | 12,372.40B |
| Investments | 4,273.80B |
| Other Assets | 646.76B |
| Category | Value |
|---|---|
| Equity | 1,477.50B |
| Deposits | 14,966.88B |
| Borrowings | 1,358.13B |
| Other Liabilities | 815.23B |
Bank of Baroda Key Takeaways
What should investors take away from Bank of Baroda's (BANKBARODA) latest numbers? Here's the summary.
Revenue of ₹1,38,088 Cr in FY2025, up 8.6% year-over-year.
Long-term revenue has been compounding at 10.6% annually over 10 years.
The company is profitable, with a net margin of 14.2% and net income of ₹19,581 Cr.
The P/B Ratio model implies 1.8% downside to fair value from the current price. The remaining three models are worth cross-checking before drawing a conclusion — sign up to see the full analysis.
Unlock Full Analysis
See the full picture — Craytheon tracks 10 years of financial data with interactive charts, growth trends, and four valuation models for Bank of Baroda.