A deep dive into Bank of Baroda (BANKBARODA) — examining the financials, valuation picture, and who owns the stock.
Bank of Baroda Revenue Trend
A 13.6% jump in revenue took Bank of Baroda's top line to ₹1,56,825 Cr in FY2026.
A 11.7% CAGR over 10 years puts Bank of Baroda in solid growth territory. The top line went from ₹51,791 Cr to ₹1,56,825 Cr in that span.
Bank of Baroda's ₹1,56,825 Cr revenue base puts it in the major bracket among banks companies in India.
The consistency stands out: 4 consecutive years of growth in top-line revenue.
| Year | Revenue | YoY % |
|---|---|---|
| FY2026 | ₹1,56,825 Cr | +13.6% |
| FY2025 | ₹1,38,088 Cr | +8.6% |
| FY2024 | ₹1,27,101 Cr | +27.6% |
| FY2023 | ₹99,614 Cr | +22.4% |
| FY2022 | ₹81,365 Cr | — |
View Bank of Baroda's full 10-year revenue trend with CAGR analysis →
Bank of Baroda Profitability
Year-over-year, net profit grew 1.4% from ₹19,581 Cr to ₹19,846 Cr in FY2026 for Bank of Baroda.
The net margin narrowed from 14.2% to 12.7%, suggesting rising cost pressures.
On an EPS basis, the company earned ₹38.38 (diluted) in FY2026 versus ₹37.86 in FY2025.
Is Bank of Baroda Undervalued
Under the P/B Ratio approach, Bank of Baroda's estimated fair value is ₹295 (17.9% upside).
Bank of Baroda shares are currently trading at ₹250.65.
Craytheon also calculates intrinsic value using the P/E Ratio, EPS Growth, and DDM models. The full breakdown with assumptions is available in the detailed analysis.
| Model | Est. Fair Value | vs. Current Price |
|---|---|---|
| P/B Ratio | ₹295 | 17.9% upside to fair value |
| P/E Ratio | Upgrade | Upgrade |
| EPS Growth | Upgrade | Upgrade |
| 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 10.1% from 8.7% over the past year.
The DII stake stands at 18.4% as of June 2026, versus 19.0% in the year-ago period.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| Jun 2026 | 64.0% | 10.1% | 18.4% | 7.5% |
| 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% |
Track quarterly shareholding changes for Bank of Baroda →
Bank of Baroda Balance Sheet
Proportional view as of 13 Jul 2026. Hover blocks for details.
Assets
Liabilities & Equity
Total assets stood at ₹21.02T at the end of FY2026, up 12.9% from ₹18.62T a year earlier.
Loans & Advances is the largest block at 68.5%, followed by Investments at 20.7% and Cash at 7.7%.
Deposits make up 79.7% of liabilities and equity, with Borrowings at 8.1%, Equity at 8.0%, and Other Liabilities at 4.2%. Over the year, deposits are up 12.0% and equity is up 13.3%.
Balance sheet composition — FY 2026
| Category | Value |
|---|---|
| Cash | 1,608.23B |
| Loans & Advances | 14.40T |
| Investments | 4,357.78B |
| Other Assets | 644.43B |
| Category | Value |
|---|---|
| Equity | 1,673.66B |
| Deposits | 16.76T |
| Borrowings | 1,702.97B |
| Other Liabilities | 879.44B |
Bank of Baroda Key Takeaways
What should investors take away from Bank of Baroda's (BANKBARODA) latest numbers? Here's the summary.
Revenue of ₹1,56,825 Cr in FY2026, up 13.6% year-over-year.
Long-term revenue has been compounding at 11.7% annually over 10 years.
The company is profitable, with a net margin of 12.7% and net income of ₹19,846 Cr.
The P/B Ratio model implies 17.9% upside 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.