Bank of Baroda (BANKBARODA) | Financial Analysis & Statements
Bank of Baroda Large-cap Financial Services
TL;DR: Financial Overview - Revenue, Profits & Key Metrics
Latest Quarterly: Jun 2025Income Metrics
Revenue
181.0B
Net Income
35.2B
19.43%
EPS (Diluted)
₹6.71
Balance Sheet Metrics
Total Assets
18.4T
Total Liabilities
16.8T
Shareholders Equity
1.5T
Debt to Equity
10.87
Cash Flow Metrics
Revenue & Profitability Trend
Quarter Income Flow
Jun 30, 2025
Annual Income Flow
2025
Bank of Baroda Income Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 696.8B | 679.0B | 557.9B | 483.9B | 449.9B |
| Cost of Goods Sold | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Gross Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Operating Expenses | |||||
| Research & Development | - | - | - | - | - |
| Selling, General & Administrative | 9.4B | 9.4B | 8.7B | 6.1B | 4.2B |
| Other Operating Expenses | 130.6B | 134.9B | 92.5B | 85.9B | 74.2B |
| Total Operating Expenses | 139.9B | 144.3B | 101.1B | 92.0B | 78.5B |
| Operating Income | - | - | - | - | - |
| Operating Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Non-Operating Items | |||||
| Interest Income | - | - | - | - | - |
| Interest Expense | - | - | - | - | - |
| Other Non-Operating Income | - | - | - | - | - |
| Pre-tax Income | 280.2B | 262.6B | 208.8B | 102.4B | 65.4B |
| Income Tax | 71.6B | 73.9B | 58.8B | 23.1B | 49.2B |
| Effective Tax Rate % | 25.5% | 28.1% | 28.1% | 22.5% | 75.2% |
| Net Income | 208.7B | 188.7B | 150.1B | 79.3B | 16.2B |
| Net Margin % | 29.9% | 27.8% | 26.9% | 16.4% | 3.6% |
| Key Metrics | |||||
| EBITDA | - | - | - | - | - |
| EPS (Basic) | ₹40.06 | ₹36.29 | ₹28.82 | ₹15.18 | ₹3.32 |
| EPS (Diluted) | ₹40.06 | ₹36.29 | ₹28.82 | ₹15.18 | ₹3.32 |
| Basic Shares Outstanding | 5171362179 | 5171362179 | 5171362179 | 5171362179 | 4662819399 |
| Diluted Shares Outstanding | 5171362179 | 5171362179 | 5171362179 | 5171362179 | 4662819399 |
Income Statement Trend
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Bank of Baroda Balance Sheet From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Assets | |||||
| Current Assets | |||||
| Cash & Equivalents | 1.3T | 1.0T | 1.0T | 1.3T | 1.3T |
| Short-term Investments | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - |
| Inventory | - | - | - | - | - |
| Other Current Assets | - | - | - | - | - |
| Total Current Assets | - | - | - | - | - |
| Non-Current Assets | |||||
| Property, Plant & Equipment | 300.0B | 250.7B | 244.5B | 238.1B | 204.1B |
| Goodwill | 18.2B | 18.2B | 18.2B | 18.2B | 4.5B |
| Intangible Assets | - | - | - | - | - |
| Long-term Investments | - | - | - | - | - |
| Other Non-Current Assets | - | - | - | - | - |
| Total Non-Current Assets | - | - | - | - | - |
| Total Assets | 18.6T | 16.5T | - | - | - |
| Liabilities | |||||
| Current Liabilities | |||||
| Accounts Payable | 88.1B | 70.2B | 56.7B | 44.7B | 44.7B |
| Short-term Debt | - | - | - | - | - |
| Current Portion of Long-term Debt | - | - | - | - | - |
| Other Current Liabilities | - | - | - | - | - |
| Total Current Liabilities | - | - | - | - | - |
| Non-Current Liabilities | |||||
| Long-term Debt | 1.1T | 930.9B | 1.1T | 1.1T | 712.6B |
| Deferred Tax Liabilities | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - |
| Total Non-Current Liabilities | - | - | - | - | - |
| Total Liabilities | 17.1T | 15.3T | - | - | - |
| Equity | |||||
| Common Stock | 10.4B | 10.4B | 10.4B | 10.4B | 10.4B |
| Retained Earnings | 31.6B | 25.2B | 20.9B | 17.9B | -96.5B |
| Treasury Stock | - | - | - | - | - |
| Other Equity | - | - | - | - | - |
| Total Shareholders Equity | 1.5T | 1.2T | 1.1T | 926.3B | 828.3B |
| Key Metrics | |||||
| Total Debt | 1.1T | 930.9B | 1.1T | 1.1T | 712.6B |
| Working Capital | 0 | 0 | 0 | 0 | 0 |
Balance Sheet Composition
Bank of Baroda Cash Flow Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 278.8B | 261.6B | 207.8B | 101.6B | 64.7B |
| Depreciation & Amortization | - | - | - | - | - |
| Stock-Based Compensation | - | - | - | - | - |
| Working Capital Changes | 66.8B | 8.3B | 125.3B | 169.4B | 27.8B |
| Operating Cash Flow | 376.8B | 288.9B | 352.5B | 290.6B | 111.6B |
| Investing Activities | |||||
| Capital Expenditures | -59.1B | -8.8B | -7.9B | -34.1B | -2.6B |
| Acquisitions | - | - | - | - | - |
| Investment Purchases | - | - | - | - | - |
| Investment Sales | - | - | - | - | - |
| Investing Cash Flow | -59.1B | -8.8B | -7.9B | -34.1B | -2.6B |
| Financing Activities | |||||
| Share Repurchases | - | - | - | - | - |
| Dividends Paid | -39.3B | -28.4B | -14.7B | - | - |
| Debt Issuance | 101.8B | 100.5B | - | 6.4B | 8.2B |
| Debt Repayment | - | - | -23.2B | - | - |
| Financing Cash Flow | 64.8B | 72.3B | -35.5B | 9.6B | 9.3B |
| Free Cash Flow | 285.6B | -76.3B | -223.4B | 28.1B | -36.7B |
| Net Change in Cash | 382.5B | 352.4B | 309.1B | 266.1B | 118.3B |
Cash Flow Trend
Bank of Baroda Key Financial Ratios
Valuation Ratios
P/E Ratio (TTM)
7.51
Forward P/E
7.33
Price to Book
0.89
Price to Sales
2.25
PEG Ratio
4.58
Profitability Ratios
Profit Margin
29.96%
Operating Margin
41.84%
Return on Equity
12.81%
Return on Assets
1.04%
Financial Health
Debt to Equity
0.86
Beta
0.47
Per Share Data
EPS (TTM)
₹37.64
Book Value per Share
₹317.70
Revenue per Share
₹125.62
Peer Financial Comparison
| Company | Market Cap | P/E Ratio | P/B Ratio | ROE | Profit Margin | Debt/Equity |
|---|---|---|---|---|---|---|
| BANKBARODA | 1.4T | 7.51 | 0.89 | 12.81% | 29.96% | 0.86 |
| HDFC Bank Limited | 12.1T | 17.85 | 2.18 | 13.82% | 26.83% | 1.04 |
| State Bank of India | 10.2T | 12.01 | 1.72 | 15.36% | 22.50% | 1.12 |
| ICICI Bank | 9.7T | 18.28 | 2.70 | 16.36% | 24.93% | 0.60 |
| Axis Bank | 4.3T | 16.36 | 2.07 | 13.63% | 34.17% | 1.26 |
| Kotak Mahindra Bank | 3.7T | 19.92 | 2.23 | 14.05% | 24.56% | 0.53 |
Financial data is updated regularly. All figures are in the company's reporting currency.





