Bank of India
Bank of India Limited provides various banking products and services in India and internationally. It operates through Treasury, Wholesale Banking, and Retail Banking segments. The company accepts various deposit products, such as savings, salary, current, term, and rera account deposits. It also provides debit, credit, and prepaid cards; personal, home, vehicle, education, star reverse mortgage, and home loans, as well as loans against property; and finance to new and existing business, healthcare schemes, govt. sponsored schemes, and commercial vehicle finance services. In addition, the company offers credit, cash management, and trade finance services; government deposit schemes, including public provident fund, senior citizens savings, Sukanya Samridhi, national pension system, departmentalized ministries, sovereign and RBI bond, mahila samman savings certificate, and other schemes; mutual funds; and life, health, and general insurance products. Further, it provides NRI services, such as accounts, loans, and money remittance and ancillary services, as well as Kisan credit card, gold loans, self help group, Atmanirbhar schemes, tractor/farm mechanization, food and agro loans, agri allied activities, Kisan Ghar and agri mortgage loan, agri clinic/agri business centers, and other loans services, as well as internet and mobile banking, and payment services. The company was incorporated in 1906 and is headquartered in Mumbai, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong cash conversion — FCF/PAT ratio of 1.88
Concerns1
- Other income is 60.4% of PBT — a large share of earnings is non-operating
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (₹ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (₹ Crores, last 1 year)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | ₹70.83 K Cr | — | ₹9.22 K Cr | — | — | — | 16.7% | 45.9% |
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Financial Statements
Income statement, balance sheet, and cash flow (₹ Crores, as reported)
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Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 73,292 |
| Finance Costs | 49,177 |
| Total Expenses | 20,436 |
| Financing Profit | 3,679 |
| Financing Margin % | 5% |
| Other Income | 9,560 |
| Depreciation & Amortisation | 0 |
| Profit Before Tax | 13,239 |
| Tax % | - |
| Net Profit / PAT | 9,949 |
| EPS (₹) | 21.86 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Bank of Indiathis co. | ₹67.20 K Cr | ₹70.83 K Cr | 6.75 | 0.82 | — | 16.7% |
| HDFC Bank Ltd. | ₹14.43 L Cr | ₹3.01 L Cr | 20.30 | 2.78 | — | 16.3% |
| ICICI Bank Ltd. | ₹10.28 L Cr | ₹1.63 L Cr | 20.70 | 3.32 | — | 14.3% |
| State Bank Of India | ₹9.49 L Cr | ₹4.62 L Cr | 13.30 | 1.83 | — | 11.4% |
| Bajaj Finance Limited | ₹5.91 L Cr | ₹61.95 K Cr | 36.80 | 6.33 | — | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | ₹5.26 L Cr | ₹8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | ₹4.24 L Cr | ₹52.92 K Cr | 31.70 | 3.39 | — | 15.5% |
| Industry Average | — | ₹30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |