Bank of Baroda (Banks - PSU) — fundamental analysis, earnings data, and key metrics. PE: 7.4. ROE: 15.5%. This stock is not currently in the Nifty 500 momentum outperformers list.
Based on Q3 FY26 (ended December 2025) earnings • Updated Feb 22, 2026
What: RAM segment (61.8% of advances) growing 17.4% with mortgages up 21%, yielding 100-150bps higher than corporate book
Impact: +₹500 Cr revenue
“MD & CEO: 'We are consciously moving toward a more granular loan book'”
What: GNPA at 2.04% (lowest in decade), fresh slippages at all-time low of 0.86%, PCR at 92.73%
Impact: +₹300 Cr revenue
“MD & CEO: 'Fresh slippages are at an all-time low of 0.86%, giving them significant earning visibility'”
What: Digital loan sanctions up 70% YoY; bob World ecosystem now has 3.47 crore users
Impact: +₹200 Cr revenue
“MD & CEO: 'Focusing on bob World digital ecosystem to pull in low-cost savings accounts'”
Earnings deceleration risks from management commentary
Trigger: If deposit costs rise faster than loan yields
Impact: -10 bps margin impact
Management view: MD & CEO: 'NII appears flat due to rising cost of deposits, but NIM remains stable in competitive market'
Monitor: CASA ratio, deposit growth rate
Trigger: If RBI begins rate cuts in Q4 FY26
Impact: -5 bps margin impact
Management view: Implied in NIM commentary but not explicitly stated
Monitor: 10Y-2Y yield curve spread
Key quotes from recent conference calls
“While Net Interest Income (NII) appears flat due to the rising cost of deposits, our Net Interest Margin (NIM) at 2.79% remains stable in a very competitive market. — Debadatta Chand”
“Fresh slippages are at an all-time low of 0.86%, giving them significant earning visibility for the rest of the year. — Debadatta Chand”
“We are consciously moving toward a more granular loan book. — Debadatta Chand”
“Our results this quarter reflect a consistent focus on sustainable growth. — Debadatta Chand”
Forward-looking targets from management for FY26 full year
Implied PAT Growth
3.5%
Credit Growth Target
13.5%
NIM Guidance
2.75%
Key Milestones
• RAM segment to reach 63% of advances by FY26 end
• CASA ratio target of 43% by FY26 end
• Credit cost to fall to 0.75% by FY26 end
The above analysis is parsed from publicly available earnings call transcripts. This is educational research only — not investment advice. Last updated Feb 22, 2026.
Based on publicly available financial data. This is educational research, not investment advice.
Bank of Baroda's latest quarterly results (Dec 2025) show
Bank of Baroda's current PE ratio is 7.4x.
Bank of Baroda's price-to-book ratio is 0.9x.
Bank of Baroda's fundamental strength based on key financial ratios
Bank of Baroda has a debt-to-equity ratio of N/A.
Bank of Baroda's return ratios over recent years
Bank of Baroda's operating cash flow is positive (FY2025).
Bank of Baroda's current dividend yield is 2.98%.
Bank of Baroda's shareholding pattern (Dec 2025)
Bank of Baroda's promoter holding has remained stable recently.
Bank of Baroda is an established outperformer with 1 weeks of consecutive Nifty 500 outperformance.
Bank of Baroda has 3 key growth catalysts identified from recent earnings analysis
Bank of Baroda has 2 key risks worth monitoring
In Q3 FY26 (ended December 2025), Bank of Baroda's management highlighted
Bank of Baroda's management has provided the following forward guidance for FY26 full year
Based on quantitative research signals, here is why Bank of Baroda may be worth studying
Bank of Baroda investment thesis summary:
Bank of Baroda's forward outlook based on current data signals
The above FAQs are generated from publicly available earnings data and conference call transcripts. This is educational research only. Sector Alpha is not SEBI registered and does not provide investment advice.
