Financials & Fundamentals

Valuation metrics:

P/E ratio is around 6.45–6.5

P/B ratio falls between 0.82–0.85

Dividend yield stands at 3.4–3.44%, with the latest final dividend of ₹8.35 per share declared in June 2025 .

Profitability & Efficiency:

Return on Equity (ROE) is approximately 13.8%–14.0% .

Advances (loan growth) posted a YoY jump of 13.6%, outperforming its 5-year CAGR of 11.3% .

Both Gross and Net NPAs have steadily declined over the past four years to ~2.26% and ~0.58%, respectively .

Analyst Ratings & Price Targets

Data from Trendlyne shows an average 1-year price target of ₹272, reflecting a ~12% upside, based on the consensus of 33 analysts (high forecast ₹310, low ₹215) .

Investing.com similarly notes an average target of ₹272.27, with upside potential of nearly 12%, across 25 analysts recommending “Buy” and 2 suggesting “Sell” .

Moneycontrol mentions target range estimates: ₹275 (by Sharekhan), ₹270 (Prabhudas Lilladher), with 100% buy sentiment from their community .

Recent Developments & Strategy

Q1 FY26 Earnings (ended June 2025):

Net profit rose modestly by 1.9% YoY to ₹4,541 crore.

Net interest income dropped ~1.4% YoY to ₹11,435 crore. Overall Q1 results were seen as mixed, leading to some volatility in the stock (it fell ~2.3% intra-day, later gaining back) .

Initiatives & Growth Strategy:

Bank of Baroda reduced its lending rates (MCLR) by up to 15 bps effective August 12—providing relief to borrowers and potentially boosting lending activity .

It launched new digital platforms:

bob e-Pay, enabling international UPI transactions

bob FxOne, a digital forex platform for corporates and MSMEs .

The bank also recorded growth in its MSME advances (13.1% YoY) and targets 11–13% credit growth in FY26, despite a dip in corporate lending .