Unclassified · NSE: BANKBARODA
Bank of Baroda share analysis
Fair value, business quality, the case for and against, and the risks — computed by VestCall from reported data, updated 14 October 2026.
Bank of Baroda in one paragraph
Bank of Baroda (NSE: BANKBARODA) was trading at ₹231.52 on 14 October 2026. VestCall scores its business health 58/100 (adequate). On valuation, the price sits in the “Fairly Valued” zone (₹226.68 – ₹235.09) — inside the modelled fair-value range. This is a reading of the evidence, not a buy or sell recommendation.
- Share price₹231.52
- Business health58/100
- Growth37/100
- Financial strength50/100
- Valuation89/100 · Fair
- Valuation zoneFairly Valued
- RiskHigh
Is Bank of Baroda overvalued or undervalued?
At ₹231.52, Bank of Baroda sits in VestCall’s “Fairly Valued” zone (₹226.68 – ₹235.09): inside the modelled fair-value range. Its valuation scores 89/100 (fair) against Unclassified peers. Zones describe where the price sits against modelled value; they are not an instruction to buy or sell.
| Valuation zone | Price band | What it means |
|---|---|---|
| Deeply Discounted | ₹203.52 – ₹219.85 | Furthest below the modelled fair-value range |
| Attractive Valuation | ₹219.85 – ₹226.68 | Below the modelled fair-value range |
| Fairly Valued (current) | ₹226.68 – ₹235.09 | Inside the modelled fair-value range |
| Valuation Premium | ₹235.09 and above | Above the modelled fair-value range |
The case for and against Bank of Baroda
What supports the case
- Shareholding Quality · 81/100.
- Management Stability · 67/100.
What needs proof
- Growth · 48/100.
- Financial Strength · 50/100.
- Business Quality · 58/100.
- Capital Allocation · 60/100.
Bank of Baroda key ratios
| Ratio | Bank of Baroda | Unclassified median |
|---|---|---|
| P/E | 15.91x | — |
| P/B | 0.33x | — |
| P/S | 0.32x | — |
| Return on equity (ROE) | 12.7% | — |
| Return on capital employed (ROCE) | 16.3% | — |
| Operating margin | 15.9% | — |
| Net margin | 12.4% | — |
Bank of Baroda growth
Growth scores 37/100, with a negative trend, measured Mar 2023 to Mar 2026.
| Measure | Reading |
|---|---|
| Revenue CAGR | 12.3% |
| Net profit CAGR | 9.9% |
| EPS CAGR | 10.0% |
| Revenue growth, latest year | 2.6% |
| Profit growth, latest year | -4.8% |
Bank of Baroda bull, base and bear case
Modelled annual return under three sets of stated assumptions over 5 years. These are model outputs, not a forecast or a promise of return.
| Scenario | Modelled CAGR | Weight | Assumption |
|---|---|---|---|
| Bear | −0.5% | 20% | Growth decelerates to 3.5% and the multiple de-rates toward the cohort's trough. |
| Base | +9.7% | 54% | Earnings compound near the measured 9.7% and the multiple drifts toward its quality-adjusted warranted level. |
| Bull | +17.0% | 26% | Growth holds at 13.5% and the market pays the full premium the measured quality supports. |
Risks to watch in Bank of Baroda
| Review trigger | Current | Threshold | Status |
|---|---|---|---|
| Return on equity falls below the quality floor | 12.71% | below 15% | high · breached |
| Drawdown from the 52-week high exceeds tolerance | 28.64% | at or beyond 25% | low · breached |
| Revenue growth falls below the thesis floor | 12.28% | below 8% | high · armed |
| Promoter holding drops materially | 63.97% | below 60.97%, 3 points under the Jun 2026 filing | high · armed |
| Price runs more than two sigma above its own trend | 231.52 | at or above 413.65 | medium · armed |
| Leverage doubles from the level underwritten today | No leverage line in the balance sheet | unavailable | high · unmeasurable |
| Promoter pledge rises above tolerance | No pledge disclosed (the NSE filing for BANKBARODA could not be read either (nse_session_unavailable)) | above 10% | high · unmeasurable |
| Valuation reaches the top of its own cohort | No cohort multiple to rank against | at or above the 95th percentile | medium · unmeasurable |
An armed trigger is watched and has not fired; a breached one has.
How Bank of Baroda shares have traded
| Measure | Reading |
|---|---|
| 52-week range | ₹227.5 – ₹324.45 |
| Distance from 52-week high | −28.6% |
| Return, 3 months | −6.1% |
| Return, 12 months | −13.2% |
| Trend | Downtrend |
| Annualised volatility | 30.4% |
| Deepest drawdown, 2 years | −34.0% |
Questions about Bank of Baroda shares
Is Bank of Baroda overvalued or undervalued?
At ₹231.52, Bank of Baroda sits in VestCall’s “Fairly Valued” zone (₹226.68 – ₹235.09): inside the modelled fair-value range. Its valuation scores 89/100 (fair) against Unclassified peers. Zones describe where the price sits against modelled value; they are not an instruction to buy or sell.
Is Bank of Baroda fundamentally strong?
VestCall scores Bank of Baroda’s business health 58/100 (adequate). The strongest measured pillars are shareholding quality and management stability. The ones that need proof are growth and financial strength. Each pillar is computed from reported financials, and a pillar whose inputs were not reported is excluded rather than scored as zero.
What is Bank of Baroda’s P/E ratio?
Bank of Baroda trades at a P/E of 15.91x, on VestCall’s latest read. A multiple only means something against the business it buys: the quality-adjusted fair value on this page weighs it against Bank of Baroda’s returns and growth.
What are the risks of investing in Bank of Baroda?
The review triggers VestCall watches for Bank of Baroda are: return on equity falls below the quality floor (roe below 15%); drawdown from the 52-week high exceeds tolerance (drawdown from 52-week high at or beyond 25%); revenue growth falls below the thesis floor (revenue cagr below 8%). On the fundamentals, growth is the weakest measured pillar at 48/100. A trigger is a named condition that would change the reading, published so the case against the stock is as visible as the case for it.
Is this a recommendation to buy or sell Bank of Baroda?
No. VestCall states where Bank of Baroda’s price sits against modelled value, what supports the case and what would break it, with every figure sourced. It does not issue buy, sell or hold calls or price targets. Vestmind is not a SEBI-registered investment adviser or research analyst, and nothing on this page is personalised investment advice.
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