Stock BANKINDIA BANK OF INDIA LIMITED
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Financials Bank of India Limited

Equities

BANKINDIA

INE084A01016

Banks

Market Closed - NSE India S.E.
Other stock markets
 07:43:46 2024-04-26 am EDT 		5-day change 1st Jan Change
150.4 INR 0.00% Intraday chart for Bank of India Limited +10.76% +33.53%
Apr. 26 India cenbank lays out roadmap for small lenders to achieve universal bank status RE
Apr. 26 Indian cenbank issues draft guidelines for web aggregators of loan products RE

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 287,656 105,681 222,339 188,183 306,419 684,494 - -
Enterprise Value (EV) 1 287,656 105,681 222,339 188,183 306,419 684,494 684,494 684,494
P/E ratio -3.5 x -3.54 x 10.3 x 5.19 x 7.62 x 9.49 x 7.7 x 7.64 x
Yield - - - 4.36% 2.68% 2.32% 2.42% 2.13%
Capitalization / Revenue 1.53 x 0.48 x 1.02 x 0.86 x 1.12 x 2.39 x 2.14 x 1.93 x
EV / Revenue 1.53 x 0.48 x 1.02 x 0.86 x 1.12 x 2.39 x 2.14 x 1.93 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.69 x 0.24 x 0.49 x 0.37 x 0.51 x 1.02 x 0.92 x 0.85 x
Nbr of stocks (in thousands) 2,759,289 3,276,923 3,276,923 4,104,310 4,104,743 4,552,668 - -
Reference price 2 104.2 32.25 67.85 45.85 74.65 150.4 150.4 150.4
Announcement Date 5/16/19 6/25/20 6/4/21 5/24/22 5/6/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 187,897 219,700 217,113 219,408 273,748 286,728 320,492 354,113
EBITDA - - - - - - - -
EBIT 1 80,922 115,186 108,722 99,884 133,926 138,459 168,112 197,394
Operating Margin 43.07% 52.43% 50.08% 45.52% 48.92% 48.29% 52.45% 55.74%
Earnings before Tax (EBT) 1 -87,134 -46,027 32,367 55,668 62,293 107,676 115,136 121,037
Net income 1 -55,469 -29,569 21,603 34,047 40,229 69,683 84,387 88,287
Net margin -29.52% -13.46% 9.95% 15.52% 14.7% 24.3% 26.33% 24.93%
EPS 2 -29.79 -9.100 6.590 8.840 9.800 15.84 19.52 19.67
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - - 2.000 2.000 3.487 3.640 3.200
Announcement Date 5/16/19 6/25/20 6/4/21 5/24/22 5/6/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 58,074 49,891 55,214 56,598 52,430 55,733 - 65,009 70,269 - 75,590 - -
EBITDA - - - - - - - - - - - - -
EBIT 1 28,357 20,944 28,062 26,776 20,960 24,657 21,828 33,742 36,519 37,520 36,698 35,407 34,892
Operating Margin 48.83% 41.98% 50.82% 47.31% 39.98% 44.24% - 51.9% 51.97% - 48.55% - -
Earnings before Tax (EBT) 1 8,556 - - - - 9,250 8,611 14,621 17,730 37,520 - 37,500 29,000
Net income 1 5,407 2,502 7,200 10,510 10,270 6,063 5,615 9,600 11,510 15,511 17,556 19,629 20,919
Net margin 9.31% 5.01% 13.04% 18.57% 19.59% 10.88% - 14.77% 16.38% - 23.23% - -
EPS - - - - - - - - - - - - -
Dividend per Share - - - - - - - - - - - - -
Announcement Date 2/10/21 6/4/21 8/3/21 11/2/21 2/4/22 5/24/22 8/2/22 11/3/22 1/17/23 7/28/23 - - -
1INR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) -24.6% -12.4% 4.83% 6.75% 6.88% 11.4% 11.5% 11.1%
ROA (Net income/ Total Assets) -0.84% -0.43% 0.31% 0.47% 0.51% 0.8% 0.88% 0.93%
Assets 1 6,603,452 6,876,488 6,915,173 7,303,089 7,846,577 8,710,371 9,644,237 9,459,312
Book Value Per Share 2 151.0 134.0 139.0 125.0 147.0 148.0 163.0 177.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 5/16/19 6/25/20 6/4/21 5/24/22 5/6/23 - - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Bank of India Limited

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

EPS Revisions

Estimates Revisions

Quarterly revenue - Rate of surprise

Company calendar

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