Bank of Baroda Intrinsic Value
Bank of Baroda (BANKBARODA) median intrinsic value is ₹469.88 from 10 valuation models (range ₹213–₹705), vs current price ₹234.94 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Check BANKBARODA market value to track the company's total market size over time.
BANKBARODA Valuation Methods Summary — DCF, Graham Number & P/E
Bank of Baroda intrinsic value across 10 models vs current price ₹234.94 — upside/downside and value range per method. For current market price and key ratios, visit Bank of Baroda share price chart.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹538.56 | ₹430.85 - ₹646.27 | +129.2% | EPS: ₹44.88, Sector P/E: 12x |
| Book Value Method | asset | ₹587.35 | ₹528.62 - ₹646.09 | +150.0% | Book Value/Share: ₹1615.50, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹469.88 | ₹422.89 - ₹516.87 | +100.0% | Revenue/Share: ₹1543.94, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹469.88 | ₹422.89 - ₹516.87 | +100.0% | EBITDA: ₹24228.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹587.35 | ₹469.88 - ₹704.82 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹287.23 | ₹258.51 - ₹315.95 | +22.3% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹369.81 | ₹332.83 - ₹406.79 | +57.4% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹469.88 | ₹422.89 - ₹516.87 | +100.0% | ROE: 14.0%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹704.82 | ₹634.34 - ₹775.30 | +200.0% | EPS: ₹44.88, BVPS: ₹1615.50 |
| Dividend Yield Method | dividend | ₹212.50 | ₹191.25 - ₹233.75 | -9.6% | DPS: ₹8.50, Target Yield: 4.0% |
BANKBARODA Intrinsic Value vs Market Price — All Valuation Models
Bank of Baroda fair value range ₹213–₹705 vs current market price ₹234.94 across 10 valuation models. See BANKBARODA price book multiple to compare market price against book value per share.
BANKBARODA Intrinsic Value Analysis — Undervalued or Overvalued?
Bank of Baroda median intrinsic value ₹469.88, current price ₹234.94 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
What is the intrinsic value of BANKBARODA?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of Bank of Baroda (BANKBARODA) is ₹469.88 (median value). With the current market price of ₹234.94, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹212.50 to ₹704.82, indicating ₹212.50 - ₹704.82.
Is BANKBARODA undervalued or overvalued?
Based on our multi-method analysis, Bank of Baroda (BANKBARODA) appears to be trading below calculated value by approximately 100.0%.
BANKBARODA Financial Health — Key Ratios vs Industry Benchmarks
Bank of Baroda financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.10 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 14.0% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 62.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.08x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
BANKBARODA Cash Flow Quality — Operating & Free Cash Flow
Bank of Baroda operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹33,426 Cr | ₹31,789 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹34,892 Cr | ₹31,645 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹-6,274 Cr | ₹-6,917 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-21,271 Cr | ₹-21,819 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹6,210 Cr | ₹4,388 Cr | Positive Free Cash Flow | 8/10 |