Bank of India
NSE: BANKINDIABank of India: A 30-second snapshot
Bank of India trades at ₹137.95, carrying a trailing PE of 5.11x and forward PE of 5.33x — among the lowest in its comparison set — against an ROE of 13.7% and a 3.39% dividend yield. The stock is up 27% over the past year but has been essentially flat over the last three months and sits 20.13% below its 52-week high, trading below both its 50-day (₹142.44) and 200-day (₹143.54) moving averages. Q1 results reported in late July 2026 showed a 36% year-on-year jump in net profit alongside improved asset quality.
P/E
5.1
Forward P/E
5.3
ROE
+13.7%
Debt / Equity
—
Profit Margin
+35.0%
Div. Yield
+3.4%
5Y ROE > 15%
0/5
5Y FCF > 0
2/5
Quality
57/100
News
8 headlines · 2 positive · 0 negative
Bank of India Q1 results: Profit, core income rise on improved asset quality - CNBC TV18
CNBC TV18
Bank Of India Q1 Results: Net Profit Jumps 36% Even As Provisions Grow; Asset Quality Improves - NDTV Profit
NDTV Profit
India's RBI allows differential rates on bulk deposits at banks based on liquidity risk - Reuters
Reuters
Zee Business. . Results Review 📌 ▶️Buy IDFC First Bank Futures: SL 80 Tgt 83, 84.25 -Strong results -Bank posted highest ever quarterly profit ▶️Buy AU Small Fin Futures: SL 990 Tgt 1020, 1030, 1038 -Results better than expectations -NIMs improved to 5 - facebook.com
facebook.com
Central Bank of India profit rises 13% to Rs1,324 cr on loan growth, better margin - The New Indian Express
The New Indian Express
Recent context
- ·Q1 results (reported July 24, 2026) showed net profit up 36% year-on-year on improved asset quality, per CNBC TV18 and NDTV Profit.
- ·RBI said on July 30, 2026 that banks may offer differential rates on bulk deposits based on liquidity risk — a sector-wide policy item that appeared in the Bank of India news feed rather than BOI-specific news.
- ·A 3-month price change of +0.08% and a position below both key moving averages suggest limited price re-rating in the weeks following the Q1 print, at least as of this data snapshot.
Strengths
- +Trailing PE of 5.11x is the lowest of its 6-name comparison set, which spans 13.8x to 59.9x.
- +Q1 results (reported July 24, 2026) showed net profit up 36% year-on-year alongside improved asset quality, per CNBC TV18 and NDTV Profit.
- +5-year revenue growth of 18.5% and 5-year earnings growth of 80.3%.
- +Dividend yield of 3.39%.
Weaknesses
- −ROE has not exceeded 15% in any tracked year (roeYearsAbove15 = 0) and the earnings-consistency score is 33/100; free cash flow was positive in only 2 of the tracked years.
- −Price sits below both the 50-DMA (₹142.44) and 200-DMA (₹143.54) and is 20.13% off its 52-week high, with a 3-month price change of just +0.08% despite the 27% 1-year gain.
- −Available news coverage is partly mis-targeted — several visible headlines concern generic RBI policy, IDFC First Bank/AU Small Finance Bank, and Central Bank of India rather than Bank of India itself, limiting confidence in the aggregate sentiment read.
- −The comparison peer set mixes two banks with two NBFC-linked names and an insurer, so PE/ROE gaps versus this set reflect business-model differences as much as relative valuation; analyst coverage is also thin at 4 analysts and peer 1-year price data is entirely missing.
Open questions
- ?Does the 36% year-on-year Q1 profit growth reflect a durable improvement in asset quality, or partly a smaller provisioning base compared to the year-ago quarter?
- ?With ROE never exceeding 15% across the tracked history, what operational levers (NIM, cost-to-income, credit costs) would be needed for return-on-equity to move structurally higher?
- ?Given the peer set mixes banks with NBFCs and an insurer, how does BOI's 5.11x PE compare against public-sector bank peers specifically rather than this broader financial-services set?
- ?Why has the stock stayed below its 50- and 200-day moving averages even as recent quarterly results and on-target news have been described positively — is this a lag effect, or does it reflect factors outside this news sample?
Peer comparison: Banking
Ranks 2 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| BANKINDIA | Bank of IndiaYou're viewing | 5.1 | +13.7% | 67 |
| Industry avg | across 5 peers | 31.7 | +13.1% | 48 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.3 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 35.1 | — | 47 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 59.9 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 33.3 | +14.6% | 23 |
Technical state
Current price
₹137.95
SMA 50
₹142.44
SMA 200
₹143.54
RSI (14)
43.5 (neutral)
From 52w high
-20.1%
1Y return
+27.0%
3M return
+0.1%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumROE of 13.7% has not exceeded 15% in any year of the tracked history (roeYearsAbove15 = 0) and the earnings-consistency score is 33 out of 100; free cash flow was positive in only 2 of the tracked years, pointing to moderate and uneven capital generation (FCF is a less conventional metric for banks given deposit- and lending-driven operating cash flows, but the pattern still warrants note).
- mediumPrice (₹137.95) sits below both the 50-DMA (₹142.44) and 200-DMA (₹143.54) and is 20.13% off its 52-week high, with a 3-month price change of just +0.08% despite a 27% gain over the trailing year, indicating a stall or partial reversal of last year's rally.
- mediumOf the visible headlines in the news feed, a majority are mis-targeted keyword collisions rather than Bank of India-specific stories: one covers a generic RBI bulk-deposit policy, one is a trading-calls post about IDFC First Bank and AU Small Finance Bank, and one covers Central Bank of India (a separate PSU bank). This limits confidence in the aggregate sentiment counts (2 positive/6 neutral/0 negative of 8 total) as a read on Bank of India specifically; only 2 of the visible items (both positive, on the Q1 results) are clearly on-target.
- lowThe comparison peer set mixes two banks (Axis Bank, HDFC Bank) with two NBFC-linked names (Bajaj Finance, Bajaj Finserv) and an insurer (HDFC Life), so PE and ROE gaps against this set partly reflect business-model differences rather than pure relative valuation. Peer priceChange1Y is null for all comparators, precluding a relative price-performance ranking, and analyst coverage is thin at 4 analysts; debt-to-equity is not reported in this dataset, so the 'rising' qualitative debt trend cannot be quantified (deposit-funded leverage is structurally normal for banks and is not treated as a leverage red flag here).
Cross-section contradictions
- The stock is up 27% over the past year but essentially flat over the last three months (+0.08%) and sits 20.13% below its 52-week high while trading below both key moving averages — the annual gain reflects a rally that has since stalled or partly reversed, not current momentum.
- Q1 results reported July 24, 2026 showed net profit up 36% year-on-year with improved asset quality (per CNBC TV18 and NDTV Profit), yet the stock remains below both its 50- and 200-day moving averages with a near-flat 3-month price change, suggesting the market has not visibly re-rated the stock on this print as of the current data snapshot.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 12 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 1 Aug 2026 · rotates through NIFTY 500 every ~5 days