Bank of India
NSE: BANKINDIABank of India: A 30-second snapshot
Bank of India (BANKINDIA) is a PSU-sector bank trading at ₹143.95, carrying a trailing PE of 6.28 and a forward PE of 5.57 — the lowest among its tracked peer group of six. The stock is 2.69% below its 50-DMA and 19.29% below its 52-week high, having declined 14.1% over the past three months despite a 35.5% 1-year gain. Q4 FY26 results reported net profit nearly doubling and a ₹4.65 dividend declaration, against a backdrop of improving asset quality.
P/E
6.3
Forward P/E
5.6
ROE
+12.1%
Debt / Equity
—
Profit Margin
+31.9%
Div. Yield
+3.2%
5Y ROE > 15%
0/5
5Y FCF > 0
1/5
Quality
60/100
News
8 headlines · 3 positive · 0 negative
Bank of India Q4 asset quality improves, net profit nearly doubles; declares dividend - CNBC TV18 - LinkedIn
Bank of India Q4 asset quality improves, net profit nearly doubles; declares dividend - CNBC TV18
CNBC TV18
Bank of India Q4 & FY26 Results: Net Profit Zooms to ₹10,527 Crore, Declares ₹4.65 Dividend - PSU Connect
PSU Connect
Basel III standardised approach for Indian banks - KPMG
KPMG
India's central bank launches loan-relief norms for natural calamities - Reuters
Reuters
Recent context
- ·Bank of India reported Q4 FY26 net profit of ₹10,527 crore — described as nearly doubling — with improved asset quality and a declared dividend of ₹4.65 per share, per CNBC TV18 and PSU Connect (May 8, 2026).
- ·KPMG published a note on Basel III standardised approach for Indian banks (May 7, 2026), relevant to capital adequacy requirements that directly govern PSU banks like BANKINDIA.
- ·RBI launched loan-relief norms for natural calamities (Reuters, April 29, 2026), a macro-regulatory development that could affect PSU bank loan-book classification and provisioning practices.
Strengths
- +Revenue has grown at a 5-year CAGR of 10.1% and earnings at 18.6%, indicating accelerating profitability growth from a low base over the medium term.
- +At a trailing PE of 6.28 and forward PE of 5.57, BANKINDIA is priced at the deepest discount among its six tracked peers, whose PE range spans 14.74 (Axis Bank) to 68.55 (HDFC Life).
- +Q4 FY26 results included a ₹4.65 dividend declaration (dividend yield 3.23%) alongside a reported near-doubling of net profit and improved asset quality metrics, per CNBC TV18 (May 2026).
- +RSI at 49.48 is neutral, and the stock is 2.91% above its 200-DMA (₹139.88), with three identified support levels at ₹142.90, ₹138.11, and ₹136.74.
Weaknesses
- −ROE of 12.06% has never crossed 15% in the tracked period and sits below every peer except HDFC Life (11.28%); the bank ranks 5th of 6 on this metric.
- −FCF was positive in only 1 of the available years; the consistency score of 40 out of 100 and a rising debt trend reflect persistent challenges in translating income growth into free cash generation.
- −The stock is 14.1% lower over three months and 19.29% below its 52-week high, with price now beneath the 50-DMA (₹147.93), indicating near-term downward price pressure despite longer-term recovery.
- −Analyst coverage is thin at 5 analysts with a mean rating of 2.8 on a 1–5 scale (lower = more constructive); the limited sample constrains the reliability of any consensus inference.
Open questions
- ?Does the 18.6% 5-year earnings CAGR reflect a structural improvement in BANKINDIA's credit franchise, or is it principally driven by base effects from prior NPA cycle provisioning write-backs?
- ?How has BANKINDIA's net interest margin and return on assets trended relative to the PSU banking peer set over the past three years, and what does that imply about incremental loan deployment quality?
- ?Given the rising debt trend and FCF positive in only 1 of the available years, what is the bank's current capital adequacy ratio relative to RBI's Basel III requirements, and how does that affect future dividend-paying capacity?
- ?What accounts for the market's apparent non-reaction to the Q4 FY26 earnings beat — is the 3-month price decline driven by sector-wide flows, specific balance-sheet concerns, or broader macro headwinds to PSU banks?
Peer comparison: Banking
Ranks 1 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| BANKINDIA | Bank of IndiaYou're viewing | 6.3 | +12.1% | 63 |
| Industry avg | across 5 peers | 31.7 | +14.2% | 39 |
| AXISBANK | Axis Bank Ltd. | 14.7 | +13.2% | 53 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.9 | +17.9% | 53 |
| HDFCBANK | HDFC Bank Ltd. | 17.1 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 28.3 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 68.5 | +11.3% | 20 |
Technical state
Current price
₹143.95
SMA 50
₹147.93
SMA 200
₹139.88
RSI (14)
49.5 (neutral)
From 52w high
-19.3%
1Y return
+35.5%
3M return
-14.1%
50-DMA
Below
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumROE of 12.06% has never exceeded 15% in the tracked period (roeYearsAbove15 = 0), and FCF was positive in only 1 of the available years, pointing to structurally thin capital generation for a PSU bank with a rising debt trend.
- mediumEarnings-quality consistency score is 40 out of 100; FCF positive in 1 year only alongside a rising debt trend suggests balance-sheet expansion has not translated into durable free-cash generation.
- mediumStock trades 2.69% below its 50-DMA (147.93) while remaining 2.91% above the 200-DMA (139.88); 3-month price change is -14.1% and the drawdown from 52-week high is -19.29%, indicating recent momentum deterioration despite a 35.5% 1-year gain.
- lowBANKINDIA ranks 5th of 6 on ROE (12.06% vs peer range 11.28–17.91%) and 1st on lowest PE (6.28 vs peer range 14.74–68.55), reflecting a valuation discount consistent with its bottom-tier profitability relative to a peer set that includes private banks, NBFCs, and insurers.
- lowAnalyst coverage is limited to 5 analysts; peer priceChange1Y is null for all 5 comparators, precluding a relative price-performance ranking. Debt-to-equity is null, so leverage comparison relies on the qualitative rising-debt-trend flag only.
Cross-section contradictions
- 1-year price gain of 35.5% contrasts with a 3-month decline of 14.1% and a 19.29% drawdown from the 52-week high, indicating the annual return is concentrated in a prior rally that has since partially reversed.
- Q4 FY26 results show net profit nearly doubled and a ₹4.65 dividend was declared (per CNBC TV18, May 2026), yet the stock sits below its 50-DMA and news overall skews neutral (5 of 8 articles neutral), suggesting the market has not materially re-rated on the earnings print.
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 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 15 May 2026 · rotates through NIFTY 500 every ~5 days