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INDIAN OVERSEAS BANK vs BANK OF BARODA - Comparison Results

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Current Valuations

    INDIAN OVERSEAS BANK BANK OF BARODA INDIAN OVERSEAS BANK/
BANK OF BARODA
 
P/E (TTM) x 43.6 7.0 627.4% View Chart
P/BV x 4.4 1.2 359.5% View Chart
Dividend Yield % 0.0 2.2 -  

Financials

 INDIAN OVERSEAS BANK   BANK OF BARODA
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-23
BANK OF BARODA
Mar-23
INDIAN OVERSEAS BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs37197 18.6%   
Low Rs1590 17.0%   
Income per share (Unadj.) Rs10.3182.0 5.6%  
Earnings per share (Unadj.) Rs1.128.8 3.9%  
Cash flow per share (Unadj.) Rs2.669.5 3.8%  
Dividends per share (Unadj.) Rs05.50 0.0%  
Avg Dividend yield %03.8 0.0%  
Book value per share (Unadj.) Rs13.2203.1 6.5%  
Shares outstanding (eoy) m18,902.415,171.36 365.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.50.8 320.8%   
Avg P/E ratio x23.35.0 468.6%  
Avg P/CF ratio x8.32.4 338.2%  
Avg Price/Bookvalue ratio x2.00.7 279.3%  
Dividend payout %019.1 0.0%   
Avg Mkt Cap Rs m490,990742,349 66.1%   
No. of employees `000NANA-   
Total wages & salary Rs m41,024143,427 28.6%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m194,070941,386 20.6%  
Other income Rs m41,164166,394 24.7%   
Interest expense Rs m111,463499,422 22.3%   
Net interest income Rs m82,607441,964 18.7%  
Operating expense Rs m64,298306,445 21.0%   
Gross profit Rs m18,309135,520 13.5%  
Gross profit margin %9.414.4 65.5%  
Provisions/contingencies Rs m38,433155,035 24.8%   
Profit before tax Rs m23,534205,645 11.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,000 -0.0%   
Prior Period Items Rs m03,173 0.0%   
Tax Rs m2,49558,767 4.2%   
Profit after tax Rs m21,040149,052 14.1%  
Net profit margin %10.815.8 68.5%  
BALANCE SHEET DATA
Advances Rs m1,780,6779,636,518 18.5%   
Deposits Rs m2,609,73612,346,820 21.1%  
Credit/Deposit ratio x68.278.0 87.4%  
Yield on advances %7.46.8 108.2%   
Cost of deposits %4.03.5 116.2%   
Net Interest Margin %3.03.2 93.6%  
Net fixed assets Rs m37,10788,760 41.8%   
Share capital Rs m189,02410,355 1,825.4%   
Free reserves Rs m59,7361,040,192 5.7%   
Net worth Rs m248,7601,050,547 23.7%   
Borrowings Rs m208,0381,079,102 19.3%   
Investments Rs m936,4253,974,872 23.6%   
Total assets Rs m3,134,49915,258,790 20.5%  
Debt/equity ratio x11.312.8 88.6%   
Return on assets %0.71.0 68.7%  
Return on equity %8.514.2 59.6%  
Capital adequacy ratio %16.116.2 99.1%  
Net NPAs %1.80.9 205.6%  
CASH FLOW
From Operations Rs m-155,835-212,706 73.3%  
From Investments Rs m-5,596-10,963 51.0%  
From Financial Activity Rs m127-54,884 -0.2%  
Net Cashflow Rs m-161,304-278,552 57.9%  

Share Holding

Indian Promoters % 96.4 64.0 150.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.3 28.3 4.7%  
FIIs % 0.0 12.3 0.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 3.6 36.0 10.0%  
Shareholders   727,348 1,289,443 56.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN OVERSEAS BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on Indian Overseas Bank vs Bank of Baroda

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

Indian Overseas Bank vs Bank of Baroda Share Price Performance

Period Indian Overseas Bank Bank of Baroda S&P BSE BANKEX
1-Day -1.81% -2.24% -0.39%
1-Month -17.59% -8.11% -0.28%
1-Year 153.61% 56.77% 17.83%
3-Year CAGR 54.87% 49.98% 11.02%
5-Year CAGR 32.59% 14.89% 9.52%

* Compound Annual Growth Rate

Here are more details on the Indian Overseas Bank share price and the Bank of Baroda share price.

Moving on to shareholding structures...

The promoters of Indian Overseas Bank hold a 96.4% stake in the company. In case of Bank of Baroda the stake stands at 64.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Indian Overseas Bank and the shareholding pattern of Bank of Baroda.

Finally, a word on dividends...

In the most recent financial year, Indian Overseas Bank paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

Bank of Baroda paid Rs 5.5, and its dividend payout ratio stood at 19.1%.

You may visit here to review the dividend history of Indian Overseas Bank, and the dividend history of Bank of Baroda.

For a sector overview, read our banking sector report.



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