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Bank of India Q2 FY27 Share Price & Earnings Call Analysis

₹135.70+2.11% today
Market cap
₹61,789 Cr
P/E
5.25
ROE
12.41%
PEG
0.13
Price to sales
0.81
Debt to equity
11.83
52W high / low
₹177 / ₹126
Sales growth (5Y)
13.10%
EBITDA margin
72.26%
Net profit margin
14.01%
Promoter holding
73.38%
Sales (last year)
₹77,244 Cr

Bank of India is an India-based bank. The Bank's segments include Treasury Operations, Wholesale Banking and Retail Banking. The Treasury operations segment includes the entire investment portfolio, which is dealing in government and other securities, money market operations and foreign exchange operations.(Source : Company Web-site )

Guidance scorecard · Q2 FY27 call

What Bank of India's management guided
and where it ranks in Banks

#20of 28 in
Banks
Revenue10–20%MarginsFlatCapexPlannedFundraisingWhat management saidOrder bookRising

RevenueQ1 FY27 call

10–20%
  • Global business grew 16.57% YoY; confident of secular growth across segments.
  • Strong pipeline of over Rs. 1 lakh crore in both domestic and international loan books.
  • Focus on enhancing CASA, retail deposits, and fixed deposits up to Rs. 25 crore to optimize cost of deposits.
  • Robust credit growth expected in domestic and international platforms with increased bulk deposits.
  • Expansion strategy in Gift City and international centers like New York, London, Japan, Hong Kong, and Singapore.
  • Target to raise around $4.2 billion by December 2026 via FCNR, OFCB, MTN, and ECB instruments.
  • Building the digital book with improved digital sanctioning and data-driven CRM processes.

2 more points from Bank of India's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Flat

See what Bank of India said on margins — free account, 30 seconds.

Full Q1 FY27 analysis

CapexQ1 FY27 call

Planned
  • ATM rationalization indicates cost optimization by moving out of loss-making CAPEX model ATMs.
  • There is also investment in human resources for upskilling and reskilling (Star Light program).
  • Mutual fund AUM growth is a priority before considering a public issue, implying future strategic moves might be planned.
Full Q1 FY27 analysis

FundraisingQ1 FY27 call

See what Bank of India said on fundraising — free account, 30 seconds.

Full Q1 FY27 analysis

Order bookQ1 FY27 call

Rising
  • Bank of India currently has a pipeline of more than ₹1 lakh crore in its entire loan book.
  • Out of this, approximately ₹70,000 crore is in the corporate and international book.
  • The remaining pipeline pertains to RAM advances, digital loans, pool purchases, pool lending, TReDS, and supply chain financing.
  • The international loan pipeline is strong not only in Gift City but also in major global centers like New York, London, Japan, Hong Kong, and Singapore.
  • These pipelines include business from both Indian corporates and local corporates at overseas centers.

2 more points from Bank of India's call on the order book

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Full Q1 FY27 analysis
Full Banks ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Banks
on management's own guidance

  1. AU Small FinanceGood growth
    2
  2. Canara BankGood growth
    1
  3. IDFC First BankGood growth
    3
See all potential multibaggersWhere does Bank of India rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Banks companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
1Canara Bank20–40%Flat₹1.07L Cr5.3
2AU Small Finance20–40%Flat₹74,341 Cr26.0
3IDFC First Bank20–40%Flat₹67,332 Cr29.9
420–40%Flat₹58,716 Cr49.8
520–40%Flat₹13,576 Cr9.4
620–40%Flat₹6,759 Cr8.6

Sign up free to see every company in the sector ranking and track Bank of India.

Pro shows every company guiding 40%+ revenue growth →Full Banks ranking

Financials of Bank of India

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

Bank of India

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +73.38%73.38%73.38%73.38%73.38%73.38%73.38%73.38%73.38%73.38%73.38%73.38%
FIIs +4.31%4.52%3.61%3.21%2.92%3.88%3.53%4.24%5.82%7.26%6.87%7.58%
DIIs +14.65%15.82%15.46%16.26%16.40%15.90%15.97%15.63%15.18%13.96%13.96%13.38%
Public +7.65%6.27%7.55%7.13%7.30%6.83%7.13%6.76%5.62%5.40%5.78%5.66%
No. of Shareholders5,77,9926,17,2387,05,5996,92,2297,13,0277,26,1677,15,7856,95,9966,38,6396,26,1895,95,8325,87,317

Financials of Bank of India

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +15,06215,31916,25017,04617,46618,31718,47918,46718,52119,05219,57320,09721,370
Interest9,2569,79210,24210,69311,40312,16612,33312,32112,53012,50412,78513,15614,263
Expenses +4,5464,1906,0415,2695,4564,4856,0505,3994,8495,2015,9895,3905,554
Financing Profit1,2601,337-331,0846071,666977471,1421,3468001,5511,554
Financing Margin %8%9%-0%6%3%9%1%4%6%7%4%8%7%
Other Income +1,7171,2021,8301,3382,5321,7803,4551,6922,2182,3273,2802,6152,767
Depreciation0000000000000
Profit before tax2,9772,5391,7972,4223,1383,4473,5512,4393,3613,6744,0794,1674,321
Tax %50%25%17%28%24%26%25%28%25%25%25%25%25%
Net Profit +1,4991,9311,5741,8902,4222,6382,6021,8312,5762,8143,0893,3043,310
EPS in Rs3.654.243.464.155.325.795.724.025.666.186.787.257.27
Gross NPA %
Net NPA %

Financials of Bank of India

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +43,68542,09339,58538,31341,00542,59140,85438,28147,93261,07371,30875,61380,092
Interest32,22030,24527,60627,67927,20727,19126,42124,08327,44137,75746,59450,13952,707
Expenses +13,60019,84221,21824,61826,87426,38617,67216,26321,17718,84820,65620,70822,134
Financing Profit-2,135-7,994-9,239-13,984-13,076-10,987-3,239-2,065-6864,4694,0574,7665,251
Financing Margin %-5%-19%-23%-36%-32%-26%-8%-5%-1%7%6%6%7%
Other Income +4,2783,6726,8195,8464,8626,6876,7788,0927,1686,4159,3179,73710,990
Depreciation291290-75223733923803724275096047310
Profit before tax1,852-4,612-2,412-8,660-8,587-4,6923,1605,6556,05610,37512,77113,77316,241
Tax %6%37%-34%-30%-37%-35%34%38%37%37%25%25%
Net Profit +2,015-6,276-1,492-5,982-5,426-3,0512,0813,4873,8396,5679,55210,30912,517
EPS in Rs30.27-75.98-13.94-34.20-19.67-9.316.368.519.3514.4220.9722.6427.48
Dividend Payout %17%0%0%0%0%0%0%24%21%19%19%21%

Financials of Bank of India

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital6668171,0551,7442,7603,2783,2784,1044,1044,5534,5534,5534,553
Reserves31,85732,52832,57435,01344,89241,79546,70352,41856,32966,02876,17285,40589,489
Deposits536,932515,722542,352522,997522,555557,386629,098629,981672,194740,611819,806930,9731,040,729
Borrowing37,64951,10339,49143,59844,26539,75232,46426,82165,01580,960123,869118,626121,966
Other Liabilities +18,04616,45716,55311,83316,40920,80521,24429,80728,39332,12732,02439,98034,870
Total Liabilities625,150616,628632,026615,184630,881663,017732,786743,131826,036924,2801,056,4251,179,5381,291,608
Fixed Assets +5,8028,3828,3498,1928,7998,7658,6379,5709,95010,17811,86511,67011,865
CWIP1131911971582002933642861101501822070
Investments123,196122,621130,751140,321150,905162,323191,693180,274211,324234,592268,002279,084299,478
Other Assets +496,040485,435492,729466,513470,977491,636532,092553,001604,652679,361776,376888,577980,265
Total Assets625,150616,628632,026615,184630,881663,017732,786743,131826,036924,2801,056,4251,179,5381,291,608

Financials of Bank of India

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +14,63818,311-6,624-7,366-9,218-4,82737,868-35,487-7,045-4,43718,5344,753
Cash from Investing Activity +-755-609-371-26071-232-182-644-521-991-854-329
Cash from Financing Activity +1,2954,8643,9557,1857,983-3,1922,3981,1465413,86834-5,672
Net Cash Flow15,17922,566-3,040-440-1,164-8,25140,085-34,985-7,026-1,56017,714-1,248
Free Cash Flow14,06617,814-6,910-7,620-9,090-5,18437,538-36,035-7,569-5,26417,8613,907

Financials of Bank of India

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %6%-19%-4%-17%-14%-7%4%6%6%10%12%12%

Guidance history

How Bank of India's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →10–20%FlatPlanned—Rising
Q4 FY26 call →10–20%FlatPlanned——
Q3 FY26 call →10–20%FlatPlanned—Rising
Q2 FY26 call →10–20%FlatPlannedNone plannedRising

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

27out of 100

Momentum score · price trend

27 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−3.6%57%
Last 6 months−3.0%49%
Last 3 months−1.1%62%

The price is 75.7% below its all-time high of ₹558.45 (8 Oct 2010). Stocks more than 20% below their peak have their score halved, so 54 became 27.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Bank of India: 0.4 × 57 + 0.4 × 49 + 0.2 × 62 = 54, halved to 27 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What Bank of India's management said in earlier quarters

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  • Equitas Small Finance Bank Ltd (Q2 FY27)

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