AI Summary
✦ ClarthaPrice Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
From 34 analysts
Fundamentals
Fundamentals institutional score is 39 using EVA spread proxy -0.7%; growth durability 30.1.
Valuation
Valuation institutional score is 63 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 64 using mean target upside 19.1%; dispersion penalty 17.1; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 91 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is skewing adverse on impact and recency. Based on 7 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. technical structure provide support, while fundamentals and market sentiment remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Trading 4.6% above historical median. Valuation is stable — currently in the fair zone (z-score: +0.36). Confidence: 50%.
Live forward EPS implies next-12-month EPS of ₹42.60. Applying the stock's normalized valuation corridor produces a fair range of ₹242.82 to ₹328.45, with base value near ₹285.42 (+15.9% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹42.60
Forward P/E
5.8x
Base Fair Value
₹285.42
Fair Range
₹242.82 - ₹328.45
Upside To Base
+15.9%
Estimate Source
Live forward EPS
Growth Estimate
-48.6%
5Y Average
0.84
Current
0.76
Overvalued
0.97
Undervalued
0.71
5Y Average
5.46
Current
7.01
Overvalued
7.71
Undervalued
5.70
5Y Average
1.50
Current
1.92
Overvalued
1.72
Undervalued
1.27
Peers & Comparison
Sector: Financials · Theme: Public Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
PUNJAB NATIONAL BANK PNBPublic Banks | +15.2% | 38.1% | 5.9x Undervalued | -27% vs avg | +6.5% |
INDIAN BANK INDIANBPublic Banks | +10.3% | 36.4% | 9.2x Fair | +14% vs avg | +32.5% |
UNION BANK OF INDIA UNIONBANKPublic Banks | — | 40.5% | 6.9x Fair | -15% vs avg | +33.6% |
BANK OF INDIA BANKINDIAPublic Banks | +18.5% | 35.0% | 5.4x Undervalued | -33% vs avg | +24.2% |
CANARA BANK CANBKPublic Banks | -12.9% | 43.1% | 6.1x Undervalued | -25% vs avg | +17.8% |
BANK OF MAHARASHTRA MAHABANKPublic Banks | +21.8% | 53.4% | 8.1x Fair | 0% vs avg | +41.7% |
INDIAN OVERSEAS BANK IOBPublic Banks | +48.1% | 36.6% | 11.6x Premium | +43% vs avg | -6.4% |
UCO BANK UCOBANKPublic Banks | +53.0% | 21.5% | 11.7x Premium | +44% vs avg | -7.8% |
BANK OF BARODA trades in line with peers (7.1x vs avg 8.1x), reflecting a fair valuation within the Public Banks cohort. Peers include PUNJAB NATIONAL BANK, INDIAN BANK, UNION BANK OF INDIA — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹33.21K CrJun 2026Latest net profit
₹1.28K CrJun 2026Free cash flow
₹29.57K CrMar 2026Net Profit
₹1.28K CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 26,556 | 27,862 | 28,605 | 29,583 | 29,629 | 30,278 | 30,908 | 31,117 | 31,091 | 31,511 | 31,750 | 32,642 | 33,211 |
| Interest | 15,559 | 17,031 | 17,504 | 17,791 | 18,029 | 18,641 | 19,491 | 19,622 | 19,657 | 19,557 | 19,949 | 20,148 | 20,686 |
| Expenses + | 8,441 | 9,143 | 7,563 | 9,180 | 7,937 | 9,662 | 8,604 | 9,649 | 9,840 | 9,125 | 8,823 | 10,542 | 8,511 |
| Financing Profit | 2,555 | 1,688 | 3,538 | 2,613 | 3,663 | 1,975 | 2,813 | 1,846 | 1,595 | 2,829 | 2,978 | 1,952 | 4,014 |
| Financing Margin % | 10% | 6% | 12% | 9% | 12% | 7% | 9% | 6% | 5% | 9% | 9% | 6% | 12% |
| Other Income + | 3,322 | 4,171 | 2,810 | 4,191 | 2,487 | 5,166 | 3,769 | 4,735 | 4,675 | 3,515 | 3,600 | 3,967 | -2,210 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 5,878 | 5,859 | 6,349 | 6,804 | 6,151 | 7,141 | 6,582 | 6,581 | 6,270 | 6,343 | 6,578 | 5,919 | 1,804 |
| Tax % | 31% | 27% | 28% | 28% | 28% | 27% | 27% | 23% | 28% | 24% | 23% | 5% | 29% |
| Net Profit + | 4,070 | 4,253 | 4,579 | 4,886 | 4,458 | 5,238 | 4,837 | 5,048 | 4,541 | 4,809 | 5,055 | 5,616 | 1,278 |
| EPS in Rs | 7.87 | 8.22 | 8.86 | 9.45 | 8.62 | 10.13 | 9.35 | 9.76 | 8.78 | 9.30 | 9.77 | 10.86 | 2.47 |
| Gross NPA % | 3.51% | 3.32% | 3.08% | 2.92% | 2.88% | 2.50% | 2.43% | 2.26% | 2.28% | 2.16% | 2.04% | 1.89% | 1.99% |
| Net NPA % | 0.78% | 0.76% | 0.70% | 0.68% | 0.69% | 0.60% | 0.59% | 0.58% | 0.60% | 0.57% | 0.57% | 0.45% | 0.50% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).