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 5 analysts
Fundamentals
Fundamentals institutional score is 69 using EVA spread proxy 1.7%; growth durability 81.5.
Valuation
Valuation institutional score is 25 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 47 using mean target upside 10.3%; dispersion penalty 18.5; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 93 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is balanced or not decisive enough to tilt the tape. Based on 2 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. fundamentals and technical structure provide support, while valuation and analyst consensus 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 19.2% above historical median. Valuation is stable — currently in the strongly overvalued zone (z-score: +1.14). Confidence: 50%.
Live forward EPS implies next-12-month EPS of ₹25.97. Applying the stock's normalized valuation corridor produces a fair range of ₹98.69 to ₹133.23, with base value near ₹116.09 (-17.1% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹25.97
Forward P/E
5.4x
Base Fair Value
₹116.09
Fair Range
₹98.69 - ₹133.23
Upside To Base
-17.1%
Estimate Source
Live forward EPS
Growth Estimate
+80.3%
5Y Average
0.71
Current
0.70
Overvalued
0.82
Undervalued
0.60
5Y Average
3.57
Current
5.33
Overvalued
5.13
Undervalued
3.80
5Y Average
1.27
Current
1.89
Overvalued
1.46
Undervalued
1.08
Peers & Comparison
Sector: Financials · Theme: Public Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
BANK OF BARODA BANKBARODAPublic Banks | +18.0% | 27.4% | 7.0x Undervalued | -16% vs avg | +1.9% |
BANK OF MAHARASHTRA MAHABANKPublic Banks | +21.8% | 53.4% | 8.1x Fair | -2% vs avg | +41.7% |
CANARA BANK CANBKPublic Banks | -12.9% | 43.1% | 6.1x Undervalued | -27% vs avg | +17.8% |
PUNJAB NATIONAL BANK PNBPublic Banks | +15.2% | 38.1% | 5.9x Undervalued | -29% vs avg | +6.5% |
UNION BANK OF INDIA UNIONBANKPublic Banks | — | 40.5% | 6.7x Undervalued | -19% vs avg | +33.6% |
INDIAN BANK INDIANBPublic Banks | +10.3% | 36.4% | 9.2x Fair | +11% vs avg | +32.5% |
INDIAN OVERSEAS BANK IOBPublic Banks | +48.1% | 36.6% | 11.5x Premium | +39% vs avg | -6.4% |
UCO BANK UCOBANKPublic Banks | +53.0% | 21.5% | 11.7x Premium | +41% vs avg | -7.8% |
BANK OF INDIA trades at a discount (5.3x vs peer avg 8.3x), suggesting potential undervaluation relative to the Public Banks cohort. Peers include BANK OF BARODA, BANK OF MAHARASHTRA, CANARA BANK — 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
₹19.95K CrJun 2026Latest net profit
₹3.07K CrJun 2026Free cash flow
₹4.03K CrMar 2026Net Profit
₹3.07K 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 + | 14,359 | 14,971 | 15,218 | 16,162 | 16,938 | 17,355 | 18,211 | 18,323 | 18,352 | 18,406 | 18,927 | 19,476 | 19,949 |
| Interest | 8,445 | 9,232 | 9,755 | 10,226 | 10,662 | 11,369 | 12,140 | 12,260 | 12,284 | 12,492 | 12,466 | 12,746 | 13,117 |
| Expenses + | 4,449 | 4,490 | 4,154 | 5,956 | 5,194 | 5,398 | 4,418 | 5,943 | 5,321 | 4,754 | 5,123 | 5,904 | 5,324 |
| Financing Profit | 1,465 | 1,249 | 1,310 | -20 | 1,082 | 587 | 1,652 | 120 | 747 | 1,160 | 1,338 | 826 | 1,508 |
| Financing Margin % | 10% | 8% | 9% | -0% | 6% | 3% | 9% | 1% | 4% | 6% | 7% | 4% | 8% |
| Other Income + | 1,462 | 1,688 | 1,193 | 1,751 | 1,302 | 2,518 | 1,746 | 3,428 | 2,166 | 2,220 | 2,279 | 3,210 | 2,579 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 2,928 | 2,937 | 2,503 | 1,731 | 2,384 | 3,104 | 3,399 | 3,547 | 2,913 | 3,380 | 3,617 | 4,036 | 4,087 |
| Tax % | 47% | 50% | 25% | 17% | 29% | 24% | 26% | 26% | 23% | 24% | 25% | 25% | 25% |
| Net Profit + | 1,551 | 1,458 | 1,870 | 1,439 | 1,703 | 2,374 | 2,517 | 2,626 | 2,252 | 2,555 | 2,705 | 3,016 | 3,068 |
| EPS in Rs | 3.78 | 3.55 | 4.11 | 3.16 | 3.74 | 5.21 | 5.53 | 5.77 | 4.95 | 5.61 | 5.94 | 6.62 | 6.74 |
| Gross NPA % | 6.67% | 5.84% | 5.35% | 4.98% | 4.62% | 4.41% | 3.69% | 3.27% | 2.92% | 2.54% | 2.26% | 1.98% | 1.81% |
| Net NPA % | 1.65% | 1.54% | 1.41% | 1.22% | 0.99% | 0.94% | 0.85% | 0.82% | 0.75% | 0.65% | 0.60% | 0.56% | 0.51% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Board Meeting Intimation for Intimation Under Regulation 29 Of SEBI LODR Regulations - Raising Of Capital Through Establishment Of A Medium Term Note (MTN) Programme
Bank Of India Has informed Regarding ''Functional Assignment Of Senior Management Of The Bank''.