AI Summary
✦ ClarthaCentral Bank of India is a commercial bank serving retail, agricultural, MSME, and corporate borrowers. Deposits, housing and vehicle loans, agricultural credit, MSME finance, and corporate lending drive its revenue base. FY26’s ₹45,306 crore collection target achievement may support fee income and loan-growth momentum, though disclosed margin impact remains limited. Stable margins and 15.0% profit growth exceeded 5.1% revenue growth, indicating operating leverage, while ROE remains moderate at 11.6%. At 6.2x earnings, the stock appears discounted versus typical banking valuations and its growth rate. However, neutral sentiment reflects open questions around asset quality, credit costs, and sustainable returns.
Price 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
Analyst coverage unavailable
Fundamentals
Fundamentals institutional score is 56 using EVA spread proxy -0.4%; growth durability 69.6.
Valuation
Valuation institutional score is 88 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
No usable analyst target or recommendation data was available.
Technical Structure
Technicals institutional score is 99 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. valuation and technical structure provide support, while 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 25.8% below historical median. Valuation is stable — currently in the strongly undervalued zone (z-score: -1.25). Confidence: 76%.
Forward outlook is unavailable because live next-12-month estimate data is not available for this ticker right now.
5Y Average
0.83
Current
0.69
Overvalued
0.95
Undervalued
0.70
5Y Average
7.14
Current
6.23
Overvalued
11.04
Undervalued
7.07
5Y Average
1.99
Current
1.73
Overvalued
2.28
Undervalued
1.69
Peers & Comparison
Sector: Materials · Theme: Mining - Diversified
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
PUNJAB NATIONAL BANK PNBPublic Banks | +15.2% | 38.1% | 6.2x Undervalued | -24% vs avg | +11.9% |
INDIAN BANK INDIANBPublic Banks | +10.3% | 36.4% | 9.4x Premium | +15% vs avg | +34.2% |
BANK OF BARODA BANKBARODAPublic Banks | +18.0% | 27.4% | 7.2x Fair | -12% vs avg | +2.2% |
CANARA BANK CANBKPublic Banks | -12.9% | 43.1% | 6.0x Undervalued | -27% vs avg | +20.8% |
BANK OF INDIA BANKINDIAPublic Banks | +18.5% | 35.0% | 5.3x Undervalued | -35% vs avg | +28.0% |
BANK OF MAHARASHTRA MAHABANKPublic Banks | +21.8% | 53.4% | 8.2x Fair | 0% vs avg | +50.1% |
UCO BANK UCOBANKPublic Banks | +53.0% | 21.5% | 11.6x Premium | +41% vs avg | -7.1% |
INDIAN OVERSEAS BANK IOBPublic Banks | +48.1% | 36.6% | 11.3x Premium | +38% vs avg | -6.7% |
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
GUJARAT MINERAL DEV CORP GMDCLTDMining - Diversified | +23.8% | 33.8% | 19.7x Fair | 0% vs avg | +39.6% |
CENTRAL BANK OF INDIA trades at a discount (6.2x vs peer avg 8.2x), suggesting potential undervaluation relative to the Mining - Diversified cohort. Peers include PUNJAB NATIONAL BANK, INDIAN BANK, BANK OF BARODA — 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
₹9.69K CrJun 2026Latest net profit
₹1.32K CrJun 2026Free cash flow
₹2.33K CrMar 2026Net Profit
₹1.32K 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 + | 7,225 | 7,351 | 7,809 | 8,337 | 8,335 | 8,203 | 8,509 | 8,619 | 8,589 | 8,743 | 9,033 | 9,661 | 9,691 |
| Interest | 4,049 | 4,323 | 4,657 | 4,796 | 4,787 | 4,792 | 4,969 | 5,220 | 5,205 | 5,460 | 5,531 | 5,659 | 5,777 |
| Expenses + | 3,110 | 3,526 | 3,373 | 3,546 | 3,911 | 3,490 | 3,363 | 3,954 | 3,371 | 3,318 | 3,840 | 3,560 | 3,117 |
| Financing Profit | 66 | -498 | -221 | -5 | -363 | -80 | 177 | -556 | 12 | -35 | -338 | 442 | 797 |
| Financing Margin % | 1% | -7% | -3% | -0% | -4% | -1% | 2% | -6% | 0% | -0% | -4% | 5% | 8% |
| Other Income + | 959 | 1,061 | 1,330 | 1,362 | 1,165 | 1,647 | 1,229 | 1,714 | 1,771 | 1,507 | 1,926 | 1,150 | 987 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1,025 | 563 | 1,109 | 1,356 | 802 | 1,567 | 1,407 | 1,158 | 1,783 | 1,471 | 1,588 | 1,592 | 1,784 |
| Tax % | 59% | -8% | 35% | 40% | -10% | 42% | 32% | 11% | 34% | 18% | 20% | 54% | 26% |
| Net Profit + | 418 | 605 | 718 | 807 | 880 | 913 | 959 | 1,034 | 1,169 | 1,213 | 1,263 | 724 | 1,324 |
| EPS in Rs | 0.48 | 0.70 | 0.83 | 0.93 | 1.01 | 1.05 | 1.10 | 1.14 | 1.29 | 1.34 | 1.39 | 0.80 | 1.46 |
| Gross NPA % | 4.95% | 4.62% | 4.50% | 4.50% | 4.54% | 4.59% | 3.86% | 3.18% | 3.13% | 3.01% | 2.70% | 2.67% | 2.60% |
| Net NPA % | 1.75% | 1.64% | 1.27% | 1.23% | 0.73% | 0.69% | 0.59% | 0.55% | 0.49% | 0.48% | 0.45% | 0.49% | 0.49% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).