BANKINDIA.NS
Key Ratios

Net Profit Margin: Making high profit when compared with its revenue which generally means company’s strong hold in the market, and good efficiency of the business

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: NA

Debt to Equity Ratio: Company has moderate debt when compared to its equity which means it would be just able to pay its debt with the equity

P/E Ratio: Undervalued stock and low growth is expected as company’s stock price is very closer to its earnings per share

Performance Graph
Financial Ratios
Ratio Value
PE Ratio7.00
Net Profit Margin0.22
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio0.00
Debt to Equity0.94
Key Ratios

Net Profit Margin: Making high profit when compared with its revenue which generally means company’s strong hold in the market, and good efficiency of the business

Return on Assets: NA

Return on Equity: Very low income of the company when compared with its equity, which means inefficient equity

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin0.22
Return on Assets0.00
Return on Equity0.09
Performance Graph
Key Ratios

Acid Test Ratio: NA

Current Ratio: NA

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio0.00
Current Ratio0.00
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: NA

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio0.00
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has moderate debt when compared to its equity which means it would be just able to pay its debt with the equity

Interest Coverage Ratio: NA

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio0.94
Interest Coverage Ratio0.00
Performance Graph
Key Ratios

P/E Ratio: Undervalued stock and low growth is expected as company’s stock price is very closer to its earnings per share

Dividend Yield: NA

Performance Graph
Market Ratios
Ratio Value
P/E Ratio7.00
Gross Profit Margin0.00
Price to Book Ratio0.65
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of Bank of India Limited

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 9242800000000 8260360000000 7346140000000
Total Non Current Assets - - -
Other Non Current Assets - - -
Non Current Prepaid Assets - - -
Non Current Deferred Taxes Assets - - -
Financial Assets - - -
Investment In Financial Assets 2319780000000 2091410000000 1726350000000
Held To Maturity Securities - - -
Available For Sale Securities 54687470000 47870865000 6941855000
Financial Assets Fair Value - - -
Long Term Equity Investment 26136499000 21824326000 18138084000
Investments In Associates At Cost 26136499000 21824326000 18138084000
Goodwill And Other Intangible Assets - - -
Other Intangible Assets - - -
Goodwill - - -
Net Ppe 103275000000 100606000000 97749535000
Accumulated Depreciation -46289818000 -41364392000 -36499545000
Gross Ppe 149565000000 141970000000 134249000000
Construction In Progress 1500152000 1104291000 2853971000
Other Properties 55725672000 48803746000 42944931000
Machinery Furniture Equipment - - -
Buildings And Improvements - - -
Land And Improvements - - -
Properties 92339269000 92061922000 88450178000
Current Assets - - -
Other Current Assets - - -
Hedging Assets Current - - -
Assets Held For Sale Current - - -
Restricted Cash - - -
Prepaid Assets 55345186000 68620019000 73700345000
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables - - -
Taxes Receivable - - -
Accounts Receivable - - -
Allowance For Doubtful Accounts Receivable - - -
Gross Accounts Receivable - - -
Cash Cash Equivalents And Short Term Investments - - -
Other Short Term Investments - - -
Cash And Cash Equivalents 831230000000 846833000000 915576000000
Cash Equivalents 164224000000 131033000000 87708456000
Cash Financial 21529801000 21672603000 24244922000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt - - -
Total Debt 664603000000 623232000000 232414000000
Total Liabilities Net Minority Interest 8535380000000 7654460000000 6794830000000
Total Non Current Liabilities Net Minority Interest - - -
Other Non Current Liabilities - - -
Derivative Product Liabilities - - -
Non Current Pension And Other Postretirement Benefit Plans - - -
Trade And Other Payables Non Current - - -
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - - -
Long Term Debt And Capital Lease Obligation 664603000000 623232000000 232414000000
Long Term Capital Lease Obligation - - -
Long Term Debt - - -
Long Term Provisions - - -
Current Liabilities - - -
Other Current Liabilities - - -
Current Deferred Taxes Liabilities - - -
Current Debt And Capital Lease Obligation - - -
Current Capital Lease Obligation - - -
Current Debt - - -
Pension And Other Post Retirement Benefit Plans Current - - -
Current Provisions - - -
Payables 48585825000 42024630000 34505519000
Other Payable 16576874000 16228810000 17110211000
Dividends Payable - - -
Total Tax Payable - - -
Accounts Payable 32008951000 25795820000 17395308000
Common Stock Equity 705813000000 604329000000 551312000000
Total Capitalization 1370420000000 1227560000000 783726000000
Total Equity Gross Minority Interest 707421000000 605895000000 551312000000
Minority Interest 1608093000 1565135000 1294950000
Stockholders Equity 705813000000 604329000000 551312000000
Other Equity Interest - - -
Treasury Stock - - -
Retained Earnings 73388004000 34767772000 19986503000
Additional Paid In Capital 219186000000 173852000000 162545000000
Capital Stock 45534070000 41043052000 41043052000
Common Stock 45534070000 41043052000 41043052000

Income statement interpretation for Bank of India Limited

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 294491000000 263604000000 215334000000
Operating Revenue 294491000000 263604000000 215334000000
Cost Of Revenue - - -
Gross Profit - - -
Ebitda - - -
Ebit - - -
Operating Income - - -
Net Income 65644637000 38379536000 34925765000
Net Income From Continuing Operation Net Minority Interest 65644637000 38379536000 34925765000
Net Income From Continuing And Discontinued Operation 65644637000 38379536000 34925765000
Net Income Common Stockholders 65644637000 38379536000 34925765000
Net Income Including Noncontrolling Interests 65665758000 38393329000 34873106000
Net Income Discontinuous Operations - - -
Net Income Continuous Operations 65665758000 38393329000 34873106000
Normalized Income 65466395421 37526244773 33231078109
Normalized Ebitda - - -
Total Unusual Items 284569000 1340510000 2773122000
Total Unusual Items Excluding Goodwill 284569000 1340510000 2773122000
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 5086998000 4265105000 3635111000
Reconciled Cost Of Revenue - - -
Total Expenses - - -
Operating Expense 157483000000 151228000000 124087000000
Other Operating Expenses 40084436000 43803535000 32079601000
Depreciation And Amortization In Income Statement 5086998000 4265105000 3716786000
Amortization - - -
Depreciation Income Statement 5086998000 4265105000 3716786000
Selling General And Administration 1960903000 1930975000 1577609000
Selling And Marketing Expense 430518000 296977000 172548000
General And Administrative Expense 1530385000 1633998000 1405061000
Rent And Landing Fees 9311660000 8664225000 8026479000
Tax Provision 38086000000 22166200000 21675300000
Pretax Income 101931000000 60987003000 55736549000
Other Non Operating Income Expenses - - -
Special Income Charges 284569000 1340510000 2773122000
Other Special Charges -284569000 -1340510000 -2773122000
Write Off - - -
Net Non Operating Interest Income Expense - - -
Total Other Finance Cost - - -
Interest Expense Non Operating - - -
Interest Income Non Operating - - -
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 15.48 9.35 9.07
Basic Eps 15.48 9.35 9.07
Diluted Ni Avail To Com Stockholders 65644637000 38379536000 34925765000
Net Income From Continuing Operations 103731000000 60545762000 55667484000
Minority Interests -21121000 -13793000 52659000

Cash flow analysis for Bank of India Limited

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow -44369408000 -70450426000 -353163000000
Changes In Cash -15603167000 -70256113000 -350230000000
Taxes Refund Paid 12399221000 3560381000 -5609666000
Change In Working Capital -215999000000 -202285000000 -463634000000
Change In Other Current Liabilities 33687694000 -35287189000 54715621000
Change In Other Current Assets -33580490000 46210848000 -16553919000
Change In Payable - - -
Change In Inventory - - -
Change In Receivables - - -
Other Non Cash Items 7941056000 6971690000 7038868000
Stock Based Compensation - - -
Provision And Write Off Of Assets 42039250000 73789311000 40243450000
Depreciation And Amortization 5086998000 4265105000 3635111000
Amortization Cash Flow - - -
Depreciation 5086998000 4265105000 3635111000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow -9910490000 -5213388000 -8346599000
Net Other Investing Changes -1777473000 -189075000 -1000
Interest Received Cfi - - -
Dividends Received Cfi 136605000 212456000 184462000
Net Investment Purchase And Sale - - -
Sale Of Investment - - -
Purchase Of Investment - - -
Net Business Purchase And Sale - -8627665000 -3043900000
Sale Of Business - - -
Purchase Of Business - - -
Net Ppe Purchase And Sale -8269622000 -5236769000 -5487160000
Sale Of Ppe 235713000 996158000 204117000
Purchase Of Ppe -8505335000 -6232927000 -5691277000
Net Intangibles Purchase And Sale - - -
Purchase Of Intangibles - - -
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow 38676731000 5407701000 11279036000
Net Other Financing Charges - - -
Interest Paid Cff -7941056000 -6971690000 -7038868000
Cash Dividends Paid -8207132000 -8207132000 -
Common Stock Dividend Paid -8207132000 -8207132000 -
Net Common Stock Issuance 49824919000 5586523000 25317904000
Common Stock Payments - - -
Common Stock Issuance 49824919000 5586523000 25317904000
Repurchase Of Capital Stock - - -
Repayment Of Debt - - -
Issuance Of Debt - - -
Issuance Of Capital Stock 49824919000 5586523000 25317904000
Net Issuance Payments Of Debt 5000000000 15000000000 -7000000000
Net Short Term Debt Issuance - - -
Short Term Debt Issuance - - -
Net Long Term Debt Issuance 5000000000 15000000000 -7000000000
Long Term Debt Payments - - -
Long Term Debt Issuance - - -
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of BANKINDIA.NS (Bank of India Limited)

Above is the summary for fundamental analysis of Bank of India Limited , whose ticker name is BANKINDIA.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The Bank of India Limited which is listed in NSE (National Stock Exchange) has a PE ratio of 7.00, BANKINDIA.NS has a net profit margin of 0.22, the acid test ratio for BANKINDIA.NS is 0.00, BANKINDIA.NS has an inventory turnover of 0.00, and BANKINDIA.NS has debt-to-equity ratio of 0.94.

The BANKINDIA.NS whose company name is Bank of India Limited has made profit/loss of 0 with total revenue of 294491000000, BANKINDIA.NS has assets worth of 9242800000000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

2. How to Use Our Tool

  • Search for the stock that you want to analyze in the search bar by typing the name of the company or ticker.
  • Once you land on the Stock Analytics Page, click on “Fundamental Analysis”; this will take you to the fundamental analysis page.
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  • On the “Fundamental Analysis” page, the first tab is for “Summary and Ratio,” where in the top section you can find the overall summary of the stock’s fundamental analysis, where on the leftmost side it has a textual summary, then in the middle a gauge chart that represents overall financial health, and then a list of important ratios.
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  • Then in the same “Summary and Ratio” tab, we have included a detailed analysis of stock in various aspects, which includes “Profitability Analysis,” “Liquidity Analysis,” “Efficiency Analysis,” “Coverage Analysis,” Solvency Analysis,” and “Market Analysis,” which divide the stock’s fundamentals into the above aspects and analyze each in the same format as for overall analysis, where the leftmost side has a textual summary, then in the middle a gauge chart that represents overall analysis of the particular section, and then a list of important ratios. Required for the particular analysis.
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