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BOI.NS — NSE (India) Banks

Bank of India Ltd

$147,00
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LatestIndian Bank targets ₹5,500 crore bad-loan recovery in FY27
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Mcap
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P/E
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EV / Rev
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Div yield
3,21 %
Op margin
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ROE
10,6 %
Net margin
38,6 %
Debt / equity
1,34
Beta
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52w range
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Volume
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Day range
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Prev close
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Open
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Next earnings
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About

Bank of India Ltd is a commercial bank in the Financials sector that generates revenue through interest income and fee-based banking services.

Business. Bank of India Ltd (BOI.NS) is a commercial bank headquartered in India that operates within the Banking Services industry. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. It is listed on the National Stock Exchange of India (NSE). Specific details regarding operating segments or geographic revenue mix are not available.

Classification62 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupBanking Services
IndustryBanks
ActivityCommercial Banks
Generated · model-assisted
Sell-side consensus
BUY4 analysts
2 buy1 hold1 sell
Avg 12m price target163,75

Analyst recommendations

4 analysts · consensus Buy
Buy2
Hold1
Sell1
12-month price target
163,75
Consensus of sell-side coverage.
Upcoming events
— missing data
See all catalysts →

At a glance

Score→
62
composite score
Valuation
—
valuation pending
Analysts→
Buy
4 analysts · indicative
Ownership
—
not yet wired
Profitability→
10,6 %
return on equity
Quality→
55
quality score (0-100)

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

6
  • ● MARKETSIndian Bank targets ₹5,500 crore bad-loan recovery in FY272026-07-12
  • ● MARKETSIndia FM to review foreign currency deposit drive with PSB chiefs2026-07-12
  • ● MARKETSSBI MF IPO OFS shrinks by 2.88 crore shares after pre-IPO placement2026-07-11
  • MARKETSIndia IPO pipeline surges with SBI Funds Management and Alpine Texworld leading Rs 11,980 cr week2026-07-11
  • MARKETSSBI Funds Management closes ₹1,655 crore marquee round ahead of India's largest IPO2026-07-10
  • MARKETSFed task forces led by Andreessen and Rajan signal Warsh's push to modernize monetary policy2026-07-10

    • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,2 %+2,9 %+2,1 %
    Energy+0,9 %+5,1 %+0,8 %
    Health Care+0,7 %−1,3 %+0,6 %
    Real Estate+0,7 %+4,1 %+0,6 %
    Consumer Discretionary+0,3 %+9,4 %+0,2 %
    Information Technology+0,1 %+8,1 %−0,0 %
    Financials · THIS SECTOR−0,4 %−2,7 %−0,5 %
    Consumer Staples−0,5 %+3,0 %−0,6 %
    Industrials−1,0 %−0,3 %−1,2 %
    Utilities−1,9 %+28,2 %−2,0 %
    Communication Services———

    Developing storylines

    low
    Energy Market Volatility
    168 posts
    low
    Global Markets Earnings Rotation
    7 posts

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-07-12 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Peers
    • EarningsQ2 2026 earnings (expected)2026-07-14 · estimated · JPMorgan Chase (JPM)
    • EarningsQ2 2026 earnings (expected)2026-07-14 · estimated · Bank of America (BAC)
    • Macro
    • Rate decisionBank of Canada rate decision (press conf.)2026-07-15 · CA
    • Rate decisionBank of Japan rate decision (press conf.)2026-07-16 · JP
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-07-16 · EU
    • Rate decisionFederal Reserve rate decision (press conf.)2026-07-29 · US
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · 2026-07-03

    Composite-score breakdown

    Score breakdown62
    Profitability+35
    Sentiment+30
    Risk penalty−3
    Missing signals−3

    Synthesis

    Business

    Bank of India Ltd (BOI.NS) is a commercial bank headquartered in India that operates within the Banking Services industry. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. It is listed on the National Stock Exchange of India (NSE). Specific details regarding operating segments or geographic revenue mix are not available.

    Classification62 %
    SectorFinancials
    Business sectorBanking & Investment Services
    Industry groupBanking Services
    IndustryBanks
    ActivityCommercial Banks
    AI synthesis
    GENERATED

    Bank of India maintains a capital structure characterized by total assets of 11.8 trillion INR and total equity of 900 billion INR. The debt-to-equity ratio stands at 1.34, reflecting long-term debt of 1.2 trillion INR against the equity base. Liquidity risk is assessed as medium, with a key flag noting that net cash is negative after subtracting total debt. Operating cash flow is recorded at 47.5 billion INR, while free cash flow is 80.9 billion INR, supported by capital expenditures of -8.9 billion INR.

    Profitability metrics show a return on equity of 10.61% and a return on assets of 0.81%. Net income for the latest period is 103.1 billion INR, derived from total revenue of 254.7 billion INR. Without cohort median data provided in the input, specific comparative analysis against sector peers is omitted, but the absolute returns indicate a standard profitability profile for a large commercial bank.

    Key takeaways
    • Bank of India reports net income of 103.1 billion INR on revenue of 254.7 billion INR, yielding an ROE of 10.61%.
    • Liquidity risk is medium due to negative net cash after debt subtraction, despite operating cash flow of 47.5 billion INR.
    • Dilution risk is low with no difference between basic and diluted shares outstanding at 4.55 billion.
    • Analyst sentiment is mixed with a mean recommendation of 2.75 and a median price target of 160.00 INR.
    • Capital structure includes 1.2 trillion INR in long-term debt against 900 billion INR in total equity.

    Bull / Bear case

    Generated · model-assisted
    BULL CASE · 4

    Net income CAGR of 17.1% over four years demonstrates strong historical earnings growth momentum for the bank.

    Return on equity of 10.6% significantly exceeds the 5.9% median for the broader banking cohort.

    Analysts project 11.4% upside to a mean price target of 163.75, signaling positive market sentiment.

    Revenue CAGR of 13.2% over four years highlights consistent top-line expansion despite recent volatility.

    BEAR CASE · 1

    Debt-to-equity ratio of 1.34 is substantially higher than the 0.43 median, indicating elevated leverage risk.

    In focus — financials by report

    Annual
    ANNUALFiled 2026-05-08
    FY 2026 · Full-year highlights

    Revenue INR 254.74B, +3,1% YoY; Net income +7,9% YoY.

    RevenueINR 254.74B+3,1 % YoY
    Operating income—
    Net incomeINR 103.06B+7,9 % YoY
    Free cash flowINR 80.86B+1,8 % YoY
    EPS—
    Operating cash flowINR 47.53B−74,4 % YoY
    Financials
    Income statement
    RevenueINR 254.74B
    Gross profit—
    Operating income—
    Net incomeINR 103.06B
    Margins
    Gross margin—
    Operating margin—
    Net margin40.5%
    FCF margin31.7%
    Balance sheet
    Total assetsINR 11.80T
    Total liabilitiesINR 10.90T
    Total equityINR 899.59B
    Cash & equivalents—
    Long-term debtINR 1.20T
    Cash flow
    Operating cash flowINR 47.53B
    CapEx-INR 8.90B
    Free cash flowINR 80.86B
    SBC—
    P&L flow · revenue → net income
    Revenue INR 254.74BFinance INR 501.39BNet income INR 103.06B
    Highlights
    • ▍Revenue INR 254.74B, +3,1% YoY
    • ▍Net income +7,9% YoY
    • ▍Free cash flow +1,8% YoY
    • ▍Net margin 40.5%

    Valuation FY

    Market price
    $147,00
    Market cap
    —
    Enterprise valueⓘ
    —
    P/Eⓘ
    —
    Non-GAAP P/Eⓘ
    —
    EV / Revenueⓘ
    —
    EV / Op incomeⓘ
    —
    EV / OCFⓘ
    —
    P / Bⓘ
    —
    P / Tangible bookⓘ
    —
    Tangible book
    $899.59B
    Net cashⓘ
    -$1.20T
    Current ratioⓘ
    —
    Debt / equityⓘ
    1.3
    ROAⓘ
    0.8%
    ROEⓘ
    10.6%
    Cash conversionⓘ
    50.0%
    CapEx / revenueⓘ
    -3.6%
    SBC / revenueⓘ
    —
    Dilution ratioⓘ
    0.0%

    Revenue by segment

    Corporate & Institutional Banking—
    low · llm_fanout_v2
    Retail Banking Services—
    low · llm_fanout_v2

    Market share

    — missing data

    Business relationships

    Business relationships3 disclosed relationships · 1 type · extracted from filings & disclosures
    Competitors3
    Bank Of America CorpBAC.OCompetitor50%
    CITIGROUP INC.C.NCompetitor50%
    JPMORGAN CHASE & CO.JPM.NCompetitor50%

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Next quarternear-term
    Earnings · next quarterconf 42 %
    EPS
    Consensus EPS
    20,76
    Predicted surprise
    +0,01
    Beat probability
    42 %
    Analysts
    4
    Other metrics
    Revenue
    —
    no estimate
    Segment revenue
    —
    no estimate
    Margin
    —
    no estimate
    Segment margin
    —
    no estimate
    revision ratio -0,06 · as of 2026-07-11 · Earnings Surprise V1
    Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
    Full fiscal year~1 year ahead
    Full fiscal year · our forecast vs guidance vs consensus
    MetricOur forecastGuidanceConsensus
    EPS—no estimate—no estimate20,76
    Revenue—no estimate—no estimate354,1B INR
    Operating income—no estimate—no estimate126,3B INR
    Full-year consensus mean (period as reported by source) · consensus in INR. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
    Probabilistic model output — not investment advice. · generated 2026-07-12

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution4 analysts
    Strong buy1
    Buy0
    Hold2
    Sell1
    Strong sell0
    12-month price target$152,50 · Median $160,00
    Low $115,00High $175,00
    Operating income · consensus126,3B INR
    EPS surprise
    +14,5 %
    reported vs consensus · beat
    Revenue surprise
    +0,3 %
    reported vs consensus · beat

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$115,00
    Mean$163,75
    Median$175,00
    High$190,00
    Spot$147,00
    +11.4 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Net Margin38,6 %Above median
    ROE10,6 %Above median
    Capex / Rev-3,6 %Above median
    D/E1,34Below median
    Cash Conv0,50Below median

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    • Reference data
    How metrics are computed
    • Debt To Equity
      (short_term_debt + long_term_debt) / total_equity
    • Cash Conversion Ratio
      operating_cash_flow / net_income
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    • Return On Assets
      net_income / total_assets
    • Return On Equity
      net_income / total_equity
    Source documents
    • Bank of India Ltd Market data — financials · 2026-07-11
    • Bank of India Ltd Market data — analyst estimates · 2026-07-11
    • Bank of India Ltd Market data — ESG · 2026-07-11

    Ownership & reference

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    BOI.NSCanonical
    NSE (India) · USD

    Intel & risk

    PredictorBeat prob42 %Surprise+0,01Full forecast →
    peak dispatch · 2026-07-03
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.
    Relationship graph
    BOIJPMBACCBanks
    This companyPeerSector

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2026-07-12 04:04 UTCSAGAEnergy Market Volatility Rising oil prices and geopolitical tensions in the Gulf and Africa drive selloffs in bond markets and boost energy firm earnings.
    2026-07-10 15:07 UTCSAGASBI Funds IPO Launch State Bank of India completes pre-IPO stake sale for its asset management arm, setting valuation benchmarks ahead of the July public offering.
    2026-07-10 12:56 UTCNEWSIndian Bank targets $2 billion in FCNR (B) deposits by September under new RBI framework → The lender has already raised $140 million since the swap window opened in June, signaling strong appetite for dollar funding among Indian public sector banks.
    2026-07-10 09:02 UTCNEWSSBI raises ₹1,655 crore in pre-IPO stake sale for asset management arm → State Bank of India sold a 1.42% stake in SBI Funds Management to 30 investors, setting a valuation benchmark ahead of the July 14 public offering.
    2026-07-10 05:41 UTCNEWSSBI Funds Management IPO opens Tuesday; GMP points to 15% listing gain → India's largest asset manager launches its book build with strong pre-market demand signals, following the recent filing of its red herring prospectus.
    2026-07-10 02:08 UTCNEWSPaytm seeks RBI approval to revive wallet business amid international expansion push → One 97 Communications aims to normalize domestic regulatory standing while scaling overseas operations, drawing investor attention to its dual-track strategy.
    2026-07-09 12:38 UTCNEWSIndian rupee edges higher as oil dip and RBI intervention ease pressure → Easing crude prices and central bank support helped the rupee close at 95.3875 per dollar, marking a modest recovery amid broader market volatility.
    2026-07-09 06:37 UTCNEWSState Bank of India raises $1.5 billion in forex deposits as rates hit 7.5% → The lender's surge in foreign-currency inflows highlights a broader rush by overseas investors into Indian banking assets, driven by attractive yields and central bank support.
    2026-07-09 00:06 UTCNEWSIndia's US Treasury holdings drop to $181bn, lowest in six years → Reserve Bank of India accelerates diversification into gold as exposure to US debt shrinks, signaling a structural shift in foreign reserve management.
    2026-07-08 16:21 UTCNEWSSBI Funds Management files RHP for $1.2bn IPO; subscription opens July 14 → India's largest asset manager moves to list as SBI divests stake, with price band expected Thursday.
    2026-07-08 15:59 UTCNEWSSBI Mutual Fund IPO opens July 14, price band due Friday → India's largest asset manager moves to list as Amundi prepares to offload stake in the $1.2 billion offering backed by sovereign wealth funds.
    2026-07-08 12:37 UTCNEWSRBI doubles down on crypto prohibition, citing systemic risks and tax evasion → India’s central bank maintains its hardline stance against virtual assets, deepening the regulatory standoff with the government as a formal framework remains elusive.
    2026-07-08 11:27 UTCNEWSIndia 5-year OIS hits four-month low as foreign investors unwind rate-hike bets → Record swap turnover signals a sharp pivot in positioning, with the curve compressing to levels just 10 basis points above pre-conflict norms.
    2026-07-08 08:09 UTCNEWSIndia central bank and tax authorities escalate push for crypto prohibition → Internal documents reveal the Reserve Bank of India and the Income Tax Department are jointly urging a ban on digital assets, citing financial stability and tax evasion risks.
    2026-07-08 04:39 UTCNEWSRBI approves Mahesh Pai as South Indian Bank CEO from October → Regulatory clearance for the Kerala lender's incoming chief marks a key governance milestone, following a broader wave of leadership transitions across Indian private banks.
    2026-07-07 09:54 UTCNEWSSBI Funds Management secures $1.2 billion IPO backing from ADIA and GIC → India's largest asset manager values its joint venture at $12.3 billion as sovereign wealth funds anchor the listing, signaling robust appetite for Indian financial assets.
    2026-07-07 04:14 UTCNEWSIndian bond rally extends on foreign inflows and improving monsoon outlook → Bullish sentiment in Indian government debt persists as foreign capital returns and better-than-expected rainfall supports growth expectations.
    2026-07-07 00:25 UTCNEWSBrokerages initiate coverage on Kirloskar Oil Engines, APL Apollo, Union Bank with buy ratings → Analysts see 16-24% upside in three Indian names as value plays gain traction amid global market uncertainty.
    2026-07-05 11:12 UTCNEWSBrent crude retreats as US-Iran ceasefire hopes ease supply fears, lifting Asian equities → Falling crude costs provide disinflationary relief for importers like India, giving central banks more room to prioritize growth amid improving geopolitical sentiment.
    2026-07-03 15:37 UTCNEWSIIFL Finance raises $300 million via social dollar bond at 7.75% yield → The Indian lender's second international fundraise in a month signals strong investor appetite for emerging-market debt, following a similar move by Power Finance Corp.
    2026-07-03 14:36 UTCNEWSICICI Bank to raise $500m in dollar bonds, first offshore issuance since 2017 → The lender joins HDFC and Axis in tapping offshore markets under RBI swap rules, signaling deepening access for Indian banks to global funding.
    2026-07-03 09:18 UTCNEWSFalling crude and easing inflation set constructive tone for Indian equities in H2 → Brokerages see a shift in sentiment for Dalal Street as energy costs recede, though monsoon uncertainty and stretched valuations remain key risks for investors.
    2026-07-03 07:02 UTCNEWSICICI Bank eyes $500m dollar bond sale, first since 2017 → India's second-largest private lender moves to tap offshore markets after a regulatory concession, adding to a wave of emerging-market issuers returning to global debt.
    2026-07-03 03:36 UTCNEWSIIFL Finance raises $300 million in social debt, following PFC's international debut → The gold loan lender's second dollar bond issue in a month signals deepening appetite for Indian non-bank debt, building on the structural shift initiated by Power Finance Corp.
    2026-07-03 02:46 UTCNEWSRBI warns against crypto legalisation, citing risks to emerging economies → The central bank's stance before a parliamentary committee reinforces India's restrictive regulatory posture on virtual assets, complicating the sector's path to formal recognition.
    2026-07-03 02:31 UTCNEWSIndian PSU banks report strong Q1 loan growth, signaling credit recovery → Punjab National Bank and Bank of India posted double-digit credit expansion in the first quarter of FY27, outpacing the sluggish growth seen in the non-banking financial sector.
    2026-07-01 08:40 UTCNEWSIndia manufacturing PMI falls to three-month low as demand softens → Factory output growth decelerated in June, though easing input costs offer some relief for inflation-sensitive investors.
    2026-07-01 03:26 UTCNEWSIndian rupee faces fresh pressure as US Treasury yields climb and Asian peers weaken → Rising bond yields and regional currency weakness threaten the rupee's stability, raising the prospect of Reserve Bank of India intervention as traders return from a long weekend.
    2026-07-01 00:08 UTCSAGARBI Regulatory Shift Reserve Bank of India tightens collateral rules for trading firms while opening government securities to retail investors and dismissing rate hike speculation.
    2026-07-01 00:08 UTCNEWSIndian corporate bond issuance rebounds as RBI policy shifts ease borrowing costs → Easing yields and regulatory changes for state-run firms are driving a return to domestic debt markets, potentially reducing crowding from government borrowing.
    2026-06-30 16:43 UTCNEWSIndia household debt hits 45.5% of GDP as borrower quality improves: RBI → Rising leverage is offset by stronger credit profiles, suggesting the central bank sees manageable risk despite the higher debt-to-income ratio.
    2026-06-30 14:59 UTCNEWSIndia inflation outlook improves as easing commodity prices curb import pressures → Softer global crude and urea prices are expected to keep imported inflation in check, supporting a stable macro backdrop for the world's third-largest economy.
    2026-06-30 10:56 UTCNEWSIndian benchmarks slip as IT sector drags, offsetting oil tailwinds → Nifty 50 and Sensex retreat on rate fears despite monthly gains supported by lower crude costs and central bank easing.
    2026-06-30 06:18 UTCNEWSNuvama names 12 Indian banking stocks for long-term buy amid macro headwinds → Brokerage highlights SBI, HDFC Bank, and ICICI Bank as top picks despite West Asia conflict and monsoon risks.
    Showing the 40 most recent of 68 entries.
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-07-12 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data Premium coverage