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BOI.NS — NSE (India) Banks

Bank of India Ltd

$147,00
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LatestRBI MPC begins three-day review; Malhotra expected to hold repo rate steady
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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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Ex-dividend
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TR 1Y
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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
HOLD4 analysts
1 buy2 hold1 sell
Avg 12m price target152,50

Analyst recommendations

4 analysts · consensus Hold
Buy1
Hold2
Sell1
12-month price target
152,50
Consensus of sell-side coverage.
Upcoming events
— missing data
See all catalysts →

At a glance

Score
—
not yet scored
Valuation
—
valuation pending
Analysts→
Hold
4 analysts · indicative
Ownership
—
not yet wired
Profitability→
10,6 %
return on equity
Quality
—
not yet scored

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
  • ● MARKETSRBI MPC begins three-day review; Malhotra expected to hold repo rate steady2026-08-05
  • ● MARKETSIndian rate-sensitive stocks in focus ahead of RBI policy decision2026-08-05
  • ● MARKETSIndian equities under pressure ahead of RBI rate decision2026-08-05
  • ● MARKETSIndian rupee holds steady at 95.38 as traders await RBI policy decision2026-08-04
  • ● ENERGYIndian markets dip as oil rebound and profit-taking weigh ahead of RBI decision2026-08-04
  • ● MARKETSIndian bond yields fall as traders position ahead of RBI policy decision2026-08-04

    • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,7 %
    Energy+0,6 %+3,3 %+0,1 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,8 %+0,0 %
    Consumer Discretionary+0,4 %+7,9 %−0,2 %
    Financials · THIS SECTOR−0,2 %+0,9 %−0,8 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Consumer Staples−0,7 %+2,3 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    low
    central-bank-reserve-shifts-8833470b
    0 posts
    low
    Private Credit Liquidity Stress
    65 posts
    low
    global-markets-earnings-rotation-16082846
    0 posts

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-05 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Peers
    • DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
    • Macro
    • 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
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • 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 · 2026-07-16

    Composite-score breakdown

    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 2026-08-04

    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$152,50
    Median$160,00
    High$175,00
    Spot$147,00
    +3.7 %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/E1,34Bottom quartile
    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 · 2026-07-16
    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
    2026-08-04 05:49 UTCNEWSIndian bond rally stalls ahead of RBI policy and state debt supply → Benchmark yields hold steady as investors pause before the central bank's decision and a wave of state borrowing tests market appetite.
    2026-08-04 05:08 UTCNEWSIndian bank stocks slide as investors brace for RBI rate hold amid inflation fears → SBI, HDFC Bank, and Axis Bank shares fell on Tuesday, reversing Monday's gains as traders priced in a cautious Reserve Bank of India stance ahead of tomorrow's policy decision.
    2026-08-04 04:22 UTCNEWSIndian markets open lower as profit-taking follows rally; RBI policy in focus → Nifty 50 and Sensex retreat from recent highs as investors digest Monday's surge ahead of the Reserve Bank of India's upcoming rate decision and a busy earnings calendar.
    2026-08-04 02:28 UTCSAGAHormuz Tensions Escalate U.S.-Iran clashes and diplomatic setbacks in the Strait of Hormuz raise global energy market concerns and risk of renewed conflict.
    2026-08-04 01:07 UTCSAGAHormuz Naval Operation U.S. military actions and Trump administration policies escalate tensions in the Strait of Hormuz, impacting global oil markets and shipping routes.
    2026-08-03 23:39 UTCSAGAPrivate Credit Liquidity Stress Apollo caps redemptions in its flagship private credit fund following a surge in exits, signaling deepening liquidity stress and fragility within the retail-focused asset class.
    2026-08-03 13:15 UTCSAGAEnergy Market Volatility Rising oil prices and geopolitical tensions in the Gulf and Africa drive selloffs in bond markets and boost energy firm earnings.
    2026-08-03 08:41 UTCSAGAFed Policy Iran Tensions Asian equities rally ahead of the FOMC meeting while US Treasury yields dip and household energy costs surge amid escalating Iran conflict and inflation fears.
    2026-08-03 07:41 UTCSAGAGlobal Markets Energy Shift Shell profits surge on Iran-driven oil prices while European stocks open flat and Indian IT gains offset crude pressure amid US savings decline.
    2026-08-03 04:51 UTCNEWSOil retreat and dollar inflows cushion Indian bonds after index snub → Falling crude prices and central bank-led capital inflows offset disappointment over delayed global index inclusion, stabilizing the Indian debt market.
    2026-08-03 03:55 UTCNEWSRBI MPC begins three-day meeting as markets price in rate hold → With global inflation risks persisting, consensus expects the central bank to maintain the benchmark repo rate, keeping borrowing costs steady for now.
    2026-08-03 03:12 UTCNEWSOil retreat bolsters RBI's Indian rupee defense, extending currency rally → Falling crude prices ease import costs, giving the central bank's dollar sales a stronger tailwind as the rupee extends its weekly recovery.
    2026-08-02 13:11 UTCNEWSMuthoot Finance chief defends gold loan dominance as sector faces selling pressure → George Alexandar Muthoot compares the lender's market position to SBI's in banking, even as shares of India's top gold loan NBFCs slide on renewed investor caution.
    2026-08-02 09:20 UTCNEWSRupee resilience defies 20% oil surge as RBI intervention and capital inflows hold firm → Strong foreign investment flows and central bank support offset the drag from soaring crude costs, keeping the Indian currency stable despite a sharp energy price spike.
    2026-08-02 08:58 UTCNEWSRBI expected to hold rates in August, maintain hawkish stance on inflation → Economists forecast the Reserve Bank of India will keep the repo rate steady while signaling caution, as persistent price pressures limit room for easing.
    2026-08-02 05:37 UTCNEWSIndia markets brace for RBI policy decision and Q1 earnings season → Investors face a pivotal week as the Reserve Bank of India's monetary stance converges with the start of the fiscal year's first-quarter reporting cycle.
    2026-08-01 05:40 UTCNEWSIndia's capital inflow measures attract $41 billion as rupee support efforts gain traction → The Reserve Bank of India's targeted instruments have drawn $40.8 billion, with foreign-currency deposits accounting for the bulk of the inflow.
    2026-08-01 04:32 UTCNEWSIndian firms plan fresh price hikes as inflation breaches RBI target → Consumer prices in India rose above the Reserve Bank's 4% threshold for the first time in 18 months, driven by food and fuel costs linked to Middle East tensions.
    2026-07-31 15:49 UTCNEWSIndia bonds end four-month rally as oil surge and US yields weigh → The benchmark 2036 bond yield hit 6.83% as geopolitical risk in the Middle East and higher US rates capped emerging-market appetite.
    2026-07-31 12:37 UTCNEWSRBI mandates currency detection machines at border bank branches → The Reserve Bank of India tightens physical security protocols for lenders operating near international frontiers, targeting counterfeit note circulation.
    2026-07-31 03:04 UTCNEWSIndian rupee set to strengthen as dollar slump and softer oil prices ease import burden → Cross-asset tailwinds from a weakening US dollar and declining crude costs are driving the rupee higher, with RBI intervention providing additional support.
    2026-07-30 15:26 UTCNEWSIndia's fiscal outlook improves on dividend windfall from state banks and RBI → Higher-than-expected payouts from public sector lenders and the central bank provide unexpected leeway for the government's budget planning.
    2026-07-30 11:47 UTCNEWSIndian rupee holds steady at 95.68 as oil volatility and RBI intervention offset → Currency traders face a tug-of-war between corporate dollar demand and central bank support, keeping the rupee range-bound near multi-month lows.
    2026-07-29 09:57 UTCNEWSSBI raises ₹4,691 crore via Tier I bonds at 7.75% coupon → India's largest lender taps provident and pension funds to shore up capital buffers, signaling robust demand for bank debt instruments.
    2026-07-29 03:22 UTCNEWSIndian rupee faces fresh pressure from oil volatility and Fed uncertainty → Currency traders brace for a volatile session as geopolitical risks in energy markets collide with lingering US rate concerns, threatening to reverse recent RBI-supported gains.
    2026-07-29 02:55 UTCNEWSIndian PSUs push RBI to extend concessional ECB swap window to March 2027 → State-owned firms seek a three-month extension of the dollar-rupee swap facility to support capital expenditure and foreign borrowing amid tighter liquidity conditions.
    2026-07-28 13:15 UTCNEWSCity Union Bank Q1 profit jumps 25% on net interest income growth → The private lender's bottom-line expansion signals resilience in India's banking sector, following strong results from public sector peers earlier in the quarter.
    2026-07-28 11:19 UTCNEWSDelhi High Court orders winding up of Paytm Payments Bank → The ruling finalizes the collapse of the digital lender central to One 97 Communications, with a former SBI executive appointed to oversee liquidation.
    2026-07-28 11:19 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.
    2026-07-27 15:34 UTCNEWSIndian bond yields fall as crude retreat and RBI support lift sentiment → A pause in US-Iran military strikes drove oil prices lower, easing import costs and allowing the Reserve Bank of India's assurances to stabilize the rupee and domestic debt markets.
    2026-07-27 13:22 UTCNEWSIndia 10-year yield plunges to two-month low as oil rally stalls → Falling crude prices ease inflation fears in India, driving the benchmark bond yield to 6.77% and extending the safe-haven bid across emerging-market debt.
    2026-07-27 10:32 UTCNEWSRupee surges to six-week high as RBI intervention amplifies oil slump → Central bank buying and falling crude costs triggered stop-losses for dollar longs, marking the currency's strongest session since late May.
    2026-07-27 03:09 UTCNEWSIndian rupee set to rally as crude falls on Mideast pause → Lower oil prices and central bank inflows support the currency after a recent slide to a two-month low.
    2026-07-27 02:20 UTCNEWSIndian markets poised for rebound as crude slides and global cues lift sentiment → Sensex and Nifty 50 aim to snap a five-session losing streak, supported by lower oil prices and positive offshore signals.
    Showing the 40 most recent of 77 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 2026-08-05 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data Premium coverage