profit from every ₹100 of sales.
₹0₹100
Bank of India
₹151.25+0.63% today
+6.7% in 1 year
1-year low ₹126.401-year high ₹177.10
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2026.
0%20% a year
You pay ₹6.68 for every ₹1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Bank of India sold, what it kept, and what it did with the cash.
Sales went from ₹264 billion in 2023 to ₹326 billion in 2026, with ₹103 billion of profit last year.
SalesProfit
Bank of India handed back 48% of the cash it generated last year.
₹18.4B
Free cash flow 2026₹38.6B
Bought back its own shares–
Paid as dividends₹18.4B
Cash vs. debt₹995.9B vs. ₹1.07T
Bank of India vs. similar companies
Bank of India grows in the middle of these 5 and is the cheapest for its profits.
| Company | Profit from ₹100 of sales | Sales growth a year | Price per ₹1 of profit |
|---|---|---|---|
| Bank of India | 6.7× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Bank of India's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 263,604 | 294,491 | 315,319 | 325,982 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 38,380 | 65,645 | 95,483 | 103,063 | |
| 9.35 | 15.48 | 20.97 | 22.64 | |
| – | – | – | – | |
| – | – | – | – | |
| 14.6% | 22.3% | 30.3% | 31.6% |
Balance sheet
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total assets | 8,260,357 | 9,242,804 | 10,564,250 | 11,795,516 |
| Cash | 846,833 | 831,230 | 1,008,372 | 995,894 |
| Total debt | 623,232 | 664,603 | 938,695 | 1,066,259 |
| Total liabilities | 7,654,463 | 8,535,383 | 9,755,377 | 10,894,147 |
| 604,329 | 705,813 | 807,258 | 899,585 | |
| 4,104 | 4,241 | 4,553 | 4,553 | |
| – | – | – | – | |
| 6.4% | 9.3% | 11.8% | 11.5% |
Cash flow
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| -70,450 | -44,369 | 185,344 | 47,529 | |
| 6,233 | 8,505 | 7,230 | 8,901 | |
| -76,683 | -52,875 | 178,114 | 38,627 | |
| Dividends paid | 8,207 | 8,207 | 12,747 | 18,438 |
| – | – | – | – | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 6.7×
- –
- 0.19
- 0.7×
- 2.1×
- 15.0%
- 2.7%
Profitability
- 31.6%
- –
- –
- –
- –
Growth
- +7.3%
- +34.3%
- –
- +3.5%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 10%of 876
Bottom 47%of 879
Bottom 47%of 926
2.7%of the share price, paid each year
On $1,000 invested$27a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
17.9% of its profit
Room to growStretchedMore than it earns: 47.7%
News
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Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Bank of India
Is Bank of India a good stock to buy?
A strong, very profitable business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Bank of India AI analysis
What does Bank of India do?
Bank of India Limited provides various banking products and services in India and internationally. It operates through Treasury; Wholesale Banking; and Retail Banking segments. It is in Banks - Regional, based in Mumbai, India, with 51,010 employees.
Does Bank of India pay a dividend?
Yes. At today's price the dividend is 2.7% a year, about 18% of its yearly profit. In 2026 it paid out ₹18.4 billion in dividends.
Is Bank of India stock halal?
No. Bank of India does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Bank of India stock done over the past year?
Up 6.7% over the past twelve months, to ₹151.25. It traded between ₹126.40 and ₹177.10 and is 14.6% below its high.
Who are Bank of India's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Bank of India's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.