profit from every ₹100 of sales.
₹0₹100
Central Bank of India
₹32.20-0.34% today
-11.0% in 1 year
1-year low ₹28.721-year high ₹40.43
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 ₹6.44 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 Central Bank of India sold, what it kept, and what it did with the cash.
Sales went from ₹158 billion in 2023 to ₹206 billion in 2026, with ₹45.2 billion of profit last year.
SalesProfit
Central Bank of India handed back 30% of the cash it generated last year.
₹7.1B
Free cash flow 2026₹23.5B
Bought back its own shares–
Paid as dividends₹7.1B
Cash vs. debt₹378.3B vs. ₹318.5B
Central Bank of India vs. similar companies
Central 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 |
|---|---|---|---|
| Central Bank of India | 6.4× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Central 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 |
|---|---|---|---|---|
| 158,378 | 176,943 | 196,261 | 205,722 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 16,788 | 26,677 | 39,342 | 45,238 | |
| 1.93 | 3.07 | 4.53 | 5.00 | |
| – | – | – | – | |
| – | – | – | – | |
| 10.6% | 15.1% | 20.0% | 22.0% |
Balance sheet
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total assets | 4,070,797 | 4,477,716 | 4,804,568 | 5,510,792 |
| Cash | 441,019 | 376,078 | 361,974 | 378,347 |
| Total debt | 65,699 | 90,029 | 129,286 | 318,542 |
| Total liabilities | 3,777,957 | 4,153,210 | 4,434,902 | 5,119,858 |
| 292,167 | 323,744 | 368,815 | 390,011 | |
| 8,681 | 8,681 | 8,685 | 9,048 | |
| – | – | – | – | |
| 5.7% | 8.2% | 10.7% | 11.6% |
Cash flow
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| -87,863 | -59,099 | -24,596 | 28,040 | |
| 2,123 | 5,873 | 4,552 | 4,579 | |
| -89,986 | -64,972 | -29,149 | 23,461 | |
| Dividends paid | – | – | – | 7,128 |
| – | – | – | – | |
| – | – | – | – |
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
- 6.4×
- –
- 0.17
- 0.7×
- 1.4×
- 15.5%
- 2.4%
Profitability
- 22.0%
- –
- –
- –
- –
Growth
- +9.1%
- +37.3%
- –
- +1.4%
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
Top 47%of 878
Top 37%of 929
2.4%of the share price, paid each year
On $1,000 invested$24a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
15.8% of its profit
Room to growStretchedMore than it earns: 30.4%
News
Dan Ives Says 'Irreplaceable' Nvidia CEO Jensen Huang Is the 'Central Nervous System' of US Tech, Says Company Has No Succession Plan Amid China Spy AllegationsYahoo Finance · Nov 13, 2026China’s central bank vows ample liquidity and yuan stability in Q3 monetary policy reportSeeking Alpha · Nov 12, 2026'The Fed put is very much back': Wall Street strategists weigh central bank's next moveYahoo Finance · Oct 31, 2026Central Pacific Financial Corp. Q3 2026 Earnings Call SummaryYahoo Finance · Oct 28, 2026Central Bancompany, Inc. GAAP EPS of $0.48 in-line, revenue of $285.7M misses by $3.23MSeeking Alpha · Oct 27, 2026Insider trades
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 Central Bank of India
Is Central 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 Central Bank of India AI analysis
What does Central Bank of India do?
Central Bank of India operates as a commercial bank in India. It is in Banks - Regional, based in Mumbai, India.
Does Central Bank of India pay a dividend?
Yes. At today's price the dividend is 2.4% a year, about 16% of its yearly profit. In 2026 it paid out ₹7.13 billion in dividends.
Is Central Bank of India stock halal?
No. Central Bank of India does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Central Bank of India stock done over the past year?
Down 11.0% over the past twelve months, to ₹32.20. It traded between ₹28.72 and ₹40.43 and is 20.4% below its high.
Who are Central 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 Central Bank of India's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.