Bank of India Limited
Valuation (99/100) does the heavy lifting; momentum (26/100) is the drag.
Buy zoneBank of India Limited earns a Buy from StocksWizard, with a blended score of 70/100. At ₹140 it trades below our blended DCF and relative-multiples fair value of ₹280, about 100% upside to that estimate — we read it as undervalued by 100%. On 6.0x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 18% below its 52-week high of ₹171.59 and 24% above the low of ₹112.65. Financial health scores 74/100, with a Piotroski F-score of 3/9. The average analyst target of ₹159.5 implies about 14% upside across 4 analysts. It clears 6 of 10 investability checks, with durability 76, valuation 97 and momentum 26 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹224. Low-confidence estimate — limited data.
Analyst views
1-year price
EOD · 2026-09-1452-week range
-18.41% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy70Piotroski F-score 3/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 12.1%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Pass: Revenue growth > 10%: 10%
- Pass: Earnings growing: 19%
- Pass: Net margin ≥ 10%: 31.9%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 3/9
Quarterly results
Annual financials
Shareholding
- Promoter73.4%
- Institutions14.8%
- Public & other11.8%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (31.9%).
Opportunities
- Earnings growing (19% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~100% below our estimated fair value.
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
- Weak Piotroski score (3/9).
About Bank of India Limited
Bank of India Limited operates banking services across India and internationally through three divisions: Treasury, Wholesale Banking, and Retail Banking. The bank offers multiple deposit products including savings, salary, current, term, and rera accounts.
Bank of India Limited — frequently asked questions
Is Bank of India Limited a buy, hold or sell?
StocksWizard currently rates Bank of India Limited (BANKINDIA) a Buy, based on a blended score of 70/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Bank of India Limited's fair value?
Our blended DCF and relative-valuation model estimates Bank of India Limited's fair value at about ₹280, versus a current price of ₹140 — roughly 100% upside. On that basis the stock looks undervalued by 100%.
Is Bank of India Limited financially healthy?
Bank of India Limited scores 74/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has Bank of India Limited's share price performed?
Bank of India Limited is down 4% over three months, and last traded at ₹140. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.