Bank of Baroda's intrinsic value using Intellectual Capital analysis

Bank of Baroda

BSE : 532134

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NSE : BANKBARODA

Industry : Bank Pub sector

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ISIN : INE028A01039

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FreeFloat : 36.00%

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FnO : Yes

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LotSize : 5850

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Intellectual Capital (IC)	44,135.05
Net Worth (NW)	103,515.00
Intrinsic Worth (IW)	147,650.00
Market Cap (MC)	96,032.20
Economic Value Added	6,934.43

Discount Rate	%
Liquidity Premium	%

Knowledge Basis (IC/IW)	29.89%
IC Gross Margin (EBITDA/IC)	127.93%
IC Net Margin (NPT/IC)	20.75%
Knowledge Turnover (Sales/IC)	1.83
Market to Intrinsic Value (MC/IW)	0.65

As Of	Intrinsic Value	Market Price
31 Dec 2022	Rs. 285.51	Rs. 185.70
20 Mar 2023	----	Rs. 158.75
20 Mar 2023	----	-1.30 -0.82%

Fundamental - medium term		Technical - near term		Combined outlook
EVA > 0 : Yes	Sell	10 DMA : Rs. 165.05	Sell	Strong Sell
KB > 50% : No		50 DMA : Rs. 168.60
0 < M2IV < 1 : Yes		Vol-Price trend : Falling
Disclaimer: Stock outlook is based on data calculations only and does NOT constitute investment advice.

Question 3 - Is this stock undervalued?

Question 2 - Does this business have significant knowledge assets?

Question 1 - Is this business generating enough profits to cover its cost of capital?

* EVA is a registered trademark of Stern Stewart and Co.

Quarterly Results (Rs. Cr)

Quarter

Type*

Sales

Income

EBITDA

EBIT

PBT

PAT

NPT

Mar-20
C
19104.18
22589.84
10585.13
10585.13
-1733.62
481.10
459.42

Jun-20
C
19523.65
21684.71
11010.78
11010.78
-1044.56
-650.27
-678.71

Sep-20
C
18837.25
21853.79
13530.50
13530.50
2733.58
1794.30
1771.21

Dec-20
C
18914.71
22070.52
12197.97
12197.97
1791.42
1159.17
1195.96

Mar-21
C
17408.30
23762.09
12835.40
12835.40
2893.03
-849.30
-740.79

Jun-21
C
18025.78
21355.53
11165.07
11165.07
1610.82
1169.20
1186.54

Sep-21
C
17540.89
21998.76
12600.53
12600.53
3095.14
2195.05
2167.85

Dec-21
C
18721.62
22072.99
13092.41
13092.41
3292.29
2447.84
2463.75

Mar-22
C
19097.17
22470.46
11965.76
11965.76
2010.05
1888.14
2031.55

Jun-22
C
19984.39
21576.76
13367.14
13367.14
2871.49
2139.39
1943.90

Sep-22
C
22343.71
26320.49
15912.39
15912.39
4417.82
3272.24
3400.47

Dec-22
C
24733.19
30352.67
19340.83
19340.83
6179.34
4166.11
4305.66

* C - Consolidated, S - Standalone