Fin Cascade

Prices as of 8 Oct 2026 close · Not investment advice

Central Bank of India

NSE: CENTRALBKPublic Sector Bank

Share price

₹29.99

-1.48% close of 8 Oct 2026

Market cap ₹27,144 CrP/E 5.9

Price-based ratios (P/B, dividend yield, EV/EBITDA) are as of 7 Oct 2026, the close above is 8 Oct 2026.

Business score

How strong the business is, in one number. The parts behind it are in Pro.

64

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹27,144 Cr

P/E ratio

5.9

P/B ratio

0.7

ROCE

5.6%

ROE

11.9%

Dividend yield

3.9%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 8 Oct 2026 close52-week high ₹40.4452-week low ₹29.62

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Sales grew 9.4% over the past year, and 6.1% a year over its longer record. Meanwhile what it keeps on lending improved from -3.5% to 2.3% over the last two years.

Whether it grew faster than its sector

It grew 6.1% a year against a sector median of 16.0% — 9.8 percentage points slower.

Room to re-rate, or risk of de-rating

At 5.9× earnings against a market that pays 23.9× across 2199 companies we can price. Its own industry sits at 6.3×, across 5 companies. It is against its own five-year median of 15.2×, the 0th percentile of its own range.

Whether growth justifies the valuation

Priced at 0.2 times its growth rate, on earnings growth of 39%.

Profit growthPrice per ₹1 profitPer 1% growth
Central Bank of India — this one39%/yr5.9×₹0.15
State Bank of India14%/yr10.3×₹0.74
Punjab National Bank76%/yr6.0×₹0.08
Union Bank of India32%/yr6.3×₹0.20
Bank of Baroda10%/yr5.5×₹0.55
Indian Bank28%/yr8.5×₹0.30

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Public Sector Bank), it ranks 10 of 12 on returns, 11 of 12 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

No durable advantage shows in the numbers: it earns 11.9% on capital, ahead of 17% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result

What the last results showed. Whether management kept its word is in Pro.

Results are expected soon.

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹27,144 Cr
Prev close
₹29.99
52w High
₹40.9
52w Low
₹29.3
Enterprise value
₹8,201 Cr
Beta
1.2
Price CAGR 1y
-19.0%
Price CAGR 3y
-15.0%
Price CAGR 5y
6.0%
Price CAGR 10y
-11.0%

Ratios

Return on assets
0.8%
PEG ratio
0.2
P/E ratio
5.9
P/B ratio
0.7
EV / EBITDA
40.9
Industry P/E
7.4
ROCE
5.6%
ROCE 5y average
—
ROE
11.9%
Debt / Equity
0.8
Interest coverage
—
Dividend yield
3.9%
ROE 3y average
11.0%
ROE last year
12.0%

Annual P&L

Annual revenue
₹36,168 Cr
Annual profit
₹4,531 Cr
Operating margin
2.0%
Net profit margin
12.5%
EBITDA margin
1.8%
Sales growth 3y
12.1%
Sales growth 5y
9.6%
Profit growth 3y
39.0%
Profit growth 5y
46.0%
EPS
₹5.0
Sales growth TTM
9.0%
Profit growth TTM
8.0%
Dividend payout
36.0%

Quarter P&L

Sales latest quarter
₹9,726 Cr
Profit latest quarter
₹1,325 Cr
YoY quarterly sales growth
12.8%
YoY quarterly profit growth
3.2%
OPM latest quarter
8.0%

Balance Sheet

Book Value
₹43.1
Face Value
₹10.0
Total debt
₹31,854 Cr
Total cash
₹18,953 Cr
Borrowings
₹31,854 Cr
Reserves / Equity
3.3

Cash Flow

Operating cash flow
₹2,804 Cr
Free cash flow
₹2,350 Cr
FCF yield
—
Net cash flow
₹1,637 Cr

Shareholding

Promoter holding
81.2%
FII holding
0.9%
DII holding
10.9%
Public holding
6.9%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
SBI954.0010.58,81,9951.8225,120.913.71,36,240.58.46.1
Union Bank (I)173.156.41,32,2072.895,641.527.427,427.11.26.3
Punjab Natl.Bank114.596.01,31,6042.625,834.8174.333,589.23.16.1
Bank of Baroda234.555.51,21,2583.621,839.364.635,114.56.85.6
Indian Bank828.308.81,12,0652.203,357.420.518,095.111.16.3
Canara Bank119.155.51,08,2333.525,182.13.532,957.24.56.5
Bank of Maha84.158.664,8852.612,023.334.58,034.713.96.0
Central Bank30.446.027,5253.941,324.68.09,725.912.85.6
Median116.877.586,5592.622,663.725.319,096.08.86.0

Competes with: Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Indian Bank, Indian Overseas Bank, Punjab National Bank, State Bank of India, Union Bank of India

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Consolidated · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue7,2597,3777,8428,3718,3678,2358,5428,6538,6238,7779,0709,6989,726
Expenses3,1183,5343,3773,5613,9203,5003,3733,9683,3813,3283,8533,5733,129
Financing Profit79-495-207-1-354-71185-55321-28-335448803
Financing Margin %1-7-3-0-4-12-60-0-458
Other Income9591,0621,3291,3631,1661,6491,2321,7231,8571,5071,9271,161988
Interest4,0624,3384,6724,8114,8014,8074,9845,2385,2225,4765,5525,6775,794
Depreciation0000000000000
Profit before tax1,0385671,1221,3638121,5781,4181,1711,8781,4791,5921,6091,791
Tax %59-73540-94232113318215426
Net Profit4986237388179459269661,1061,2841,2341,2657481,325
EPS in Rs0.570.720.850.941.091.061.111.221.421.361.400.821.46
Gross NPA %4.954.614.504.504.544.593.873.183.143.022.712.672.61
Net NPA %1.751.641.281.240.750.700.610.560.500.490.460.500.51
Gross NPA8,6388,8278,7269,1859,225
Income on Investments2,3402,5882,6822,6002,645
Interest on Advances5,9325,6686,0916,3596,756
Interest on RBI and Inter-bank Balances275454256269253
Net NPA1,3081,3641,4141,6661,715

Filed only on the standalone basis, so shown from it: Gross NPA, Income on Investments, Interest on Advances, Interest on RBI and Inter-bank Balances, Net NPA.

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Consolidated · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue26,47625,98824,77524,16322,74923,67622,83022,90325,65730,84933,79736,16837,270
Expenses8,62011,52912,74414,01514,58012,13512,41910,47712,77813,09914,10213,57813,884
Financing Profit-1,344-4,430-6,136-7,455-7,766-4,464-4,133-934-1,026-133-134664888
Financing Margin %-5-17-25-31-34-19-18-4-4-0-022
Other Income1,9002,0192,8712,6202,4163,6222,9942,9864,1644,8145,7846,4635,584
Interest19,20018,88918,16617,60315,93516,00514,54313,36113,90517,88219,83021,92622,498
Depreciation2302402582602782852932973865005585300
Profit before tax327-2,651-3,523-5,096-5,628-1,127-1,4311,7552,7524,1815,0926,5976,472
Tax %-89-47-31000-303839362331
Net Profit670-1,392-2,457-5,134-5,611-1,252-9951,0831,6882,6773,9434,5314,571
EPS in Rs4.02-8.26-13-20-14-2.20-1.701.241.933.074.3555.04
Dividend Payout %12000000000436

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
3%
5 years
10%
3 years
12%
TTM
9%

Compounded profit growth

10 years
18%
5 years
46%
3 years
39%
TTM
8%

Stock price CAGR

10 years
-11%
5 years
6%
3 years
-15%
1 year
-19%

Return on equity

10 years
-1%
5 years
9%
3 years
11%
Last year
12%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital1,6581,6901,9022,6184,0475,7105,8768,6818,6818,6819,0519,051
Reserves16,07716,81816,30915,59215,34915,82720,62118,86820,53623,69327,83029,950
Borrowing19,7779,5039,6236,0265,6406,0765,7607,6638,33420,01321,82031,854
Deposits2,62,2632,66,6862,97,3092,95,3543,00,3113,14,2013,30,3283,43,1653,59,7753,85,5414,13,2714,68,444
Other Liabilities12,99111,9249,5517,7596,53815,3377,3908,9159,7549,8448,48511,780
Total Liabilities3,12,7663,06,6213,34,6953,27,3493,31,8853,57,1513,69,9743,87,2924,07,0804,47,7724,80,4575,51,079
Fixed Assets2,8434,3694,3004,3534,3204,3465,1424,9644,7865,3455,2145,202
CWIP000000000000
Investments89,92189,08792,2771,02,7691,25,4531,42,5261,48,5181,40,7751,36,5691,44,0101,41,6521,57,607
Advances3,38,209
Other Assets2,20,0012,13,1652,38,1182,20,2272,02,1122,10,2792,16,3152,41,5532,65,7252,98,4163,33,5913,88,270
Total Assets3,12,7663,06,6213,34,6953,27,3493,31,8853,57,1513,69,9743,87,2924,07,0804,47,7724,80,4575,51,079

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity2,27428161,871-44,376-14,5101,726-2,00314,277-8,786-5,910-2,4602,804
Cash from Investing Activity-332-149-189-310-251-315-202-133-209-584-451-454
Cash from Financing Activity5105991,5435,1546,7963,3965,0550001,500-713
Net Cash Flow2,45273263,225-39,533-7,9654,8072,84914,143-8,995-6,494-1,4101,637
Free Cash Flow1,98913261,682-44,687-14,7611,411-2,20614,143-8,995-6,494-2,9102,350

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %4-8-13-28-30-6-44691112

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Consolidated · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters939393939393898989898981
FIIs0.160.070.170.160.330.441.270.970.880.850.750.93
DIIs2.842.792.802.812.812.825.875.064.864.824.8211
Public3.914.043.953.953.753.653.594.704.985.065.166.93
No. of Shareholders5,03,8975,29,5916,43,5506,85,3946,67,4356,71,0066,79,1057,18,9287,21,2727,19,9397,14,5477,44,225

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year -19.6% (₹37.32 → ₹29.99)Brick size ₹0.60 (fixed)Bricks 69
₹35.00₹40.00₹29.99Nov '25Jan '26Mar '26May '26Jul '26Sep '26
Price moved up one brickPrice moved down one brickLast close ₹29.99 on 8 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

capital adequacy (CRAR) %

18.28pct

2026-06-30

CASA ratio %

46.61pct

2026-06-30

cost-to-income %

55.40pct

2026-06-30

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

gross NPA %

2.60pct

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

loan growth %

28.58pct

2026-06-30

total loans / revolving facilities outstanding at period end, the base of loan_default_cr

0.00cr

2026-06-30

net NPA %

0.49pct

2026-06-30

net interest margin %

3.06pct

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

provision coverage %

95.86pct

2026-06-30

FY revenue / permanent employees + workers, same basis (calc)

1,05,96,723inr

2026-03-31

return on assets %

0.89pct

2026-03-31

News

News and filings about Central Bank of India. Open one to see why it matters.

No recent news for this company.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Depends on the price of

  • Bond Markets
  • Interest Rates

Sells products of

Buys from

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Public Sector Bank
Classification
Financial Services › Public Sector Bank
ISIN
INE483A01010

Business segments

  • Retail Banking Operations · 44%
  • Treasury Operations · 32%
  • Wholesale Banking Operations · 23%
  • Other Banking Operations · 0%

News impact

Big market events that reach Central Bank of India, and how the effect spreads.

Who it hits first

  • A court says the central government can ask another company to make costly patented medicines for public health schemes, if legal steps are met.
  • Makers of high-priced patented drugs, like AstraZeneca India and Sun Pharma's specialty arm, face cheaper government-backed copies.
  • Generic drug and ingredient makers, like Cipla, Divi's Labs and Laurus Labs, could win new government supply orders.
  • Hospitals and pharmacies see little instant change; the fight is over who makes the pills.

Who may gain

  • Cipla (generic drug maker) — could be picked to make low-cost versions for government programmes.
  • Divi's Laboratories (drug-ingredient maker) — more generic volumes mean more ingredient orders.
  • Laurus Labs (contract drug maker) — similar ingredient and manufacturing upside.
  • Patients in public-health schemes — cheaper access if the route is used.

Along the supply chain

Downstream

Downstream are government hospitals, clinics and distributors in public-health schemes, which get cheaper patented drugs, while patent sellers lose sales.

Upstream

Upstream are ingredient and raw-material suppliers like Divi's Labs and Laurus Labs, which gain if generic copies need more active ingredients.

Where demand moves

Business

Government health programmes may shift orders from costly patent sellers to approved generic makers; overall pill volumes stay similar, but who gets paid changes.

Capital

Investors turn cautious on patent-heavy sellers and look toward generic and ingredient makers that could win state orders.

How it spreads across sectors

Healthcare

Patent-holding sellers face price cuts while approved generic and ingredient makers gain order chances; hospitals see little direct change.

When it plays out

Immediate

In 1–7 days drug stocks wobble as investors reprice patent risk and generic hopes.

Medium term

In 1–6 months any first government authorisation to a generic maker sets prices and volumes.

Short term

In 1–4 weeks lawyers parse the judgment and government hints which drugs or schemes come first.

Who it hits first

  • Likely OFS candidates: IOB (govt 92.44%), UCO (90.95%), CENTRALBK (81.19%), PSB (93.85%) — immediate -2 to -5% on OFS day
  • PSU bank index pressure broadly

Who may gain

  • SBIN, BANKBARODA (already below 75% govt stake) — capital rotation tailwind
  • Private banks (HDFCBANK, ICICIBANK) — sector rotation from PSU OFS pressure

Along the supply chain

Downstream

Govt fiscal receipt of Rs 13,000 cr supports FY27 disinvestment target; modest positive for fiscal-deficit narrative

Upstream

OFS does not have a direct supply-chain link — purely capital-flow event affecting equity float of named PSU banks

Where demand moves

Business

OFS supply creates immediate selling pressure on named PSU banks; absorbed largely by domestic mutual funds and LIC

Capital

Capital rotates from OFS-affected PSU banks into stronger PSUs (SBIN, BANKBARODA) and private banks; modest pressure on overall bank-nifty for 1-2 days around OFS announcement

How it spreads across sectors

Financial Services

PSU bank cluster faces supply pressure; private banks/large PSU banks rotation beneficiaries

Government Disinvestment / Capital Markets

Boost to FY27 disinvestment receipts

When it plays out

Immediate

Sentiment negative for likely-OFS candidates (IOB, UCO, CENTRALBK, PSB); SBIN/BANKBARODA modest rotation tailwind

Medium term

Compliance achieved; sector overhang clears; rerating possible on absorbed-supply names

Short term

OFS launch dates over 4-8 weeks; each OFS window sees -3 to -5% intra-window then recovers 1-2% post-event

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

8 May 2026interim₹0.6
23 Jan 2026interim₹0.2
27 Oct 2025interim₹0.2
25 Jul 2025interim₹0.2
4 Jul 2025unspecified₹0.1875
23 Jun 2015unspecified₹0.5
20 Jun 2013unspecified₹2.5
21 Jun 2012unspecified₹2

Splits, bonuses & buybacks

  • daily-prices repair: 9 rows from NSE's archive (replace 1, delete 1, insert 7), 2016-10-30..2026-02-01 (docs/flat_day_repair.md)1× · 30 Oct 2016

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.