Financial & Valuation Intelligence™
Central Bank of India
NSE
CENTRALBK
Sector: Financial Services· Public Sector BankCurrent Price
₹28.7
Market Cap
₹27.95K Cr
AI Financial Summary
Central Bank of India exhibits a significant turnaround trajectory, characterized by strong bottom-line growth and a marked recovery in ROE since FY22. While profitability metrics are improving, the bank faces structural challenges including a high debt-to-equity ratio and limited interest coverage, though it currently trades at an attractive valuation relative to its intrinsic value.
Business Performance (CAGR)
10 Years
Revenue
4.3%
PAT
43.2%
EPS
41.7%
Book Value
-8.5%
Free Cash Flow
27.1%
Valuation Snapshot
P/E6.3
P/B0.7
EV/EBITDA22.5
P/S0.8
Div Yield5.83%
Financial Health
Debt to Equity12.83
Interest Coverage1.3x
Current Ratio1.61
Cash & Investments₹1.77 L Cr
Profitability Metrics
ROE
11.6%
ROCE
5.3%
ROA
0.8%
EBITDA Mgn
62.5%
Op Margin
78.9%
Net Margin
12.5%
Cash Flow Intelligence
Operating Cash Flow₹2.80K Cr
Free Cash Flow₹2.29K Cr
Cash Conversion62.0%
FCF Margin6.3%
Intrinsic Value
PremiumEstimated Intrinsic Value
████████
Current Price₹28.7
Margin of Safety██.██%
Estimated Intrinsic Value & DCF Fair Value are available with Premium plans.
AI Business Verdict
Central Bank of India presents a compelling turnaround case for research, driven by strong earnings recovery and deeply undervalued market pricing.
- Strong turnaround performance in net profit over the last four years.
- Highly attractive valuation metrics with significant margin of safety.
- Solid dividend yield for income-oriented objectives.
- Positive momentum in return-on-equity metrics.
Balance Sheet
AI-Powered Analysis
Balance Sheet Strength™
56/100
Adequate
Central Bank of India has an adequate but tight balance sheet — leverage and liquidity warrant monitoring.
AI Confidence
92%
Stability
61
Flexibility
44
Strength Factors
Liquidity84
Leverage40
Working Capital60
Asset Quality61
Shareholder Strength44
Financial Stability61
Financial Flexibility™
44/100
Weak
Capacity to fund growth, withstand downturns and return capital.
Total Assets
₹5.51 L Cr
▲ 14.3% YoY
Total Liabilities
₹5.12 L Cr
▲ 15.0% YoY
Shareholder Equity
₹39.00K Cr
▲ 5.7% YoY
Net Cash Position
₹-3.24 L Cr
Monitor
Debt / Equity
12.83x
Elevated
Enterprise Value
₹3.52 L Cr
Capital Structure
Assets
₹5.51 L Cr
Equity
₹39.00K Cr (7.1%)
Liabilities
₹5.12 L Cr (92.9%)
Debt Intelligence™
Debt vs Cash Trend
Debt / Equity12.83x
Interest Coverage1.3x
Debt / EBITDA110.59x
Net Debt₹3.24 L Cr
Debt Trend (5Y)10.3%
Debt MaturityWell Staggered
Liquidity Intelligence™
Current Ratio1.61
Quick Ratio1.61
Cash Ratio0.04
Working Capital₹7.17K Cr
Operating Cash CoverageWeak
Short-term LiquidityStrong
Working Capital Intelligence™
CCC Trend
Receivable DaysNot Available
Inventory DaysNot Available
Payable DaysNot Available
Cash Conversion CycleNot Available
Asset Quality (% of Total Assets)
Cash & Investments3.4%
Property, Plant & Equip.0.9%
ReceivablesNot Available
InventoryNot Available
GoodwillNot Available
Intangible AssetsNot Available
Other Assets99.1%
Shareholder Strength™
Strength Radar
Book Value CAGR (5Y)-8.5%
Net Worth CAGR (5Y)8.8%
Retained EarningsWeak
Equity Dilution0.00%
Buyback EfficiencyWeak
Dividend Sustain.Strong
Balance Sheet Evolution
Annual
Balance Sheet Risk Monitor
Debt RiskHigh
Liquidity RiskLow
Working Capital RiskElevated
Refinancing RiskHigh
Asset Quality RiskElevated
Dilution RiskLow
Contingent LiabilityLow
Overall Balance Sheet RiskElevated
Balance Sheet Stress Test™
Economic Slowdown54
Acquisition Capacity43
High Interest Rates40
Dividend Sustainability44
Revenue Decline64
Cash Flow Resilience51
Expansion Capacity44
Overall Resilience Score
49/100
Fragile — Review Risks
AI Balance Sheet Commentary
Overall Assessment
- Central Bank of India has an adequate but tight balance sheet — leverage and liquidity warrant monitoring.
What Stands Out
- Large cash & investment reserves
Areas To Monitor
- Elevated debt-to-equity ratio
- Thin interest coverage — cyclical earnings risk
- Large 'other assets' bucket — investigate composition
- Slow book value compounding
Financial data based on consolidated numbers and TTM · Source: Company Filings, Annual Report AI Analysis · Data as of: 31/03/2026