Bank of Baroda (BOM:532134) Moat Score: 0/10 (As of Jul. 29, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:532134 Bank of Baroda BOM:532134
69 GF Score
Price ₹239.25
GF Value ₹267.24
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Bank of Baroda Moat Score?

Bank of Baroda has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Bank of Baroda has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bank of Baroda might have No Moat - No discernible moat.

Bank of Baroda  (BOM:532134) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bank of Baroda Moat Score Related Terms

BOM:532134
69GF Score
Bank of Baroda BOM:532134
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Bank of Baroda (BOM:532134) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Baroda stock appears to be undervalued. The current stock price of ₹239.25 is trading 10.5% below its estimated GF Value™ of ₹267.24. GuruFocus considers Bank of Baroda to be Modestly Undervalued.

Key valuation signals for BOM:532134:

  • Moat Score: 0
  • GF Value™: ₹267.24 vs. price of ₹239.25 (10.5% below fair value)
  • GF Score™: 69/100 with 3 warning signs

No single metric tells the full story. See the BOM:532134 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank of Baroda Business Description

Other Exchanges BANKBARODA:India
Address RC Dutt Road, 7th Floor, Baroda Bhavan, Alkapuri, Vadodara, GJ, IND, 390007
Bank of Baroda is a state-owned banking and financial services company in India. It has four segments Treasury includes the entire investment portfolio and trading in foreign exchange contracts and derivative contracts; Corporate / Wholesale Banking comprises all the lending activities which are not included under Retail Banking; Retail Banking comprises of borrower accounts having exposure of upto 7.5 Crores. Digital Banking sub segment under retail segment represents balances of Digital Banking Units functioning in the bank as per RBI directive; and Other Banking Operations Segments. The bank generates majority of income from Retail Banking. It has presence in Domestic and International both of which majority of incomes is from Domestic.
69GF Score

Get the complete analysis for BOM:532134

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹239.25
Price
₹267.24
GF Value