Central Bank of IndiaBOM:532885 +0.77%63 ROE % is 7.60% as of Mar. 2026, which is 6233% above its 10-year median of 0.12. GuruFocus rates BOM:532885 with a GF Score™ of 63/100 and a GF Value™ of ₹45.73 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,525 Banks companies, Central Bank of India ranks better than 61.51% on this metric.
The historical rank and industry rank for Central Bank of India's ROE % or its related term are showing as below:
BOM:532885'
s ROE % Range Over the Past 10 Years
Min: -29.96 Med: 0.12 Max: 11.92
Current: 11.79
During the past 13 years, Central Bank of India's highest ROE % was 11.92%. The lowest was -29.96%. And the median was 0.12%.
BOM:532885's ROE % is ranked better than 61.51% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs BOM:532885: 11.79
Central Bank of India (BOM:532885) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Central Bank of India's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Central Bank of India ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Central Bank of India's ROE % distribution charts can be found below:
* The bar in red indicates where Central Bank of India's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Central Bank of India (BOM:532885) has a ROE % of 7.60% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Central Bank of India and its competitors. This is 6233% above median its historical median of 0.12. According to the industry distribution chart, Central Bank of India ranks #587 out of 1525 companies in the Banks industry, placing it in the top 38.5%.
Is Central Bank of India's ROE % too high?
Central Bank of India's current ROE % of 7.60% is 6233% above median its 10-year median of 0.12. The Banks industry median ROE % is 10.22. Central Bank of India's value of 7.60% is 25.6% below this industry median. Based on the distribution chart, Central Bank of India ranks #587 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Central Bank of India has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Central Bank of India's ROE % compare to competitors?
According to the Banks industry distribution chart, Central Bank of India ranks #587 out of 1525 companies for ROE %. This puts Central Bank of India in the upper half of its industry. The industry median ROE % is 10.22. Central Bank of India's value of 7.60% is 25.6% below this benchmark. While the company's 10-year median is 0.12 vs. the industry median of 10.22, Central Bank of India has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Central Bank of India's current ROE % of 7.60% is 25.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Central Bank of India and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Bank of India's current ROE % is 7.60%, which is 6233% above median its own 10-year median of 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Central Bank of India stock overvalued right now?
Based on GuruFocus' analysis, Central Bank of India (BOM:532885) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹45.73, compared to a current price of ₹32.80 — trading 28.3% below its estimated fair value. The current ROE % is 7.60%, which is 6233% above median its 10-year median of 0.12 and 25.6% below the Banks industry median of 10.22. Central Bank of India's overall GF Score™ is 63/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Central Bank of India (BOM:532885), the current ROE % is 7.60% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Central Bank of India (BOM:532885) Overvalued in 2026?
Based on GuruFocus' analysis, Central Bank of India stock appears to be undervalued.
The current stock price of ₹32.80 is trading 28.3% below its estimated GF Value™ of ₹45.73.
GuruFocus considers Central Bank of India to be Modestly Undervalued.
Key valuation signals for BOM:532885:
ROE %: 7.60% (6233% above median its 10-year median of 0.12)
GF Value™: ₹45.73 vs. price of ₹32.80 (28.3% below fair value)
Industry Position: 25.6% below the Banks median (#587 of 1525)
No single metric tells the full story. See the BOM:532885 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Central Bank of India is a commercial bank based in India. Its business comprises predominantly corporate and retail banking operations, which it provides through its network of branches and online platforms. Its retail banking operations comprise deposits, loans and digital banking services, agri-banking and debit and credit card facilities tailor-made for individual customers and its corporate banking products serve institutional and corporate customers. Its other business lines are treasury and other banking operations which involves dealing in Government and other securities money market operations and forex operations.
63GF Score
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ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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