Share Price and Basic Stock Data
Last Updated: December 5, 2025, 6:23 pm
| PEG Ratio | 0.98 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Indian Overseas Bank (IOB), a public sector financial institution, reported a share price of ₹37.8 and a market capitalization of ₹72,655 Cr. The bank’s revenue for the quarter ending June 2025 stood at ₹7,386 Cr, marking a significant increase from ₹5,424 Cr in June 2023. The revenue trajectory has shown a consistent upward trend, with quarterly revenues rising from ₹4,435 Cr in June 2022 to a projected ₹7,634 Cr by March 2025. This growth reflects a robust demand for banking products and services, indicating effective market positioning. The bank has also demonstrated an ability to increase interest income, which rose to ₹4,639 Cr in June 2025, up from ₹3,102 Cr in June 2023. This growth can be attributed to improved lending rates and expanding customer base, aligning with the overall increase in deposits, which reached ₹311,939 Cr in March 2025. Overall, IOB’s revenue growth is commendable, positioning it well within the competitive banking landscape.
Profitability and Efficiency Metrics
Profitability metrics for Indian Overseas Bank reveal a marked improvement. The net profit for the fiscal year ending March 2025 stood at ₹3,335 Cr, compared to ₹2,099 Cr in March 2023, reflecting a healthy growth trajectory. The earnings per share (EPS) rose to ₹1.73 in March 2025 from ₹1.11 in March 2023, indicating enhanced shareholder value. The bank’s return on equity (ROE) improved to 11.76% in March 2025, showcasing effective management of equity capital and a recovery from previous years of negative returns. Furthermore, the net profit margin increased to 12.06% in March 2025, indicative of prudent cost management and operational efficiency. However, the cost-to-income ratio stood at 46.99%, suggesting room for further operational efficiency improvements compared to sector averages. The financing margin, although negative in previous years, has begun to stabilize, reaching near zero in June 2025, which is a positive sign for future profitability.
Balance Sheet Strength and Financial Ratios
The balance sheet of Indian Overseas Bank demonstrates resilience, with total assets recorded at ₹395,015 Cr in March 2025, up from ₹313,734 Cr in March 2023. The bank’s equity capital increased to ₹19,257 Cr, supported by a reserve of ₹13,284 Cr, indicating a solid capital base. The gross non-performing asset (NPA) ratio has significantly improved, declining to 2.14% by March 2025 from 7.44% in March 2023, reflecting enhanced asset quality management. The net NPA ratio also reduced to 0.37%, underscoring effective risk management practices. Additionally, the bank’s interest expenses as a percentage of total assets stood at 4.36%, which is manageable compared to industry norms. The price-to-book value ratio of 2.60 indicates that the market is valuing the bank’s assets favorably, suggesting investor confidence. Overall, IOB’s balance sheet reflects improving financial health and risk management capabilities.
Shareholding Pattern and Investor Confidence
Indian Overseas Bank’s shareholding structure reveals a strong promoter backing, with promoters holding 94.61% of the shares as of March 2025. This high level of promoter ownership often signals stability and long-term commitment to the bank’s growth. In contrast, foreign institutional investors (FIIs) hold a modest 0.31%, while domestic institutional investors (DIIs) account for 2.30% of the shareholding. The increasing number of shareholders, which rose to 9,88,551 in September 2025 from 5,09,599 in March 2023, indicates growing investor interest. This trend is further supported by the bank’s consistent profitability and improving financial metrics. However, the low FII participation may suggest a cautious approach from foreign investors, potentially due to the bank’s historical performance issues. Overall, the shareholding pattern reflects a solid domestic foundation but highlights the need for strategies to attract more institutional investors.
Outlook, Risks, and Final Insight
The outlook for Indian Overseas Bank appears positive, driven by strong revenue growth, improving profitability metrics, and a solid balance sheet. However, risks remain, particularly regarding the bank’s ability to maintain asset quality in a challenging economic environment. Continued improvement in the gross and net NPA ratios will be crucial for sustaining investor confidence and profitability. Additionally, the bank must navigate potential regulatory changes and competitive pressures in the banking sector. While the strong promoter backing provides stability, enhancing foreign institutional interest is essential for long-term growth. The bank’s strategic focus on expanding its loan portfolio and improving operational efficiency will be critical in mitigating risks and capitalizing on growth opportunities. In conclusion, Indian Overseas Bank is positioned for growth, but it must address existing challenges to fully realize its potential in the competitive banking landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Indian Overseas Bank
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,17,085 Cr. | 153 | 160/101 | 6.33 | 165 | 3.10 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,929 Cr. | 29.5 | 51.9/26.8 | 14.7 | 25.9 | 1.32 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,96,802 Cr. | 972 | 999/680 | 11.4 | 617 | 1.64 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,39,857 Cr. | 122 | 128/85.5 | 8.21 | 124 | 2.38 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 20,109 Cr. | 28.3 | 56.3/25.2 | 17.4 | 19.2 | 0.25 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 148,138.15 Cr | 225.22 | 10.12 | 177.23 | 1.92% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4,435 | 4,718 | 5,056 | 5,192 | 5,424 | 5,821 | 6,176 | 6,629 | 6,535 | 6,851 | 7,112 | 7,634 | 7,386 |
| Interest | 2,681 | 2,764 | 2,784 | 2,916 | 3,102 | 3,475 | 3,778 | 3,866 | 4,094 | 4,313 | 4,323 | 4,511 | 4,639 |
| Expenses | 1,951 | 2,582 | 2,662 | 2,820 | 2,618 | 2,827 | 2,581 | 4,047 | 2,736 | 3,189 | 2,849 | 3,150 | 2,713 |
| Financing Profit | -197 | -629 | -390 | -544 | -296 | -481 | -183 | -1,284 | -295 | -652 | -60 | -27 | 33 |
| Financing Margin % | -4% | -13% | -8% | -10% | -5% | -8% | -3% | -19% | -5% | -10% | -1% | -0% | 0% |
| Other Income | 593 | 1,135 | 950 | 1,430 | 803 | 1,114 | 1,262 | 2,477 | 1,033 | 1,633 | 1,298 | 1,581 | 1,481 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 396 | 506 | 560 | 886 | 507 | 633 | 1,079 | 1,193 | 738 | 982 | 1,237 | 1,554 | 1,514 |
| Tax % | 1% | 1% | 1% | 27% | 1% | 1% | 33% | 32% | 14% | 21% | 29% | 32% | 27% |
| Net Profit | 392 | 501 | 555 | 650 | 500 | 625 | 723 | 808 | 633 | 777 | 874 | 1,051 | 1,111 |
| EPS in Rs | 0.21 | 0.27 | 0.29 | 0.34 | 0.26 | 0.33 | 0.38 | 0.43 | 0.33 | 0.41 | 0.46 | 0.55 | 0.58 |
| Gross NPA % | 9.12% | 8.53% | 8.19% | 7.44% | 7.13% | 4.74% | 3.90% | 3.10% | 2.89% | 2.72% | 2.55% | 2.14% | 1.97% |
| Net NPA % | 2.43% | 2.56% | 2.43% | 1.83% | 1.44% | 0.68% | 0.62% | 0.57% | 0.51% | 0.47% | 0.42% | 0.37% | 0.32% |
Last Updated: August 20, 2025, 9:10 am
Below is a detailed analysis of the quarterly data for Indian Overseas Bank based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 4,639.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4,511.00 Cr. (Mar 2025) to 4,639.00 Cr., marking an increase of 128.00 Cr..
- For Expenses, as of Jun 2025, the value is 2,713.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 3,150.00 Cr. (Mar 2025) to 2,713.00 Cr., marking a decrease of 437.00 Cr..
- For Other Income, as of Jun 2025, the value is 1,481.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,581.00 Cr. (Mar 2025) to 1,481.00 Cr., marking a decrease of 100.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 1,514.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,554.00 Cr. (Mar 2025) to 1,514.00 Cr., marking a decrease of 40.00 Cr..
- For Tax %, as of Jun 2025, the value is 27.00%. The value appears to be improving (decreasing) as expected. It has decreased from 32.00% (Mar 2025) to 27.00%, marking a decrease of 5.00%.
- For Net Profit, as of Jun 2025, the value is 1,111.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,051.00 Cr. (Mar 2025) to 1,111.00 Cr., marking an increase of 60.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.58. The value appears strong and on an upward trend. It has increased from 0.55 (Mar 2025) to 0.58, marking an increase of 0.03.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: July 22, 2025, 3:38 pm
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 22,684 | 23,938 | 23,517 | 19,719 | 17,915 | 17,631 | 17,406 | 16,966 | 16,730 | 19,400 | 24,050 | 28,131 | 28,982 |
| Interest | 17,107 | 18,554 | 18,135 | 14,529 | 12,448 | 12,352 | 12,103 | 11,067 | 10,419 | 11,145 | 14,220 | 17,241 | 17,786 |
| Expenses | 6,762 | 7,262 | 11,443 | 11,728 | 17,573 | 15,142 | 16,706 | 10,360 | 9,263 | 9,756 | 11,737 | 11,529 | 11,901 |
| Financing Profit | -1,185 | -1,878 | -6,060 | -6,539 | -12,106 | -9,863 | -11,404 | -4,461 | -2,952 | -1,501 | -1,908 | -639 | -705 |
| Financing Margin % | -5% | -8% | -26% | -33% | -68% | -56% | -66% | -26% | -18% | -8% | -8% | -2% | -2% |
| Other Income | 2,169 | 2,139 | 2,528 | 3,373 | 3,746 | 4,206 | 3,360 | 5,559 | 4,903 | 4,109 | 5,656 | 5,545 | 5,993 |
| Depreciation | 141 | 149 | 196 | 215 | 272 | 304 | 301 | 258 | 172 | 260 | 336 | 394 | 0 |
| Profit before tax | 843 | 111 | -3,728 | -3,381 | -8,632 | -5,961 | -8,344 | 840 | 1,779 | 2,348 | 3,413 | 4,512 | 5,288 |
| Tax % | 29% | 508% | -22% | 1% | -27% | -37% | 2% | 1% | 4% | 11% | 22% | 26% | |
| Net Profit | 602 | -454 | -2,897 | -3,417 | -6,299 | -3,738 | -8,527 | 831 | 1,710 | 2,099 | 2,656 | 3,335 | 3,813 |
| EPS in Rs | 4.87 | -3.68 | -16.03 | -13.92 | -12.88 | -4.09 | -5.19 | 0.51 | 0.90 | 1.11 | 1.40 | 1.73 | 2.00 |
| Dividend Payout % | 25% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -175.42% | -538.11% | -17.95% | -84.34% | 40.66% | -128.12% | 109.75% | 105.78% | 22.75% | 26.54% | 25.56% |
| Change in YoY Net Profit Growth (%) | 0.00% | -362.69% | 520.16% | -66.39% | 125.00% | -168.77% | 237.86% | -3.97% | -83.03% | 3.79% | -0.97% |
Indian Overseas Bank has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 2% |
| 5 Years: | 10% |
| 3 Years: | 19% |
| TTM: | 15% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 25% |
| 5 Years: | 19% |
| 3 Years: | 25% |
| TTM: | 37% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 1% |
| 5 Years: | 30% |
| 3 Years: | 27% |
| 1 Year: | -36% |
| Return on Equity | |
|---|---|
| 10 Years: | -7% |
| 5 Years: | 9% |
| 3 Years: | 10% |
| Last Year: | 11% |
Last Updated: September 5, 2025, 7:20 am
Balance Sheet
Last Updated: December 4, 2025, 1:25 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 1,235 | 1,235 | 1,807 | 2,455 | 4,891 | 9,142 | 16,437 | 16,437 | 18,902 | 18,902 | 18,902 | 19,257 | 19,257 |
| Reserves | 14,935 | 14,406 | 13,859 | 11,290 | 8,383 | 7,218 | -282 | 508 | 4,098 | 6,361 | 9,040 | 13,284 | 15,579 |
| Deposits | 234,578 | 253,451 | 224,514 | 211,343 | 216,832 | 222,534 | 222,952 | 240,288 | 262,159 | 260,883 | 285,905 | 311,939 | 339,066 |
| Borrowing | 17,903 | 10,830 | 27,183 | 16,098 | 9,228 | 6,146 | 5,420 | 3,672 | 3,071 | 20,804 | 30,387 | 42,228 | 46,433 |
| Other Liabilities | 6,247 | 5,715 | 7,073 | 5,983 | 8,634 | 4,968 | 16,200 | 13,106 | 11,147 | 6,784 | 7,799 | 8,308 | 12,152 |
| Total Liabilities | 274,899 | 285,637 | 274,437 | 247,167 | 247,968 | 250,008 | 260,727 | 274,010 | 299,377 | 313,734 | 352,034 | 395,015 | 432,487 |
| Fixed Assets | 2,567 | 2,462 | 3,218 | 3,002 | 2,838 | 3,321 | 3,124 | 2,918 | 3,365 | 3,710 | 3,725 | 4,581 | 4,989 |
| CWIP | 37 | 45 | 52 | 53 | 56 | 16 | 3 | 1 | 0 | 0 | 14 | 74 | -0 |
| Investments | 70,237 | 79,298 | 79,190 | 71,654 | 68,646 | 66,932 | 79,416 | 95,494 | 98,179 | 94,170 | 99,632 | 111,045 | 116,784 |
| Other Assets | 202,057 | 203,832 | 191,977 | 172,459 | 176,429 | 179,739 | 178,183 | 175,597 | 197,833 | 215,854 | 248,662 | 279,315 | 310,714 |
| Total Assets | 274,899 | 285,637 | 274,437 | 247,167 | 247,968 | 250,008 | 260,727 | 274,010 | 299,377 | 313,734 | 352,034 | 395,015 | 432,487 |
Below is a detailed analysis of the balance sheet data for Indian Overseas Bank based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 19,257.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 19,257.00 Cr..
- For Reserves, as of Sep 2025, the value is 15,579.00 Cr.. The value appears strong and on an upward trend. It has increased from 13,284.00 Cr. (Mar 2025) to 15,579.00 Cr., marking an increase of 2,295.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 12,152.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 8,308.00 Cr. (Mar 2025) to 12,152.00 Cr., marking an increase of 3,844.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 432,487.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 395,015.00 Cr. (Mar 2025) to 432,487.00 Cr., marking an increase of 37,472.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 4,989.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,581.00 Cr. (Mar 2025) to 4,989.00 Cr., marking an increase of 408.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 74.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 74.00 Cr..
- For Investments, as of Sep 2025, the value is 116,784.00 Cr.. The value appears strong and on an upward trend. It has increased from 111,045.00 Cr. (Mar 2025) to 116,784.00 Cr., marking an increase of 5,739.00 Cr..
- For Other Assets, as of Sep 2025, the value is 310,714.00 Cr.. The value appears strong and on an upward trend. It has increased from 279,315.00 Cr. (Mar 2025) to 310,714.00 Cr., marking an increase of 31,399.00 Cr..
- For Total Assets, as of Sep 2025, the value is 432,487.00 Cr.. The value appears strong and on an upward trend. It has increased from 395,015.00 Cr. (Mar 2025) to 432,487.00 Cr., marking an increase of 37,472.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -228.00 | -246.00 | -213.00 | -200.00 | -199.00 | -207.00 | -206.00 | -230.00 | -253.00 | -251.00 | -274.00 | -300.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 4% | -3% | -19% | -23% | -47% | -26% | -52% | 5% | 9% | 9% | 10% | 11% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Nippon India ETF Nifty PSU Bank BeES | 6,234,821 | 1.64 | 24.5 | 6,234,821 | 2025-04-22 17:25:31 | 0% |
| Kotak Nifty PSU Bank ETF | 4,381,515 | 1.64 | 17.22 | 4,381,515 | 2025-04-22 17:25:31 | 0% |
| Nippon India Nifty Smallcap 250 Index Fund | 456,987 | 0.25 | 1.8 | 456,987 | 2025-04-22 17:25:31 | 0% |
| Motilal Oswal Nifty Smallcap 250 Index Fund | 286,916 | 0.25 | 1.13 | 286,916 | 2025-04-22 17:25:31 | 0% |
| Axis Nifty Smallcap 50 Index Fund | 211,693 | 0.77 | 0.83 | 211,693 | 2025-04-22 17:25:31 | 0% |
| SBI Nifty Smallcap 250 Index Fund | 210,568 | 0.25 | 0.83 | 210,568 | 2025-04-22 17:25:31 | 0% |
| Aditya Birla Sun Life Nifty Smallcap 50 Index Fund | 199,733 | 0.78 | 0.79 | 199,733 | 2025-04-22 17:25:31 | 0% |
| DSP Nifty PSU Bank ETF | 52,244 | 1.64 | 0.21 | 52,244 | 2025-04-22 17:25:31 | 0% |
| Kotak Nifty Smallcap 50 Index | 41,408 | 0.78 | 0.16 | 41,408 | 2025-04-22 17:25:31 | 0% |
| Motilal Oswal Nifty 500 Index Fund | 31,357 | 0.02 | 0.12 | 31,357 | 2025-04-22 17:25:31 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 1.76 | 1.40 | 1.15 | 0.92 | 0.51 |
| Diluted EPS (Rs.) | 1.76 | 1.40 | 1.15 | 0.92 | 0.51 |
| Cash EPS (Rs.) | 1.97 | 1.59 | 1.25 | 0.98 | 0.61 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 14.99 | 13.14 | 13.16 | 12.15 | 10.27 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 16.74 | 14.58 | 13.16 | 12.15 | 10.27 |
| Operating Revenue / Share (Rs.) | 14.62 | 12.73 | 10.27 | 8.76 | 10.20 |
| Net Profit / Share (Rs.) | 1.76 | 1.41 | 1.11 | 0.89 | 0.45 |
| Net Profit After MI / Share (Rs.) | 1.76 | 1.41 | 1.11 | 0.89 | 0.45 |
| Net Profit Margin (%) | 12.06 | 11.07 | 10.84 | 10.21 | 4.46 |
| Net Profit After MI And SOA Nargin (%) | 12.06 | 11.07 | 10.84 | 10.21 | 4.46 |
| Operating Profit Margin (%) | 20.57 | 17.19 | 16.99 | 15.23 | 6.65 |
| Return On Assets (%) | 0.86 | 0.75 | 0.67 | 0.57 | 0.27 |
| Return On Equity / Networth (%) | 11.76 | 10.73 | 8.45 | 7.35 | 4.43 |
| Net Interest Margin (X) | 2.76 | 2.79 | 2.63 | 2.10 | 2.15 |
| Cost To Income (%) | 46.99 | 56.30 | 51.94 | 48.64 | 48.88 |
| Interest Income / Total Assets (%) | 7.13 | 6.83 | 6.19 | 5.58 | 6.19 |
| Non-Interest Income / Total Assets (%) | 1.42 | 1.61 | 1.31 | 1.63 | 2.00 |
| Operating Profit / Total Assets (%) | -0.56 | -0.85 | -0.64 | -1.06 | -1.72 |
| Operating Expenses / Total Assets (%) | 1.96 | 2.48 | 2.05 | 1.82 | 2.03 |
| Interest Expenses / Total Assets (%) | 4.36 | 4.04 | 3.55 | 3.47 | 4.03 |
| Enterprise Value (Rs.Cr.) | 411093.55 | 412979.78 | 307252.12 | 283355.20 | 258470.02 |
| EV Per Net Sales (X) | 14.61 | 17.16 | 15.83 | 16.93 | 15.23 |
| Price To Book Value (X) | 2.60 | 4.56 | 1.71 | 1.50 | 1.56 |
| Price To Sales (X) | 2.67 | 4.71 | 2.20 | 2.08 | 1.57 |
| Retention Ratios (%) | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.04 | 0.02 | 0.04 | 0.04 | 0.02 |
After reviewing the key financial ratios for Indian Overseas Bank, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 1.76. This value is below the healthy minimum of 5. It has increased from 1.40 (Mar 24) to 1.76, marking an increase of 0.36.
- For Diluted EPS (Rs.), as of Mar 25, the value is 1.76. This value is below the healthy minimum of 5. It has increased from 1.40 (Mar 24) to 1.76, marking an increase of 0.36.
- For Cash EPS (Rs.), as of Mar 25, the value is 1.97. This value is below the healthy minimum of 3. It has increased from 1.59 (Mar 24) to 1.97, marking an increase of 0.38.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 14.99. It has increased from 13.14 (Mar 24) to 14.99, marking an increase of 1.85.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 16.74. It has increased from 14.58 (Mar 24) to 16.74, marking an increase of 2.16.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 1.76. This value is below the healthy minimum of 2. It has increased from 1.41 (Mar 24) to 1.76, marking an increase of 0.35.
- For Net Profit Margin (%), as of Mar 25, the value is 12.06. This value exceeds the healthy maximum of 10. It has increased from 11.07 (Mar 24) to 12.06, marking an increase of 0.99.
- For Return On Assets (%), as of Mar 25, the value is 0.86. This value is below the healthy minimum of 5. It has increased from 0.75 (Mar 24) to 0.86, marking an increase of 0.11.
- For Retention Ratios (%), as of Mar 25, the value is 100.00. This value exceeds the healthy maximum of 70. There is no change compared to the previous period (Mar 24) which recorded 100.00.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Indian Overseas Bank:
- Net Profit Margin: 12.06%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.22%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 14.34%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 17 (Industry average Stock P/E: 10.12)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 12.06%
Fundamental Analysis of Indian Overseas Bank
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Public Sector | 763, Anna Salai, Chennai (Madras) Tamil Nadu 600002 | investor@iobnet.co.in http://www.iob.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Ajay Kumar Srivastava | Managing Director & CEO |
| Ms. S Srimathy | Executive Director |
| Mr. Sanjay Vinayak Mudaliar | Executive Director |
| Mr. Suresh Kumar Rungta | Part Time Non Official Director |
| Mr. B Chandra Reddy | Part Time Non Official Director |
| Mr. Deepak Sharma | Part Time Non Official Director |
| Mr. Sanjaya Rastogi | Shareholder Director |
| Ms. Annie George Mathew | Government Nominee Director |
| Mr. Vivek Aggarwal | Nominee Director |
Indian Overseas Bank Share Price Update | |
|---|---|
| Share Price | Value |
| Today | ₹67.11 |
| Previous Day | ₹64.65 |
FAQ
What is the intrinsic value of Indian Overseas Bank?
Indian Overseas Bank's intrinsic value (as of 06 December 2025) is 27.62 which is 26.93% lower the current market price of 37.80, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 72,655 Cr. market cap, FY2025-2026 high/low of 59.8/33.0, reserves of ₹15,579 Cr, and liabilities of 432,487 Cr.
What is the Market Cap of Indian Overseas Bank?
The Market Cap of Indian Overseas Bank is 72,655 Cr..
What is the current Stock Price of Indian Overseas Bank as on 06 December 2025?
The current stock price of Indian Overseas Bank as on 06 December 2025 is 37.8.
What is the High / Low of Indian Overseas Bank stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Indian Overseas Bank stocks is 59.8/33.0.
What is the Stock P/E of Indian Overseas Bank?
The Stock P/E of Indian Overseas Bank is 17.0.
What is the Book Value of Indian Overseas Bank?
The Book Value of Indian Overseas Bank is 18.1.
What is the Dividend Yield of Indian Overseas Bank?
The Dividend Yield of Indian Overseas Bank is 0.00 %.
What is the ROCE of Indian Overseas Bank?
The ROCE of Indian Overseas Bank is 5.95 %.
What is the ROE of Indian Overseas Bank?
The ROE of Indian Overseas Bank is 11.0 %.
What is the Face Value of Indian Overseas Bank?
The Face Value of Indian Overseas Bank is 10.0.