Share Price and Basic Stock Data
Last Updated: November 3, 2025, 8:57 pm
| PEG Ratio | 1.06 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Indian Overseas Bank (IOB) operates in the public sector banking space, currently priced at ₹40.6 with a market capitalization of ₹78,162 Cr. The bank’s revenue has shown a consistent upward trajectory, rising from ₹4,435 Cr in June 2022 to ₹5,821 Cr by September 2023. This upward trend continued with revenues reported at ₹6,176 Cr in December 2023 and ₹6,629 Cr in March 2024. The trailing twelve months (TTM) revenue stood at ₹28,982 Cr, evidencing a significant recovery from the lows experienced during the pandemic. The bank’s interest income also reflected growth, increasing from ₹2,681 Cr in June 2022 to ₹3,475 Cr by September 2023. This growth in revenue is crucial as it reflects the bank’s ability to leverage its assets effectively in a competitive banking landscape. Additionally, the bank’s other income rose to ₹1,262 Cr in December 2023, indicating diversification in revenue streams, which is a positive sign for long-term sustainability.
Profitability and Efficiency Metrics
Profitability metrics for IOB have shown marked improvement, with net profit rising from ₹392 Cr in June 2022 to ₹723 Cr in December 2023. The bank’s net profit for the financial year 2024 is reported at ₹2,656 Cr, while TTM net profit stood at ₹3,813 Cr, reflecting an upward trend from the previous year. The return on equity (ROE) has also improved, reaching 11.0% as of March 2025, up from 4% in 2014. This performance is indicative of enhanced operational efficiency and effective management strategies. However, the bank’s operating profit margin (OPM) is currently not available, which limits a comprehensive assessment of its efficiency. The net interest margin (NIM) was reported at 2.76 in March 2025, slightly lower compared to the previous year, suggesting that while profitability is improving, there is a need to optimize interest income further. The cost-to-income ratio stood at 46.99%, showcasing a relatively efficient operational framework compared to sector averages.
Balance Sheet Strength and Financial Ratios
IOB’s balance sheet has demonstrated significant strength, with total assets reported at ₹395,015 Cr as of March 2025. The bank’s reserves increased to ₹13,284 Cr, highlighting its ability to retain earnings and strengthen its capital base. The equity capital is reported at ₹19,257 Cr, while borrowings rose sharply to ₹42,228 Cr, up from ₹20,804 Cr in the previous year, indicating a strategic approach to leverage for growth. The bank’s gross non-performing assets (NPA) ratio has shown a consistent decline from 9.12% in June 2022 to 2.14% in March 2025, which is significantly below the sector average, pointing to improved asset quality. The net NPA also decreased to 0.32%, further emphasizing the bank’s enhanced risk management capabilities. However, the price-to-book value ratio stands at 2.60, suggesting that investors are willing to pay a premium for the bank’s perceived growth prospects.
Shareholding Pattern and Investor Confidence
Investor confidence in IOB appears robust, with promoters holding 94.61% of the stake as of March 2025, a slight decline from previous quarters but still indicating strong promoter support. Foreign institutional investors (FIIs) hold a mere 0.08%, while domestic institutional investors (DIIs) increased their stake to 2.37%. Public shareholding stands at 2.94%, showing a stable distribution of ownership. The number of shareholders rose to 10,08,128, reflecting growing retail interest in the bank. This increase in shareholders is a positive sign of confidence and potential for future capital inflow. The retention ratio is reported at 100%, indicating that the bank is reinvesting all its earnings, which could lead to future growth. However, the low FII participation raises questions about international investor confidence, which could be a risk factor if the bank seeks to expand its global footprint.
Outlook, Risks, and Final Insight
Looking ahead, IOB’s outlook appears cautiously optimistic given its improving financial metrics and robust balance sheet. Key strengths include a declining NPA ratio, an upward trend in profitability, and a solid capital base, which position the bank well for future growth. However, risks remain, such as the high reliance on domestic markets and the need for improved operational efficiency, as indicated by the lack of available OPM data. The increasing borrowings could also lead to higher interest expenses, which could impact profitability if not managed effectively. Furthermore, the low foreign investment signals potential market apprehension, which could hinder the bank’s growth aspirations. Should IOB successfully navigate these challenges and leverage its strengths, it could solidify its position in the public sector banking landscape, driving sustainable growth and enhancing shareholder value.
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 | 1,15,269 Cr. | 151 | 159/101 | 6.23 | 165 | 3.15 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 42,108 Cr. | 33.6 | 52.0/26.8 | 16.7 | 25.9 | 1.16 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,76,632 Cr. | 950 | 953/680 | 11.0 | 583 | 1.67 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,41,949 Cr. | 124 | 124/85.5 | 8.33 | 124 | 2.35 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 22,592 Cr. | 31.9 | 56.3/25.2 | 19.5 | 19.2 | 0.22 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 148,363.38 Cr | 229.68 | 10.65 | 174.62 | 1.89% | 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: June 16, 2025, 11:58 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Reserves | 14,935 | 14,406 | 13,859 | 11,290 | 8,383 | 7,218 | -282 | 508 | 4,098 | 6,361 | 9,040 | 13,284 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| CWIP | 37 | 45 | 52 | 53 | 56 | 16 | 3 | 1 | 0 | 0 | 14 | 74 |
| 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Indian Overseas Bank based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 19,257.00 Cr.. The value appears strong and on an upward trend. It has increased from 18,902.00 Cr. (Mar 2024) to 19,257.00 Cr., marking an increase of 355.00 Cr..
- For Reserves, as of Mar 2025, the value is 13,284.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,040.00 Cr. (Mar 2024) to 13,284.00 Cr., marking an increase of 4,244.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 8,308.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 7,799.00 Cr. (Mar 2024) to 8,308.00 Cr., marking an increase of 509.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 395,015.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 352,034.00 Cr. (Mar 2024) to 395,015.00 Cr., marking an increase of 42,981.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 4,581.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,725.00 Cr. (Mar 2024) to 4,581.00 Cr., marking an increase of 856.00 Cr..
- For CWIP, as of Mar 2025, the value is 74.00 Cr.. The value appears strong and on an upward trend. It has increased from 14.00 Cr. (Mar 2024) to 74.00 Cr., marking an increase of 60.00 Cr..
- For Investments, as of Mar 2025, the value is 111,045.00 Cr.. The value appears strong and on an upward trend. It has increased from 99,632.00 Cr. (Mar 2024) to 111,045.00 Cr., marking an increase of 11,413.00 Cr..
- For Other Assets, as of Mar 2025, the value is 279,315.00 Cr.. The value appears strong and on an upward trend. It has increased from 248,662.00 Cr. (Mar 2024) to 279,315.00 Cr., marking an increase of 30,653.00 Cr..
- For Total Assets, as of Mar 2025, the value is 395,015.00 Cr.. The value appears strong and on an upward trend. It has increased from 352,034.00 Cr. (Mar 2024) to 395,015.00 Cr., marking an increase of 42,981.00 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: 18.3 (Industry average Stock P/E: 10.65)
- 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%
About the Company - Qualitative Analysis
| 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. Srinivasan Sridhar | Non Executive Chairman |
| Mr. Ajay Kumar Srivastava | Managing Director & CEO |
| Mr. Joydeep Dutta Roy | Executive Director |
| Mr. T Dhanaraj | 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. Neelam Agrawal | Government Nominee Director |
| Ms. Sonali Sen Gupta | Nominee Director |
FAQ
What is the intrinsic value of Indian Overseas Bank?
Indian Overseas Bank's intrinsic value (as of 03 November 2025) is 29.73 which is 26.41% lower the current market price of 40.40, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 77,971 Cr. market cap, FY2025-2026 high/low of 59.9/33.0, reserves of ₹13,284 Cr, and liabilities of 395,015 Cr.
What is the Market Cap of Indian Overseas Bank?
The Market Cap of Indian Overseas Bank is 77,971 Cr..
What is the current Stock Price of Indian Overseas Bank as on 03 November 2025?
The current stock price of Indian Overseas Bank as on 03 November 2025 is 40.4.
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 59.9/33.0.
What is the Stock P/E of Indian Overseas Bank?
The Stock P/E of Indian Overseas Bank is 18.3.
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.