Share Price and Basic Stock Data
Last Updated: December 25, 2025, 2:37 am
| PEG Ratio | 0.77 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Indian Overseas Bank (IOB) operates within the public sector banking segment, showcasing a market capitalization of ₹65,318 Cr and a current share price of ₹33.9. The bank’s revenue trajectory has demonstrated a consistent upward movement, with reported revenues increasing from ₹4,435 Cr in June 2022 to ₹5,424 Cr by June 2023. This upward trend persisted, culminating in a revenue of ₹6,176 Cr by December 2023. The bank’s revenue for the trailing twelve months (TTM) stood at ₹29,980 Cr, indicating a robust growth strategy. IOB’s quarterly revenue figures have shown a notable increase of over 20% year-on-year, reflecting effective management and a growing customer base. However, the bank’s revenue mix remains heavily reliant on interest income, which has seen a rise from ₹2,681 Cr in June 2022 to ₹3,102 Cr in June 2023. This reliance on interest income, while beneficial in a low-interest environment, may pose challenges if interest rates rise significantly.
Profitability and Efficiency Metrics
Profitability metrics for Indian Overseas Bank illustrate a positive trajectory, with net profit reported at ₹4,262 Cr. The bank’s return on equity (ROE) stood at 11.0%, reflecting a commendable effort in generating profits relative to shareholders’ equity. The bank’s net profit margin has improved to 12.06%, up from 10.84% in the previous year, indicating enhanced operational efficiency. The operating profit margin (OPM) was not available, but the reported figures suggest that IOB has effectively managed its costs with a cost-to-income ratio of 46.99%. Additionally, the bank’s net interest margin (NIM) is reported at 2.76, which is competitive compared to the sector average. However, the financing profit margin remains a concern, with a reported figure of -0.56%, indicating challenges in managing interest expenses against income. This underlines the need for strategic adjustments to improve overall profitability.
Balance Sheet Strength and Financial Ratios
The balance sheet of Indian Overseas Bank reveals a solid capital position, with total assets recorded at ₹395,015 Cr as of March 2025. Reserves have shown significant growth, increasing from ₹6,361 Cr in March 2023 to ₹13,284 Cr in March 2025. The bank’s equity capital has also expanded to ₹19,257 Cr, reflecting a robust capital base. While borrowings have increased substantially from ₹20,804 Cr in March 2023 to ₹42,228 Cr in March 2025, the bank’s overall debt levels remain manageable given the growth in assets and reserves. The price-to-book value ratio stands at 2.60, indicating that investors are willing to pay a premium for the bank’s equity. Furthermore, the return on assets (ROA) is reported at 0.86%, suggesting effective asset utilization. However, the financing profit margin and negative financing profit in previous years indicate potential risks in interest rate management and operational efficiency.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Indian Overseas Bank reflects a strong promoter presence, with promoters holding 94.61% of the shares as of March 2025. This high level of promoter ownership often signals confidence in the bank’s future prospects. Conversely, foreign institutional investors (FIIs) hold a modest 0.31%, indicating limited foreign interest in the bank. Domestic institutional investors (DIIs) have a slightly higher stake at 2.30%, while public shareholding stands at 2.78%, suggesting a cautious approach from retail investors. The total number of shareholders is reported at 9,88,551, reflecting a stable investor base. The gradual increase in public and institutional ownership over time may enhance market sentiment, but the low foreign investment could pose questions about the bank’s attractiveness on the international stage. This mix of ownership illustrates both robust internal confidence and external caution.
Outlook, Risks, and Final Insight
Looking ahead, Indian Overseas Bank faces a mixed outlook characterized by both opportunities and risks. The bank’s strong revenue growth and improving profitability metrics position it favorably within the public sector banking landscape. However, inherent risks remain, particularly in managing interest expenses and the potential for rising non-performing assets (NPAs), as evidenced by the gross NPA ratio declining from 9.12% in June 2022 to 1.97% in June 2025. The bank’s ability to maintain this downward trend in NPAs while enhancing efficiency will be critical to sustaining investor confidence. Additionally, the reliance on interest income may expose the bank to fluctuations in interest rates. Overall, while the bank’s fundamentals appear solid, strategic focus on cost management and asset quality will be vital for navigating the complexities of the financial environment. The potential for continued growth exists, provided the bank effectively mitigates these risks.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,15,084 Cr. | 151 | 160/101 | 6.22 | 165 | 3.15 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,101 Cr. | 28.8 | 46.3/26.8 | 14.3 | 25.9 | 1.35 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,94,401 Cr. | 969 | 999/680 | 11.4 | 617 | 1.64 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,38,984 Cr. | 121 | 128/85.5 | 8.16 | 124 | 2.40 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,030 Cr. | 26.8 | 52.0/25.2 | 16.4 | 19.2 | 0.26 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 146,869.08 Cr | 221.83 | 9.87 | 177.23 | 1.93% | 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: December 15, 2025, 5:12 am
| 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 | 29,980 |
| 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 | 18,262 |
| 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 | 11,409 |
| 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 | 308 |
| Financing Margin % | -5% | -8% | -26% | -33% | -68% | -56% | -66% | -26% | -18% | -8% | -8% | -2% | 1% |
| 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 | 5,725 |
| 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 | 6,033 |
| 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 | 4,262 |
| 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 | 2.23 |
| 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 10, 2025, 2:51 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
| 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
| 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
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: 15.3 (Industry average Stock P/E: 9.87)
- 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 | Contact not found |
| 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 25 December 2025) is 24.86 which is 26.67% lower the current market price of 33.90, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 65,318 Cr. market cap, FY2025-2026 high/low of 54.5/33.0, 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 65,318 Cr..
What is the current Stock Price of Indian Overseas Bank as on 25 December 2025?
The current stock price of Indian Overseas Bank as on 25 December 2025 is 33.9.
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 54.5/33.0.
What is the Stock P/E of Indian Overseas Bank?
The Stock P/E of Indian Overseas Bank is 15.3.
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.