Stock P/E, Current Price, and Intrinsic Value Over Time
Competitors of Indian Overseas Bank
Stock Name
Market Cap
Current Price
High / Low
Stock P/E
Book Value
Dividend Yield
ROCE
ROE
Face Value
Industry Average
0 Cr
0
0
0
0%
0%
0%
0
Quarterly Result
Month
Dec 2020
Mar 2021
Jun 2021
Sep 2021
Dec 2021
Mar 2022
Jun 2022
Sep 2022
Dec 2022
Mar 2023
Jun 2023
Sep 2023
Dec 2023
Revenue
4,244
4,057
4,063
4,254
4,198
4,215
4,435
4,718
5,056
5,192
5,424
5,821
6,176
Interest
2,722
2,654
2,567
2,622
2,626
2,605
2,681
2,764
2,784
2,916
3,102
3,475
3,778
Expenses
2,847
3,076
2,255
2,086
2,230
2,514
1,951
2,582
2,662
2,820
2,618
2,827
2,581
Financing Profit
-1,325
-1,673
-758
-453
-657
-904
-197
-629
-390
-544
-296
-481
-183
Financing Margin %
-31%
-41%
-19%
-11%
-16%
-21%
-4%
-13%
-8%
-10%
-5%
-8%
-3%
Other Income
1,543
2,016
1,092
836
1,120
1,504
593
1,135
950
1,430
803
1,114
1,262
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
Profit before tax
218
344
334
383
462
600
396
506
560
886
507
633
1,079
Tax %
2%
-2%
2%
2%
2%
8%
1%
1%
1%
27%
1%
1%
33%
Net Profit
213
350
327
376
454
552
392
501
555
650
500
625
723
EPS in Rs
0.13
0.21
0.17
0.20
0.24
0.29
0.21
0.27
0.29
0.34
0.26
0.33
0.38
Gross NPA %
12.19%
11.69%
11.48%
10.66%
10.40%
9.82%
9.12%
8.53%
8.19%
7.44%
7.13%
4.74%
3.90%
Net NPA %
3.13%
3.58%
3.15%
2.77%
2.63%
2.65%
2.43%
2.56%
2.43%
1.83%
1.44%
0.68%
0.62%
Last Updated: August 9, 2024, 6:49 pm
Quarterly Chart
Profit & Loss - Annual Report
Last Updated: August 9, 2024, 6:49 pm
Month
Mar 2012
Mar 2013
Mar 2014
Mar 2015
Mar 2016
Mar 2017
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
TTM
Revenue
17,889
20,677
22,684
23,938
23,517
19,719
17,915
17,631
17,406
16,966
16,730
19,400
22,613
Interest
12,873
15,425
17,107
18,554
18,135
14,529
12,448
12,352
12,103
11,067
10,419
11,145
13,271
Expenses
5,288
6,351
6,762
7,262
11,443
11,728
17,573
15,142
16,706
10,360
9,263
9,756
10,846
Financing Profit
-272
-1,099
-1,185
-1,878
-6,060
-6,539
-12,106
-9,863
-11,404
-4,461
-2,952
-1,501
-1,504
Financing Margin %
-2%
-5%
-5%
-8%
-26%
-33%
-68%
-56%
-66%
-26%
-18%
-8%
-7%
Other Income
1,681
1,973
2,169
2,139
2,528
3,373
3,746
4,206
3,360
5,559
4,903
4,109
4,609
Depreciation
111
127
141
149
196
215
272
304
301
258
172
260
0
Profit before tax
1,298
747
843
111
-3,728
-3,381
-8,632
-5,961
-8,344
840
1,779
2,348
3,105
Tax %
19%
24%
29%
508%
22%
-1%
27%
37%
-2%
1%
4%
11%
Net Profit
1,050
567
602
-454
-2,897
-3,417
-6,299
-3,738
-8,527
831
1,710
2,099
2,498
EPS in Rs
13.18
6.14
4.87
-3.68
-16.03
-13.92
-12.88
-4.09
-5.19
0.51
0.90
1.11
1.31
Dividend Payout %
34%
33%
25%
0%
0%
0%
0%
0%
0%
0%
0%
0%
Profit & Loss Yearly Chart
YoY Net Profit Growth
Year
2012-2013
2013-2014
2014-2015
2015-2016
2016-2017
2017-2018
2018-2019
2019-2020
2020-2021
2021-2022
2022-2023
YoY Net Profit Growth (%)
-46.00%
6.17%
-175.42%
-538.11%
-17.95%
-84.34%
40.66%
-128.12%
109.75%
105.78%
22.75%
Change in YoY Net Profit Growth (%)
0.00%
52.17%
-181.59%
-362.69%
520.16%
-66.39%
125.00%
-168.77%
237.86%
-3.97%
-83.03%
Growth
Compounded Sales Growth
10 Years:
1%
5 Years:
6%
3 Years:
12%
TTM:
23%
Compounded Profit Growth
10 Years:
16%
5 Years:
22%
3 Years:
47%
TTM:
26%
Stock Price CAGR
10 Years:
0%
5 Years:
44%
3 Years:
43%
1 Year:
150%
Return on Equity
10 Years:
-10%
5 Years:
-1%
3 Years:
9%
Last Year:
10%
Last Updated: August 3, 2024, 5:54 pm
Balance Sheet
Last Updated: August 9, 2024, 6:49 pm
Month
Mar 2013
Mar 2014
Mar 2015
Mar 2016
Mar 2017
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Equity Capital
924
1,235
1,235
1,807
2,455
4,891
9,142
16,437
16,437
18,902
18,902
18,902
Reserves
12,533
14,935
14,406
13,859
11,290
8,383
7,218
-282
508
4,098
6,361
9,040
Borrowings
225,458
252,482
264,281
251,698
227,440
226,060
228,680
228,372
243,960
265,230
281,687
316,293
Other Liabilities
5,740
6,247
5,715
7,073
5,983
8,634
4,968
16,200
13,106
11,147
6,784
7,799
Total Liabilities
244,656
274,899
285,637
274,437
247,167
247,968
250,008
260,727
274,010
299,377
313,734
352,034
Fixed Assets
1,837
2,567
2,462
3,218
3,002
2,838
3,321
3,124
2,918
3,365
3,710
3,725
CWIP
10
37
45
52
53
56
16
3
1
0
0
14
Investments
61,417
70,237
79,298
79,190
71,654
68,646
66,932
79,416
95,494
98,179
94,170
99,632
Other Assets
181,392
202,057
203,832
191,977
172,459
176,429
179,739
178,183
175,597
197,833
215,854
248,662
Total Assets
244,656
274,899
285,637
274,437
247,167
247,968
250,008
260,727
274,010
299,377
313,734
352,034
Reserves and Borrowings Chart
Cash Flow
Month
Mar 2013
Mar 2014
Mar 2015
Mar 2016
Mar 2017
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Cash from Operating ActivityÂ
-607
3,278
5,941
-3,091
-505
-1,999
-786
-14,023
4,949
5,566
-15,595
-1,165
Cash from Investing ActivityÂ
-401
-227
-164
-254
-135
-110
-647
-85
-46
-48
-559
-359
Cash from Financing ActivityÂ
6
699
113
692
1,617
5,430
5,780
7,277
1,813
479
-12
-528
Net Cash Flow
-1,003
3,750
5,890
-2,652
977
3,322
4,347
-6,831
6,716
5,997
-16,166
-2,052
Free Cash Flow
Month
Mar 2012
Mar 2013
Mar 2014
Mar 2015
Mar 2016
Mar 2017
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Free Cash Flow
5.00
-219.00
-246.00
-257.00
-240.00
-216.00
-209.00
-213.00
-212.00
-233.00
-256.00
-272.00
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.
Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.
Undervalued: 2.34% compared to the current price ₹58.00
Intrinsic Value: 88.82
Calculation basis:
Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.
This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.
Undervalued: 53.14% compared to the current price ₹58.00
Last 5 Year EPS CAGR: 49.63%
*Investments are subject to market risks
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: 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 (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: 0%)
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: 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: 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: 39.4 (Industry average Stock P/E: 0)
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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions. Stock Rating:
About the Company - Qualitative Analysis
Indian Overseas Bank is a Public Limited Listed company incorporated on 10/02/1937 and registered in the State of Tamilnadu, India. Company presently involved in the business activities of Banking Business.
INDUSTRY
ADDRESS
CONTACT
Finance - Banks - Public Sector
763, Anna Salai, Chennai (Madras) Tamil Nadu 600002
Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Indian Overseas Bank. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
Manage Consent
We use technologies like cookies to store and/or access device information. We do this to improve browsing experience and to show (non-) personalized ads. Consenting to these technologies will allow us to process data such as browsing behavior or unique IDs on this site. Not consenting or withdrawing consent, may adversely affect certain features and functions.
Functional
Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes.The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.