Share Price and Basic Stock Data
Last Updated: January 17, 2026, 7:09 am
| PEG Ratio | 0.73 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Indian Overseas Bank (IOB), a key player in the public sector banking industry, has demonstrated a consistent upward trajectory in its revenue streams. For the fiscal year ending March 2025, the bank reported a revenue of ₹28,131 Cr, marking a notable increase from ₹24,050 Cr in March 2024 and ₹19,400 Cr in March 2023. This upward trend continues in the quarterly results, with revenue for September 2023 recorded at ₹5,821 Cr, rising to ₹6,176 Cr in December 2023. The bank’s revenue growth is supported by a steady increase in interest income, which rose from ₹11,145 Cr in March 2023 to ₹17,241 Cr by March 2025. The bank’s ability to generate revenue is bolstered by its diverse portfolio, which includes retail banking, corporate lending, and treasury operations. The consistent performance over the years indicates a resilient business model, although the bank has faced challenges in managing its non-performing assets (NPAs), which dropped significantly from 8.53% in September 2022 to 4.74% in September 2023, reflecting improved asset quality.
Profitability and Efficiency Metrics
IOB’s profitability metrics reveal a gradual recovery, with net profit standing at ₹3,335 Cr for March 2025, compared to ₹2,656 Cr in March 2024 and ₹2,099 Cr in March 2023. The bank’s earnings per share (EPS) also improved, rising to ₹1.73 for March 2025 from ₹1.40 the previous year. The net profit margin for March 2025 was reported at 12.06%, an increase from 11.07% in March 2024, indicating enhanced operational efficiency. Return on equity (ROE) has shown a positive trend, reaching 11% as of September 2023, up from 9% in the previous year. However, the bank’s return on capital employed (ROCE) remains relatively low at 5.95%, suggesting that while profitability is improving, there is still potential for better utilization of capital. The cost-to-income ratio improved to 46.99% in March 2025 from 56.30% in March 2024, reflecting operational efficiencies. Despite these improvements, challenges remain in achieving higher profitability ratios typical of the sector.
Balance Sheet Strength and Financial Ratios
IOB’s balance sheet reflects a solid foundation, with total assets reported at ₹395,015 Cr by March 2025, up from ₹352,034 Cr in March 2024. The bank’s reserves increased significantly to ₹13,284 Cr in March 2025, compared to ₹9,040 Cr in March 2024, indicating a strengthening capital base. Borrowings also rose, reaching ₹42,228 Cr in March 2025, up from ₹30,387 Cr in March 2024, suggesting that the bank is leveraging debt to finance growth. The bank’s price-to-book value ratio stood at 2.60 in March 2025, indicating that the stock is valued higher than its book value, which could be attractive to investors. Furthermore, IOB’s net interest margin, at 2.76, remains competitive, although it has slightly decreased from the previous year. The gross and net NPA ratios have shown substantial improvement, with gross NPAs at 2.14% and net NPAs at 0.37% as of March 2025, suggesting effective risk management practices and enhanced asset quality.
Shareholding Pattern and Investor Confidence
The shareholding pattern of IOB provides insights into investor confidence and institutional interest. As of September 2025, promoters held 94.61% of the shares, showing a slight decline from 96.38% in previous quarters, which may reflect a gradual diversification of ownership. Foreign institutional investors (FIIs) have increased their stake to 0.31%, up from 0.10% in December 2022, indicating growing interest from international investors. Domestic institutional investors (DIIs) also showed a positive trend, holding 2.30% of the shares as of September 2025, compared to 1.36% in December 2022. This gradual increase in institutional holdings reflects a rising confidence in the bank’s turnaround strategy. The total number of shareholders has also risen, reaching 9,88,551 by September 2025, up from 5,11,642 in December 2022, indicating wider public interest and participation in the bank’s equity. Such trends are typically seen as positive indicators of market sentiment towards the bank.
Outlook, Risks, and Final Insight
Looking ahead, IOB’s prospects appear promising, bolstered by improving asset quality and profitability metrics. The bank’s focus on reducing NPAs and enhancing operational efficiencies could further strengthen its financial standing. However, risks remain, particularly regarding the rising borrowings and the potential impact of economic fluctuations on asset quality. Additionally, the bank’s reliance on interest income amidst a competitive banking environment poses challenges for sustained growth. If IOB continues to enhance its capital efficiency and manage its risks effectively, it could position itself favorably within the sector. Conversely, failure to address these challenges could hinder its recovery and growth trajectory. Overall, IOB’s performance indicates a bank on the path to recovery, but ongoing vigilance in risk management will be crucial to maintaining positive momentum.
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 | 1,34,466 Cr. | 176 | 183/104 | 7.10 | 172 | 2.70 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 37,192 Cr. | 29.7 | 45.2/26.8 | 14.2 | 26.5 | 1.31 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,62,107 Cr. | 1,042 | 1,048/680 | 12.2 | 617 | 1.53 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,52,121 Cr. | 132 | 133/85.5 | 8.93 | 124 | 2.19 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 20,570 Cr. | 29.0 | 50.6/25.2 | 17.0 | 19.6 | 0.24 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 158,675.62 Cr | 240.68 | 10.30 | 178.28 | 1.81% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4,718 | 5,056 | 5,192 | 5,424 | 5,821 | 6,176 | 6,629 | 6,535 | 6,851 | 7,112 | 7,634 | 7,386 | 7,849 |
| Interest | 2,764 | 2,784 | 2,916 | 3,102 | 3,475 | 3,778 | 3,866 | 4,094 | 4,313 | 4,323 | 4,511 | 4,639 | 4,790 |
| Expenses | 2,582 | 2,662 | 2,820 | 2,618 | 2,827 | 2,581 | 4,047 | 2,736 | 3,189 | 2,849 | 3,150 | 2,713 | 2,697 |
| Financing Profit | -629 | -390 | -544 | -296 | -481 | -183 | -1,284 | -295 | -652 | -60 | -27 | 33 | 362 |
| Financing Margin % | -13% | -8% | -10% | -5% | -8% | -3% | -19% | -5% | -10% | -1% | -0% | 0% | 5% |
| Other Income | 1,135 | 950 | 1,430 | 803 | 1,114 | 1,262 | 2,477 | 1,033 | 1,633 | 1,298 | 1,581 | 1,481 | 1,365 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 506 | 560 | 886 | 507 | 633 | 1,079 | 1,193 | 738 | 982 | 1,237 | 1,554 | 1,514 | 1,728 |
| Tax % | 1% | 1% | 27% | 1% | 1% | 33% | 32% | 14% | 21% | 29% | 32% | 27% | 29% |
| Net Profit | 501 | 555 | 650 | 500 | 625 | 723 | 808 | 633 | 777 | 874 | 1,051 | 1,111 | 1,226 |
| EPS in Rs | 0.27 | 0.29 | 0.34 | 0.26 | 0.33 | 0.38 | 0.43 | 0.33 | 0.41 | 0.46 | 0.55 | 0.58 | 0.64 |
| Gross NPA % | 8.53% | 8.19% | 7.44% | 7.13% | 4.74% | 3.90% | 3.10% | 2.89% | 2.72% | 2.55% | 2.14% | 1.97% | 1.83% |
| Net NPA % | 2.56% | 2.43% | 1.83% | 1.44% | 0.68% | 0.62% | 0.57% | 0.51% | 0.47% | 0.42% | 0.37% | 0.32% | 0.28% |
Last Updated: January 1, 2026, 8:16 am
Below is a detailed analysis of the quarterly data for Indian Overseas Bank based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 4,790.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4,639.00 Cr. (Jun 2025) to 4,790.00 Cr., marking an increase of 151.00 Cr..
- For Expenses, as of Sep 2025, the value is 2,697.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 2,713.00 Cr. (Jun 2025) to 2,697.00 Cr., marking a decrease of 16.00 Cr..
- For Other Income, as of Sep 2025, the value is 1,365.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,481.00 Cr. (Jun 2025) to 1,365.00 Cr., marking a decrease of 116.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 1,728.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,514.00 Cr. (Jun 2025) to 1,728.00 Cr., marking an increase of 214.00 Cr..
- For Tax %, as of Sep 2025, the value is 29.00%. The value appears to be increasing, which may not be favorable. It has increased from 27.00% (Jun 2025) to 29.00%, marking an increase of 2.00%.
- For Net Profit, as of Sep 2025, the value is 1,226.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,111.00 Cr. (Jun 2025) to 1,226.00 Cr., marking an increase of 115.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.64. The value appears strong and on an upward trend. It has increased from 0.58 (Jun 2025) to 0.64, marking an increase of 0.06.
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: 14.6 (Industry average Stock P/E: 10.3)
- 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 18 January 2026) is ₹29.54 which is 18.17% lower the current market price of ₹36.10, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹69,478 Cr. market cap, FY2025-2026 high/low of ₹53.7/33.0, 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 69,478 Cr..
What is the current Stock Price of Indian Overseas Bank as on 18 January 2026?
The current stock price of Indian Overseas Bank as on 18 January 2026 is ₹36.1.
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 ₹53.7/33.0.
What is the Stock P/E of Indian Overseas Bank?
The Stock P/E of Indian Overseas Bank is 14.6.
What is the Book Value of Indian Overseas Bank?
The Book Value of Indian Overseas Bank is 18.8.
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.