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Indian Overseas Bank: Intrinsic Value & Share Price Analysis

Fair Value

₹30.58Overvalued by 12.38%vs CMP ₹34.90

P/E (12.9) × ROE (14.9%) × BV (₹19.50) × DY (2.00%)

₹29.69Overvalued by 14.93%vs CMP ₹34.90
MoS: -17.5% (Negative)Confidence: 43/100 (Low)Models: 1 Under, 2 Fair, 4 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹37.4627%Fair (+7.3%)
Graham NumberEarnings₹32.9919%Fair (-5.5%)
Earnings PowerEarnings₹11.6013%Over (-66.8%)
DCFCash Flow₹60.6613%Under (+73.8%)
Net Asset ValueAssets₹18.129%Over (-48.1%)
EV/EBITDAEnterprise₹2.0511%Over (-94.1%)
Earnings YieldEarnings₹24.809%Over (-28.9%)
Consensus (7 models)₹29.69100%Overvalued
Key Drivers: Wide model spread (₹2–₹61) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 22.5%

*Investments are subject to market risks

Analyst Summary

Indian Overseas Bank operates in the Finance - Banks - Public Sector segment, current market price is ₹34.90, market cap is 67,109 Cr.. At a glance, stock P/E is 12.9, ROE is 14.9 %, ROCE is 6.06 %, book value is 19.5, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹29.69, around 14.9% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹28,131 Cr versus the prior period change of 17.0%, while latest net profit is about ₹3,335 Cr with a prior-period change of 25.6%. The 52-week range shown on this page is 42.8/31.2, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisIndian 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 Bus…

This summary is generated from the stock page data available for Indian Overseas Bank: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

59
Indian Overseas Bank scores 59/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health62/100 · Moderate
ROCE 6.1% WeakROE 14.9% GoodD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money60/100 · Moderate
FII holding up 0.13% (6mo) Slight increaseDII holding up 1.67% MF buyingPromoter decreased by 2.17% Caution
Earnings Quality50/100 · Moderate
Quarterly Momentum70/100 · Strong
Profit (4Q): +54% YoY Strong
Industry Rank50/100 · Moderate
P/E 12.9 vs industry 9.0 In-lineROCE 6.1% vs industry 6.2% Average

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: May 5, 2026, 12:23 am

Market Cap 67,109 Cr.
Current Price 34.9
Intrinsic Value₹27.38
High / Low 42.8/31.2
Stock P/E12.9
Book Value 19.5
Dividend Yield0.00 %
ROCE6.06 %
ROE14.9 %
Face Value 10.0
PEG Ratio0.57

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Indian Overseas Bank

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Indian Overseas Bank 67,109 Cr. 34.9 42.8/31.212.9 19.50.00 %6.06 %14.9 % 10.0
Bank of India 63,114 Cr. 139 178/1046.19 1902.92 %6.17 %12.4 % 10.0
Bank of Maharashtra 60,932 Cr. 79.3 82.2/47.18.68 43.21.89 %6.03 %22.7 % 10.0
IDBI Bank Ltd 80,493 Cr. 74.9 118/61.08.74 63.82.80 %6.50 %14.2 % 10.0
UCO Bank 33,343 Cr. 26.6 35.1/22.212.0 26.51.65 %5.55 %8.62 % 10.0
Industry Average150,953.23 Cr229.708.99184.082.03%6.18%14.76%7.46

All Competitor Stocks of Indian Overseas Bank

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue5,0565,1925,4245,8216,1766,6296,5356,8517,1127,6347,3867,8498,172
Interest 2,7842,9163,1023,4753,7783,8664,0944,3134,3234,5114,6394,7904,874
Expenses 2,6622,8202,6182,8272,5814,0472,7363,1892,8493,1502,7132,6973,430
Financing Profit-390-544-296-481-183-1,284-295-652-60-2733362-132
Financing Margin %-8%-10%-5%-8%-3%-19%-5%-10%-1%-0%0%5%-2%
Other Income 9501,4308031,1141,2622,4771,0331,6331,2981,5811,4811,3651,499
Depreciation 0000000000000
Profit before tax 5608865076331,0791,1937389821,2371,5541,5141,7281,367
Tax % 1%27%1%1%33%32%14%21%29%32%27%29%0%
Net Profit 5556505006257238086337778741,0511,1111,2261,365
EPS in Rs 0.290.340.260.330.380.430.330.410.460.550.580.640.71
Gross NPA %8.19%7.44%7.13%4.74%3.90%3.10%2.89%2.72%2.55%2.14%1.97%1.83%1.54%
Net NPA %2.43%1.83%1.44%0.68%0.62%0.57%0.51%0.47%0.42%0.37%0.32%0.28%0.24%

Last Updated: February 5, 2026, 1:38 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 24, 2026, 12:46 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue22,68423,93823,51719,71917,91517,63117,40616,96616,73019,40024,05028,13131,040
Interest 17,10718,55418,13514,52912,44812,35212,10311,06710,41911,14514,22017,24118,813
Expenses 6,7627,26211,44311,72817,57315,14216,70610,3609,2639,75611,73711,52911,990
Financing Profit-1,185-1,878-6,060-6,539-12,106-9,863-11,404-4,461-2,952-1,501-1,908-639237
Financing Margin %-5%-8%-26%-33%-68%-56%-66%-26%-18%-8%-8%-2%1%
Other Income 2,1692,1392,5283,3733,7464,2063,3605,5594,9034,1095,6565,5455,927
Depreciation 1411491962152723043012581722603363940
Profit before tax 843111-3,728-3,381-8,632-5,961-8,3448401,7792,3483,4134,5126,163
Tax % 29%508%-22%1%-27%-37%2%1%4%11%22%26%
Net Profit 602-454-2,897-3,417-6,299-3,738-8,5278311,7102,0992,6563,3354,754
EPS in Rs 4.87-3.68-16.03-13.92-12.88-4.09-5.190.510.901.111.401.732.48
Dividend Payout % 25%-0%-0%-0%-0%-0%-0%-0%-0%-0%-0%-0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 1,2351,2351,8072,4554,8919,14216,43716,43718,90218,90218,90219,25719,257
Reserves 14,93514,40613,85911,2908,3837,218-2825084,0986,3619,04013,28415,579
Deposits234,578253,451224,514211,343216,832222,534222,952240,288262,159260,883285,905311,939339,066
Borrowing17,90310,83027,18316,0989,2286,1465,4203,6723,07120,80430,38742,22846,433
Other Liabilities 6,2475,7157,0735,9838,6344,96816,20013,10611,1476,7847,7998,30812,152
Total Liabilities 274,899285,637274,437247,167247,968250,008260,727274,010299,377313,734352,034395,015432,487
Fixed Assets 2,5672,4623,2183,0022,8383,3213,1242,9183,3653,7103,7254,5814,989
CWIP 374552535616310014740
Investments 70,23779,29879,19071,65468,64666,93279,41695,49498,17994,17099,632111,045116,784
Other Assets 202,057203,832191,977172,459176,429179,739178,183175,597197,833215,854248,662279,315310,714
Total Assets 274,899285,637274,437247,167247,968250,008260,727274,010299,377313,734352,034395,015432,487

Reserves and Borrowings Chart

Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + 5,941-3,091-505-1,999-786-14,0234,9495,566-15,595-1,1652,9635,502
Cash from Investing Activity + -164-254-135-110-647-85-46-48-559-359-565-639
Cash from Financing Activity + 1136921,6175,4305,7807,2771,813479-12-528118-710
Net Cash Flow 5,890-2,6529773,3224,347-6,8316,7165,997-16,166-2,0522,5164,152
Free Cash Flow 5,783-3,345-640-2,108-1,433-14,1084,9035,518-16,155-1,5252,3984,863
CFO/OP 36%-23%-1%-182%5%-1,933%77%85%-158%-5%6%30%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 4%-3%-19%-23%-47%-26%-52%5%9%9%10%11%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 96.38%96.38%96.38%96.38%96.38%96.38%96.38%96.38%94.61%94.61%94.61%92.44%
FIIs 0.14%0.09%0.15%0.03%0.05%0.05%0.04%0.02%0.22%0.08%0.31%0.35%
DIIs 1.35%1.33%1.33%1.29%1.29%1.30%1.30%1.30%2.59%2.37%2.30%4.26%
Public 2.11%2.20%2.13%2.28%2.28%2.27%2.29%2.30%2.58%2.94%2.78%2.93%
No. of Shareholders 5,09,5995,10,3876,68,1777,27,34810,06,1859,96,5689,77,5929,77,9179,77,86310,08,1289,88,5519,81,829

Shareholding Pattern Chart

No. of Shareholders

Indian Overseas Bank: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Zerodha ELSS Tax Saver Nifty LargeMidcap 250 Index Fund 48,655 0.07 0.1747,7102026-02-20 01:12:441.98%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.) 1.761.401.150.920.51
Diluted EPS (Rs.) 1.761.401.150.920.51
Cash EPS (Rs.) 1.971.591.250.980.61
Book Value[Excl.RevalReserv]/Share (Rs.) 14.9913.1413.1612.1510.27
Book Value[Incl.RevalReserv]/Share (Rs.) 16.7414.5813.1612.1510.27
Operating Revenue / Share (Rs.)14.6212.7310.278.7610.20
Net Profit / Share (Rs.) 1.761.411.110.890.45
Net Profit After MI / Share (Rs.)1.761.411.110.890.45
Net Profit Margin (%) 12.0611.0710.8410.214.46
Net Profit After MI And SOA Nargin (%)12.0611.0710.8410.214.46
Operating Profit Margin (%)20.5717.1916.9915.236.65
Return On Assets (%) 0.860.750.670.570.27
Return On Equity / Networth (%)11.7610.738.457.354.43
Net Interest Margin (X)2.762.792.632.102.15
Cost To Income (%)46.9956.3051.9448.6448.88
Interest Income / Total Assets (%)7.136.836.195.586.19
Non-Interest Income / Total Assets (%)1.421.611.311.632.00
Operating Profit / Total Assets (%)-0.56-0.85-0.64-1.06-1.72
Operating Expenses / Total Assets (%)1.962.482.051.822.03
Interest Expenses / Total Assets (%)4.364.043.553.474.03
Enterprise Value (Rs.Cr.)411093.55412979.78307252.12283355.20258470.02
EV Per Net Sales (X)14.6117.1615.8316.9315.23
Price To Book Value (X)2.604.561.711.501.56
Price To Sales (X)2.674.712.202.081.57
Retention Ratios (%) 100.00100.00100.00100.00100.00
Earnings Yield (X)0.040.020.040.040.02

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

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.
INDUSTRYADDRESSCONTACT
Finance - Banks - Public Sector763, Anna Salai, Chennai (Madras) Tamil Nadu 600002Contact not found
Management
NamePosition Held
Mr. Srinivasan SridharNon Executive Chairman
Mr. Ajay Kumar SrivastavaManaging Director & CEO
Mr. Joydeep Dutta RoyExecutive Director
Mr. T DhanarajExecutive Director
Mr. Suresh Kumar RungtaPart Time Non Official Director
Mr. B Chandra ReddyPart Time Non Official Director
Mr. Deepak SharmaPart Time Non Official Director
Mr. Sanjaya RastogiShareholder Director
Ms. Neelam AgrawalGovernment Nominee Director
Ms. Sonali Sen GuptaNominee Director

FAQ

What is the intrinsic value of Indian Overseas Bank and is it undervalued?

As of 05 May 2026, Indian Overseas Bank's intrinsic value is ₹29.69, which is 14.93% lower than the current market price of ₹34.90, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (14.9 %), book value (₹19.5), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Indian Overseas Bank?

Indian Overseas Bank is trading at ₹34.90 as of 05 May 2026, with a FY2026-2027 high of ₹42.8 and low of ₹31.2. The stock is currently in the middle of its 52-week range. Market cap stands at ₹67,109 Cr..

How does Indian Overseas Bank's P/E ratio compare to its industry?

Indian Overseas Bank has a P/E ratio of 12.9, which is above the industry average of 8.99. The premium over industry average may reflect growth expectations or speculative interest.

Is Indian Overseas Bank financially healthy?

Key indicators for Indian Overseas Bank: ROCE of 6.06 % is on the lower side compared to the industry average of 6.18%. Dividend yield is 0.00 %.

Is Indian Overseas Bank profitable and how is the profit trend?

Indian Overseas Bank reported a net profit of ₹3,335 Cr in Mar 2025 on revenue of ₹28,131 Cr. Compared to ₹1,710 Cr in Mar 2022, the net profit shows an improving trend.

Does Indian Overseas Bank pay dividends?

Indian Overseas Bank has a dividend yield of 0.00 % at the current price of ₹34.90. The company is currently not paying meaningful dividends.

Last Updated: May 5, 2026, 12:23 am
Author: Getaka|Social: XLinkedIn
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
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