Share Price and Basic Stock Data
Last Updated: January 23, 2026, 4:52 pm
| PEG Ratio | 0.69 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Indian Overseas Bank (IOB), a public sector bank, reported a market capitalization of ₹66,224 Cr with a share price of ₹34.4. The bank’s revenue has shown a consistent upward trajectory, rising from ₹4,718 Cr in September 2022 to ₹5,821 Cr in September 2023, reflecting a growth of 23.4% year-on-year. This positive trend continued into the December 2023 quarter, with revenue standing at ₹6,176 Cr. The bank’s total revenue for the trailing twelve months (TTM) reached ₹29,980 Cr, indicating robust operational performance. IOB’s interest income has also increased, from ₹2,764 Cr in September 2022 to ₹3,475 Cr in September 2023, while other income fluctuated but recorded a notable ₹2,477 Cr in March 2024. Such revenue dynamics showcase the bank’s ability to capitalize on lending opportunities amidst a favorable economic environment.
Profitability and Efficiency Metrics
Profitability metrics for Indian Overseas Bank reveal a steady improvement in its financial health. The net profit stood at ₹4,262 Cr for the fiscal year ending March 2025, marking a significant recovery from previous losses in earlier years. The bank reported a net profit margin of 12.06% for March 2025, up from 11.07% the previous year. Return on equity (ROE) improved to 11.0%, reflecting the bank’s efficient utilization of shareholders’ equity. The financing margin, although negative in the past, showed signs of recovery with a reported 5% in September 2025. However, the return on capital employed (ROCE) was lower at 5.95%, indicating that while profitability is increasing, the efficiency of capital use still requires attention. Overall, these metrics suggest a positive trend in profitability, although continued focus on operational efficiency is essential.
Balance Sheet Strength and Financial Ratios
Indian Overseas Bank’s balance sheet demonstrates significant resilience, with total assets increasing to ₹432,487 Cr as of September 2025. The bank’s reserves also improved, standing at ₹15,579 Cr, showcasing a solid capital base. The bank’s borrowings rose to ₹46,433 Cr, indicating a strategic approach to leverage debt for growth. The price-to-earnings (P/E) ratio of 13.9 is competitive within the banking sector, while the price-to-book (P/B) ratio of 2.60 suggests that the stock is trading at a reasonable valuation relative to its book value. Furthermore, the cost-to-income ratio improved to 46.99%, from higher levels in previous years, indicating enhanced operational efficiency. Despite these strengths, the bank’s gross non-performing assets (NPA) ratio remains a concern at 1.83% as of September 2025, which, although lower than in the past, highlights the need for vigilance in asset quality management.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Indian Overseas Bank reflects a strong promoter backing, with promoters holding 94.61% of the equity as of March 2025. This high level of promoter ownership can instill confidence among investors regarding the bank’s long-term strategy and governance. Foreign institutional investors (FIIs) have gradually increased their stake, reaching 0.31%, while domestic institutional investors (DIIs) hold 2.30%. The number of shareholders has also seen growth, rising to 9,88,551, indicating increased retail interest. However, the concentration of shareholding among promoters may raise concerns about governance and minority shareholder rights. Overall, the investor confidence in Indian Overseas Bank appears stable, supported by consistent performance metrics and a robust governance structure.
Outlook, Risks, and Final Insight
Looking ahead, Indian Overseas Bank is poised for potential growth, driven by increasing revenue and improving profitability metrics. However, risks remain, particularly related to asset quality, as evidenced by the gross NPA ratio, which, while declining, still requires attention. The bank’s reliance on borrowings to fuel growth could pose risks if market conditions shift. Additionally, macroeconomic factors such as interest rate fluctuations and regulatory changes could impact performance. The bank’s ability to improve its ROCE and maintain a healthy NPA ratio will be critical in sustaining investor confidence. Should the bank successfully navigate these challenges while capitalizing on growth opportunities, it could enhance its market position and deliver substantial returns to shareholders.
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 | 1,33,358 Cr. | 175 | 183/104 | 7.04 | 172 | 2.72 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,302 Cr. | 29.0 | 44.8/26.8 | 13.9 | 26.5 | 1.35 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,68,162 Cr. | 1,048 | 1,056/680 | 12.3 | 617 | 1.52 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,38,099 Cr. | 120 | 135/85.5 | 7.76 | 130 | 2.41 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,109 Cr. | 27.0 | 50.5/25.2 | 15.8 | 19.6 | 0.26 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 156,190.46 Cr | 239.72 | 9.89 | 180.98 | 1.84% | 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: 13.8 (Industry average Stock P/E: 9.89)
- 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 23 January 2026) is ₹27.92 which is 18.12% lower the current market price of ₹34.10, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹65,685 Cr. market cap, FY2025-2026 high/low of ₹52.4/33.0, 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 65,685 Cr..
What is the current Stock Price of Indian Overseas Bank as on 23 January 2026?
The current stock price of Indian Overseas Bank as on 23 January 2026 is ₹34.1.
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 ₹52.4/33.0.
What is the Stock P/E of Indian Overseas Bank?
The Stock P/E of Indian Overseas Bank is 13.8.
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.