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Indian Overseas Bank IOB NIFTY_SMALLNSEFINANCIALPSU

Financial Services · Banks - Regional · India
https://www.iob.bank.in

Indian Overseas Bank provides various banking products and services in India and internationally. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company accepts various deposits, such as demand, savings, current, fixed, recurring, tax saver, and term deposits. Its loan products include home, vehicle, jewel, consumer durable, education, reverse mortgage, personal, agricultural, and corporate loans, as well as loan against the property and sovereign gold bond; and micro, small, and medium enterprise loans. It also provides debit and credit cards, export credit, NRI accounts, agricultural and rural banking products, mutual funds, lockers, merchant banking, and internet and mobile banking services; depository services; and life, health, personal accident, digital, and motor insurance products. It operates branches, ATMs, and business correspondents in India; and overseas branches in Singapore, Hong Kong, Colombo, and Bangkok. Indian Overseas Bank was incorporated in 1936 and is headquartered in Chennai, India.

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₹33.42
-11.52% 1Y

Market & Price

Market Cap
₹64,355.52 Cr
Current Price
₹33.42
High / Low (52W)
₹42.06 / ₹31.38
Beta
0.31

Valuation

Stock P/E
11.89
Industry PE
19.12
Forward P/E
37.13
PEG Ratio
-
Book Value
₹19.21
Price to Book
1.74
P/S
4.45
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
-
ROE
15.65%
ROA
1.25%
Profit Margin
37.49%
Op Margin
44.19%
EPS (Latest Qtr)
₹0.81
EPS (TTM)
₹2.81

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
₹51,602.57 Cr
Total Assets
₹4.73 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
92.44%
Chg in Prom Hold
-
FII / Inst Holding
4.29%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹90,735.52 Cr
Total Revenue (TTM)
₹14,452.01 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-52,151.16 Cr
Shares Outstanding
₹1,925.66 Cr
Gross Margin
0.00%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
13.74%
Profit 5Y
37.07%
Revenue (YoY)
1.90%
Earnings (YoY)
39.70%

PROS

  • Excellent profit margin of 37.5%.
  • Compounding revenue at 13.7% over 5 years.
  • Profit CAGR of 37.1% over 5 years.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 IOB Indian Overseas Bank NIFTY_SMALLNSEFINANCIALPSU 33.42 11.89 ₹64,355.52 Cr - - 15.65% 13.74% 37.07%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 4,090.02 Cr4,705.46 Cr4,228.58 Cr4,797.73 Cr4,760.62 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 2,452.62 Cr2,951.29 Cr2,535.55 Cr3,122.54 Cr2,876.24 Cr
Operating Income -----
EBITDA -----
Interest Expense 4,323.94 Cr4,510.42 Cr4,639.30 Cr4,873.85 Cr5,019.25 Cr
Pretax Income 1,237.60 Cr1,553.62 Cr1,514.55 Cr1,367.45 Cr1,659.09 Cr
Tax Provision 363.71 Cr503.40 Cr402.86 Cr2.33 Cr153.64 Cr
Net Income 875.27 Cr1,091.94 Cr1,178.45 Cr1,427.16 Cr1,556.15 Cr
Diluted EPS 0.460.580.610.710.81

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -12,375.55 Cr15,502.26 Cr16,445.14 Cr18,210.11 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -6,429.81 Cr8,730.53 Cr11,098.53 Cr11,109.08 Cr
Operating Income -----
EBITDA -----
Interest Expense -11,146.29 Cr14,226.50 Cr17,244.48 Cr19,322.04 Cr
Pretax Income -2,103.99 Cr2,665.66 Cr4,511.83 Cr6,268.03 Cr
Tax Provision -249.34 Cr757.08 Cr1,177.01 Cr1,060.00 Cr
Net Income -2,103.99 Cr2,665.66 Cr3,395.51 Cr5,418.46 Cr
Diluted EPS -1.151.401.792.81

Compounded Sales Growth

5 Years:13.74%
1 Year:1.90%

Compounded Profit Growth

5 Years:37.07%
1 Year:39.70%

Stock Price Performance

1 Year:-11.52%
6 Months:-13.95%
3 Months:-8.39%
1 Month:-4.51%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -3.13 L Cr3.52 L Cr3.95 L Cr4.73 L Cr
Current Assets -----
Cash & Equivalents -20,820.57 Cr18,814.90 Cr21,219.64 Cr25,222.58 Cr
Inventory -----
Receivables 5,998.54 Cr8,190.36 Cr12,492.41 Cr16,018.53 Cr-
Total Liabilities -2.89 L Cr3.24 L Cr3.62 L Cr4.36 L Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -20,803.77 Cr23,387.17 Cr40,281.66 Cr51,602.57 Cr
Total Equity -24,876.04 Cr27,561.45 Cr32,233.35 Cr36,990.67 Cr
Shares Outstanding -1,890.24 Cr1,890.24 Cr1,925.66 Cr1,925.66 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --13,654.68 Cr-1,118.95 Cr2,647.08 Cr4,779.66 Cr
Investing Cash Flow --559.64 Cr-359.29 Cr-578.92 Cr-638.92 Cr
Financing Cash Flow --1,916.11 Cr-527.69 Cr336.57 Cr-137.80 Cr
Capital Expenditure --582.36 Cr-365.26 Cr-603.27 Cr-645.89 Cr
Free Cash Flow --14,237.04 Cr-1,484.21 Cr2,043.81 Cr4,133.77 Cr
Net Change in Cash --16,130.43 Cr-2,005.93 Cr2,404.73 Cr4,002.94 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -17.0%17.2%20.6%29.8%
ROE % -8.5%9.7%10.5%14.6%
ROCE % -----

Shareholding Pattern

Insiders
92.44%
Institutions
4.29%
Public Float
56.68%

Analyst View

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