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Indian Overseas Bank IOB NIFTY_SMALLNSEFINANCIALPSU

Financial Services · Banks - Regional · India
https://www.iob.bank.in
Company Profile ↓
₹30.39
-16.00% 1Y
Mkt Cap₹58,520.78 Cr
P/E9.93
P/B1.51
52W High₹40.88
52W Low₹30.25
Book Value₹20.20
EPS (TTM)₹3.06

Company Overview

Indian Overseas Bank provides various banking products and services in India and internationally. It operates through Treasury Operations, Corporate/Wholesale Banking Operations, Retail Operations, 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. The company 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, Thailand, and Sri Lanka. Indian Overseas Bank was incorporated in 1936 and is headquartered in Chennai, India.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 16.5%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 37.1% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 14.2% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 9.9, below the sector median of 15.4.

Healthy Margins

Maintains a net profit margin of 36.6%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹18,418.43 Cr (+11.6% YoY); net profit ₹5,418.47 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +48.1%, earnings +45.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 14.2%, profit CAGR 37.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:14.17%
1 Year:48.10%

Compounded Profit Growth

5 Years:37.07%
1 Year:45.90%

Stock Price Performance

1 Year:-16.00%
6 Months:-13.96%
3 Months:-10.14%
1 Month:-5.21%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 1% of range
₹30.25 ₹40.88
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)39.16 · Neutral
Price Performance
1M-5.21%
3M-10.14%
6M-13.96%
1Y-16.00%
Valuation vs Sector

P/E of 9.93 is below the sector median of 15.36 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 36.6%.
  • Compounding revenue at 14.2% over 5 years.
  • Profit CAGR of 37.1% over 5 years.
  • Generates positive free cash flow.

CONS

  • Trading 25.7% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

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

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Valuation

Stock P/E
9.93
Industry PE
15.36
Forward P/E
33.77
PEG Ratio
-
Book Value
₹20.20
Price to Book
1.51
P/S
3.61
EV/EBITDA
-
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
14.17%
Profit 5Y
37.07%
Revenue (YoY)
48.10%
Earnings (YoY)
45.90%

Profitability & Returns

ROCE
-
ROE
16.53%
ROA
1.33%
Profit Margin
36.56%
Op Margin
37.08%
Gross Margin
0.00%
EPS (Latest Qtr)
₹0.89
EPS (TTM)
₹3.06

Balance Sheet & Liquidity

Debt/Equity
1.40
Quick Ratio
-
Current Ratio
-
Debt
₹47,239.90 Cr
Total Assets
₹4.80 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
92.44%
Chg in Prom Hold
-0.00%
FII / Inst Holding
4.32%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
₹58,520.78 Cr
Total Revenue (TTM)
₹16,291.73 Cr
EBITDA
-
Free Cash Flow
₹4,133.77 Cr
Operating Cash Flow
₹4,779.66 Cr
Shares Outstanding
₹1,925.66 Cr
Gross Margin
0.00%
Payout Ratio
0.00%

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 30.39 9.93 ₹58,520.78 Cr 0.00% - 16.53% 14.17% 37.07%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 5,195.00 Cr5,427.00 Cr5,825.00 Cr6,180.00 Cr6,634.00 Cr6,539.00 Cr6,854.00 Cr4,090.02 Cr4,705.46 Cr4,228.58 Cr7,851.00 Cr4,797.73 Cr4,760.62 Cr5,847.85 Cr
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses 2,822.00 Cr2,621.00 Cr2,829.00 Cr2,583.00 Cr4,049.00 Cr2,738.00 Cr3,191.00 Cr2,452.62 Cr2,951.29 Cr2,535.55 Cr2,698.00 Cr3,122.54 Cr2,876.24 Cr3,883.24 Cr
Operating Income --------------
EBITDA --------------
Interest Expense 2,917.00 Cr3,102.00 Cr3,477.00 Cr3,780.00 Cr3,868.00 Cr4,096.00 Cr4,315.00 Cr4,323.94 Cr4,510.42 Cr4,639.30 Cr4,790.00 Cr4,873.85 Cr5,019.25 Cr5,089.95 Cr
Pretax Income 891.00 Cr511.00 Cr636.00 Cr1,080.00 Cr1,196.00 Cr739.00 Cr982.00 Cr1,237.60 Cr1,553.62 Cr1,514.55 Cr1,729.00 Cr1,367.45 Cr1,659.09 Cr1,859.07 Cr
Tax Provision 231.66 Cr5.11 Cr6.36 Cr356.40 Cr382.72 Cr103.46 Cr206.22 Cr363.71 Cr503.40 Cr402.86 Cr501.41 Cr2.33 Cr153.64 Cr199.83 Cr
Net Income 656.00 Cr504.00 Cr627.00 Cr724.00 Cr810.00 Cr649.00 Cr780.00 Cr875.27 Cr1,091.94 Cr1,178.45 Cr1,259.00 Cr1,427.16 Cr1,556.15 Cr1,716.29 Cr
Diluted EPS 0.350.270.330.380.430.340.410.460.580.610.650.710.810.89

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2002Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 3,171.00 Cr16,976.00 Cr16,736.00 Cr12,375.55 Cr15,502.26 Cr16,504.04 Cr18,418.43 Cr
Cost of Revenue -------
Gross Profit -------
Operating Expenses 1,273.00 Cr10,367.00 Cr9,270.00 Cr6,429.81 Cr8,730.53 Cr7,534.53 Cr8,382.93 Cr
Operating Income -------
EBITDA -------
Interest Expense 2,203.00 Cr11,069.00 Cr10,419.00 Cr11,146.29 Cr14,226.50 Cr17,244.48 Cr19,322.04 Cr
Pretax Income 231.00 Cr767.00 Cr1,779.00 Cr2,103.99 Cr2,665.66 Cr4,573.27 Cr6,478.46 Cr
Tax Provision 07.67 Cr71.16 Cr249.34 Cr757.08 Cr1,177.01 Cr1,059.99 Cr
Net Income 231.00 Cr758.00 Cr1,709.00 Cr2,103.99 Cr2,665.66 Cr3,395.50 Cr5,418.47 Cr
Diluted EPS -0.460.901.151.401.762.70

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2002Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 35,477.00 Cr2.74 L Cr2.99 L Cr3.13 L Cr3.52 L Cr3.95 L Cr4.73 L Cr
Current Assets -------
Cash & Equivalents ---20,820.57 Cr18,814.90 Cr21,219.64 Cr25,222.57 Cr
Inventory -------
Receivables --5,998.54 Cr8,190.36 Cr12,492.41 Cr16,018.53 Cr15,860.53 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 1,099.00 Cr17,099.00 Cr22,597.00 Cr24,876.04 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 2002Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -4,949.00 Cr--13,654.68 Cr-1,118.95 Cr2,647.08 Cr4,779.66 Cr
Investing Cash Flow --46.00 Cr--559.64 Cr-359.29 Cr-578.92 Cr-638.92 Cr
Financing Cash Flow -1,813.00 Cr--1,916.11 Cr-527.69 Cr336.57 Cr-137.80 Cr
Capital Expenditure --46.00 Cr--582.36 Cr-365.26 Cr-603.27 Cr-645.89 Cr
Free Cash Flow -4,903.00 Cr--14,237.04 Cr-1,484.21 Cr2,043.81 Cr4,133.77 Cr
Net Change in Cash -6,716.00 Cr--16,130.43 Cr-2,005.93 Cr2,404.73 Cr4,002.94 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2002Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -------
Operating Margin % -------
Net Margin % 7.3%4.5%10.2%17.0%17.2%20.6%29.4%
ROE % 21.0%4.4%7.6%8.5%9.7%10.5%14.6%
ROCE % -------

Shareholding Pattern

Insiders
92.44%
Institutions
4.32%
Public Float
57.10%

Analyst View

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Latest News

Recent headlines for IOB

Google News Mon, 19 Oct 2026

Indian Overseas Bank Share Price Today,, IOB Share Price NSE, BSE - Business Today

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Google News hu, 05 Mar 2026

IOB, UCO, Punjab & Sind, Central Bank: Hold Off On Fresh Buys, Says SEBI Analyst - Stocktwits

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Google News ue, 20 Oct 2026

Indian Overseas Bank Gets SEBI Nod for 10 Crore Share ESPS - Whalesbook

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Google News ue, 20 Oct 2026

Indian Overseas Bank gets SEBI nod for 10 crore employee shares - scanx.trade

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Google News Mon, 28 Sep 2026

Stocks To Watch Today: Indian Overseas Bank, Paytm, SAIL, Cupid, Ceigall India and BCCL & More - NDTV Profit

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Google News ue, 07 Jul 2026

IOB shareholders approve Rs 5,000 crore equity raise, MD & CEO's tenure extension at AGM - The New Indian Express

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IOB — Frequently Asked Questions

What is the current share price of Indian Overseas Bank (IOB)?

As of 2026-10-23 04:58 IST, Indian Overseas Bank (IOB) trades at ₹30.39 on NSE. Its 52-week range is ₹30.25 to ₹40.88.

What is the market capitalisation of IOB?

Indian Overseas Bank (IOB) has a market capitalisation of ₹58,520.78 Cr on NSE.

What is the P/E ratio of IOB?

IOB trades at a trailing price-to-earnings (P/E) ratio of 9.93. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 1.51.

What is the return on equity (ROE) of IOB?

IOB has a return on equity (ROE) of 16.53%.

Is IOB a good stock to buy?

This page provides a data-driven analysis of Indian Overseas Bank (IOB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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