Indian Overseas Bank Latest Share Price (IOB)
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IOB is little changed at ₹33.18 on light volume — a quiet consolidation day.
it trades at a P/E of 10.88. Track live valuations, technical indicators, and peers comparison below. Check delivery conviction and recent filings to build your view.
How good is this company?
Overall performance across 5 key dimensions.
Indian Overseas Bank flags & news
Key strengths, potential risks, and recent updates.
Green Flags
- ●Earnings GrowthEPS (TTM) grew by a solid 39.7% YoY
- ●Quarterly OutperformanceLatest quarter Sales up 11.2% and Profit up 42.5%
- ●Strong Return on EquityHealthy ROE of 15.6%
- ●Healthy Operating MarginsOPM is structurally strong at 64.2%
- ●Reasonable ValuationTrading at a moderate P/E of 12.2x
- ●High Promoter HoldingPromoters hold 92.4% skin-in-the-game
- ●Clean Asset QualityVery low Gross NPA of 1.33%
- ●Strong Capital AdequacyRobust CET-1 Ratio of 16.88%
- ●Zero Pledge RiskNo recent active promoter pledging found
Red Flags
No red flags identified
Latest Indian Overseas Bank News
What changed recently?
Recent events, corporate actions, and announcements.
Indian Overseas Bank valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Indian Overseas Bank, framed against the sector median so the premium or discount is obvious at a glance.
Indian Overseas Bank trades at a P/E of 10.88× and P/B of 1.75×, against the Financial Services sector median P/E of 7.83×.
Market-priced ratios use the latest available quote; accounting metrics use the latest reported filing. Compare values with matched peers and the company's own history.
Valuation
Profitability
Growth
Financial Health
Indian Overseas Bank technical analysis: indicators, pivots and CPR.
Latest RSI, MACD and moving-average signals plus the latest pivot and Central Pivot Range levels for Indian Overseas Bank — derived from the latest tape, not yesterday's close.
Indian Overseas Bank last traded at ₹33.18 with an intraday range of ₹33.09–₹33.5 — latest indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Last: ₹33.18| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 34.24 | +1.06 | +3.20% |
| R3 | 33.83 | +0.65 | +1.97% |
| R2 | 33.67 | +0.49 | +1.47% |
| R1 | 33.42 | +0.24 | +0.73% |
| PIVOT | 33.26 | 0.08 | 0.23% |
| CURRENT | 33.18 | — | — |
| S1 | 33.01 | -0.17 | -0.50% |
| S2 | 32.85 | -0.33 | -1.00% |
| S3 | 32.60 | -0.58 | -1.74% |
| S4 | 32.19 | -0.99 | -2.97% |
IOB is trading Below CPR, indicating Bearishness
CPR is Average
Day's range: ₹33.19–₹33.5
Trading Inside opening range
Indian Overseas Bank financials: P&L, balance sheet, cash flow, ratios.
Reported annual and quarterly results for Indian Overseas Bank — consolidated or standalone — with margins, YoY growth and key ratios inline.
Indian Overseas Bank reports its full P&L, balance sheet, cash flow and ratios on this page — current reported EPS of ₹2.98.
| Metric | Mar 2025 | Mar 2026 |
|---|---|---|
| 28,144 | 31,896 ▲ 13.3% | |
| Other Income | 5,607 | 5,636 ▲ 0.5% |
| Total Income | 33,750 | 37,532 ▲ 11.2% |
| Net Interest Income (NII)Derived | 10,899 | 12,574 ▲ 15.4% |
| 25,001 | 27,506 ▲ 10.0% | |
| Profit Before Tax (PBT) | 4,573 | 6,268 ▲ 37.1% |
| Tax Expense | 1,177 | 1,060 ▼ 9.9% |
| Effective Tax %Derived | 25.74% | 16.91% |
| Total Profit for Period | 3,396 | 5,208 ▲ 53.4% |
| Net Profit (Owner's PAT)Derived | 3,396 | 5,208 ▲ 53.4% |
| PAT Growth YoY %Derived | 27.38% | 53.38% |
| Earnings Per Share (EPS ₹) | 1.76 | 2.81 ▲ 59.7% |
| Diluted Shares Outstanding (Cr) | 1,926 | 1,926 ▲ 0.0% |
| 5,348 | 4,410 ▼ 17.5% | |
| Share of Profit from Associates/JVs | — | 210 |
| Period | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Trend |
|---|---|---|---|---|---|---|
16,736 | 19,407 ▲ 16.0% | 24,066 ▲ 24.0% | 28,144 ▲ 16.9% | 31,896 ▲ 13.3% | ||
| Other Income | 4,905 | 4,116 ▼ 16.1% | 5,665 ▲ 37.6% | 5,607 ▼ 1.0% | 5,636 ▲ 0.5% | |
| Total Income | 21,641 | 23,523 ▲ 8.7% | 29,731 ▲ 26.4% | 33,750 ▲ 13.5% | 37,532 ▲ 11.2% | |
| Net Interest Income (NII)Derived | 6,316 | 8,261 ▲ 30.8% | 9,839 ▲ 19.1% | 10,899 ▲ 10.8% | 12,574 ▲ 15.4% | |
15,878 | 17,576 ▲ 10.7% | 22,957 ▲ 30.6% | 25,001 ▲ 8.9% | 27,506 ▲ 10.0% | ||
| Profit Before Tax (PBT) | 1,779 | 2,353 ▲ 32.3% | 3,423 ▲ 45.4% | 4,573 ▲ 33.6% | 6,268 ▲ 37.1% | |
| Tax Expense | 70 | 249 ▲ 257.8% | 757 ▲ 203.6% | 1,177 ▲ 55.5% | 1,060 ▼ 9.9% | |
| Effective Tax %Derived | 3.92% | 10.60% | 22.12% | 25.74% | 16.91% | |
| Total Profit for Period | 1,709 | 2,104 ▲ 23.1% | 2,666 ▲ 26.7% | 3,396 ▲ 27.4% | 5,208 ▲ 53.4% | |
| Net Profit (Owner's PAT)Derived | 1,709 | 2,104 ▲ 23.1% | 2,666 ▲ 26.7% | 3,396 ▲ 27.4% | 5,208 ▲ 53.4% | |
| PAT Growth YoY %Derived | — | 23.09% | 26.70% | 27.38% | 53.38% | |
| Earnings Per Share (EPS ₹) | 0.90 | 1.11 ▲ 23.3% | 1.41 ▲ 27.0% | 1.76 ▲ 24.8% | 2.81 ▲ 59.7% | |
| Diluted Shares Outstanding (Cr) | 1,890 | 1,890 ▲ 0.0% | 1,890 ▲ 0.0% | 1,926 ▲ 1.9% | 1,926 ▲ 0.0% | |
15,299 | — ▼ 100.0% | 6,794 | 5,348 ▼ 21.3% | 4,410 ▼ 17.5% | ||
| Share of Profit from Associates/JVs | — | — | — | — | 210 |
Indian Overseas Bank segment analysis : revenue and profit mix.
Disclosed business segments at Indian Overseas Bank with their share of revenue and profit, switchable between consolidated and standalone reporting.
Indian Overseas Bank discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
The Bull, Bear, and Flip case for Indian Overseas Bank.
Our AI distills the core fundamental drivers supporting Indian Overseas Bank, the risks that threaten it, and the quantitative conditions that could weaken the thesis.
Indian Overseas Bank's investment case rests on 10 positive markers and 10 flagged concerns drawn from the latest reported filings.
What you're getting.
Latest quarterly EPS grew 42.5% YoY, demonstrating strong earnings acceleration momentum
TTM EPS grew 39.7% YoY despite modest revenue growth, signaling operational leverage gains
Net profit margin 28.41% TTM significantly outpaces banking sector peer median benchmarks
High promoter holding 92.44% ensures strong governance and long-term strategic commitment
Positive operating cash flow ₹3,463.78 Cr supports liquidity and capital deployment capacity
Key Risks.
Beta 1.46 reflects 46% higher volatility relative to market, increasing downside risk exposure
Zero dividend yield deters income-seeking investors despite demonstrated profitability recovery
Low institutional ownership 4.29% signals weak foreign investor confidence in stock
ROCE 6.12% remains modest, below cost of capital for many peer banking institutions
Operating cash flow volatility. negative ₹11,475.60 Cr in FY2023 indicates earnings lumpiness
Flip Conditions.
Valuation risk. a P/E above 14 (~1.8× the sector multiple of 7.8) would leave less room for earnings disappointment.
Reassess if Net Interest Margin (NIM) contracts for two consecutive quarters.
Watch for asset quality deterioration if Gross NPA trends upward.
Return-quality risk. ROE below 11% would indicate weaker capital compounding.
Indian Overseas Bank peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Indian Overseas Bank is highlighted for quick read-across.
Quick Compare
Peer Comparison
| Company Name |
|---|
Indian Overseas Bank chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Indian Overseas Bank — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
Indian Overseas Bank delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Indian Overseas Bank over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Indian Overseas Bank stood at 56.7% of traded volume, against a 20-day average of 48.1%.
Indian Overseas Bank announcements: results, concalls, ratings, M&A.
Filings Indian Overseas Bank sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Indian Overseas Bank files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 179 documents below.
General Updates
Indian Overseas Bank has informed the Exchange about General Updates - Changes in MCLR w.e.f 15.08.2026
Credit Rating
Indian Overseas Bank has informed the Exchange about Credit Rating
Analysts/Institutional Investor Meet/Con. Call Updates
Indian Overseas Bank has informed the Exchange about Transcript of Analyst Meet held on 20.07.2026
Copy of Newspaper Publication
Indian Overseas Bank has informed the Exchange about Copy of Newspaper Publication of financial results for the quarter ended 30.06.2026
Certificate under SEBI (Depositories and Participants) Regulations, 2018
Indian Overseas Bank has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Investor decks & rating reports.
Credit Rating
Credit Rating- New
Credit Rating- New
Credit Rating- Revision
General Updates
Credit Rating- New
Indian Overseas Bank dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Indian Overseas Bank has declared, sequenced by announce and record date.
Indian Overseas Bank corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Indian Overseas Bank: business, sector, key facts.
What Indian Overseas Bank does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Indian Overseas Bank operates in the Public Sector Bank industry under the Financial Services sector, listed as NSE: IOB, BSE: 532388.
Indian Overseas Bank (IOB) is a major player in the Indian banking sector, offering a comprehensive range of financial products and services both domestically and internationally. Its business model is segmented into four key areas: Treasury operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. This diverse approach allows IOB to cater to a wide spectrum of customers, from individuals to large corporations.
IOB's deposit-taking services are extensive, encompassing various options to suit diverse financial needs. These include demand deposits (checking accounts), savings accounts, current accounts, fixed deposits, recurring deposits, tax saver deposits, and term deposits. This variety allows customers to choose deposit vehicles that best align with their savings goals and risk tolerance.
The bank's loan portfolio is equally broad, providing financing solutions for personal and business needs. Individual lending options include home loans, vehicle loans, jewel loans, consumer durable loans, education loans, reverse mortgages, and personal loans. For businesses, IOB offers agricultural loans, corporate loans, loans against property, and loans specifically designed for micro, small, and medium enterprises (MSMEs). Additionally, it facilitates investment in sovereign gold bonds.
Beyond traditional banking, IOB offers a variety of ancillary services. These encompass debit and credit cards for convenient transactions, export credit facilities for international trade, Non-Resident Indian (NRI) accounts tailored to the needs of overseas Indians, and a robust agricultural and rural banking segment. Furthermore, IOB provides access to mutual funds, safe deposit lockers, and merchant banking services. Digital banking is also a key aspect of IOB's operations, with internet and mobile banking solutions available for customer convenience. Depository services and a selection of insurance products, including life, health, personal accident, digital, and motor insurance, round out the bank's offerings.
IOB maintains a significant physical presence across India, with an extensive network of branches, ATMs, and business correspondents ensuring accessibility for customers. The bank's international footprint extends to overseas branches in key locations such as Singapore, Hong Kong, Colombo, and Bangkok, reflecting its commitment to serving a global clientele. Established in 1936 and headquartered in Chennai, IOB has a long history of serving the diverse financial needs of individuals and businesses in India and beyond.
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Questions investors ask about Indian Overseas Bank (IOB).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Indian Overseas Bank (IOB)?
The current share price of Indian Overseas Bank (IOB) is ₹33.18. Today, the stock has declined by ₹0.09 (0.27%), trading in a range of ₹33.09 to ₹33.50. The stock opened at ₹33.50 with a trading volume of 14,25,176 shares.
02Is Indian Overseas Bank stock a good investment for long-term?
Indian Overseas Bank can be considered for long-term investment based on several factors. The company has a market capitalization of ₹0, P/E ratio of 10.88, ROE of 15.6%, and ROCE of 6.12%. The dividend yield stands at 0%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Indian Overseas Bank stock?
The 52-week high price of Indian Overseas Bank (IOB) is ₹41.80, while the 52-week low is ₹31.20. Currently trading at ₹33.18, the stock is 6.35% above its 52-week low and 20.62% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Indian Overseas Bank stock at the current price?
Whether to buy Indian Overseas Bank stock at ₹33.18 depends on multiple factors. The stock is currently trading with a P/E ratio of 10.88 and P/B ratio of 1.75. Today's performance shows a loss of 0.27%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Indian Overseas Bank and when is the next dividend?
Indian Overseas Bank offers a dividend yield of 0%, which means for every ₹100 invested at the current price of ₹33.18, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Indian Overseas Bank?
Indian Overseas Bank's key financial metrics include: P/E Ratio: 10.88, P/B Ratio: 1.75, ROE: 15.6%, ROCE: 6.12%, Dividend Yield: 0%, EPS: ₹2.98, Book Value: ₹20.20, and Debt-to-Equity: 11.4. The company's market cap stands at ₹0. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Indian Overseas Bank stock performing today in the market?
Indian Overseas Bank stock opened at ₹33.50 and is currently trading at ₹33.18, showing a decline of ₹0.09 (0.27%). The intraday high is ₹33.50 and low is ₹33.09. The trading volume stands at 14,25,176 shares, indicating strong market participation today.
08What is the P/E ratio of Indian Overseas Bank and what does it indicate?
Indian Overseas Bank has a Price-to-Earnings (P/E) ratio of 10.88, which means investors are willing to pay 10.88 for every ₹1 of earnings. With an EPS of ₹2.98, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Indian Overseas Bank (IOB) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.