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Indian Overseas Bank
Large Cap•20,966 Employees•IPO 2000
Current Price
₹33.86
0.3 (0.89%)Updated
Valuation vs Sector
P/E Ratio
13.16vs 8.94
P/B Ratio
1.90vs 1.47
Div Yield
0.00%vs 2.13%
Today's Range
32.91
₹33.86
34.11
52 Week Range
52W Low₹32.60
52W High₹45.15
₹33.86
Downside3.87%
Upside33.34%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹69,092.65 Cr
Market Cap
Total market value of companyP/E Ratio
13.94
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
1.93
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹2.54
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
14.66%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
5.97%
ROCE
Return on Capital Employed. >15% is goodNet Margin
17.30%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
-%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
1.61%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
14.60%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
61.50%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
1.33
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹16.74
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
94.60%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
4 points- •Indian Overseas Bank boasts a robust promoter holding of 94.6%, indicating strong insider confidence and stability. This high ownership stake suggests a long-term commitment to the bank's sustained success.
- •The company exhibits significant quarterly profit growth, with a remarkable 61.50% increase. This positive trend highlights improving operational efficiency and financial performance, potentially enhancing shareholder value.
Weaknesses
5 points- •IOB carries a substantial debt-to-equity ratio of 11.30, indicating a very high level of financial leverage. This exposes the bank to significant financial risk, especially during economic downturns.
- •The bank's Return on Capital Employed (ROCE) stands at a modest 5.97%, which is lower than many peers. This suggests that capital utilization could be improved for better returns on investment.
Opportunities
3 points- •As a Public Sector Bank, IOB can leverage government initiatives and financial inclusion programs to expand its customer base and reach into underserved markets, driving future growth.
- •The growing demand for digital banking services and financial technology adoption presents an opportunity for IOB to innovate and offer competitive solutions, attracting a younger demographic.
Threats
4 points- •Intense competition from larger, more agile private and public sector banks, which often have better technology and wider networks, could erode IOB's market share and profitability.
- •Adverse changes in regulatory policies or stricter compliance requirements for public sector banks could increase operational costs and impact profitability, posing a significant challenge.
Segment-wise Financial Analysis
Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹36.74 | +₹2.88 | +8.52% |
| R3 | ₹35.54 | +₹1.68 | +4.97% |
| R2 | ₹34.83 | +₹0.97 | +2.85% |
| R1 | ₹34.34 | +₹0.48 | +1.43% |
| PIVOT | ₹33.63 | -0.23 | -0.69% |
| CURRENT | ₹33.86 | - | - |
| S1 | ₹30.74 | -₹3.12 | -9.20% |
| S2 | ₹31.94 | -₹1.92 | -5.66% |
| S3 | ₹32.43 | -₹1.43 | -4.23% |
| S4 | ₹33.14 | -₹0.72 | -2.12% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-14.6% vs avg
6.51M
(12 Mar 2026)Delivery %-6.7% vs avg
30.7%
(12 Mar 2026)Avg Volume (20D)20-day average
7.62M
(12 Feb - 12 Mar)Avg Delivery %Trend ↓
37.4%
(12 Feb - 12 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
HDFC Bank Ltd
14.24L ₹ Cr
Best Profit Growth
IDBI Bank Ltd
73.60 %
Highest Dividend Yield
Canara Bank
2.68 %
Peer Comparison
| Company Name |
|---|
 Bank of India |
 Canara Bank |
 Central Bank of India |
 City Union Bank Ltd |
 Federal Bank Ltd |
 HDFC Bank Ltd |
 IDBI Bank Ltd |
 IDFC First Bank Ltd |
 Indian Bank |
 IndusInd Bank Ltd |
 Karur Vysya Bank Ltd |
 Bank of Maharashtra |
 Punjab National Bank |
 Punjab & Sind Bank |
 RBL Bank Ltd |
 UCO Bank |
 Union Bank of India |
 Yes Bank Ltd |
About
Indian Overseas Bank
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.
COMPANY FACTS - IOB
Registered Address
762/763, Iob,, Anna Salai,
Chennai
TAMIL NADU
IN
Company Details
Group: Banks
Sector: Financials
Industry: Banks
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 20,966
IPO Date: 25/09/2000
MANAGEMENT - IOB
Shri. Srinivasan Sridhar
Non-Executive Chairman of the Board, Part-Time Non-Official Director
Shri. Ajay Srivastava
Chief Executive Officer, Managing Director, Executive Director
Shri. Madhaw Jha
Chief Financial Officer, General Manager
Shri. Joydeep Roy
Executive Director
Shri. Dhanaraj T.
Executive Director
Ms. Neelam Agrawal
Director
Shri. Kartikeya Misra
Government Nominee Director
Shri. Sanjaya Rastogi
Director
Smt. Sonoli Sen Gupto
Director
Investor Questions Answered
Indian Overseas Bank (IOB) Stock FAQs
Get answers to the most common questions about Indian Overseas Bank stock price, fundamentals, financial metrics, and investment analysis
The current share price of Indian Overseas Bank (IOB) is ₹33.86. Today, the stock has gained by ₹0.30 (0.89%), trading in a range of ₹32.91 to ₹34.11. The stock opened at ₹33.25 with a trading volume of 65,07,262 shares.
Indian Overseas Bank can be considered for long-term investment based on several factors. The company has a market capitalization of ₹69,092.65 crores, P/E ratio of 13.94, ROE of 14.66%, and ROCE of 5.97%. The dividend yield stands at 0.00%. 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.
The 52-week high price of Indian Overseas Bank (IOB) is ₹45.15, while the 52-week low is ₹32.6. Currently trading at ₹33.86, the stock is 10.0% away from its 52-week low and 25.0% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Indian Overseas Bank stock at ₹33.86 depends on multiple factors. The stock is currently trading with a P/E ratio of 13.94 and P/B ratio of N/A. Today's performance shows a gain of 0.89%. 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.
Indian Overseas Bank offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹33.86, 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.
Indian Overseas Bank's key financial metrics include: P/E Ratio: 13.94, P/B Ratio: N/A, ROE: 14.66%, ROCE: 5.97%, Dividend Yield: 0.00%, EPS: ₹2.54, Book Value: ₹16.74, Debt-to-Equity: 1.33, and Current Ratio: N/A. The company's market cap stands at ₹69,092.65 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Indian Overseas Bank stock opened at ₹33.25 and is currently trading at ₹33.86, showing a gain of ₹0.30 (0.89%). The intraday high is ₹34.11 and low is ₹32.91. The trading volume stands at 65,07,262 shares, indicating strong market participation today.
Indian Overseas Bank has a Price-to-Earnings (P/E) ratio of 13.94, which means investors are willing to pay ₹13.94 for every ₹1 of earnings. With an EPS of ₹2.54, 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.
Indian Overseas Bank has a market capitalization of ₹69,092.65 crores, making it a mid-cap company. Market cap is calculated by multiplying the current stock price (₹33.86) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Indian Overseas Bank has a book value of ₹16.74 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹33.86, which is 102.3% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Indian Overseas Bank has a Return on Equity (ROE) of 14.66% and Return on Capital Employed (ROCE) of 5.97%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Indian Overseas Bank operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Indian Overseas Bank has a debt-to-equity ratio of 1.33, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 1 suggests the company uses more debt than equity for financing. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Indian Overseas Bank has an Earnings Per Share (EPS) of ₹2.54, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹33.86 and P/E ratio of 13.94, investors are paying 13.94 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Indian Overseas Bank has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Indian Overseas Bank has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Indian Overseas Bank stock, consider: 1) Fundamental Analysis - Review P/E (13.94), ROE (14.66%), debt-to-equity (1.33), and growth rates. 2) Technical Analysis - Check 52-week range (₹32.60 - ₹45.15), moving averages, and chart patterns. 3) Valuation - Compare current price (₹33.86) with book value (₹16.74) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Indian Overseas Bank share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹33.86 is 239x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Indian Overseas Bank carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹32.60 - ₹45.15). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 1.33 indicates leverage. 4) Liquidity Risk - Based on trading volume of 65,07,262 shares. 5) Valuation Risk - P/E of 13.94 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Indian Overseas Bank operates in the industry with key metrics: P/E ratio of 13.94, ROE of 14.66%, market cap of ₹69,092.65 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 1.33), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Indian Overseas Bank vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹33.86, with a 52-week range of ₹32.60 to ₹45.15. Based on fundamentals like P/E (13.94), ROE (14.66%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Indian Overseas Bank stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹33.86. 2) Fundamental Deterioration - Declining ROE (currently 14.66%), increasing debt (D/E: 1.33), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Indian Overseas Bank stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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