Indian Overseas Bank
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 12.33× and P/B of 1.73×, against the Financial Services sector median P/E of 8.21×.
Valuation
Profitability
Growth
Financial Health
Indian Overseas Bank financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Indian Overseas Bank, switchable between annual and quarterly views, consolidated or standalone.
Indian Overseas Bank reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹68,399.41 Cr and reported EPS of ₹2.70.
| Period | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|
| Other Income | 4,905 | 4,116 | 5,665 | 5,607 | 5,636 |
| Total Income | 21,641 | 23,523 | 29,731 | 33,750 | 37,532 |
| Profit Before Tax (PBT) | 1,779 | 2,353 | 3,423 | 4,573 | 6,268 |
| Tax Expense | 70 | 249 | 757 | 1,177 | 1,060 |
| Profit After Tax (PAT) | 1,709 | 2,104 | 2,666 | 3,396 | 5,208 |
| Earnings Per Share (EPS) | 0.90 | 1.11 | 1.41 | 1.76 | 2.81 |
| Diluted Shares Outstanding (Nos.) | 1,890 | 1,890 | 1,890 | 1,926 | 1,926 |
| +Banking Income | 21,641 | 23,523 | 29,731 | 33,750 | 37,532 |
| +Banking Expenses | 15,878 | 17,576 | 22,957 | 25,001 | 27,506 |
| +Asset Quality & Capital | 15,299 | — | 6,794 | 5,348 | 4,410 |
| +Additional Disclosures | — | — | — | — | 210 |
| Tax % | 4 | 11 | 22 | 26 | 17 |
| Profit Growth % | — | 23.09 | 26.70 | 27.38 | 53.38 |
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
Indian Overseas Bank investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Indian Overseas Bank, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Indian Overseas Bank's investment case rests on 7 positive markers and 9 flagged concerns drawn from the latest reported filings.
What you're getting.
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.
Despite a moderate Return on Equity of 11.40%, IOB maintains a healthy Operating Profit Margin (OPM) of 61.90%. This suggests effective cost management and efficient revenue generation capabilities.
IOB's Price-to-Earnings (PE) ratio of 17.70 is relatively lower than the sector average of 19.19, suggesting the stock might be undervalued. This could present a potential opportunity for value-seeking investors.
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.
What can break it.
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.
The stock price has experienced significant volatility, with a 52-week range from ₹33.00 to ₹59.90. This wide fluctuation presents considerable risk for investors, particularly those with shorter-term horizons.
Despite recent quarterly profit growth, the annual profit after tax of ₹4404 Cr remains relatively low compared to larger banking sector players, limiting overall financial strength and growth potential.
The company's dividend yield is 0.00%, indicating no dividend payouts to shareholders. This might deter income-focused investors seeking regular returns from their investments.
What would change my mind.
Trim if P/E re-rates above 16 (~1.9× the sector multiple of 8.2). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 1.00. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 11%. The operating engine is no longer compounding capital efficiently.
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
Indian Overseas Bank technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Indian Overseas Bank — derived from the live tape, not yesterday's close.
Indian Overseas Bank last traded at ₹35.58 with an intraday range of ₹33.88–₹36.53 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹35.58| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 42.08 | +6.50 | +18.27% |
| R3 | 39.43 | +3.85 | +10.82% |
| R2 | 37.98 | +2.40 | +6.75% |
| R1 | 36.78 | +1.20 | +3.37% |
| PIVOT | 35.33 | -0.25 | -0.70% |
| CURRENT | 35.58 | — | — |
| S1 | 28.83 | -6.75 | -18.97% |
| S2 | 31.48 | -4.10 | -11.52% |
| S3 | 32.68 | -2.90 | -8.15% |
| S4 | 34.13 | -1.45 | -4.08% |
IOB is trading Above CPR, indicating Bullishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: 33.88 ~ 34.2
Trading Above opening range, showing Bullishness
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 25.5% of traded volume, against a 20-day average of 44.9%.
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 159 documents below.
Updates
Indian Overseas Bank has informed the Exchange regarding 'Receipt of License from IFSCA for establishing IFSC Banking unit at GIFT City'.
Updates
Indian Overseas Bank has informed the Exchange regarding 'Annual Secretarial Compliance Report as on 31.03.2026'.
Analysts/Institutional Investor Meet/Con. Call Updates
Indian Overseas Bank has informed the Exchange about Schedule of meet
Change in Management
Indian Overseas Bank has informed the Exchange about change in Senior Management
Copy of Newspaper Publication
Indian Overseas Bank has informed the Exchange about Copy of Newspaper Publication
Investor decks & rating reports.
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 Financial Services, 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.
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 ₹35.58. Today, the stock has gained by ₹1.55 (4.55%), trading in a range of ₹33.88 to ₹36.53. The stock opened at ₹34.05 with a trading volume of 3,07,81,850 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 ₹68,399.41 crores, P/E ratio of 12.33, ROE of 15.65%, 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.
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 ₹41.8, while the 52-week low is ₹31.2. Currently trading at ₹35.58, the stock is 41.3% away from its 52-week low and 14.9% 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 ₹35.58 depends on multiple factors. The stock is currently trading with a P/E ratio of 12.33 and P/B ratio of 1.73. Today's performance shows a gain of 4.55%. 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 0.00%, which means for every ₹100 invested at the current price of ₹35.58, 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: 12.33, P/B Ratio: 1.73, ROE: 15.65%, ROCE: 5.97%, Dividend Yield: 0.00%, EPS: ₹2.70, Book Value: ₹19.21, and Debt-to-Equity: 0.00. The company's market cap stands at ₹68,399.41 crores. 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 ₹34.05 and is currently trading at ₹35.58, showing a gain of ₹1.55 (4.55%). The intraday high is ₹36.53 and low is ₹33.88. The trading volume stands at 3,07,81,850 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 12.33, which means investors are willing to pay ₹12.33 for every ₹1 of earnings. With an EPS of ₹2.70, 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.
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