Indian Overseas Bank logo

Indian Overseas Bank

IOB NSE

Key Fundamentals

MidcapPublic Sector BankBanks
Market Cap
₹63,296 Cr
Volatility
Moderate
P/E Ratio
11.06
EBITDA
₹7,000 Cr
Return on Equity
14.65%
Debt to Equity
0
Book Value
₹18.44
EPS
₹1.49
52W High
₹41.8
52W Low
₹31.2

Tapetide Score

Data-driven rating, 0–100. How it works →

Key Insights

Strengths

1
  • Company has delivered good profit growth of 44.4% CAGR over last 5 years

Weaknesses

5
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 12.2% over last 3 years.
  • Contingent liabilities of Rs.1,71,517 Cr.
  • Company might be capitalizing the interest cost

Growth Rate

Revenue Growth
11.83% lower than 3Y
Net Income Growth
59.58% higher than 3Y
Cash Flow Change
80.56% lower than 3Y
ROE
39.13% higher than 3Y
ROCE
-1.27% lower than 3Y
EBITDA Margin (Avg.)
5.97% lower than 3Y

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 2d ago
AI opinion · based on fundamentals
Risk high

Indian Overseas Bank is a public sector bank with a market cap of Rs.63,296 Cr trading at a PE of 10.6x and PB of 1.78x. The bank has shown strong profit growth of 51% TTM and 44% CAGR over 5 years, while ROE has improved to 15% in the last year from a negative 10-year average of -3%, reflecting a turnaround from legacy asset quality issues.

Bull Case 7
  • Strong profit growth with 51% TTM compounded profit growth and 44% CAGR over 5 years, indicating a sustained earnings recovery
  • ROE has improved sharply to 15% in the last year from a 10-year average of -3%, signaling a meaningful turnaround in profitability
  • Revenue momentum is solid with TTM sales growth at 15% and 3-year compounded sales growth at 18%
  • PE of 10.6x is relatively modest for a bank showing 51% TTM profit growth, suggesting the market has not fully priced in the earnings recovery
  • 3-year ROE of 12% and last year ROE of 15% show a consistent improving trend compared to the deeply negative 10-year average of -3%
  • 5-year compounded sales growth of 13% demonstrates the bank has been steadily growing its core business over a longer horizon
  • 10-year compounded profit growth of 14% turns positive despite years of heavy NPA provisioning in the earlier part of that decade, reflecting the magnitude of recent recovery
Bear Case 8
  • Massive contingent liabilities of Rs.1,71,517 Cr far exceed the bank's market cap of Rs.63,296 Cr, representing a significant off-balance-sheet risk
  • Zero dividend yield despite reporting repeated profits suggests the bank is retaining capital to shore up its balance sheet rather than rewarding shareholders
  • Low interest coverage ratio indicates the bank's earnings may not comfortably service its own debt obligations
  • Stock has declined 17% over the past 1 year and delivered only 1% CAGR over 3 years, significantly underperforming broader market indices
  • 3-year ROE of only 12.2% remains below what stronger PSU and private bank peers generate, reflecting sub-par capital efficiency
  • Potential capitalization of interest cost raises concerns about the true quality of reported earnings and asset valuations
  • 10-year stock CAGR of just 2% highlights that long-term shareholders have seen minimal wealth creation despite the recent profit recovery
  • PB ratio of 1.78x is elevated for a PSU bank with 12% ROE, as many PSU peers with similar ROE trade at lower book multiples

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 31d ago
Neutral 1
  • Q1 FY27 earnings call scheduled Jul 14

    IOB will hold its Q1 FY27 earnings call on July 20, 2026, led by MD & CEO Ajay Kumar Srivastava to discuss quarterly results.

TL;DR: Limited news flow for IOB this period with only a routine earnings call announcement. No specific headwinds or positive catalysts emerged. Investors should watch the July 20 earnings call for updates on asset quality, credit growth, and profitability trends.

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
5,424
5,821
6,176
6,629
6,535
6,851
7,112
7,634
7,386
7,849
8,172
8,489
8,778
Expenses
2,618
2,827
2,581
4,047
2,736
3,189
2,849
3,150
2,713
2,697
3,430
3,102
3,989
Financing Profit
-296
-481
-183
-1,284
-295
-652
-60
-27
33
362
-132
368
-301
Fin. Margin %
-5%
-8%
-3%
-19%
-5%
-10%
-1%
0%
0%
5%
-2%
4%
-3%
Other Income
803
1,114
1,262
2,477
1,033
1,633
1,298
1,581
1,481
1,365
1,499
1,291
2,160
Interest
3,102
3,475
3,778
3,866
4,094
4,313
4,323
4,511
4,639
4,790
4,874
5,019
5,090
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
507
633
1,079
1,193
738
982
1,237
1,554
1,514
1,728
1,367
1,659
1,859
Tax %
1%
1%
33%
32%
14%
21%
29%
32%
27%
29%
0%
9%
11%
Net Profit
500
625
723
808
633
777
874
1,051
1,111
1,226
1,365
1,505
1,659
EPS in Rs
0.26
0.33
0.38
0.43
0.33
0.41
0.46
0.55
0.58
0.64
0.71
0.78
0.86
Gross NPA %
7.13%
4.74%
3.9%
3.1%
2.89%
2.72%
2.55%
2.14%
1.97%
1.83%
1.54%
1.42%
1.33%
Net NPA %
1.44%
0.68%
0.62%
0.57%
0.51%
0.47%
0.42%
0.37%
0.32%
0.28%
0.24%
0.21%
0.18%
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
23,938
23,517
19,719
17,915
17,631
17,406
16,966
16,730
19,400
24,050
28,131
31,896
33,288
Expenses
7,262
11,443
11,728
17,573
15,142
16,706
10,360
9,263
9,756
11,737
11,529
11,421
13,218
Financing Profit
-1,878
-6,060
-6,539
-12,106
-9,863
-11,404
-4,461
-2,952
-1,501
-1,908
-639
1,153
297
Fin. Margin %
-8%
-26%
-33%
-68%
-56%
-66%
-26%
-18%
-8%
-8%
-2%
4%
1%
Other Income
2,139
2,528
3,373
3,746
4,206
3,360
5,559
4,903
4,109
5,656
5,545
5,636
6,316
Interest
18,554
18,135
14,529
12,448
12,352
12,103
11,067
10,419
11,145
14,220
17,241
19,322
19,773
Depreciation
149
196
215
272
304
301
258
172
260
336
394
521
0
PBT
111
-3,728
-3,381
-8,632
-5,961
-8,344
840
1,779
2,348
3,413
4,512
6,268
6,613
Tax %
508%
-22%
1%
-27%
-37%
2%
1%
4%
11%
22%
26%
17%
—
Net Profit
-454
-2,897
-3,417
-6,299
-3,738
-8,527
831
1,710
2,099
2,656
3,335
5,208
5,756
EPS in Rs
-3.68
-16.03
-13.92
-12.88
-4.09
-5.19
0.51
0.9
1.11
1.4
1.73
2.7
2.99
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
1,235
1,807
2,455
4,891
9,142
16,437
16,437
18,902
18,902
18,902
19,257
19,257
Reserves
14,406
13,859
11,290
8,383
7,218
-282
508
4,098
6,361
9,040
13,284
18,259
Borrowing
10,830
27,183
16,098
9,228
6,146
5,420
3,672
3,071
20,804
30,387
42,228
51,603
Deposits
2,53,451
2,24,514
2,11,343
2,16,832
2,22,534
2,22,952
2,40,288
2,62,159
2,60,883
2,85,905
3,11,204
3,68,191
Other Liabilities
5,715
7,073
5,983
8,634
4,968
16,200
13,106
11,147
6,784
7,799
9,044
16,011
Total Liabilities
2,85,637
2,74,437
2,47,167
2,47,968
2,50,008
2,60,727
2,74,010
2,99,377
3,13,734
3,52,034
3,95,017
4,73,320
Fixed Assets
2,462
3,218
3,002
2,838
3,321
3,124
2,918
3,365
3,710
3,725
4,581
5,007
CWIP
45
52
53
56
16
3
1
0
0
14
74
67
Investments
79,298
79,190
71,654
68,646
66,932
79,416
95,494
98,179
94,170
99,632
1,11,045
1,19,810
Other Assets
2,03,832
1,91,977
1,72,459
1,76,429
1,79,739
1,78,183
1,75,597
1,97,833
2,15,854
2,48,662
2,79,317
3,48,436
Total Assets
2,85,637
2,74,437
2,47,167
2,47,968
2,50,008
2,60,727
2,74,010
2,99,377
3,13,734
3,52,034
3,95,017
4,73,320
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
5,941
-3,091
-505
-1,999
-786
-14,023
4,949
5,566
-15,595
-1,165
2,771
5,502
Investing
-164
-254
-135
-110
-647
-85
-46
-48
-559
-359
-565
-639
Financing
113
692
1,617
5,430
5,780
7,277
1,813
479
-12
-528
310
-710
Net Cash Flow
5,890
-2,652
977
3,322
4,347
-6,831
6,716
5,997
-16,166
-2,052
2,516
4,152
Free Cash Flow
5,783
-3,345
-640
-2,108
-1,433
-14,108
4,903
5,518
-16,155
-1,525
2,205
4,863
CFO/OP
36
-23
-1
-182
5
-1,933
77
85
-158
-5
5
30
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
-3%
-19%
-23%
-47%
-26%
-52%
5%
9%
9%
10%
11%
15%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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Shareholding Pattern

Others0.40%Promot.92.44%FIIs0.47%Public2.40%DIIs4.29%As ofJun 2026

Documents

Frequently Asked Questions about Indian Overseas Bank

What does Indian Overseas Bank do?
Indian Overseas Bank was founded in 1937 by Chidambaram Chettyar. It was one of the 14 major banks that were nationalized in 1969. [1]
Where is Indian Overseas Bank (IOB) listed?
Indian Overseas Bank trades as IOB on the NSE and under code 532388 on the BSE.
Which sector does Indian Overseas Bank belong to?
Indian Overseas Bank is classified under the Banks sector, in the Public Sector Bank industry.
What is the market capitalisation of Indian Overseas Bank?
Indian Overseas Bank has a market capitalisation of ₹63,296 Cr, which places it in the Large Cap band.
What is the PE ratio of Indian Overseas Bank?
Indian Overseas Bank trades at a PE ratio of 11.06, on earnings per share of ₹1.49, against a book value of ₹18.44 per share.
What is the 52-week high and low of Indian Overseas Bank?
Over the last 52 weeks Indian Overseas Bank has traded between ₹31.2 and ₹41.8.
What is the Return on Equity (ROE) of Indian Overseas Bank?
Indian Overseas Bank reported a return on equity of 14.65%. Its debt-to-equity ratio is 0.00.

Company Information

Indian Overseas Bank was founded in 1937 by Chidambaram Chettyar. It was one of the 14 major banks that were nationalized in 1969. [1]

Website iob.in
CEO Mr. Ajay Kumar Srivastava
Employees 20,966
Listed 2000-12-07
Face Value ₹ 10
Issued Size 19,25,65,89,795

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