Indian Overseas Bank
IOB NSE
Indian Overseas Bank
BanksNSE: IOB BSE: 532388 Public Sector Bank
Key Fundamentals
MidcapPublic Sector BankBanksMarket Cap
₹66,474 Cr
Volatility
Moderate
P/E Ratio
11.46
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
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Indian Overseas Bank insights
58 extracted metrics + investor summaries across FY15–FY26.
Tapetide Score
Data-driven rating, 0–100. How it works →
Technical Indicators
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% ↘
Net Income Growth
59.58% ↗
Cash Flow Change
80.56% ↗
ROE
39.13% ↗
ROCE
-1.27% ↘
EBITDA Margin (Avg.)
5.97% ↘
AI Analysis — Bull vs Bear
anthropic claude-opus-4.6 15h agoAI opinion · based on fundamentals
Risk high
Indian Overseas Bank is a public sector bank with a market cap of Rs.66,474 Cr trading at a PE of 11.3x and PB of 1.89x. The bank has shown strong profit growth of 44.4% CAGR over 5 years with improving ROE reaching 15% in the last year, but carries significant contingent liabilities of Rs.1,71,517 Cr and pays no dividend despite repeated profitability.
Bull Case 7
- Compounded profit growth of 44.4% CAGR over 5 years indicates a strong earnings recovery trajectory from earlier stressed periods
- TTM profit growth of 51% demonstrates continued acceleration in earnings momentum
- ROE improved to 15% in the last year from 12% over 3 years and negative territory (-3%) over 10 years, showing a clear turnaround
- PE ratio of 11.3x is relatively modest for a bank delivering 51% TTM profit growth, suggesting valuation has not fully priced in the recovery
- Compounded sales growth of 18% over 3 years and 15% TTM shows healthy top-line expansion in the loan book
- 5-year compounded sales growth of 13% indicates sustained revenue improvement beyond a one-time recovery
- Stock CAGR of 10% over 5 years suggests the market has recognized the turnaround but gains have been gradual rather than speculative
Bear Case 8
- Contingent liabilities of Rs.1,71,517 Cr are approximately 2.6x the bank's market cap of Rs.66,474 Cr, representing a significant off-balance-sheet risk
- Zero dividend yield despite reporting repeated profits signals either capital adequacy constraints or lack of confidence in earnings sustainability
- Low interest coverage ratio indicates vulnerability to margin compression or asset quality deterioration
- 10-year ROE of -3% reflects the deep NPA crisis history and questions whether the current recovery is structural or cyclical
- 3-year ROE of only 12.2% remains below private sector peers, suggesting operational efficiency gaps persist
- Potential capitalization of interest costs could be flattering reported profitability and masking true asset quality
- Stock has delivered -5% return over the last 1 year despite 51% TTM profit growth, indicating market skepticism about sustainability
- 10-year stock CAGR of only 2% despite recent recovery shows long-term shareholders have seen minimal wealth creation
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
anthropic claude-opus-4.6 1d 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 material positive or negative catalysts have emerged. Investors should watch the July 20 earnings call for updates on asset quality, credit growth, and profitability trajectory.
Quarterly Results
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 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% |
Profit & Loss
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | — |
Balance Sheet
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Cash Flow
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | -3% | -19% | -23% | -47% | -26% | -52% | 5% | 9% | 9% | 10% | 11% | 15% |
Documents
1
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
8 May - Indian Overseas Bank uploaded audio recording of 8 May 2026 analyst meet on Q4 FY26 results. 8 May - Indian Overseas Bank uploaded audio recording of 8 May 2026 analyst meet on Q4 FY26 results.
2
Announcement under Regulation 30 (LODR)-Newspaper Publication
30 Apr - Newspaper publication of Financial Results as on 31.03.2026 30 Apr - Newspaper publication of Financial Results as on 31.03.2026
3
Announcement under Regulation 30 (LODR)-Change in Management
30 Apr - GM Dillip Kumar Barik superannuated on 30.04.2026; Venkata Dayalprasad Goli takes HR role from 01.05.2026. 30 Apr - GM Dillip Kumar Barik superannuated on 30.04.2026; Venkata Dayalprasad Goli takes HR role from 01.05.2026.
4
Announcement under Regulation 30 (LODR)-Press Release / Media Release
29 Apr - IOB Q4FY26 net profit rose 43.2% to ₹1,505 crore; FY26 profit reached ₹5,208 crore. 29 Apr - IOB Q4FY26 net profit rose 43.2% to ₹1,505 crore; FY26 profit reached ₹5,208 crore.
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 is listed on the Indian stock exchanges. It is listed on NSE: IOB and BSE: 532388. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Indian Overseas Bank belong to?
Indian Overseas Bank operates in the Banks sector within the Public Sector Bank industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Indian Overseas Bank?
Indian Overseas Bank has a market capitalisation of approximately ₹66473.75 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Indian Overseas Bank?
The Price-to-Earnings (PE) ratio of Indian Overseas Bank is 11.46. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Indian Overseas Bank?
Over the past 52 weeks, Indian Overseas Bank has traded between a low of ₹31.2 and a high of ₹41.8. This range helps investors understand the stock's price volatility and recent trading levels.
What is the Return on Equity (ROE) of Indian Overseas Bank?
Indian Overseas Bank has a Return on Equity (ROE) of 14.65%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Indian Overseas Bank on Tapetide?
On Tapetide, you can view Indian Overseas Bank's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.
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