MarketFriction

Indian Overseas Bank

NSE IOB · BSE 532388 · Public Sector Bank
₹30.38 -1.87%
NSE close2026-10-01
52 week range30.51 - 41.80
Market cap₹59,599 Cr.
P/E10.4
Nifty 500Midcap 150Nifty PSU Bank Price band 20% Delivery 51.4%

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Standalone, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue5,8216,1766,6296,5356,8517,1127,6347,3867,8498,1728,4898,778
Interest3,4753,7783,8664,0944,3134,3234,5114,6394,7904,8745,0195,090
Expenses2,8272,5814,0472,7363,1892,8493,1502,7132,6973,4303,1023,989
Financing Profit-481-183-1,284-295-652-60-2733362-132368-301
Financing Margin %-8%-3%-19%-5%-10%-1%-0%0%5%-2%4%-3%
Other Income1,1141,2622,4771,0331,6331,2981,5811,4811,3651,4991,2912,160
Depreciation000000000000
Profit before tax6331,0791,1937389821,2371,5541,5141,7281,3671,6591,859
Tax %1%33%32%14%21%29%32%27%29%0%9%11%
Net Profit6257238086337778741,0511,1111,2261,3651,5051,659
EPS in Rs0.330.380.430.330.410.460.550.580.640.710.780.86
Gross NPA %4.74%3.90%3.10%2.89%2.72%2.55%2.14%1.97%1.83%1.54%1.42%1.33%
Net NPA %0.68%0.62%0.57%0.51%0.47%0.42%0.37%0.32%0.28%0.24%0.21%0.18%
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue23,51719,71917,91517,63117,40616,96616,73019,40024,05028,13131,89633,288
Interest18,13514,52912,44812,35212,10311,06710,41911,14514,22017,24119,32219,773
Expenses11,44311,72817,57315,14216,70610,3609,2639,75611,73711,52911,42113,218
Financing Profit-6,060-6,539-12,106-9,863-11,404-4,461-2,952-1,501-1,908-6391,153297
Financing Margin %-26%-33%-68%-56%-66%-26%-18%-8%-8%-2%4%1%
Other Income2,5283,3733,7464,2063,3605,5594,9034,1095,6565,5455,6366,316
Depreciation1962152723043012581722603363945210
Profit before tax-3,728-3,381-8,632-5,961-8,3448401,7792,3483,4134,5126,2686,613
Tax %-22%1%-27%-37%2%1%4%11%22%26%17%
Net Profit-2,897-3,417-6,299-3,738-8,5278311,7102,0992,6563,3355,2085,756
EPS in Rs-16.03-13.92-12.88-4.09-5.190.510.901.111.401.732.702.99
Dividend Payout %0%0%0%0%0%0%0%0%0%0%0%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth3%13%18%15%
Compounded Profit Growth14%44%35%51%
Stock Price CAGR2%7%-13%-22%
Return on Equity-3%11%12%15%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital1,2351,8072,4554,8919,14216,43716,43718,90218,90218,90219,25719,257
Reserves14,40613,85911,2908,3837,218-2825084,0986,3619,04013,28418,259
Deposits253,451224,514211,343216,832222,534222,952240,288262,159260,883285,905311,204368,191
Borrowing10,83027,18316,0989,2286,1465,4203,6723,07120,80430,38742,22851,603
Other Liabilities5,7157,0735,9838,6344,96816,20013,10611,1476,7847,7999,04416,011
Total Liabilities285,637274,437247,167247,968250,008260,727274,010299,377313,734352,034395,017473,320
Fixed Assets2,4623,2183,0022,8383,3213,1242,9183,3653,7103,7254,5815,007
CWIP45525356163100147467
Investments79,29879,19071,65468,64666,93279,41695,49498,17994,17099,632111,045119,810
Other Assets203,832191,977172,459176,429179,739178,183175,597197,833215,854248,662279,317348,436
Total Assets285,637274,437247,167247,968250,008260,727274,010299,377313,734352,034395,017473,320
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity5,941-3,091-505-1,999-786-14,0234,9495,566-15,595-1,1652,7715,502
Cash from Investing Activity-164-254-135-110-647-85-46-48-559-359-565-639
Cash from Financing Activity1136921,6175,4305,7807,2771,813479-12-528310-710
Net Cash Flow5,890-2,6529773,3224,347-6,8316,7165,997-16,166-2,0522,5164,152
Free Cash Flow5,783-3,345-640-2,108-1,433-14,1084,9035,518-16,155-1,5252,2054,863
CFO/OP36%-23%-1%-182%5%-1,933%77%85%-158%-5%5%30%
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%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters96.38%96.38%96.38%96.38%96.38%96.38%94.61%94.61%94.61%92.44%92.44%92.44%
FIIs0.15%0.03%0.05%0.05%0.04%0.02%0.22%0.08%0.31%0.35%0.43%0.47%
DIIs1.33%1.29%1.29%1.30%1.30%1.30%2.59%2.37%2.30%4.26%4.28%4.29%
Public2.13%2.28%2.28%2.27%2.29%2.30%2.58%2.94%2.78%2.93%2.85%2.80%
No. of Shareholders6,68,1777,27,34810,06,1859,96,5689,77,5929,77,9179,77,86310,08,1289,88,5519,81,8299,68,2989,55,025

Fundamentals

Market Cap₹ 59,599 Cr.
Current Price₹ 31.0
Stock P/E10.4
Book Value₹ 20.5
ROCE6.07 %
ROE14.9 %
Dividend Yield0.00 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)15%
Compounded Profit Growth (TTM)51%
Standalone figures.
Valuation
Market capRs 58,502 Cr
Enterprise valueRs 461,689 Cr
P/E (TTM)10.16x
Price to book1.56x
Price to sales1.76x
EV / EBITDA17.16x
EV / EBIT17.50x
EV / sales13.87x
Price to cash flow10.63x
Earnings yield9.84%
P/E, 3-year average25.59x
P/B, 3-year average2.66x
P/E, 5-year average23.41x
P/B, 5-year average2.23x
Profitability
Operating margin (excl. other income)64.19%
Operating margin (incl. other income)81.86%
EBITDA margin80.83%
Pre-tax margin19.87%
Net profit margin17.29%
Net margin, latest quarter18.90%
ROE14.87%
ROCE6.07%
ROA1.20%
ROE, 3-year average11.96%
ROCE, 3-year average5.81%
ROA, 3-year average0.96%
ROE, 5-year average10.63%
ROCE, 5-year average5.28%
ROA, 5-year average0.83%
ROIC (approx.)4.97%
Tax rate16.91%
Other income / net worth15.02%
Growth
Sales growth (latest year)13.38%
Profit growth (latest year)56.18%
Sales CAGR, 3 years18.03%
Sales CAGR, 5 years13.46%
Profit CAGR, 3 years35.38%
Profit CAGR, 5 years44.33%
Sales growth QoQ3.40%
Profit growth QoQ10.22%
Sales growth YoY (latest quarter)18.85%
Profit growth YoY (latest quarter)49.34%
Per share
EPS (TTM)Rs 2.99
EPS (latest year)Rs 2.70
EPS (latest quarter)Rs 0.86
EPS, 3-year averageRs 1.95
EPS, 5-year averageRs 1.57
Book value per shareRs 19.48
Sales per shareRs 17.29
Cash flow per shareRs 2.86
Free cash flow per shareRs 2.53
Efficiency
Asset turnover0.07x
Fixed asset turnover6.37x
Leverage
Total debtRs 419,794 Cr
Cash and bankRs 16,606 Cr
Net debtRs 403,188 Cr
Debt to equity11.19x
Net debt / EBITDA14.98x
Interest coverage1.33x
Owners' fund to total sources7.93%
Debt to assets88.69%
Cash flow
Cash from Operating Activity (latest year)Rs 5,502 Cr
Cash from Investing Activity (latest year)Rs -639 Cr
Cash from Financing Activity (latest year)Rs -710 Cr
Net Cash Flow (latest year)Rs 4,152 Cr
Free cash flow (latest year)Rs 4,863 Cr
FCFE (approx.: FCF + change in debt)Rs 71,225 Cr
Cash from ops / profit, 5 years-0.19x
Sales to cash flow5.80x
Statement figures
Net sales (TTM)Rs 33,288 Cr
Net sales (latest year)Rs 31,896 Cr
Sales (latest quarter)Rs 8,778 Cr
Operating profit excl. other income (latest year)Rs 20,475 Cr
Operating profit (latest quarter)Rs 4,789 Cr
Other income (TTM)Rs 6,316 Cr
EBITDA (TTM)Rs 26,907 Cr
PBDT (TTM)Rs 7,134 Cr
Profit before tax (TTM)Rs 6,613 Cr
Tax (latest year)Rs 1,060 Cr
Net profit (TTM)Rs 5,756 Cr
Net profit (latest year)Rs 5,208 Cr
Net profit (latest quarter)Rs 1,659 Cr
Depreciation (TTM)Rs 521 Cr
Interest (TTM)Rs 19,773 Cr
Cost of goods sold (latest year)Rs 39 Cr
Total expenditure (latest year)Rs 11,421 Cr
Total income (latest year)Rs 37,532 Cr
Share capitalRs 19,257 Cr
ReservesRs 18,259 Cr
Shareholders' fundsRs 37,515 Cr
Total assetsRs 473,320 Cr
Net blockRs 5,007 Cr
Capital work in progressRs 67 Cr
InvestmentsRs 119,810 Cr
Other liabilitiesRs 16,011 Cr
Shares outstanding (crore)1,925.66
Ownership
Promoter holding92.44% (-2.17 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 10.2 is the lowest in its own 5.4-year history (median 28.1, low 10.2, high 65.0).
P/B 1.56 is at the 22th percentile (median 2.14).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
PeriodIOBNifty 50Difference
1 week-4.8%-2.8% -2.0 pts
1 month-5.9%-6.8% +0.9 pts
3 months-11.6%-7.6% -4.0 pts
6 months-3.2%+0.4% -3.6 pts
1 year-21.9%-9.9% -12.0 pts
2 years-50.2%-13.6% -36.7 pts
3 years-35.0%+14.2% -49.2 pts
5 years+35.0%+27.9% +7.1 pts
31 mutual fund schemes hold about ₹27 Cr. Over three months 7 bought more and 0 sold (share counts, price move removed).
FundWeightEst. Cr3m shares
Nippon India Nifty Smallcap 250 Index Fund0.21%8 +4%
SBI BSE PSU Bank Index Fund1.37%5 +8%
SBI Nifty Smallcap 250 Index Fund0.21%4 +4%
Motilal Oswal Nifty Smallcap 250 Index Fund0.21%3 +3%
ICICI Pru Nifty Smallcap 250 Index Fund0.21%2 +4%
HDFC NIFTY Smallcap 250 Index Fund0.21%2 +4%
Nippon India Nifty 500 Equal Weight Index Fund0.19%1 +10%
JioBlackRock Nifty Smallcap 250 Index Fund0.21%1 +4%
Motilal Oswal Nifty 500 Index Fund0.02%1 +4%
Edelweiss Nifty Smallcap 250 Index Fund0.21%1 +4%
Groww Nifty Smallcap 250 Index Fund0.21%0 +4%
HDFC Nifty500 Multicap 50:25:25 Index Fund0.05%0 +5%
Bandhan Nifty Smallcap 250 Index Fund0.21%0 +4%
Kotak Nifty Smallcap 250 Index Fund0.21%0 +4%
SBI Nifty 500 Index Fund0.02%0 +4%
Kotak BSE PSU Index Fund0.20%0 +9%
Groww Nifty Total Market Index Fund0.02%0 +4%
Axis Nifty 500 Index Fund0.02%0 +4%
HDFC BSE 500 Index Fund0.02%0 -0%
Groww Nifty PSU Bank Index Fund1.30%0 +8%
DSP Nifty Smallcap 250 Index Fund0.21%0 +3%
UTI Nifty 500 Index Fund0.02%0 +100%
ICICI Pru Nifty 500 Index Fund0.02%0 +4%
Zerodha Nifty MidSmallcap400 50:50 Index Fund0.11%0 +0%
Navi Nifty 500 Multicap 50:25:25 Index Fund0.05%0 +7%

Red flags

F-score 7 of 8
explainLow interest cover Interest cover 1.3x in 2026
lookProfit leans on other income Other income was 90% of pre-tax profit in 2026
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Insider trades

NSE insider and takeover-code disclosures
DateWhoRoleSideSharesValueHow
2025-12-18President of India acting through Promoterssell417,838,271Rs 417.84 CrMarket Sale
2020-02-27President of India (Government of Promotersother3,851,590,106Rs 4360.00 CrPreferential Offer
2019-11-28President of India (Government of Promotersother3,443,750,000Rs 38.57 CrPreferential Offer
2019-03-28President of India (Government of Promotersother2,695,467,422Rs 3806.00 CrPreferential Offer
2019-03-28President of India Government of IPromotersother2,695,467,422Rs 0.00 CrOthers
2018-11-12President of India (Government of Promotersother1,373,010,821Rs 2157.00 CrPreferential Offer
2018-03-28The President of India (GovernmentPromotersother2,038,211,029Rs 4694.00 CrPreferential Offer
Latest disclosed trades by insiders, promoters and large holders. Grants, option exercises and pledges show as "other". A filing is a fact, not a signal on its own.

Latest quarter

Jun 2026
Revenue ₹8,778 Cr +18.8% vs Jun 2025. Net profit ₹1,659 Cr +49.3%.

Activity

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Punjab & Sind Bank14,97910.85.95 %
No bulk or block deals on record.
Ex-dateActionFactor
2024-06-25Annual General Meeting
2023-06-30Annual General Meeting
2022-07-07Annual General Meeting
2021-07-29 Annual General Meeting
2020-08-14 Annual General Meeting
2019-07-02 Annual General Meeting
2018-07-02 Annual General Meeting
2017-06-19 Annual General Meeting
2016-07-08 Annual General Meeting
2015-06-22Annual General Meeting
2014-06-19Annual General Meeting / Final Dividend - Re 0.50/- Per Share
2014-02-10Interim Dividend - Re 0.70/- Per Share
2013-06-20Final Dividend Rs.2/- Per Equity Share
2012-06-21Annual General Meeting And Dividend Rs.4.50 Per Share
2011-07-04Dividend-Rs.5/- Per Share
2010-05-26Dividend-Rs.3.50 Pr Share
2009-05-21Agm/Div-Rs.4.50 Per Share
2008-10-16Egm
2008-05-05Agm/Dividend - 35% Purpose Revised
2007-05-07Agm/Dividend-30%
2006-05-11Dividend-26%
DateTypeWhat it says
2026-09-25General UpdatesGeneral Updates- Notice of Proposed Bank Strike
2026-08-13General UpdatesGeneral Updates - Changes in MCLR w.e.f 15.08.2026
2026-07-31Credit RatingCredit Rating
2026-07-24Concall / analyst meetTranscript of Analyst Meet held on 20.07.2026
2026-07-20Concall / analyst meetLink of Recording
2026-07-20Investor PresentationInvestor Presentation
2026-07-20UpdatesSecurity Cover Certificate for the quarter ended 30.06.2026.
2026-07-20Press ReleaseA press release dated July 20, 2026, titled "Press Release on Financial Results for the quarter ended 30.06.2026".
2026-07-20Statement of deviation(s) orStatement of deviation(s) or variation(s) under Reg. 32
2026-07-20Board meeting outcomeIndian Overseas Bank has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-14Concall / analyst meetSchedule of meet
2026-07-09Shareholder meetingScrutinizer Report relating to AGM held on 07.07.2026
2026-07-08Shareholder meetingVoting results.
2026-07-07Shareholder meetingProceedings of Annual General Meeting held on July 07, 2026
2026-07-01Change in ManagementChange in Senior Management
2026-06-30Change in ManagementChange in Management- Chief Compliance Officer
2026-06-25Credit RatingCredit Rating
2026-06-19Disclosure under SEBI TakeovIndian Overseas Bank has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) and 31 (5) of the Securities and Exchange Board of Indi...
2026-06-12General UpdatesChange in MCLR w.e.f 15.06.2026
2026-06-11Shareholder meetingNotice of Annual General Meeting to be held on July 07, 2026
2026-06-02UpdatesReceipt of License from IFSCA for establishing IFSC Banking unit at GIFT City.
2026-05-22UpdatesAnnual Secretarial Compliance Report as on 31.03.2026.
2026-05-21General UpdatesGeneral Updates- Intimation of Annual General Meeting of the Bank scheduled for 07.07.2026
2026-05-21Board meeting outcomeOutcome of Board Meeting held on May 21, 2026.
2026-05-14Concall / analyst meetTranscript
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Order dateForumCase
2021-07-28NCLTIndian Overseas Bank Vs M/s. Pixion Media Pvt Ltd & Ors
2021-07-28NCLTIndian Overseas Bank Vs M/s. Rathi TMT Saria Pvt Ltd.
2021-07-23NCLTIndian Overseas Bank Vs Subhashri Bio Energies Pvt Ltd
2021-07-13NCLTINDIAN OVERSEAS BANK Vs YUMMZ FOODS PRIVATE LIMITED
2021-06-10NCLTIndian Overseas Bank Vs M/s. Peal Vision Pvt. Ltd.
2021-04-29NCLTDeepa V.Ramani (Liq) (Santosh Hospitals Pvt Ltd) Vs Indian Overseas Bank & 2 Ors
Orders from NCLT, NCLAT and CESTAT naming the company. Click a row for the order.
Not on any NSE surveillance list in the latest file.

Quick answers

What is the market cap of Indian Overseas Bank?

Indian Overseas Bank (IOB) has a market capitalisation of Rs 59,599 Cr. at the 2026-10-01 close.

What is the P/E ratio of Indian Overseas Bank?

Indian Overseas Bank trades at a P/E of 10.4 on trailing twelve-month profit, at the 2026-10-01 close.

What were Indian Overseas Bank's latest quarterly results?

In the Jun 2026 quarter, Indian Overseas Bank revenue was Rs 8,778 Cr (+18.8% vs Jun 2025) and net profit was Rs 1,659 Cr.

What is the 52-week high and low of Indian Overseas Bank?

The 52-week high is Rs 41.80 and the 52-week low is Rs 30.51.

Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.AboutMethodologyFAQResearchContactTermsPrivacyDisclaimerUpdated 2026-10-03