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Prices as of 8 Oct 2026 close · Not investment advice

Indian Overseas Bank

NSE: IOBPublic Sector Bank

Share price

₹30.48

-1.77% close of 8 Oct 2026

Market cap ₹58,695 CrP/E 9.9

Business score

How strong the business is, in one number. The parts behind it are in Pro.

77

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹58,695 Cr

P/E ratio

9.9

P/B ratio

1.5

ROCE

6.1%

ROE

15.6%

Dividend yield

0.0%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 8 Oct 2026 close52-week high ₹40.6752-week low ₹30.38

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Sales grew 14.8% over the past year, and 6.7% a year over its longer record. Meanwhile what it keeps on lending improved from -8.8% to 1% over the last two years.

Whether it grew faster than its sector

It grew 6.7% a year against a sector median of 16.0% — 9.2 percentage points slower.

Room to re-rate, or risk of de-rating

At 9.9× earnings against a market that pays 23.9× across 2199 companies we can price. Its own industry sits at 6.3×, across 5 companies. It is against its own five-year median of 27.1×, the 0th percentile of its own range.

Whether growth justifies the valuation

Priced at 0.3 times its growth rate, on earnings growth of 37%.

Profit growthPrice per ₹1 profitPer 1% growth
Indian Overseas Bank — this one37%/yr9.9×₹0.27
State Bank of India14%/yr10.3×₹0.74
Punjab National Bank76%/yr6.0×₹0.08
Union Bank of India32%/yr6.3×₹0.20
Bank of Baroda10%/yr5.5×₹0.55
Indian Bank28%/yr8.5×₹0.30

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Public Sector Bank), it ranks 4 of 12 on returns, 9 of 12 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

A narrow advantage: it earns 15.6% on capital, ahead of 67% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result · Q4 FY26

What the last results showed. Whether management kept its word is in Pro.

Net profit grew 43% to ₹1,556 crore in the March quarter, with no earlier promises to check.

Announced 19 Sep 2026 · Consolidated · Audited

Revenue

₹9,780 Cr

Net profit

₹1,556 Cr

Profit vs last year

+42.5%

Profit vs last quarter

+9.1%

Net margin

15.9%

EPS

₹0.81

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹58,695 Cr
Prev close
₹30.48
52w High
₹41.8
52w Low
₹30.1
Enterprise value
—
Beta
1.2
Price CAGR 1y
-21.0%
Price CAGR 3y
-11.0%
Price CAGR 5y
7.0%
Price CAGR 10y
2.0%

Ratios

Return on assets
1.1%
PEG ratio
0.3
P/E ratio
9.9
P/B ratio
1.5
EV / EBITDA
—
Industry P/E
7.4
ROCE
6.1%
ROCE 5y average
—
ROE
15.6%
Debt / Equity
1.4
Interest coverage
—
Dividend yield
0.0%
ROE 3y average
13.0%
ROE last year
16.0%

Annual P&L

Annual revenue
₹31,896 Cr
Annual profit
₹5,418 Cr
Operating margin
4.0%
Net profit margin
17.0%
EBITDA margin
3.6%
Sales growth 3y
18.0%
Sales growth 5y
13.4%
Profit growth 3y
37.0%
Profit growth 5y
48.0%
EPS
₹2.8
Sales growth TTM
15.0%
Profit growth TTM
52.0%
Dividend payout
0.0%

Quarter P&L

Sales latest quarter
₹8,778 Cr
Profit latest quarter
₹1,716 Cr
YoY quarterly sales growth
18.8%
YoY quarterly profit growth
45.7%
OPM latest quarter
-3.0%

Balance Sheet

Book Value
₹19.2
Face Value
₹10.0
Total debt
₹51,603 Cr
Total cash
₹16,606 Cr
Borrowings
₹51,603 Cr
Reserves / Equity
0.9

Cash Flow

Operating cash flow
₹4,780 Cr
Free cash flow
₹4,141 Cr
FCF yield
—
Net cash flow
₹4,003 Cr

Shareholding

Promoter holding
92.4%
FII holding
0.5%
DII holding
4.3%
Public holding
2.8%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
SBI954.0010.58,80,6151.8225,120.913.71,36,240.58.46.1
Union Bank (I)173.156.41,32,1762.895,641.527.427,427.11.26.3
Punjab Natl.Bank114.596.01,31,6982.625,834.8174.333,589.23.16.1
Bank of Baroda234.555.51,21,2943.621,839.364.635,114.56.85.6
Indian Bank828.308.71,11,5692.203,357.420.518,095.111.16.3
Canara Bank119.155.41,08,0773.525,182.13.532,957.24.56.5
Bank of Maha84.158.664,7242.612,023.334.58,034.713.96.0
I O B31.0310.059,7530.001,716.345.68,777.618.86.1
Median116.877.586,4012.622,663.725.319,096.08.86.1

Competes with: Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Central Bank of India, Indian Bank, Punjab & Sind Bank, Punjab National Bank, State Bank of India, UCO Bank, Union Bank of India

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Consolidated · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue5,4275,8256,1806,6346,5396,8547,1167,6357,3877,8518,1728,4898,778
Expenses2,6212,8292,5834,0492,7383,1912,8523,1522,7142,6983,4303,1023,989
Financing Profit-296-481-183-1,283-295-652-60-2734364-132368-301
Financing Margin %-5-8-3-19-5-10-1-005-24-3
Other Income8071,1171,2632,4791,0331,6341,2981,5811,4801,3651,4991,2912,160
Interest3,1023,4773,7803,8684,0964,3154,3244,5104,6394,7904,8745,0195,090
Depreciation0000000000000
Profit before tax5116361,0801,1967399821,2381,5541,5151,7291,3671,6591,859
Tax %1133321421293227290911
Net Profit5046277248106497808751,0921,1781,2591,4271,5561,716
EPS in Rs0.270.330.380.430.340.410.460.570.610.650.740.810.89
Gross NPA5,0784,5304,4104,292
Income on Investments1,8721,9061,9121,978
Interest on Advances5,8566,1286,4426,662
Interest on RBI and Inter-bank Balances5756135138
Net NPA776708638588

Filed only on the standalone basis, so shown from it: Gross NPA, Income on Investments, Interest on Advances, Interest on RBI and Inter-bank Balances, Net NPA.

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Consolidated · to 31 Mar 2026
Line itemMar 2002Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue3,17116,97616,73619,40724,06628,14431,89633,290
Expenses1,27310,3679,2709,76311,74611,53811,42113,218
Financing Profit-305-4,461-2,954-1,503-1,906-6391,153299
Financing Margin %-10-26-18-8-8-241
Other Income5365,4864,9054,1165,6655,6075,8476,316
Interest2,20311,06910,41911,14614,22617,24419,32219,773
Depreciation02581732603363945210
Profit before tax2317671,7792,3533,4234,5736,4786,615
Tax %01411222616
Net Profit2317581,7092,1042,6663,3965,4185,958
EPS in Rs0.460.901.111.411.762.813.09
Dividend Payout %23000000

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
—
5 years
13%
3 years
18%
TTM
15%

Compounded profit growth

10 years
—
5 years
48%
3 years
37%
TTM
52%

Stock price CAGR

10 years
2%
5 years
7%
3 years
-11%
1 year
-21%

Return on equity

10 years
—
5 years
11%
3 years
13%
Last year
16%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Consolidated
Line itemMar 2002Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital44516,64718,90218,90218,90219,25719,257
Reserves6544523,6955,9748,65912,97717,734
Borrowing1803,6723,07120,80430,38742,22851,603
Deposits31,8082,40,3532,62,2142,60,9742,86,1213,11,2043,68,191
Other Liabilities2,38913,10611,1486,7857,7999,04516,011
Total Liabilities35,4772,74,2292,99,0303,13,4383,51,8693,94,7104,72,795
Fixed Assets3872,9183,3663,7113,7264,5815,007
CWIP0100147467
Investments15,01595,48597,64193,64399,1941,10,5881,19,285
Advances3,06,622
Other Assets20,0751,75,8251,98,0232,16,0852,48,9352,79,4673,48,436
Total Assets35,4772,74,2292,99,0303,13,4383,51,8693,94,7104,72,795

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Consolidated
Line itemMar 2002Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity4,9495,539-13,655-1,1192,6474,780
Cash from Investing Activity-46-49-560-359-579-639
Cash from Financing Activity1,813479-1,916-528337-138
Net Cash Flow6,7165,969-16,130-2,0062,4054,003
Free Cash Flow4,9035,490-14,214-1,4782,0684,141

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Consolidated
Line itemMar 2002Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %21499101116

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Consolidated · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters969696969696959595929292
FIIs0.150.030.050.050.040.020.220.080.310.350.430.47
DIIs1.331.291.291.301.301.302.592.372.304.264.284.29
Public2.132.282.282.272.292.302.582.942.782.932.852.80
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

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year -22.1% (₹39.14 → ₹30.48)Brick size ₹0.69 (fixed)Bricks 41
₹35.00₹40.00₹30.48Nov '25Jan '26Mar '26May '26Jul '26Sep '26
Price moved up one brickPrice moved down one brickLast close ₹30.48 on 8 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

capital adequacy (CRAR) %

19.36pct

2026-06-30

CASA ratio %

41.05pct

2026-06-30

cost-to-income %

53.95pct

2026-06-30

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

gross NPA %

1.33pct

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

net NPA %

0.18pct

2026-06-30

net interest margin %

3.37pct

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

provision coverage %

97.67pct

2026-06-30

FY revenue / permanent employees + workers, same basis (calc)

1,51,63,868inr

2026-03-31

return on assets %

1.23pct

2026-03-31

tier 1 capital ratio % = CET1 + AT1 (bank, standalone)

16.88pct

2026-06-30

News

News and filings about Indian Overseas Bank. Open one to see why it matters.

No recent news for this company.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Sells products of

Buys from

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Public Sector Bank
Classification
Financial Services › Public Sector Bank
ISIN
INE565A01014

Business segments

  • Retail Banking · 45%
  • Corporate/Wholesale Banking · 29%
  • Treasury Operations · 24%
  • Other Banking Operations · 2%

News impact

Big market events that reach Indian Overseas Bank, and how the effect spreads.

Who it hits first

  • Likely OFS candidates: IOB (govt 92.44%), UCO (90.95%), CENTRALBK (81.19%), PSB (93.85%) — immediate -2 to -5% on OFS day
  • PSU bank index pressure broadly

Who may gain

  • SBIN, BANKBARODA (already below 75% govt stake) — capital rotation tailwind
  • Private banks (HDFCBANK, ICICIBANK) — sector rotation from PSU OFS pressure

Along the supply chain

Downstream

Govt fiscal receipt of Rs 13,000 cr supports FY27 disinvestment target; modest positive for fiscal-deficit narrative

Upstream

OFS does not have a direct supply-chain link — purely capital-flow event affecting equity float of named PSU banks

Where demand moves

Business

OFS supply creates immediate selling pressure on named PSU banks; absorbed largely by domestic mutual funds and LIC

Capital

Capital rotates from OFS-affected PSU banks into stronger PSUs (SBIN, BANKBARODA) and private banks; modest pressure on overall bank-nifty for 1-2 days around OFS announcement

How it spreads across sectors

Financial Services

PSU bank cluster faces supply pressure; private banks/large PSU banks rotation beneficiaries

Government Disinvestment / Capital Markets

Boost to FY27 disinvestment receipts

When it plays out

Immediate

Sentiment negative for likely-OFS candidates (IOB, UCO, CENTRALBK, PSB); SBIN/BANKBARODA modest rotation tailwind

Medium term

Compliance achieved; sector overhang clears; rerating possible on absorbed-supply names

Short term

OFS launch dates over 4-8 weeks; each OFS window sees -3 to -5% intra-window then recovers 1-2% post-event

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

19 Jun 2014final₹0.5
10 Feb 2014interim₹0.7
20 Jun 2013final₹2
21 Jun 2012unspecified₹4.5
4 Jul 2011unspecified₹5
26 May 2010unspecified₹3.5

Splits, bonuses & buybacks

  • daily-prices repair: 9 rows from NSE's archive (replace 1, delete 1, insert 7), 2016-10-30..2026-02-01 (docs/flat_day_repair.md)1× · 30 Oct 2016

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.