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Banking And Finance | Mid Cap
Health Score : 6.01Indian Overseas Bank shows a mixed financial performance. The bank demonstrates strong liquidity and growth, particularly in revenue, EPS, assets and net income. Profitability metrics like ROCE and net margin are also strong, however, solvency ratios indicate high debt levels. The bank's efficiency is varied, with good fixed asset turnover but poor capital and inventory management. Coverage ratios and several financial metrics such as adjusted EPS, book value per share, and capital expenditures raise some concerns and the negative gross and operating profit margins also indicate areas needing improvement. Overall, Indian Overseas Bank exhibits potential with high growth and profitability in some areas, but needs to address its debt and improve efficiency and coverage to achieve long-term financial stability.
Health Score : 6.01Indian Overseas Bank shows a mixed financial performance. The bank demonstrates strong liquidity and growth, particularly in revenue, EPS, assets and net income. Profitability metrics like ROCE and net margin are also strong, however, solvency ratios indicate high debt levels. The bank's efficiency is varied, with good fixed asset turnover but poor capital and inventory management. Coverage ratios and several financial metrics such as adjusted EPS, book value per share, and capital expenditures raise some concerns and the negative gross and operating profit margins also indicate areas needing improvement. Overall, Indian Overseas Bank exhibits potential with high growth and profitability in some areas, but needs to address its debt and improve efficiency and coverage to achieve long-term financial stability.
Overall Valuation Score
Markets Depth NSE
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Sell Orders
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0
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Markets Today NSE
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0.00
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0.00
Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
12.49
Industry Median
12.00
Mid Cap Median
16.00
P/E RATIO
12.00
P/B RATIO
1.76
Industry Median
1.22
Mid Cap Median
1.49
P/S RATIO
2.07
Industry Median
1.65
Mid Cap Median
2.02
Others
PEG RATIO
0.00
EV/EBITDA RATIO
3.94
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹33.73 as on Aug 13, 2026.
Growth Score : 8.80The company shows robust growth across several metrics. There is strong growth in revenue, earnings per share (EPS), assets, and net income. However, the Operating Profit Growth Rate is negative, which is a concern. Overall, the company's growth trajectory indicates strong potential, but operational challenges need to be addressed.
Revenue Growth RateExcellent
Operating Profit Growth RatePoorEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -1.41 | 15.96 | 24.01 | 16.95 | 13.33 |
| Operating Profit Growth Rate | -33.78 | -49.12 | 26.81 | -66.47 | -198.9 |
| Earnings Per Share (EPS) Growth | 95.65 | 23.33 | 27.03 | 24.82 | 59.66 |
| Asset Growth Rate | 9.04 | 4.82 | 12.26 | 12.17 | 19.78 |
| Net Income Growth Rate | 125.46 | 23.11 | 26.71 | 27.38 | 59.54 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Federal Bank Ltd | 7.18 | 19.99 | Neutral | N/A | 16.68 | 4491.00 |
| 2 | Bank of Maharashtra | 7.02 | 8.95 | Neutral | N/A | 9.13 | 7017.00 |
| 3 | Indian Bank | 6.89 | 10.32 | Undervalued | N/A | 90.24 | 11707.00 |
| 4 | IDBI Bank Ltd | 6.84 | 9.67 | Neutral | N/A | 8.85 | 9237.00 |
| 5 | IDFC First Bank Ltd | 6.56 | 46.28 | Neutral | N/A | 1.90 | 1611.00 |
| 6 | Indian Overseas Bank | 6.01 | 12.00 | Neutral | N/A | 2.70 | 5418.00 |
| 7 | IndusInd Bank Ltd | 5.52 | 89.81 | Neutral | N/A | 11.98 | 889.00 |
| 8 | Bank of India | 4.63 | 6.40 | Neutral | N/A | 23.12 | 10309.00 |
| 9 | Union Bank of India | 4.49 | 7.33 | Neutral | N/A | 24.49 | 19430.00 |
| 10 | Yes Bank Ltd | 4.49 | 20.52 | Neutral | N/A | 1.11 | 3512.00 |
| 11 | Central Bank of India | 3.99 | 6.27 | Neutral | N/A | 4.83 | 4531.00 |
| 12 | UCO Bank | 3.69 | 13.24 | Neutral | N/A | 2.21 | 2468.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Strong Bearish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Strong Bullish
Quarterly Report⬤29th Apr 26
Audited Standalone Financial Results for the Quarter and Year Ended March 31, 2026
UNDEFINED SENTIMENT
Concall Report⬤19th Jan 26
Q3 FY2026 Earnings Conference Call
BULLISH SENTIMENT
Concall Report⬤16th Oct 25
Investor Relations Conference Call
BULLISH SENTIMENT
Indian Overseas Bank (IOB) is a major public sector bank in India, offering a comprehensive suite of banking and financial services. It caters to retail, micro, small & medium enterprises (MSME), and corporate clients, playing a crucial role in India's financial ecosystem with a significant domestic branch network and limited international presence.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Indian Overseas Bank's P/E ratio (TTM) is 12.49, compared to the industry median of 12.00 and large cap median of 16.00.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Indian Overseas Bank's P/B ratio is 1.76, compared to the industry median of 1.22 and large cap median of 1.49.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Indian Overseas Bank's P/S ratio is 2.07, compared to the industry median of 1.65 and large cap median of 2.02.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Indian Overseas Bank's PEG ratio is 0.75.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Indian Overseas Bank's EV/EBITDA ratio is 3.94.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Indian Overseas Bank's ROE is 14.65%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Indian Overseas Bank's ROA is 0.13%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Indian Overseas Bank's ROCE is 69.18%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Indian Overseas Bank's operating margin is 1.98%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Indian Overseas Bank's net margin is 16.99%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Indian Overseas Bank's current ratio is 21.76.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Indian Overseas Bank's debt-to-equity ratio is 10.11.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Indian Overseas Bank's interest coverage ratio is 1.32.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Indian Overseas Bank's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Indian Overseas Bank's EPS is 59.66.
(Source line: "Ratios as of 13 Aug 2026, based on last traded price of ₹33.73. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Indian Overseas Bank was founded in 1937 by M. Ct. M. Chidambaram Chettyar with the objective of specializing in foreign exchange and overseas banking. The bank was nationalized by the Government of India in 1969, significantly expanding its reach. Over the decades, IOB has grown its branch network and diversified its offerings. After facing financial challenges, the bank has demonstrated a strong turnaround in recent years, returning to sustained profitability and focusing on asset quality improvement and digital transformation.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Retail Banking Operations | N/A (Primarily interest income) | N/A (Not a primary banking metric) |
| Wholesale Banking Operations | N/A (Primarily interest income) | N/A (Not a primary banking metric) |
| Treasury Operations | N/A (Primarily income from investments) | N/A (Not a primary banking metric) |
| Other Banking Operations | N/A (Ancillary services & non-fund income) | N/A (Not a primary banking metric) |
Shri Ajay Kumar Srivastava (MD & CEO): Appointed as MD & CEO of IOB in January 2023. He is a seasoned banker with over 30 years of experience across various banking functions including corporate credit, international banking, and treasury.
No major subsidiaries reported.
No major recent corporate actions on record.
References
The Indian Overseas Bank share price today is ₹33.73 on NSE (IOB), as of 13 Aug 2026.
As of 13 Aug 2026, Indian Overseas Bank share price is ₹33.73, with previous close ₹N/A. Today's range is ₹N/A to ₹N/A. The 52-week range is ₹N/A to ₹N/A.
As of today, Indian Overseas Bank's market cap is ₹65,887.17 crore (Large Cap).
Indian Overseas Bank's current P/E ratio is 12.49, compared to the BANKING AND FINANCE sector average of 20.10.
Indian Overseas Bank's current P/B ratio is 1.76.
Indian Overseas Bank's current dividend yield is N/A. Last dividend of ₹0.40 per share was declared on 21-Aug-2024.
Indian Overseas Bank's EPS (TTM) is ₹59.66.
Indian Overseas Bank (IOB) is a major public sector bank in India, offering a comprehensive suite of banking and financial services. It caters to retail, micro, small & medium enterprises (MSME), and corporate clients, playing a crucial role in India's financial ecosystem with a significant domestic branch network and limited international presence.
Indian Overseas Bank is promoted by Government of India, holding 92.44% as of 13 Aug 2026.
Indian Overseas Bank is listed on NSE (IOB) and BSE (532388). Its next quarterly results are expected on July/August 2024 (for Q1 FY25).
Fixed Asset Turnover Ratio