Indian Overseas Bank
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Indian Overseas Bank share price

Indian Overseas Bank

NSE: IOB BSE: 532388 SECTOR: Bank - Public  257k   774   182

37.78
-0.22 (-0.58%)
BSE: 29 May 04:01 PM

Price Summary

Today's High

₹ 38.54

Today's Low

₹ 37.66

52 Week High

₹ 74.84

52 Week Low

₹ 33.01

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 72751.4 Cr.

CASA %

43.9

No. of Shares

1925.66 Cr.

P/E

21.82

P/B

2.53

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  14.93

Net Interest Income

₹ 9829.41 Cr.

Cost To Income %

56.32

Promoter Holding

94.61 %

EPS (TTM)

₹  1.73

CAR %

17.28

ROE

11.13 %

ROCE

9.63%

Profit Growth

26.53 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year11.13%
3 Year10.24%
5 Year-5.01%

ROA%

1 Year0.8%
3 Year0.69%
5 Year-0.19%

Net NPA%

1 Year0.57%
3 Year1.68%
5 Year2.81%

 NIM

1 Year2.97%
3 Year2.68%
5 Year2.55%

CAR %

17.28

Cost of Liabilities %

4.4959

PEG Ratio

0.82

Advances Growth %

19.8066

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 94.61 0.00
Dec 2024 96.38 0.00
Sep 2024 96.38 0.00
Jun 2024 96.38 0.00
Mar 2024 96.38 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 43.8985% of total deposits.
  • Other Income is 23.519022314026% of total income.
  • Good Capital Adequacy Ratio of 17.28%.
  • The company has delivered good Profit growth of 47.2674209232252% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.692898581757814%
  • High Cost to income ratio of 56.3224%.
  • The company is trading 4.4956 times of its Book Value.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Interest Earned 6628.89 6535.03 6850.67 7111.72 7633.59
Other Income 2477.37 1032.97 1633.47 1297.53 1581.1
Interest Expended 3865.81 4093.96 4313.43 4322.78 4510.64
Operating Expenses 3279.34 1798.18 2042.49 1820.46 2086.13
Total Provisions 767.66 937.87 1146.33 1028.64 1063.46
Profit Before Tax 1193.45 737.99 981.89 1237.37 1554.46
Tax 385.35 105.18 204.73 363.71 503.39
Net Profit 808.1 632.81 777.16 873.66 1051.07
Net NPA % 0.57 0.51 0.47 0.42 0.37
Gross NPA % 3.1 2.89 2.72 2.55 2.14
Return on Assets % 0.94 0.7 0.82 0.93 1.12
NPM % 12.19 9.68 11.34 12.28 13.77

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 17406.11 16965.53 16729.87 19400.33 24049.73
Other Income 3359.68 5559.02 4903.02 4108.75 5656.26
Interest Expended 12103.28 11067.02 10418.73 11145.44 14220.32
Operating Expenses 5128.83 5561.72 5451.24 6421.46 8721.91
Total Provisions 11878.16 5056.1 3983.85 3593.92 3351.22
Profit Before Tax -8344.48 839.71 1779.06 2348.25 3412.54
Taxes 182.92 8.24 69.52 249.46 756.92
Net Profit -8527.4 831.47 1709.54 2098.79 2655.62
Adjusted EPS (Rs.) -5.19 0.51 0.9 1.11 1.4

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 16436.99 16436.99 18902.41 18902.41 18902.41
Total Reserves -282.01 507.82 4097.98 6360.53 9039.89
Deposits 222951.88 240288.3 262158.92 260883.29 285905.38
Borrowings 5419.73 3671.58 3070.64 20803.77 30387.17
Other Liabilities 16200.24 13105.67 11147.21 6783.98 7798.77
Total Liabilities 260726.83 274010.35 299377.17 313733.99 352033.62
Assets
Balance with RBI 3155.22 12188.25 22748.99 17148.09 16904.56
Balance with Banks 20905.43 18588.08 14024.2 3458.73 1649.86
Investments 79416.08 95494.22 98179.31 94170.41 99632.08
Advances 121333.41 127720.65 144243.52 178052.57 213318.81
Net Block 3123.86 2917.66 3364.79 3709.89 3725.28
Other Assets 32789.35 17100.36 16816.24 17194.2 16788.55
Total Assets 260726.83 274010.35 299377.17 313733.99 352033.62
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
promoters 96.38 96.38 96.38 96.38 94.61
president of india 96.38 96.38 96.38 96.38 94.61
PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 3.62 3.62 3.62 3.62 5.39
life insurance corporatio... 1.21 1.21 1.21 1.21 1.82

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Indian Overseas Bank Stock Price Analysis and Quick Research Report. Is Indian Overseas Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Indian Overseas Bank is performing and if it is the right time to buy the stock of Indian Overseas Bank with detailed analysis. Indian Overseas Bank stock price today is Rs 37.77.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Indian Overseas Bank has earned Rs 24049.7344 Cr. revenue in the latest financial year. Indian Overseas Bank has posted decent revenue growth of 12.3346555211451 % in last 3 Years.

  • In terms of advances, Indian Overseas Bank reported 19.8066 % YOY,  rise . If you see 3 years advance growth, it stands at 18.6467939740258 %.

  • Currently, Indian Overseas Bank has a CASA ratio of 43.8985 %. It’s overall cost of liability stands at 4.4959 %. Also, the total deposits from these accounts stood at Rs 285905.3782 Cr.

  • Indian Overseas Bank has a average ROA track record. The ROA of Indian Overseas Bank is at 0.7978 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of Indian Overseas Bank stood at 3.1 % and 0.57 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -6.75297871764392 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Indian Overseas Bank surged and is currently at Rs 5656.2624 Cr.

  • Indian Overseas Bank has a Good Capital Adequacy Ratio of 17.28 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Indian Overseas Bank is trading at a P/B of 2.5341 . The historical average PB was 2.14343041145351.

  • Share Price: - The current share price of Indian Overseas Bank is Rs 37.77. One can use valuation calculators of ticker to know if Indian Overseas Bank share price is undervalued or overvalued.

Last Updated on:
Brief about Indian Overseas Bank

Indian Overseas Bank Financials: Check Share Price, Balance Sheet, Annual Report and Quarterly Results for Company Analysis

Indian Overseas Bank (IOB) is a public sector bank located in Chennai, India. With over 3,400 branches and a presence in over 25 countries, IOB is one of the leading banking institutions in India. In this article, we will provide an in-depth analysis of various aspects of Indian Overseas Bank's stock, designed specifically for long-term stock investors seeking valuable insights to aid in informed investment decisions.

Indian Overseas Bank Share Price:

The share price is a key performance indicator for long-term stock investors, indicating the market's confidence in the company's future prospects. By utilizing our pre-built screening tools, investors can analyze and monitor IOB's share price trends and patterns. With these tools, investors can gain a deeper understanding of the market potential and sentiments surrounding IOB's stock. Whether the share price is on an upward trend or experiencing fluctuations, our tools provide valuable insights to inform your investment decisions.

Indian Overseas Bank Balance Sheet:

IOB's balance sheet serves as a crucial source of information for evaluating the company's financial health and performance. It presents an overview of the company's assets, liabilities, and shareholder equity. Long-term stock investors can utilize our pre-built screening tools to analyze IOB's balance sheet thoroughly. By doing so, investors can gain insights into the company's asset base, its ability to manage liabilities, and its overall financial stability. This information is crucial in making informed investment decisions.

Indian Overseas Bank Annual Report:

IOB's annual report is a valuable resource for long-term stock investors seeking a detailed understanding of the company's operations, financial performance, and future plans. Our website provides downloadable copies of IOB's annual report, enabling investors to gain comprehensive insights into the company's strategies and growth prospects. These reports include a CEO letter, financial statements, and management discussions. By carefully reviewing the annual reports, investors can assess IOB's performance and make informed investment decisions.

Indian Overseas Bank Dividend:

IOB has a history of paying dividends to its shareholders. For long-term stock investors, the dividend track record is an important consideration when evaluating an investment. Regular dividend payments indicate a company's commitment to shareholders and can offer a steady income stream. By closely monitoring IOB's dividend history and its future dividend plans, investors can evaluate the company's profitability, financial stability, and long-term growth prospects. Our tools provide insights into IOB's dividend policies and assist in making informed investment decisions.

Indian Overseas Bank Quarterly Results:

IOB regularly releases quarterly reports, providing investors with insights into the company's financial performance on a periodic basis. By analyzing IOB's quarterly results, long-term stock investors can gain a deeper understanding of the company's revenue, earnings, and expenses. Our pre-built screening tools enable investors to analyze and observe any significant trends or patterns in IOB's quarterly results. By leveraging this analysis, investors can enhance their decision-making process and gain insights into the company's performance.

Indian Overseas Bank Stock Price:

IOB's stock price is influenced by various factors, including the company's financial performance, market sentiment, and prevailing economic conditions. Our website provides tools for monitoring IOB's stock price and staying informed about trends in the stock market. By analyzing IOB's stock price using our pre-built screening tools, long-term investors can identify potential buying opportunities and assess the company's market potential. Our tools provide valuable insights into IOB's stock price movements, empowering investors to make informed investment decisions.

Indian Overseas Bank Price Chart:

A visual representation of IOB's stock price over time, the price chart captures historical stock price movements. By analyzing IOB's price chart, long-term stock investors can identify trends and patterns that may influence their investment decisions. Our pre-built screening tools enable investors to scrutinize the price chart, assisting in the identification of key trends. The price chart of IOB's stock reveals important information, reflecting the company's growth potential and investors' sentiment.

Indian Overseas Bank News:

To make informed investment decisions, long-term stock investors need to stay updated with the latest news about IOB. Our website offers a comprehensive collection of news articles from various sources, including financial news websites and social media platforms. By staying up-to-date with the latest news, investors can gain valuable insights into IOB's operations, strategic initiatives, and potential market trends. Our tools provide access to the latest news on IOB, facilitating informed investment decisions.

Indian Overseas Bank Concall:

IOB regularly holds conference calls with analysts and investors, known as concalls. These calls provide a platform for discussing the company's financial performance and future plans. Investors can access information about upcoming concalls on our website and utilize insights gained from previous calls. Listening to IOB's concalls offers a unique opportunity for long-term stock investors to gain a deeper understanding of the company's operations and assess its financial performance. Our tools enable investors to stay informed about concall events.

Indian Overseas Bank Transcripts:

Our website offers downloadable transcripts of IOB's concalls, providing detailed records of the discussions held during these calls. Transcripts offer valuable insights into IOB's operations, financial performance, and market outlook. By reviewing these transcripts, long-term stock investors can perform a comprehensive analysis of the company's financial health, growth prospects, and management strategies. Our tools provide access to IOB's concall transcripts, enhancing investors' understanding of the company.

Indian Overseas Bank Investor Presentations:

IOB provides investor presentations on its website, offering detailed information about the company's financial performance, strategic initiatives, and future plans. Investors can access these presentations through our website, gaining deeper insights into IOB's operations, growth potential, and market outlook. Investor presentations serve as a valuable resource for long-term stock investors looking to evaluate the company's long-term viability and investment potential.

Indian Overseas Bank Promoters:

Analyzing IOB's promoters' holdings is crucial for long-term stock investors. Our pre-built screening tools enable investors to analyze the company's promoter holdings, providing insights into potential conflicts of interest and the company's ownership structure. Understanding the significance of promoters' holdings helps investors assess the strength, growth prospects, and long-term viability of IOB.

Indian Overseas Bank hareholders:

The composition of IOB's shareholder base, consisting of both institutional and individual investors, is an important consideration for long-term stock investors. By analyzing the shareholder base using our pre-built screening tools, investors can gain insights into potential risks or opportunities. Understanding the composition of the shareholder base provides valuable information about the company's strength, growth prospects, and recognition in the market.

Indian Overseas Bank Premium Features:

To provide an enhanced analysis, our website offers premium features such as the DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis. These tools offer detailed insights into IOB's financial performance, valuation, and profitability. By utilizing these premium features, long-term stock investors can make more informed investment decisions and gain a deeper understanding of the company's fundamentals.

Indian Overseas Bank ROCE

The Return on Capital Employed (ROCE) for Indian Overseas Bank measures the efficiency and profitability of the company's capital investments. This ratio indicates how well the company is utilizing its capital to generate profits. You can find the ROCE data for Indian Overseas Bank in the financials table or ratio section above.

Indian Overseas Bank EBITDA

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is a key financial metric for Indian Overseas Bank, reflecting its operational performance. This figure provides insights into the company's earnings potential before accounting for non-operational expenses. To access Indian Overseas Bank's EBITDA data, refer to the financials table or ratio section above.

Indian Overseas Bank DPS

Dividends Per Share (DPS) of Indian Overseas Bank signifies the amount of dividend paid out to shareholders per outstanding share. This metric is important for investors looking for income from their investments. For detailed DPS information for Indian Overseas Bank, check the financials table or ratio section above.

Indian Overseas Bank EPS

Earnings Per Share (EPS) is a crucial indicator of Indian Overseas Bank's profitability on a per-share basis. It reveals the company's ability to generate earnings for each outstanding share. The EPS data for Indian Overseas Bank can be found in the financials table or ratio section above.

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