Indian Overseas Bank

•

iob.inBSE: 532388NSE: IOB

Market Cap₹ 63,797 Cr.

Current Price

High / Low₹ 42 / 31

Stock P/E10.7

Book Value₹ 18

Price to Book1.80

Dividend Yield0.00 %

ROCE11.3 %

ROE17.4 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Other Retail Banking-Retail Banking: 44.8% • Corporate / Wholesale Banking: 29.4% • Treasury: 24.2%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 48.2% CAGR over last 5 years
Comfortable capital adequacy - CAR of 16.9%
Asset quality is healthy - gross NPA of just 1.4%
Company has consistently been profitable over the last 5 years
Strong provisioning - provision coverage ratio of 97.7%
Latest quarter profit grew 49.3% YoY, showing strong momentum

CONS

A large part of profit comes from other income (90.3% of PBT)
Promoter holding has decreased over last 2 years: -3.9pp
Though reporting repeated profits, the company pays out little dividend (0.0%)
Growth is decelerating - 3Y profit CAGR (37.1%) trails the 5Y trend (48.2%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesBankBank - Public

Part ofNIFTY TOTAL MKT NIFTY PSU BANK NIFTY 500 NIFTY SMLCAP 250

S.No.	Name
1.	SBIN	997.00	10.68	920292.57	1.74	24579.04	13.65	136240.49	8.36	12.16	52.34
2.	UNIONBANK	178.00	6.58	135878.18	2.81	5368.17	29.77	27427.10	1.21	14.57	69.42
3.	PNB	116.65	6.07	134065.18	2.57	5339.15	191.40	33589.17	3.12	13.26	75.40
4.	BANKBARODA	237.80	6.77	122974.99	3.57	1572.59	-53.08	35114.52	6.84	11.20	33.10
5.	INDIANB	852.90	8.99	114882.56	2.14	3299.48	48.73	18095.14	11.11	16.28	67.14
6.	CANBK	123.90	5.66	112385.37	3.39	4864.08	61.96	32957.16	4.55	14.46	68.47
7.	MAHABANK	84.17	8.59	64739.82	2.61	2020.54	26.83	8034.65	13.90	16.53	68.61
8.	IOB	33.13	10.71	63797.08	0.00	1659.24	49.25	8777.57	18.82	11.31	54.56
9.	BANKINDIA	139.80	5.40	63646.30	3.33	3138.46	77.92	20096.90	8.83	10.97	73.18
10.	UCOBANK	23.98	12.18	30069.86	1.83	652.43	24.09	6744.59	15.10	11.00	54.71
11.	CENTRALBK	30.75	6.10	27833.06	3.90	1328.95	5.43	9725.90	12.79	8.27	67.83
12.	PSB	22.78	11.68	16163.74	1.71	331.51	23.16	3213.37	10.40	9.07	71.38

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	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
	5,427	5,825	6,180	6,634	6,539	6,854	7,116	7,635	7,387	7,851	8,172	8,489	8,778
Interest Expended	3,102	3,477	3,780	3,868	4,096	4,315	4,324	4,510	4,639	4,790	4,874	5,019	5,090
Net Interest Income	2,325	2,348	2,400	2,766	2,443	2,539	2,792	3,124	2,748	3,061	3,299	3,470	3,688
	807	1,117	1,263	2,479	1,033	1,634	1,298	1,581	1,480	1,365	1,499	1,291	2,160
Total Income	0	0	0	0	7,587	8,490	8,415	9,258	8,868	9,216	9,672	9,780	10,938
Operating Expenses	0	0	0	0	18,002	20,447	18,238	20,876	18,700	20,252	21,946	20,956	3,155
Operating Profit	0	0	0	0	16,917	21,307	22,676	26,596	23,586	24,015	26,031	26,650	2,693
Provisions & Contingencies	0	0	0	0	9,379	11,463	10,286	10,642	8,440	6,725	12,356	10,060	834
Profit before Tax	511	636	1,080	1,196	739	982	1,238	1,554	1,515	1,729	1,367	1,659	1,859
Tax %	1.38%	1.31%	32.97%	32.24%	14.24%	20.85%	29.39%	32.40%	26.60%	28.98%	0.17%	9.26%	10.75%
Net Profit	0	0	0	0	649	780	875	1,092	1,112	1,228	1,365	1,505	1,659
EPS	0	0	0	0	0	0	0	1	1	1	1	1	0

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	24,066	28,144	31,896	—
Interest Expended	11,069	10,419	11,146	14,227	17,244	19,322	19,773
Net Interest Income	-11,069	-10,419	-11,146	9,839	10,899	12,574	—
	5,486	4,905	4,116	5,665	5,607	5,847	6,316
Total Income	0	0	0	29,731	33,750	37,743	39,606
	0	0	0	8,731	7,756	8,184	—
Operating Profit	-11,069	-10,419	-11,146	6,774	8,750	10,237	—
	4,656	3,842	2,384	3,351	4,177	3,758	—
Profit before Tax	767	1,779	2,582	3,423	4,573	6,478	6,615
Tax %	0.00%	0.00%	0.00%	22.12%	25.74%	16.36%	12.96%
Net Profit	758	1,709	2,104	2,666	3,396	5,418	5,758
EPS	1	1	1	1	2	3	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: 13%
3 Years:: 18%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 48%
3 Years:: 37%

STOCK PRICE CAGR

10 Years:: 2%
5 Years:: 11%
3 Years:: 1%
1 Year:: -16%

RETURN ON EQUITY

10 Years:: —
5 Years:: 12%
3 Years:: 14%
Last Year:: 17%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-
Equity Capital	16,437	18,902	18,902	18,902	19,257	19,257
	452	3,695	5,974	8,659	12,977	17,734
	2,40,353	2,62,214	2,60,974	2,86,121	3,11,204	3,68,191
	3,672	3,071	20,804	30,387	42,228	51,603
Other Liabilities & Provisions	13,106	11,148	6,785	7,799	9,045	16,011
Total Liabilities	2,74,229	2,99,030	3,13,438	35	39	47
ASSETS	-	-	-	-	-	-
	12,189	22,750	17,150	16,906	18,116	16,606
Balances with Banks & Money at Call	18,793	14,202	3,671	1,909	3,104	8,617
	95,485	97,641	93,643	99,194	1,10,588	1,19,285
	1,27,741	1,44,254	1,78,068	2,13,330	2,45,555	3,06,622
	2,918	3,366	3,711	3,726	4,581	5,007
	17,102	16,818	17,197	16,790	12,692	16,591
Total Assets	2,74,229	2,99,030	3,13,438	35	39	47

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	4,949	5,539	-13,655	-1,119	2,647	4,780
Cash from Investing	-46	-49	-560	-359	-579	-639
Cash from Financing	1,813	479	-1,916	-528	337	-138
	6,716	5,969	-16,130	-2,006	2,405	4,003

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	0.46	0.90	1.11	1.41	1.76	2.81
Book Value (₹)	8.92	10.50	11.70	13.14	14.99	17.43
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	0.00
PROFITABILITY
Net Interest Margin %	0.00%	0.00%	0.00%	2.97%	2.89%	2.79%
ROA %	0.48%	0.60%	0.69%	0.80%	0.91%	1.25%
ROE %	9.36%	9.90%	10.03%	11.35%	12.65%	17.36%
	0.00%	0.00%	0.00%	56.31%	46.99%	44.43%
ASSET QUALITY
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	97.30%	97.50%
Slippage Ratio %	—	—	—	—	—	—
BALANCE SHEET & LIQUIDITY
CASA %	0.00%	0.00%	0.00%	43.87%	43.52%	40.99%
Credit-Deposit Ratio %	0.00%	0.00%	0.00%	0.11%	0.14%	0.14%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
GROWTH & VALUATION
Net Profit Growth %	81.87%	125.39%	23.09%	26.70%	27.38%	59.58%
Book Value Growth %	0.00%	0.00%	0.00%	12.28%	14.05%	16.27%
P/E (x)	0.00x	0.00x	0.00x	42.53x	22.10x	11.16x
P/B (x)	0.00x	0.00x	0.00x	4.56x	2.60x	1.80x
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	96.38	96.38	96.38	94.61	94.61	94.61	92.44	92.44	92.44
	0.05	0.04	0.02	0.22	0.08	0.31	0.35	0.43	0.47
	1.30	1.30	1.30	2.59	2.37	2.30	4.26	4.28	4.29
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	2.27	2.29	2.29	2.59	2.94	2.78	2.94	2.85	2.80

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-08-13

General Updates

2026-08-13 - Indian Overseas Bank has informed the Exchange about General Updates - Changes in MCLR w.e.f 15.08.2026

2026-07-31

Credit Rating

2026-07-31 - Indian Overseas Bank has informed the Exchange about Credit Rating

2026-07-24

Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-24 - Indian Overseas Bank has informed the Exchange about Transcript of Analyst Meet held on 20.07.2026

2026-07-21

Copy of Newspaper Publication

2026-07-21 - Indian Overseas Bank has informed the Exchange about Copy of Newspaper Publication of financial results for the quarter ended 30.06.2026

2026-07-21

Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-21 - Indian Overseas Bank has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-20

Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-20 - Indian Overseas Bank has informed the Exchange about Link of Recording

2026-07-20

Investor Presentation

2026-07-20 - Indian Overseas Bank has informed the Exchange about Investor Presentation

2026-07-20

Updates

2026-07-20 - Indian Overseas Bank has informed the Exchange regarding 'Security Cover Certificate' for the quarter ended 30.06.2026.

2026-07-20

Press Release

2026-07-20 - Indian Overseas Bank has informed the Exchange regarding a press release dated July 20, 2026, titled "Press Release on Financial Results for the quarter ended 30.06.2026".

News

Recent coverage and analyst commentary for IOB

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Indian Overseas Bank

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Free 5nance Account

Name

SBIN

997.00

10.68

920292.57

1.74

24579.04

13.65

136240.49

8.36

12.16

52.34

UNIONBANK

178.00

6.58

135878.18

2.81

5368.17

29.77

27427.10

1.21

14.57

69.42

PNB

116.65

6.07

134065.18

2.57

5339.15

191.40

33589.17

3.12

13.26

75.40

BANKBARODA

237.80

6.77

122974.99

3.57

1572.59

-53.08

35114.52

6.84

11.20

33.10

INDIANB

852.90

8.99

114882.56

2.14

3299.48

48.73

18095.14

11.11

16.28

67.14

CANBK

123.90

5.66

112385.37

3.39

4864.08

61.96

32957.16

4.55

14.46

68.47

MAHABANK

84.17

8.59

64739.82

2.61

2020.54

26.83

8034.65

13.90

16.53

68.61

IOB

33.13

10.71

63797.08

0.00

1659.24

49.25

8777.57

18.82

11.31

54.56

BANKINDIA

139.80

5.40

63646.30

3.33

3138.46

77.92

20096.90

8.83

10.97

73.18

UCOBANK

23.98

12.18

30069.86

1.83

652.43

24.09

6744.59

15.10

11.00

54.71

CENTRALBK

30.75

6.10

27833.06

3.90

1328.95

5.43

9725.90

12.79

8.27

67.83

PSB

22.78

11.68

16163.74

1.71

331.51

23.16

3213.37

10.40

9.07

71.38

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

5,427

5,825

6,180

6,634

6,539

6,854

7,116

7,635

7,387

7,851

8,172

8,489

8,778

Interest Expended

3,102

3,477

3,780

3,868

4,096

4,315

4,324

4,510

4,639

4,790

4,874

5,019

5,090

Net Interest Income

2,325

2,348

2,400

2,766

2,443

2,539

2,792

3,124

2,748

3,061

3,299

3,470

3,688

807

1,117

1,263

2,479

1,033

1,634

1,298

1,581

1,480

1,365

1,499

1,291

2,160

Total Income

7,587

8,490

8,415

9,258

8,868

9,216

9,672

9,780

10,938

Operating Expenses

18,002

20,447

18,238

20,876

18,700

20,252

21,946

20,956

3,155

Operating Profit

16,917

21,307

22,676

26,596

23,586

24,015

26,031

26,650

2,693

Provisions & Contingencies

9,379

11,463

10,286

10,642

8,440

6,725

12,356

10,060

834

Profit before Tax

511

636

1,080

1,196

739

982

1,238

1,554

1,515

1,729

1,367

1,659

1,859

Tax %

1.38%

1.31%

32.97%

32.24%

14.24%

20.85%

29.39%

32.40%

26.60%

28.98%

0.17%

9.26%

10.75%

Net Profit

649

780

875

1,092

1,112

1,228

1,365

1,505

1,659

EPS

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

24,066

28,144

31,896

—

Interest Expended

11,069

10,419

11,146

14,227

17,244

19,322

19,773

Net Interest Income

-11,069

-10,419

-11,146

9,839

10,899

12,574

—

5,486

4,905

4,116

5,665

5,607

5,847

6,316

Total Income

29,731

33,750

37,743

39,606

8,731

7,756

8,184

—

Operating Profit

-11,069

-10,419

-11,146

6,774

8,750

10,237

—

4,656

3,842

2,384

3,351

4,177

3,758

—

Profit before Tax

767

1,779

2,582

3,423

4,573

6,478

6,615

Tax %

0.00%

22.12%

25.74%

16.36%

12.96%

Net Profit

758

1,709

2,104

2,666

3,396

5,418

5,758

EPS

—

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

LIABILITIES

Equity Capital

16,437

18,902

19,257

452

3,695

5,974

8,659

12,977

17,734

2,40,353

2,62,214

2,60,974

2,86,121

3,11,204

3,68,191

3,672

3,071

20,804

30,387

42,228

51,603

Other Liabilities & Provisions

13,106

11,148

6,785

7,799

9,045

16,011

Total Liabilities

2,74,229

2,99,030

3,13,438

ASSETS

12,189

22,750

17,150

16,906

18,116

16,606

Balances with Banks & Money at Call

18,793

14,202

3,671

1,909

3,104

8,617

95,485

97,641

93,643

99,194

1,10,588

1,19,285

1,27,741

1,44,254

1,78,068

2,13,330

2,45,555

3,06,622

2,918

3,366

3,711

3,726

4,581

5,007

17,102

16,818

17,197

16,790

12,692

16,591

Total Assets

2,74,229

2,99,030

3,13,438

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

4,949

5,539

-13,655

-1,119

2,647

4,780

Cash from Investing

-46

-49

-560

-359

-579

-639

Cash from Financing

1,813

479

-1,916

-528

337

-138

6,716

5,969

-16,130

-2,006

2,405

4,003

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

PER SHARE

EPS (₹)

0.46

0.90

1.11

1.41

1.76

2.81

Book Value (₹)

8.92

10.50

11.70

13.14

14.99

17.43

Dividend per Share (₹)

0.00

PROFITABILITY

Net Interest Margin %

0.00%

2.97%

2.89%

2.79%

ROA %

0.48%

0.60%

0.69%

0.80%

0.91%

1.25%

ROE %

9.36%

9.90%

10.03%

11.35%

12.65%

17.36%

0.00%

56.31%

46.99%

44.43%

ASSET QUALITY

Gross NPA %

0.00%

Net NPA %

0.00%

Provision Coverage %

0.00%

97.30%

97.50%

Slippage Ratio %

—

BALANCE SHEET & LIQUIDITY

CASA %

0.00%

43.87%

43.52%

40.99%

Credit-Deposit Ratio %

0.00%

0.11%

0.14%

0.00%

GROWTH & VALUATION

Net Profit Growth %

81.87%

125.39%

23.09%

26.70%

27.38%

59.58%

Book Value Growth %

0.00%

12.28%

14.05%

16.27%

P/E (x)

0.00x

42.53x

22.10x

11.16x

P/B (x)

0.00x

4.56x

2.60x

1.80x

0.00%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

96.38

94.61

92.44

0.05

0.04

0.02

0.22

0.08

0.31

0.35

0.43

0.47

1.30

2.59

2.37

2.30

4.26

4.28

4.29

Government

0.00

2.27

2.29

2.59

2.94

2.78

2.94

2.85

2.80

Indian Overseas Bank

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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Indian Overseas Bank

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI