Indian Overseas Bank (IOB) Stock Analysis: Valuation, Latest Results, Financial Ratios & DeciZen Rating

BSE: 532388 | NSE: IOB | Bank - Public | Mid Cap

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Indian Overseas Bank Share Price

 ₹37.62 -0.19 -0.50%
as on 05-Dec'25 14:30

Indian Overseas Bank (IOB) Stock Analysis: Valuation, Latest Results, Financial Ratios & DeciZen Rating

BSE: 532388 | NSE: IOB | Bank - Public | Mid Cap

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Indian Overseas Bank stock performance -

Key Ratios
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P/E Ratio (SA):
17.08
Market Cap:
72,809.2 Cr.
52-wk low:
33
52-wk high:
59.9

Is Indian Overseas Bank an attractive stock to invest in?


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10 Year X-Ray of Indian Overseas Bank: Login to view analysis.

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Indian Overseas Bank has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Net Interest Income (₹ Cr.)5,3835,1905,4685,2795,3035,8996,3118,2559,82910,89011,717
YoY Gr. Rt. %--3.6%5.4%-3.5%0.5%11.2%7%30.8%19.1%10.8%-
Total Income26,04623,09121,66221,83820,76622,52521,63323,50929,70633,67635,705
YoY Gr. Rt. %--11.3%-6.2%0.8%-4.9%8.5%-4%8.7%26.4%13.4%-
Adj EPS (₹ ) -16-13.9-12.9-4.1-5.20.50.91.11.41.72.2
YoY Gr. Rt. %-NANANANANA76.5%23.3%26.1%23.6%-
BVPS (₹ )73.347.222.815.28.4910.711.913.315.216.3
YoY Gr. Rt. %--35.7%-51.6%-33.5%-44.6%6.5%19.5%11.2%12%13.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)-1-1.3-2.5-1.5-3.30.30.60.70.80.90.9
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)11.91415.310.85.43.62.71.80.60.40.3
To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)-----------

CAGR ⓘ

CAGR Colour Code Guide ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income8.1%15.5%19.9%10.8%
Total Income2.9%10.2%15.9%13.4%
Adj EPSNANA24.3%23.6%
BVPS-16.1%12.5%12.3%13.6%
Share Price 1.8% 27.8% 19% -35%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Interest Earned / Total Income90.2985.3982.780.7483.8275.3277.3482.5280.9683.5384
Margins To view Margins Colour Rating Guide click here ⓘ
NIM (%)2.12.22.42.32.42.32.32.832.92.7
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)-21.3-27.5-55.4-29.9-61.65.89.89.811.112.312.3
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)28.736.136.838.340.342.543.443.743.943.7-

Recent Performance Summary

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Latest Financials - Indian Overseas Bank

Standalone Consolidated
TTM EPS (₹) 2.2 2.3
TTM Sales (₹ Cr.) 29,980 29,989
BVPS (₹.) ⓘ 16.3 16
Reserves (₹ Cr.) ⓘ 12,206 11,602
P/BV ⓘ 2.31 2.36
PE ⓘ 17.08 16.53
From the Market
52 Week Low / High (₹) 33.01 / 59.90
All Time Low / High (₹) 6.17 / 228.90
Market Cap (₹ Cr.) 72,809
Equity (₹ Cr.) 19,256.6
Face Value (₹) 10
Industry PE ⓘ 9.6

Management X-Ray of Indian Overseas Bank:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Indian Overseas Bank - Standalone Basis

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Event Update

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Analyst's Notes

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Key Ratios of Indian Overseas Bank

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income 26,04623,09121,66221,83820,76622,52521,63323,50929,70633,676
Interest Income 23,51719,71917,91517,63117,40616,96616,73019,40024,05028,131
Other Income ⓘ 2,5283,3733,7464,2063,3605,5594,9034,1095,6565,545
Expenditure 28,94326,50827,96125,57529,29321,69319,92321,41027,05030,341
Interest Expense 18,13514,52912,44812,35212,10311,06710,41911,14514,22017,241
Operating Expenses 5,0254,9125,5854,4525,1295,5625,4516,4218,7227,747
Provisions5,7837,0679,9298,77212,0615,0644,0533,8434,1085,353
Profit Before Tax-3,728-3,381-8,632-5,961-8,3448401,7792,3483,4134,512
Taxes -83136-2,332-2,2231838702497571,177
Profit After Tax -2,897-3,417-6,299-3,738-8,5278311,7102,0992,6563,335
Adjusted EPS (₹)-16.03-13.92-12.88-4.09-5.190.510.901.111.401.73
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Share Capital ⓘ 1,8072,4554,8919,14216,43716,43718,90218,90218,90219,257
Total Reserves ⓘ 13,85911,2908,3837,218-2825084,0986,3619,04013,284
Minority Interest0000000000
Deposits2,24,5142,11,3432,16,8322,22,5342,22,9522,40,2882,62,1592,60,8832,85,9053,11,939
Borrowings ⓘ 27,18316,0989,2286,1465,4203,6723,07120,80430,38742,228
Other Liabilities 7,0735,9838,6344,96816,20013,10611,1476,7847,7998,308
Total Liabilities ⓘ 2,74,4372,47,1672,47,9682,50,0082,60,7272,74,0102,99,3773,13,7343,52,0343,95,015

Assets

Balance with RBI 14,03311,50011,57910,2933,15512,18822,74917,14816,90518,116
Balance with Banks8,21311,72314,96620,59920,90518,58814,0243,4591,6502,955
Investments ⓘ 79,19071,65468,64666,93279,41695,49498,17994,17099,6321,11,045
Advances 1,60,8611,40,4591,32,4891,32,5981,21,3331,27,7211,44,2441,78,0532,13,3192,45,555
Net Block ⓘ 3,2183,0022,8383,3213,1242,9183,3653,7103,7254,581
Other Assets8,8708,77717,39516,25032,78917,10016,81617,19416,78912,690
Total Assets ⓘ 2,74,4372,47,1672,47,9682,50,0082,60,7272,74,0102,99,3773,13,7343,52,0343,95,015

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ -3,091-505-1,999-786-14,0234,9495,566-15,595-1,1652,963
Cash Flow From Investing Activity ⓘ -254-135-110-647-85-46-48-559-359-565
Cash Flow From Financing Activity ⓘ 6921,6175,4305,7807,2771,813479-12-528118
Net Cash Flow ⓘ -2,6529773,3224,347-6,8316,7165,997-16,166-2,0522,516

Finance Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)-16-14-13-4-511112
DPS (₹)0000000000
BVPS (₹)734723158911121315

Margin Ratios

Yield on Advances (%)14.614.013.513.314.413.311.610.911.311.5
Yield on Investments (%)8.88.27.98.57.37.96.76.56.26.8
Cost of Liabilities (%)7.26.45.55.45.34.53.94.04.54.9
NIM (%)2.12.22.42.32.42.32.32.83.02.9
Interest Spread (%)7.47.78.07.99.18.87.76.96.86.6

Performance Ratios

ROA (%)-1.0-1.3-2.5-1.5-3.30.30.60.70.80.9
ROE (%)-21.3-27.5-55.4-29.9-61.65.89.89.811.112.3
ROCE (%)-4.8-5.2-29.3-22.9-35.45.78.58.29.610.1

Efficiency Ratios

Cost to Income Ratio (%)63.557.460.646.959.248.548.651.956.347.1
Operating Costs to Assets (%)1.82.02.31.82.02.01.82.12.52.0

Valuation Parameters

Price/Book(x)0.40.60.81.00.81.81.71.94.52.6

Indian Overseas Bank Stock News

Indian Overseas Bank FAQs

The current trading price of Indian Overseas Bank on 05-Dec-2025 14:30 is ₹37.62.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 04-Dec-2025 the market cap of Indian Overseas Bank stood at ₹72,809.2.
The latest P/E ratio of Indian Overseas Bank as of 04-Dec-2025 is 17.08.
The latest P/B ratio of Indian Overseas Bank as of 04-Dec-2025 is 2.31.
The 52-week high of Indian Overseas Bank is ₹59.90 and the 52-week low is ₹33.01.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Indian Overseas Bank is ₹29,980 ( Cr.) .

About Indian Overseas Bank

Indian Overseas Bank (IOB) was founded on February 10, 1937 by M. Ct. M. Chidambaram Chettyar, a pioneer in many fields. The Bank was founded by him with the main objective of specializing in foreign exchange business in banking to take the Bank across the globe. IOB was one of the major banks that were nationalized in 1969. 

Presently the Bank has its overseas presence in some countries. IOB maintains a global presence that complements its domestic strength. The Bank’s long-standing focus on responsible credit, inclusive access, and core sector support has been supplemented by early investments in technology and digital systems, enabling it to modernise while preserving the values that shaped its foundation. The Bank’s ability to adapt while staying true to its roots reflects its strong institutional foundation. IOB is among India's first banks to introduce digital banking and computerisation.

Business area of the Bank

IOB offers a comprehensive suite of financial products and services across retail, agriculture, MSME, and corporate banking. The Bank operates on a universal banking model, catering to credit and deposit needs through a broad portfolio that includes housing loans, jewel loans, business finance, agri-credit, and a growing bouquet of ESG-linked products. The Bank’s diversified income mix reflects the strength of its core operations and the agility of its product design. The Bank’s green finance portfolio- including solar energy, EV loans, and sustainable infrastructure -is growing rapidly.

Product and services offered by the bank

Personal Banking

  • Accounts
  • Investments & Deposits
  • Retail Loans
  • Digital Banking
  • NRI
  • Insurance

Corporate

  • Current Accounts
  • Loans-and-Advances
  • Export-Credit
  • Electronic-Bank-Guarantee-e-BG

Agri & Rural

  • Financial Inclusion
  • Agriculture Credit
  • Jewel-Loan

MSME Loans

FOREX

  • IT & ITES BPO
  • Merchant Banking
  • IOB Expo Gold Card

Government Business

Awards and Accolades

2017-18

  • Runner Up Award for Best Payment Initiatives amongst Medium Banks from IBA.
  • Bank's quarterly Hindi Magazine ‘VANI’ has received prize in Bronze category from Association of Business Communicators, Mumbai.
  • 2nd Prize for in-house Hindi magazine VANI for 2016-17 received by our MD & CEO on the occasion of Hindi Diwas from Hon’ble President of India
  • Bank was chosen as one of the winners (out of 36 banks) of Intelligent Enterprise Award (CategoryEnterprise Apps) presented by Indian Express group for the year 2017 for the product IOB PAY which is an online integration.

2018-19

  • The Central Vigilance Commission has awarded to Bank with ‘Vigilance Innovation Award’ with an Excellent Grade for various initiatives taken in the Bank.

2019-20

  • IOB ranked 5th position as on March 2019 under EASE 1.0 (FY 2018-19) with 75% score among PSBs.
  • IOB been awarded ‘Winner-Reforms Excellence’ and ‘Winner Deepening Financial Inclusion and Digitalisation’ out of 8 awards category of EASE 1.0.
  • IOB got a special mention in ‘Examples of Best Practice among PSBs’ for its Standardized Public Grievance Redressal System (SPGRS).
  • IOB awarded for Outstanding Performance in POS deployment in Northeast for the FY2018-19 by Meity.
  • IOB shortlisted by Infosys under Client Innovation Award -2020, for inhouse customization of Finacle on ‘Simplified Loan Account Opening’.
  • IOB awarded ISO 27001 for Information Technology Department.
2020-21
  • The Bank was awarded 'Best Banker under MSME category - 1st Prize' for the years FY 2016-17, FY 2017-18 & FY 2018-19 from Hon'ble Chief Minister of Tamil Nadu.
  • The Bank received recognition from PFRDA for qualifying in Shine and Succeed campaign during July-August 2020.
2021-22
  • Bank has been awarded 2nd Position for achieving 2nd highest percentage of digital payment transactions under Small & Micro Public Sector Banks category by Ministry of Electronics & information Technology, Government of India. 
  • Shikhar Campaign launched for DSB Registration and Bank received the Award from IBA.
2022-23
  • Bank has been awarded Certificate of Appreciation for securing 2nd Position in Group C and 2nd Position overall in the DSB monsoon Drive Lap 1.0 and also received Certificate of Achievement for qualifying in DSB mission 5 lakh campaign (February 15, 2023 to March 15, 2023).
  • Bank has been awarded Certificate of Appreciation for excellent performance in the DSB Lakshya Reloaded 2.0 campaign (September 15, 2022 to September 27, 2022).
2023-24
  • Indian Overseas Bank clinched 5 prestigious IBA Banking Technology Awards in the Medium-sized Banks category for 2023 at the IBA 19th Banking Technology Conference, Expo & Citations 2022-23 in Mumbai. 
  • Indian Overseas Bank clinched prestigious 1st Runner-up Award under Top Improver category in EASE Reforms Agenda for the year 2023 at the EASE 5.0 Citation Ceremony held at Presidential Ballroom in Mumbai on April 25, 2024.
  • Bank has received the ICAI Awards for Excellence in Financial Reporting under “Plaque” category for commended Annual Report in Category I - Public Sector Banks for the year ended March 31, 2023, from The Institute of Chartered Accountants of India (ICAI).
2024-25
  • Bank Received 5 Prestigious Citations at The IBA Banking Technology Awards.
  • Bank Received Skoch Award 2024 for its Initiatives in The Area of Compliance.
  • Bank Received Awards for PSU Highest DQI (Data Quality Index) Improvement FY'25 At Annual Conference Hosted by IBA & Transunion Cibil- Winner in Commercial Segment and First Runner up in Consumer Segment Categories.
Milestones
  • 1937: Indian Overseas Bank (IOB) was founded on February 10, 1937 by M. Ct. M. Chidambaram Chettyar.
  • 1938: Opening Branch in Kuala Lumpur.
  • 1941: Opening Branch in Singapore.
  • 1945: Opening Branch in Colombo.
  • 1955: Opening Branch in Hong Kong.
  • 1957: Bank established its own Training Centre.
  • 1964: Inauguration of IOB's Head Office in Mount Road.
  • 1969: Nationalisation of the Bank.
  • 1973: Formation of United Asian Bank (Indian Bank/ IOB/ United Commercial Bank).
  • 1977: Bank opened it Tsim Tsa Tsui Branch at Kowloon side of Hong Kong.
  • 1984: 1000th branch opened (Gobindpuri Branch).
  • 1990: Took over Bank of Thailand.
  • 1996: Banks profit reached Rs100 crore for the first time.
  • 2000: Initial Public Offer and Follow on Public offer in 2003.
  • 2005: Launched Debit Card.
  • 2006: Launched Visa Card, Retail Sale of Gold and Non-Life Joint Insurance.
  • 2006: Bharat Overseas Bank was merged with IOB.
  • 2007: First off-site ATM at Kamatchi Hospital, IOB.
  • 2009: Achieved 100% CBS.
  • 2010: Bank opened its 2000th Branch (Yamuna Vihar Branch).
  • 2013: Bank surpassed the landmark of 3000 Branch by opening of Vaniangudi Branch.
  • 2016: All branches migrated from in house CBS platform CROWN to FINACLE.
  • 2021: RBI takes IOB out of PCA Framework on improvement in financial and credit profile.
  • 2024: The Bank crossed the Rs5 lakh crore mark in total business for the first time during the year ended on March 31, 2024.
  • 2024: IOB reached a noteworthy milestone by being the fifth public sector lender to reach Rs 1 lakh crore in market capitalization.
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