Right Stock
Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
Best Practice Tip: Avoid Red stocks.
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Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
Best Practice Tip: Invest in stocks when they are at a reasonable discount to the MRP.
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X

Indian Overseas Bank

Mid Cap

Evaluated by 2302 users |

BSE

: 532388 |

NSE

: IOB |

Bank - Public

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Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Consolidated basis
 Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Net Interest Income (Rs. Cr.)3,1684,2085,0165,2525,5775,3845,3835,1905,4685,279
Y-o-Y Gr. Rt.-32.8%19.2%4.7%6.2%-3.5%-0%-3.6%5.4%-3.5%
Total Income11,38913,32719,57022,65024,85326,07726,04623,09121,66221,838
Y-o-Y Gr. Rt.-17%46.9%15.7%9.7%4.9%-0.1%-11.3%-6.2%0.8%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
12.9817.3313.186.144.87-3.68-16.03-13.92-12.88-4.09
Y-o-Y Gr. Rt.-33.5%-24%-53.4%-20.7%-175.6%NANANANA
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
116.54118.25135.34133.21116.21112.873.3447.1722.8415.18
Y-o-Y Gr. Rt.-1.5%14.5%-1.6%-12.8%-2.9%-35%-35.7%-51.6%-33.5%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.560.690.530.240.23-0.16-1.03-1.31-2.54-1.5
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)2.521.191.352.53.25.6811.8913.9915.3310.81
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income5.8%-1.1%-0.7%-3.5%
Total Income7.5%-2.6%-5.7%0.8%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-188%-196.6%NANA
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
-20.3%-33.4%-40.9%-33.5%
Share Price -25.2% -31.8% -29.1% -37%
 
RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Interest Earned / Total Income89.9690.8191.4191.2991.2791.890.2985.3982.780.74
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.52.442.362.222.11.952.052.212.42.29
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)11.516.7311.64.914.51-3.21-21.31-27.52-55.38-29.85
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 32.5530.226.4226.5125.3425.0928.7236.0936.7538.3
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What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Percentage Holding
92.52%
3.35%
4.14%
Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)
 
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