Indian Overseas Bank

₹31.71▼ -0.84%28 Sept

📊 Stock Analysis

Market Data

Market Cap₹61,062.65 Cr.

52W High₹41.73

Current Price₹31.71

52W Low₹31.18

Down from 52W High24 %

Face Value₹10

Performance

ROCE29.78 %

ROE16.11 %

EPS (TTM)₹0.89

EPS Prev Qtr₹0.81

EPS Last Year₹0.65

EBITDA Qtr₹2,693.1 Cr.

Book Value₹19

Financial Health

Debt/Equity1.4

Debt/Profit8.96

Total Assets₹4,72,795.2 Cr.

Promoter Holding92.44 %

Earning Power2.19 %

Valuation

Stock P/E10.36

Industry P/E10.31

Price to Book1.65

Price to Sales1.83

Graham Number₹36.38

Key Metrics

Book Value

₹15.79

Branches

3,522

Capital Adequacy % (Basel III)

19.36%

CASA %

41.05%

__derived

Face Value

₹10

Gross NPA %

1.33%

Net NPA %

0.18%

NIM %

3.37%

Provision Coverage %

97.67%

ROA % (annualised)

1.41%

Total Advances

₹3,18,401 Cr

Total Deposits

₹3,76,193 Cr

About Indian Overseas Bank

Financial Services · Banks

Indian Overseas Bank is listed on NSE in the Financial Services / Banks sector. Face value ₹10. Market cap ₹61,062.65 Cr.

Price Chart

Peer Comparison

Name	CMP	P/E	Market Cap	Div Yield	NP Qtr	Qtr Profit Var%	Sales Qtr	Qtr Sales Var%	ROCE%	Debt/Eq
HDFC Bank Ltd	-	13.99	₹11,07,124.43 Cr	2.16%	₹82,511.72 Cr	-	₹3,51,818.61 Cr	-	25.02%	1
ICICI Bank Ltd	-	16.6	₹9,33,466.75 Cr	0.92%	₹59,489.34 Cr	-	₹1,98,379.35 Cr	-	28.81%	0.61
State Bank of India	-	10.31	₹8,87,893.11 Cr	1.8%	₹88,120.87 Cr	-	₹5,25,747.06 Cr	-	31.79%	1.3
Kotak Mahindra Bank Ltd	-	6.91	₹3,99,857.71 Cr	0.16%	₹20,238.55 Cr	-	₹70,887.47 Cr	-	20.7%	0.53
Axis Bank Ltd	-	13.54	₹3,76,715.23 Cr	0.08%	₹27,890.16 Cr	-	₹1,35,731.89 Cr	-	22.33%	1.31
Union Bank of India	-	6.35	₹1,31,145.34 Cr	2.91%	₹20,012.21 Cr	-	₹1,07,127.36 Cr	-	44.93%	0.58
Punjab National Bank	-	5.87	₹1,29,295.61 Cr	2.67%	₹20,602.7 Cr	-	₹1,31,788.93 Cr	-	45.06%	0.72
Bank of Baroda	-	6.49	₹1,17,855.34 Cr	3.73%	₹17,697.87 Cr	-	₹1,36,546.33 Cr	-	31.19%	1.03
Canara Bank	-	5.52	₹1,09,664.17 Cr	3.47%	₹18,979.1 Cr	-	₹1,27,805.38 Cr	-	42.06%	1.32
Indian Bank	-	8.47	₹1,08,282.43 Cr	2.27%	₹12,541.37 Cr	-	₹69,314.13 Cr	-	45.78%	0.58
IDBI Bank Ltd	-	9.73	₹90,750.27 Cr	-	₹9,318.15 Cr	-	₹29,542.24 Cr	-	28.56%	0.41
Federal Bank Ltd	-	17.05	₹80,026.16 Cr	0.37%	₹4,834.22 Cr	-	₹30,384.84 Cr	-	33.62%	0.86
AU Small Finance Bank Ltd	-	26.11	₹74,747.4 Cr	0.1%	₹2,856.35 Cr	-	₹19,560.64 Cr	-	149.65%	3.56
IndusInd Bank Ltd	-	53.5	₹70,733.57 Cr	0.17%	₹1,322.16 Cr	-	₹45,296.87 Cr	-	26.82%	0.65
IDFC First Bank Ltd	-	31	₹69,426.16 Cr	0.31%	₹2,304.91 Cr	-	₹41,957.76 Cr	-	26.68%	0.77
Yes Bank Ltd	-	17.82	₹66,539.94 Cr	-	₹3,775.15 Cr	-	₹30,658.32 Cr	-	21.74%	1.28
RBL Bank Ltd	-	29.1	₹62,809.51 Cr	0.25%	₹899.06 Cr	-	₹14,735.81 Cr	-	27.86%	1
Bank of Maharashtra	-	8.24	₹62,109.31 Cr	2.72%	₹7,448.08 Cr	-	₹30,262.41 Cr	-	35.86%	1.06
Indian Overseas Bank	-	10.36	₹61,062.65 Cr	-	₹5,757.71 Cr	-	₹33,289.81 Cr	-	29.78%	1.4
Bank of India	-	5.04	₹59,389.55 Cr	3.56%	₹11,463.77 Cr	-	₹77,243.58 Cr	-	31.76%	1.32

Quarterly Results

📊 Jun 2026: Revenue grew 18.8% YoY, Profit grew 49.3% YoY

	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales	7,387.49	7,850.89	8,172.39	8,488.96	8,777.57
↳ QoQ Growth	-	+6.3%	+4.1%	+3.9%	+3.4%
Expenses	7,353.33	7,487.27	8,304.13	8,120.78	9,078.73
Operating Profit	2,358.6	2,401.52	2,603.1	2,665.05	2,693.1
OPM %	31.93%	30.59%	31.85%	31.39%	30.68%
Other Income	1,480.39	1,365.44	1,499.19	1,290.91	2,160.23
Interest	4,639.3	4,789.64	4,873.85	5,019.25	5,089.95
Depreciation	-	-	-	-	-
EBITDA	-	-	-	-	-
EBITDA Margin %	-	-	-	-	-
Profit Before Tax	1,514.55	1,729.06	1,367.45	1,659.09	1,859.07
Tax %	26.6%	28.98%	0.17%	9.26%	10.75%
Net Profit	1,111.69	1,227.9	1,365.12	1,505.45	1,659.24
↳ QoQ Growth	-	+10.5%	+11.2%	+10.3%	+10.2%
EPS	0.62	0.65	0.71	0.81	0.89

Profit & Loss

	Mar 2026	TTM
Sales	31899.73	33289.81
Expenses	31265.51	32990.91
Operating Profit	10028.27	10362.77
OPM %	31.44%	31.13%
Other Income	5635.93	6315.77
Interest	19322.04	19772.69
Depreciation	-	-
Profit Before Tax	6270.15	6614.67
Tax %	16.91%	12.96%
Net Profit	5210.16	5757.71
EPS	2.79	3.06

Compounded Sales Growth

10Y

TTM

Compounded Profit Growth

10Y

TTM

Stock Price CAGR

10Y

-17.61%

Return on Equity

10Y

Last Year

15.57%

Balance Sheet

	Mar 2026	Mar 2027
Equity Capital	19256.59	19256.59
Reserves	17734.078	19688.98
Borrowings	51602.57	47239.9
Other Liabilities	384201.94	394303.4
Total Liabilities	472795.2	480488.88
Fixed Assets	5007.1895	5014.71
CWIP	67.3541	-
Investments	119284.87	122139.86
Other Assets	348435.78	353334.3
Total Assets	472795.2	480488.88

Cash Flows

	Mar 2026
Cash from Operating Activity	4779.657
Cash from Investing Activity	-638.9206
Cash from Financing Activity	-137.798
Net Cash Flow	4002.9387

Ratios

	Mar 2026
Debtor Days	-
Inventory Days	-
Days Payable	-
Cash Conversion Cycle	-
Working Capital Days	4819.33
ROCE %	2.38%

Shareholding Pattern

	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters %	94.61%	92.44%	92.44%	92.44%
FIIs %	0.31%	0.35%	0.43%	0.47%
DIIs %	2.3%	4.27%	4.28%	4.3%
Public %	2.29%	2.46%	2.4%	2.4%
No. of Shareholders	9,88,551	9,81,829	9,68,298	9,55,025