MarketsStocksIOB
IO

Indian Overseas Bank

NSE: IOB BSE: 532388Financial ServicesBank
33.37
+2.93%
NSE · auto-updates while market open
Prev Close
₹38.54
Day High
₹33.48
Day Low
₹32.51
Mkt Cap
₹64,259 Cr
P / E
12.3
P / B
1.7
ROE
15.1%
52W High
₹41.80
52W Low
₹31.20
Delivery
41% · avg 45%
Key Metrics
Market Cap
₹64,259 Cr
P / E
12.33
P / B
1.74
EV / EBITDA
-
ROCE
-
ROE
15.1%
Debt / Equity
-
Book Value
₹19.21
EPS
-
Div Yield
0.0%
Face Value
₹10
Promoter Holding
92.4%
Revenue · ₹ Cr
21k
FY20
23k
FY21
22k
FY22
24k
FY23
30k
FY24
34k
FY25
38k
FY26
Net Profit · ₹ Cr
831
1.7k
2.1k
2.7k
3.4k
5.2k
-8.6k
FY20FY21FY22FY23FY24FY25FY26
P / E Ratio · price ÷ TTM EPS
Trading at 12.0× - 50% below its own 5-year median of 23.9×.
04591136310-0Jun 21Feb 23Oct 24Jun 26
P/E 12.0×Median 23.9×TTM EPS
Cash Flow Trend · ₹ Cr
5.5K
5.5K
FY22
−15.6K
−15.6K
FY23
−1.1K
−1.1K
FY24
2.8K
2.8K
FY25
4.8K
4.8K
FY26
Operating cash flowFree cash flow (CFO − capex)Cash conversion: CFO = -23% of net profit (5y)
Q4 '26 · Bank snapshot
Interest income
₹8.49K Cr
Interest expended
₹5.02K Cr
Other income
₹1.29K Cr
Operating exp.
-
Provisions
₹1.01K Cr
Net profit
₹1.51K Cr
Bank quality · Q4 '26
Gross NPA
0.01%
Net NPA
0.00%
CET-1
-
CRAR
-
RoA
-
Net Profit
₹1.51K Cr
Scorecard · 7 axes
Quality
Good
72/100
Valuation
Strong
12.3×
Growth
Strong
+23.4%
Profitability
Weak
7.5%
Performance
Bad
-13.6%
Entry Point
Good
80%
Red Flags
Strong
0 flags
Shareholding Pattern
92.4%Promoter
Promoter92.4%
FII0.4%
DII4.3%
Public2.9%
Quarterly Results · ₹ Cr
QuarterQ3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26
Revenue8,415.349,257.68,867.889,216.339,671.589,779.87
Net Profit875.271,091.941,111.691,227.91,365.121,505.45
NPM %10.4%11.8%12.5%13.3%14.1%15.4%
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