Indian Overseas Bank (IN:IOB)
:IOB
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IOB Stock Chart & Stats
₹37.25
-₹0.34(-0.67%)
At close: 4:00 PM EST
₹37.25
-₹0.34(-0.67%)
Day’s Range― - ―
52-Week Range₹31.18 - ₹42.84
Previous CloseN/A
Volume2.65M
Average Volume (3M)808.91K
Market Cap
₹676.48B
Enterprise Value₹937.48B
Total Cash (Recent Filing)₹235.12B
Total Debt (Recent Filing)₹464.33B
Price to Earnings (P/E)12.7
Beta1.37
Next Earnings
Jul 30, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.81
Shares Outstanding19,256,590,000
10 Day Avg. Volume831,734
30 Day Avg. Volume808,907
Financial Highlights & Ratios
PEG Ratio0.82
Price to Book (P/B)2.22
Price to Sales (P/S)2.12
P/FCF Ratio-3.03
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Strong Revenue GrowthIOB delivered ~48% revenue growth in FY2025 with higher net income, showing the bank can expand core lending and fee businesses. Sustained top-line expansion over multiple quarters supports capacity to scale operations, absorb costs, and fund incremental lending over months.
Diversified Banking FranchiseThe bank’s mix of retail, SME, corporate, trade finance and international services creates multiple, structural revenue streams. This diversification reduces concentration risk, supports cross-selling, and helps stabilize margins across economic cycles over the medium term.
Growing Equity Base And Steady ROEAn increased equity base (322.33B) together with consistent ROE near 9–11% provides a durable capital buffer to support loan growth and absorb credit shocks. Stable returns indicate underlying earning power that can sustain lending activities over quarters.
Bears Say
Severe Negative Cash GenerationPersistently large negative operating and free cash flows increase reliance on external funding and hinder the bank’s ability to convert accounting profits to cash. Over a 2–6 month horizon this elevates refinancing, liquidity and capital-management risk if adverse conditions persist.
Rising LeverageAn increasing debt-to-equity ratio reduces financial flexibility and raises sensitivity to funding-cost increases or deposit stress. Higher leverage constrains the bank’s ability to absorb credit losses and limits room for expansion or provisioning in tighter conditions.
Volatile, Modest MarginsNet margin declined to about 10% after stronger prior years and profitability has been uneven. This volatility and lower margin compress the buffer against rising credit costs and make earnings less predictable, weakening sustainable internal capital generation.
Indian Overseas Bank News
IOB FAQ
What was Indian Overseas Bank’s price range in the past 12 months?
Indian Overseas Bank lowest stock price was ₹31.18 and its highest was ₹42.84 in the past 12 months.
What is Indian Overseas Bank’s market cap?
Indian Overseas Bank’s market cap is ₹676.48B.
When is Indian Overseas Bank’s upcoming earnings report date?
Indian Overseas Bank’s upcoming earnings report date is Jul 30, 2026 which is in 91 days.
How were Indian Overseas Bank’s earnings last quarter?
Indian Overseas Bank released its earnings results on Apr 29, 2026. The company reported ₹0.81 earnings per share for the quarter, beating the consensus estimate of N/A by ₹0.81.
Is Indian Overseas Bank overvalued?
According to Wall Street analysts Indian Overseas Bank’s price is currently Overvalued.
Does Indian Overseas Bank pay dividends?
Indian Overseas Bank pays a Notavailable dividend of ₹0.5 which represents an annual dividend yield of N/A. See more information on Indian Overseas Bank dividends here
What is Indian Overseas Bank’s EPS estimate?
Indian Overseas Bank’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Indian Overseas Bank have?
Indian Overseas Bank has 19,256,590,000 shares outstanding.
What happened to Indian Overseas Bank’s price movement after its last earnings report?
Indian Overseas Bank reported an EPS of ₹0.81 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.486%.
Which hedge fund is a major shareholder of Indian Overseas Bank?
Currently, no hedge funds are holding shares in IN:IOB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Indian Overseas Bank
Indian Overseas Bank provides various banking products and services in India and internationally. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It accepts various deposits, such as demand, savings, current, fixed, and term deposits; foreign currency (nonresident) accounts. The company's loan products include home, vehicle, jewel, clean, education, reverse mortgage, personal, agricultural, and corporate loans, as well as loan against the property; and micro, small, and medium enterprise loans. It also provides debit and credit cards, prepaid cards, NRI accounts, agricultural and rural banking products, merchant banking, payment, and internet banking services; and health, property, home, motor, and general insurance products. As of March 31, 2022, it operated 3,214 branches, 3,355 ATMs, and 2,659 business correspondents in India; and 4 overseas branches in Singapore, Hong Kong, Colombo, and Bangkok. The company was founded in 1937 and is based in Chennai, India.
Technical Analysis
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Indian Bank
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Bank of Maharashtra
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