Indian Overseas Bank (IN:IOB)
:IOB
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
₹631.04B
Enterprise Value₹891.08B
Total Cash (Recent Filing)₹235.12B
Total Debt (Recent Filing)₹464.33B
Price to Earnings (P/E)12.7
Beta1.48
Next Earnings
May 08, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.74
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
Diversified Retail And Corporate Banking FranchiseIOB's broad set of banking services across deposits, retail/MSME/corporate lending, transaction banking and trade finance provides multiple stable revenue pools. That diversification supports resilience to sector-specific shocks and underpins medium-term deposit and fee income stability, aiding durable earnings.
Strong Recent Revenue AccelerationA ~48% revenue pickup in FY2025 signals meaningful demand recovery or successful repricing/product mix change. Sustained top-line growth over several quarters can expand scale, improve operating leverage, and provide a foundation for margin recovery and higher retained earnings over the next few quarters.
Larger Equity Base And Steady ROEAn expanding equity base with mid-single-digit to low-double-digit ROE gives the bank greater capital headroom to support loan growth and absorb shocks. Steady ROE suggests the franchise can earn acceptable returns on incremental capital, which supports sustainable expansion without immediate capital raises.
Bears Say
Deeply Negative Operating And Free Cash FlowPersistent, large negative operating and free cash flows indicate earnings are not converting to cash, raising dependence on external funding. Over months this reduces flexibility to fund lending organically, increases refinancing risk, and limits capacity to smooth provisions or return capital to shareholders.
Rising Leverage Reduces Financial FlexibilityAn upward trend in debt-to-equity increases sensitivity to funding costs and market dislocations. Higher leverage constrains ability to absorb credit deterioration, may pressure capital ratios under stress, and can force more expensive funding or equity issuance if adverse conditions persist over the medium term.
Volatile Profitability And Modest Net MarginsEarnings volatility and a meaningful drop in net margin versus prior periods point to uneven earnings quality or mix shifts. Over several months, modest margins limit internal capital generation and increase vulnerability to higher credit costs or margin compression, reducing predictability of future earnings.
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 ₹631.04B.
When is Indian Overseas Bank’s upcoming earnings report date?
Indian Overseas Bank’s upcoming earnings report date is May 08, 2026 which is in 32 days.
How were Indian Overseas Bank’s earnings last quarter?
Indian Overseas Bank released its earnings results on Jan 14, 2026. The company reported ₹0.741 earnings per share for the quarter, beating the consensus estimate of N/A by ₹0.741.
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 ₹0.741 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.834%.
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
Bank of India
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General Insurance Corporation of India
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Indian Bank
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Punjab National Bank
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Union Bank of India Limited
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