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 - ₹41.73
Previous CloseN/A
Volume2.65M
Average Volume (3M)808.91K
Market Cap
₹623.72B
Enterprise Value₹907.36B
Total Cash (Recent Filing)₹235.12B
Total Debt (Recent Filing)₹464.33B
Price to Earnings (P/E)11.8
Beta1.41
Next Earnings
Jul 30, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)2.30
Shares Outstanding19,256,590,000
10 Day Avg. Volume831,734
30 Day Avg. Volume808,907
Financial Highlights & Ratios
PEG Ratio0.19
Price to Book (P/B)1.69
Price to Sales (P/S)1.67
P/FCF Ratio3.46
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
Profitability RecoveryA multi-year net income increase to ~54.2B demonstrates a durable earnings recovery and operational leverage. Sustained higher profits improve internal capital generation, support loan growth and provisioning capacity, and provide structural flexibility versus prior low-profit years.
Scale And Balance-sheet GrowthSteady asset growth to ~4.73T and rising equity indicate capacity to expand lending and market presence. A larger balance sheet and higher equity base underpin franchise scale, diversify funding/deposit pools, and enable medium-term growth initiatives in retail and corporate segments.
Diversified Banking Revenue MixA traditional mix of net interest margin, fees and treasury income plus recent double-digit revenue and strong EPS growth supports resilience. Diversified income streams reduce reliance on any single cycle and help sustain earnings through interest-rate and credit cycles.
Bears Say
Cash-flow VolatilityLarge operating/free cash flow whipsaws reduce predictability of internal funding and complicate capital planning. Irregular cash generation can force reliance on wholesale funding or asset sales in stress, limiting the bank's ability to execute steady medium-term growth or capital return strategies.
Rising LeverageA notable jump in debt increases financial risk and reduces strategic flexibility. Higher leverage can raise funding costs, constrain capital buffers under regulatory stress, and amplify earnings volatility if asset quality or margins deteriorate over the medium term.
Uneven Revenue And Margin ConsistencyIntermittent revenue and inconsistent reported margins signal execution and mix risk. Without clearer margin stability, earnings remain exposed to cyclical loan demand, fee capture and credit-cost swings, making multi-quarter profitability harder to forecast reliably.
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 ₹41.73 in the past 12 months.
What is Indian Overseas Bank’s market cap?
Indian Overseas Bank’s market cap is ₹623.72B.
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 47 days.
How were Indian Overseas Bank’s earnings last quarter?
Indian Overseas Bank released its earnings results on Apr 29, 2026. The company reported ₹0.808 earnings per share for the quarter, beating the consensus estimate of N/A by ₹0.808.
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 ₹0.808 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
Established in Chennai, India, in 1937, Indian Overseas Bank provides a comprehensive suite of banking and financial services, operating both domestically and in select international markets. Its core activities are divided across distinct segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and other specialized banking operations. The bank caters to diverse deposit requirements, offering demand, savings, current, fixed, and term accounts, in addition to foreign currency facilities for non-residents. Its extensive lending products include financing for homes, vehicles, jewelry, personal needs, education, agriculture, corporate endeavors, and reverse mortgages, alongside loans against property and dedicated support for micro, small, and medium enterprises. Beyond traditional accounts and loans, IOB also issues debit, credit, and prepaid cards, manages NRI services, offers agricultural and rural banking solutions, provides merchant banking facilities, enables various payment methods, and delivers robust internet banking platforms. The institution further extends its offerings to include a variety of insurance products, such as health, property, home, motor, and general coverage. As of March 31, 2022, the bank commanded a substantial presence in India with 3,214 branches, 3,355 ATMs, and 2,659 business correspondents, complemented by four overseas branches located in Singapore, Hong Kong, Colombo, and Bangkok.
Technical Analysis
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Central Bank of India
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Indian Bank
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Bank of Maharashtra
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