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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₹32.60 - ₹45.19
Previous CloseN/A
Volume2.65M
Average Volume (3M)808.91K
Market Cap
₹652.80B
Enterprise Value₹912.26B
Total Cash (Recent Filing)₹235.12B
Total Debt (Recent Filing)₹464.33B
Price to Earnings (P/E)12.7
Beta1.60
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 Ratio0.78
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 AccelerationA ~48% revenue jump in FY2025 with net income of 33.96B signals durable top-line momentum driven by stronger lending and fee activity. Sustained revenue growth improves capacity to absorb provisions, invest in distribution/digital channels, and supports medium-term business expansion.
Steady Returns And Equity GrowthConsistent ROE (~9–11%) and a larger equity base (322.33B) provide a structural capital buffer that supports regulated lending growth and cushions credit cycles. This improves the bank's ability to meet capital requirements and fund priority-sector lending without immediate external recap.
Diversified Banking Income StreamsA business model that combines net interest income, fee/commission, treasury returns and recoveries creates resilience across rate and cycle environments. Diversified income reduces reliance on any single segment, supporting steadier margins and flexibility in product and channel investments over months.
Bears Say
Weak Cash GenerationDeeply negative operating and free cash flow mean accounting profits are not translating into cash, increasing dependence on wholesale funding and deposits. Over the medium term this constrains reinvestment, heightens refinancing risk, and reduces optionality to absorb credit stress or pursue growth.
Rising LeverageAn accelerating debt-to-equity ratio elevates financial risk for a regional bank, narrowing capital flexibility. Higher leverage amplifies sensitivity to funding cost shocks and credit losses, making it harder to expand loans or withstand macro tightening without additional capital or deleveraging.
Volatile Earnings And Modest MarginsA sharp swing from stronger prior margins to a modest ~10% indicates earnings quality and mix volatility. Such variability suggests profits are sensitive to loan mix, treasury swings, or provisioning, which can produce uneven capital generation and complicate medium-term planning.
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 ₹32.60 and its highest was ₹45.19 in the past 12 months.
What is Indian Overseas Bank’s market cap?
Indian Overseas Bank’s market cap is ₹652.80B.
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 55 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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