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Indian Overseas Bank (IN:IOB)
:IOB
India Market
IOB
Indian Overseas Bank
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Indian Overseas Bank (IOB) Ratios

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Indian Overseas Bank Ratios

IN:IOB's free cash flow for Q2 2026 was ₹0.00. For the 2026 fiscal year, IN:IOB's free cash flow was decreased by ₹ and operating cash flow was ₹0.19. See a summary of the company’s cash flow.
Ratios
TTM
Mar 26Mar 25Mar 24Mar 23
Liquidity Ratios
Current Ratio
 0.07 0.07 0.13 0.13 0.13
Quick Ratio
 0.07 0.07 0.13 0.13 0.13
Cash Ratio
 0.07 0.07 0.07 0.07 0.08
Solvency Ratio
 0.01 0.01 0.01 <0.01 <0.01
Operating Cash Flow Ratio
 -0.07 0.05 -0.07 >-0.01 -0.06
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
₹ -4.11T₹ -4.11T₹ -3.23T₹ -2.88T₹ -2.55T
Leverage Ratios
Debt-to-Assets Ratio
 0.11 0.11 0.10 0.07 0.07
Debt-to-Equity Ratio
 1.40 1.40 1.25 0.85 0.84
Debt-to-Capital Ratio
 0.58 0.58 0.56 0.46 0.46
Long-Term Debt-to-Capital Ratio
 0.58 0.58 0.56 0.46 0.46
Financial Leverage Ratio
 12.78 12.78 12.25 12.77 12.60
Debt Service Coverage Ratio
 0.27 0.30 0.15 -0.05 0.19
Interest Coverage Ratio
 0.33 0.34 0.20 0.32 0.19
Debt to Market Cap
 0.80 0.83 0.56 0.19 0.49
Interest Debt Per Share
 36.92 36.78 30.33 19.90 16.90
Net Debt to EBITDA
 4.21 3.89 5.03 0.00 >-0.01
Profitability Margins
Gross Profit Margin
33.67%46.30%48.90%100.00%52.61%
EBIT Margin
17.13%16.70%10.06%-2.77%8.94%
EBITDA Margin
17.13%18.09%11.23%0.00%10.05%
Operating Profit Margin
17.44%17.26%10.06%37.76%8.94%
Pretax Profit Margin
17.21%16.70%10.06%28.16%8.94%
Net Profit Margin
14.81%14.44%10.06%21.93%8.94%
Continuous Operations Profit Margin
14.50%13.88%10.06%21.93%8.94%
Net Income Per EBT
86.03%86.45%100.00%77.88%100.00%
EBT Per EBIT
98.72%96.75%100.00%74.57%100.00%
Return on Assets (ROA)
1.15%1.15%0.86%0.76%0.67%
Return on Equity (ROE)
15.48%14.65%10.53%9.67%8.46%
Return on Capital Employed (ROCE)
6.10%6.19%4.12%7.02%4.03%
Return on Invested Capital (ROIC)
5.08%5.15%2.69%5.47%3.55%
Return on Tangible Assets
1.15%1.15%0.86%0.76%0.67%
Earnings Yield
8.44%8.67%4.75%2.18%4.96%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 2.11 0.97 2.87
Payables Turnover
 0.00 0.00 64.43 0.00 39.82
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 7.21 7.40 7.25 3.25 6.34
Asset Turnover
 0.08 0.08 0.09 0.03 0.08
Working Capital Turnover Ratio
 -0.11 -0.12 -0.13 -0.05 -0.11
Cash Conversion Cycle
 0.00 0.00 167.58 375.19 117.93
Days of Sales Outstanding
 0.00 0.00 173.25 375.19 127.09
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 5.67 0.00 9.17
Operating Cycle
 0.00 0.00 173.25 375.19 127.09
Cash Flow Ratios
Operating Cash Flow Per Share
 -12.67 9.69 -12.11 -0.59 -8.24
Free Cash Flow Per Share
 -12.92 9.36 -12.43 -0.79 -8.55
CapEx Per Share
 0.25 0.33 0.32 0.19 0.31
Free Cash Flow to Operating Cash Flow
 1.02 0.97 1.03 1.33 1.04
Dividend Paid and CapEx Coverage Ratio
 -50.98 28.93 -38.09 -3.06 -26.76
Capital Expenditure Coverage Ratio
 -50.98 28.93 -38.09 -3.06 -26.76
Operating Cash Flow Coverage Ratio
 -0.47 0.36 -0.57 -0.05 -0.75
Operating Cash Flow to Sales Ratio
 -0.66 0.50 -0.68 -0.09 -0.66
Free Cash Flow Yield
-38.56%28.87%-32.97%-1.21%-38.09%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.85 11.53 21.06 45.91 20.17
Price-to-Sales (P/S) Ratio
 1.76 1.67 2.12 10.07 1.80
Price-to-Book (P/B) Ratio
 1.74 1.69 2.22 4.44 1.71
Price-to-Free Cash Flow (P/FCF) Ratio
 -2.59 3.46 -3.03 -82.46 -2.63
Price-to-Operating Cash Flow Ratio
 -2.64 3.34 -3.11 -109.38 -2.72
Price-to-Earnings Growth (PEG) Ratio
 0.21 0.19 0.82 1.70 0.86
Price-to-Fair Value
 1.74 1.69 2.22 4.44 1.71
Enterprise Value Multiple
 14.47 13.09 23.89 0.00 17.94
Enterprise Value
 907.55B 888.75B 905.76B 1.27T 424.19B
EV to EBITDA
 14.47 13.09 23.89 0.00 17.94
EV to Sales
 2.48 2.37 2.68 10.45 1.80
EV to Free Cash Flow
 -3.66 4.93 -3.84 -85.54 -2.62
EV to Operating Cash Flow
 -3.73 4.76 -3.94 -113.47 -2.72
Tangible Book Value Per Share
 19.25 19.18 16.99 14.58 13.16
Shareholders’ Equity Per Share
 19.25 19.18 16.99 14.58 13.16
Tax and Other Ratios
Effective Tax Rate
 0.17 0.17 0.35 0.22 0.12
Revenue Per Share
 19.05 19.46 17.79 6.43 12.44
Net Income Per Share
 2.82 2.81 1.79 1.41 1.11
Tax Burden
 0.86 0.86 1.00 0.78 1.00
Interest Burden
 1.00 1.00 1.00 -10.18 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.10 0.12 0.19 <0.01 <0.01
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 -4.36 3.45 -6.77 -0.33 -6.62
Currency in INR