Indian Overseas Bank (IOB) AI Stock Analysis

• Market Cap: ₹674.94B
• Dividend Yield: N/A
• Average Volume (3M): 808.91K
• Price to Earnings (P/E): 15.3
• Beta (1Y): 1.59
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IN
• Employees: 21,148
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.65
• Shares Outstanding: 19,256,590,000
• 10 Day Avg. Volume: 831,734
• 30 Day Avg. Volume: 808,907
• PEG Ratio: 0.78
• Price to Book (P/B): 2.22
• Price to Sales (P/S): 2.12
• P/FCF Ratio: -3.03
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 52 Neutral
• Price Target: ₹38.00 ▲(2.01% Upside)

The score is driven mainly by mixed financial quality: strong recent growth and steady ROE are offset by persistently weak cash generation and rising leverage. Technical signals are mixed with negative MACD and the price below longer-term averages, while valuation is neutral at a mid-range P/E.

Indian Overseas Bank Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Indian Overseas Bank Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	350.29B	337.49B	121.53B	235.22B	216.40B	224.60B
Gross Profit	172.41B	165.04B	121.53B	123.76B	112.20B	113.90B
EBITDA	41.56B	37.90B	0.00	23.64B	18.82B	10.16B
Net Income	39.25B	33.96B	26.66B	21.04B	17.09B	7.58B
Balance Sheet
Total Assets	4.13T	3.95T	3.52T	3.13T	2.99T	2.74T
Cash, Cash Equivalents and Short-Term Investments	234.03B	212.20B	188.15B	208.21B	369.51B	309.82B
Total Debt	404.08B	402.82B	233.87B	208.04B	30.71B	36.72B
Total Liabilities	3.80T	3.62T	3.24T	2.89T	2.76T	2.57T
Stockholders Equity	331.37B	322.33B	275.61B	248.76B	225.98B	170.99B
Cash Flow
Free Cash Flow	0.00	-235.81B	-14.84B	-161.66B	54.83B	48.84B
Operating Cash Flow	0.00	-229.78B	-11.19B	-155.84B	55.39B	49.51B
Investing Cash Flow	0.00	-5.79B	-3.59B	-5.60B	-492.94M	-479.42M
Financing Cash Flow	0.00	259.61B	-5.28B	127.49M	223.40B	18.13B

Indian Overseas Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UNIONBANK	81 Outperform	₹1.24T	6.70	―	3.15%	3.86%	19.14%
PNB	75 Outperform	₹1.41T	8.29	―	2.40%	12.10%	12.93%
BANKINDIA	74 Outperform	₹664.46B	6.89	―	2.87%	14.34%	20.97%
INDIANB	74 Outperform	₹1.12T	9.95	―	2.07%	9.74%	12.56%
GICRE	70 Outperform	₹642.64B	6.71	―	2.69%	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IOB	52 Neutral	₹674.94B	15.27	―	―	―	―

Indian Overseas Bank Corporate Events

Indian Overseas Bank Receives USD 25.7 Million from Malaysian JV Liquidation

Indian Overseas Bank has received USD 25.72 million as an interim capital repatriation from the liquidator of India International Bank (Malaysia) Bhd, a joint venture in which it held a 35% stake alongside Bank of Baroda and Union Bank of India. The inflow, arising from the member’s voluntary liquidation of the Malaysian joint venture, strengthens Indian Overseas Bank’s capital position and underscores the final unwinding of its investment in this overseas subsidiary, with potential implications for its international portfolio strategy and balance-sheet deployment.

Indian Overseas Bank Releases Analyst Call Transcript

Indian Overseas Bank has released the transcript of an Analyst Conference Call held on October 16, 2025, as part of its compliance with SEBI regulations. This dissemination of information reflects the bank’s commitment to transparency and communication with stakeholders, potentially impacting its market perception and investor relations positively.

Indian Overseas Bank Announces Extraordinary General Meeting

Indian Overseas Bank has announced the scheduling of an Extraordinary General Meeting (EGM) on November 20, 2025. The notice of this meeting was published in several newspapers, including Financial Express, Jansatta, and Dinamani, as part of regulatory compliance. This meeting is significant for stakeholders as it may involve discussions or decisions impacting the bank’s operations and strategic direction.