Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
IOB.NS
HoldFallen FavouriteIndian Overseas Bank · Financial Services · India · $6.8B · Avg Vol: $764K/d
44
StockRankGet insider-trade alerts
Q
55
V
45
M
39
P/E (TTM)
11.1x
ROE
16.5%
D/E
1.4x
Dividend %
—
COMPANY DESCRIPTION
Indian Overseas Bank provides various banking products and services in India and internationally. It operates through Treasury Operations, Corporate/Wholesale Banking Operations, Retail Operations, and Other Banking Operations segments.
FINANCIAL SUMMARY (INR)
| Year | 2023 | 2024 | 2025 | 2026 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 123.8B | 155.0B | 165.0B | 184.2B | 14.2% | 163.7B |
| EPS (INR) | 1.15 | 1.40 | 1.76 | 2.70 | 32.9% | 2.99 |
| Shares | 18.9B | 18.9B | 19.3B | 19.3B | +1.9% | 19.3B |
| Debt | 208.0B | 233.9B | 402.8B | 516.0B | 35.4% | 474.6B |
| Equity | 248.8B | 275.6B | 322.3B | 369.9B | 14.1% | — |
| Op CF | -136.5B | -11.2B | 26.5B | 47.8B | 80.6% | 48.0B |
| Inv CF | -5.6B | -3.6B | -5.8B | -6.4B | — | — |
| Fin CF | -19.2B | -5.3B | 3.4B | -1.4B | — | — |
Loading 1Y...
PRICE (1Y)-3.0%
SMA 50SMA 200
Close
$0.3461
RSI (14)
48.5
52W High
$0.4375
From 52W High
0.8%
SCORE BREAKDOWN
Quality
55
ROIC (ROA)
1.3%*45.3
ROE
16.5%77.4
GP/Assets
3.4%N/A
Op. Margin
37.1%53.8
FCF/Assets
0.9%N/A
Piotroski
446.2
Int. Cover
—50.0
D/E Ratio
1.40xN/A
Current Ratio
bankN/A
Value
45
P/E (TTM)
11.1x61.9
EV/EBITDA
bankN/A
P/FCF
15.6xN/A
P/B
1.6x33.6
P/S
3.9x45.8
Div Yield
—N/A
Momentum
39
52W High %
79%26.7
RS 6M
4%60.9
SMA 50/200
0.98x23.9
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
-70%2.9
Q Growth
46%71.1
FUNDAMENTALS
Market Cap
$6.8B
P/E (Forward)
36.6x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of IOB.NS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| IOB.NS | Indian Overseas Bank(you) | $6.8B | 44 | Hold |
| RBLBANK.NS | RBL Bank Limited | $6.8B | 50 | Hold |
| INDUSINDBK.NS | IndusInd Bank Limited | $8.2B | 39 | Hold |
| AUBANK.NS | AU Small Finance Bank Limited | $8.5B | 39 | Hold |
| IDBI.NS | IDBI Bank Limited | $9.2B | 39 | Hold |
| IDFCFIRSTB.NS | IDFC First Bank Limited | $7.9B | 35 | Sell |
| YESBANK.NS | Yes Bank Limited | $7.5B | 58 | Hold |
| FEDERALBNK.NS | The Federal Bank Limited | $9.0B | 56 | Hold |
| UCOBANK.NS | UCO Bank | $3.2B | 40 | Hold |
| CUB.NS | City Union Bank Limited | $2.4B | 47 | Hold |
Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 69.9%