IOB
Indian Overseas Bank (IOB) Stock Analysis
Indian Overseas Bank is a public-sector bank headquartered in Chennai with retail and corporate banking nationwide. It offers deposits, loans, trade finance, and government schemes. The bank is strengthening digital channels and asset quality. It is a listed PSU bank.
Financial Services › Banks - Regional
₹30.80
-2.13% 1W | -20.80% 52W
Market Cap
59.3k CR
P/E Ratio
10
52W High
₹41.8
52W Low
₹30.1
Div. Yield
0%
Beta
0.3
50 DMA
₹32.7
200 DMA
₹33.9
Profit Margin
36.6%
Inst. Own.
4.3%
✅ BOUNCE FROM SUPPORT
✅ BOUNCE FROM SUPPORT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5,427 | 5,825 | 6,180 | 6,634 | 6,539 | 6,854 | 7,116 | 7,635 | 7,387 | 7,851 | 8,172 | 8,489 | 8,778 |
| Interest | 3,102 | 3,477 | 3,780 | 3,868 | 4,096 | 4,315 | 4,324 | 4,510 | 4,639 | 4,790 | 4,874 | 5,019 | 5,090 |
| Expenses | 2,621 | 2,829 | 2,583 | 4,049 | 2,738 | 3,191 | 2,852 | 3,152 | 2,714 | 2,698 | 3,430 | 3,102 | 3,989 |
| Financing Profit | -296 | -481 | -183 | -1,283 | -295 | -652 | -60 | -27 | 34 | 364 | -132 | 368 | -301 |
| Financing Margin % | -5% | -8% | -3% | -19% | -5% | -10% | -1% | -0% | 0% | 5% | -2% | 4% | -3% |
| Other Income | 807 | 1,117 | 1,263 | 2,479 | 1,033 | 1,634 | 1,298 | 1,581 | 1,480 | 1,365 | 1,499 | 1,291 | 2,160 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 511 | 636 | 1,080 | 1,196 | 739 | 982 | 1,238 | 1,554 | 1,515 | 1,729 | 1,367 | 1,659 | 1,859 |
| Tax % | 1% | 1% | 33% | 32% | 14% | 21% | 29% | 32% | 27% | 29% | 0% | 9% | 11% |
| Net Profit | 504 | 627 | 724 | 810 | 649 | 780 | 875 | 1,092 | 1,178 | 1,259 | 1,427 | 1,556 | 1,716 |
| EPS in Rs | 0.27 | 0.33 | 0.38 | 0.43 | 0.34 | 0.41 | 0.46 | 0.57 | 0.61 | 0.65 | 0.74 | 0.81 | 0.89 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2002 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|
| Revenue | 3,171 | 16,976 | 16,736 | 19,407 | 24,066 | 28,144 | 31,896 | 33,290 |
| Interest | 2,203 | 11,069 | 10,419 | 11,146 | 14,226 | 17,244 | 19,322 | 19,773 |
| Expenses | 1,273 | 10,367 | 9,270 | 9,763 | 11,746 | 11,538 | 11,421 | 13,218 |
| Financing Profit | -305 | -4,461 | -2,954 | -1,503 | -1,906 | -639 | 1,153 | 299 |
| Financing Margin % | -10% | -26% | -18% | -8% | -8% | -2% | 4% | 1% |
| Other Income | 536 | 5,486 | 4,905 | 4,116 | 5,665 | 5,607 | 5,847 | 6,316 |
| Depreciation | 0 | 258 | 173 | 260 | 336 | 395 | 521 | 0 |
| Profit before tax | 231 | 767 | 1,779 | 2,353 | 3,423 | 4,573 | 6,478 | 6,615 |
| Tax % | 0% | 1% | 4% | 11% | 22% | 26% | 16% | |
| Net Profit | 231 | 758 | 1,709 | 2,104 | 2,666 | 3,396 | 5,418 | 5,958 |
| EPS in Rs | 0.46 | 0.90 | 1.11 | 1.41 | 1.76 | 2.81 | 3.09 | |
| Dividend Payout % | 23% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 18.0% | 13.0% | – |
| Profit CAGR | 37.0% | 48.0% | – |
Shareholding Pattern
Promoters94.61%
FIIs0.08%
DIIs2.37%
Public2.94%
Promoters94.61%
FIIs0.31%
DIIs2.30%
Public2.78%
Promoters92.44%
FIIs0.35%
DIIs4.26%
Public2.93%
Promoters92.44%
FIIs0.43%
DIIs4.28%
Public2.85%
Promoters92.44%
FIIs0.47%
DIIs4.29%
Public2.80%
Promoters96.38%
FIIs0.14%
DIIs1.35%
Public2.11%
Promoters96.38%
FIIs0.05%
DIIs1.29%
Public2.28%
Promoters94.61%
FIIs0.22%
DIIs2.59%
Public2.58%
Promoters92.44%
FIIs0.43%
DIIs4.28%
Public2.85%
Promoters92.44%
FIIs0.47%
DIIs4.29%
Public2.80%
IOB
Holdings Analysis
Key strengths & risk signals
65
Overall
83
Fundamental
48
Technical
Risks (4)
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
POOR YEAR! Stock declined 20.8% in the last year.
WEAK POSITION! Current price (30.8) is below both moving averages.
WEAK! Trading at 6.0% of 52W range - near yearly lows.
Strengths (4)
EXCELLENT EFFICIENCY! 36.6% profit margin - company keeps strong profits.
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
TESTING SUPPORT! Stock is at key support level.
APPROACHING OVERSOLD! RSI at 39.9 - watch for reversal.
Fundamental & Technical Analysis
65Overall
83Fundamental
48Technical
Fundamental Breakdown
Growth Quality
26/30
Revenue CAGR: 14.2% (GOOD, 11/15). Profit CAGR: 37.1% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 36.6% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.27 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
4/10
HIGH DEBT! D/E of 1.25 - caution advised.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 2.2% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (32.7) is below 200-day average (33.9) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (30.8) is below both moving averages.
Trend Pattern
16/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
1/10
POOR YEAR! Stock declined 20.8% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 2,442,674 vs down days: 2,862,484. Ratio: 0.85x
RSI
4/5
APPROACHING OVERSOLD! RSI at 39.9 - watch for reversal.
52W Range
1/5
WEAK! Trading at 6.0% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 2.1% (1 week), 6.9% (1 month), 8.8% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
IOB
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-24 | Concall PDF | |
| Q2FY262026-01-19 | Concall PDF | |
| Q1FY262025-10-22 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IOB | ₹30.80 | 10 | 36.6% | 14.2% | 37.1% | -20.8% | 65 | BOUNCE FROM SUPPORT | +45.6% | +10.3% | +38.3% | +22.8% |
| RBLBANK | ₹388.10 | 28 | 11.1% | 12.2% | -1.5% | +43.4% | 53 | BREAKDOWN | +9.3% | -4.2% | +1.0% | -6.0% |
| BANKINDIA | ₹134.30 | 5.2 | 35.0% | 7.3% | 39.0% | +8.2% | 70 | APPROACHING SUPPORT | +80.5% | +7.0% | +14.4% | -5.1% |
| MAHABANK | ₹83.70 | 8.5 | 53.4% | 15.6% | 39.1% | +50.9% | 84 | APPROACHING SUPPORT | +34.5% | -1.1% | +16.6% | +3.4% |
| YESBANK | ₹20.90 | 17.5 | 23.2% | 25.3% | 68.4% | -12.1% | 66 | APPROACHING SUPPORT | +32.6% | -1.0% | +11.0% | +4.7% |
| IDFCFIRSTB | ₹78.80 | 30.4 | 9.1% | 19.6% | -13.5% | +9.2% | 57 | APPROACHING SUPPORT | +153.1% | +247.2% | +15.7% | +13.4% |
| INDUSINDBK | ₹877.40 | 51.4 | 7.6% | -0.4% | -50.7% | +14.8% | 55 | APPROACHING SUPPORT | +71.7% | +74.5% | -4.8% | +6.3% |
| AUBANK | ₹991.50 | 26.1 | 25.6% | 30.4% | 22.8% | +27.1% | 77 | APPROACHING SUPPORT | +37.0% | -4.3% | +18.5% | +2.2% |
Data from TradeAlone · Updated daily
