Indian Overseas Bank (IOB)
₹28.74
Mkt cap
₹55,343 Cr
P/E ratio
8.59
P/B
1.36
Div yield
0.00%
ROE
14.90%
ROCE
6.07%
EPS (TTM)
₹3.35
Book value
₹21
52W range
28–41
Sector
Financial Services
Price history
Previous close
Indian Overseas Bank was founded in 1937 by Chidambaram Chettyar. It was one of the 14 major banks that were nationalized in 1969. [1]
NSE IOBBSE 532388
Health check
Cautious
ValuationFair
ProfitabilityWeak
TechnicalsBearish
52-week range
−30.39% from high₹29
₹28+1.48% from low₹41
Current
₹28.74
Prev close
₹29.25
Day
−1.74%
Price performance
1D
−1.50%
1W
+0.45%
1M
−6.91%
3M
−14.59%
6M
−18.08%
1Y
−28.24%
YTD
−22.80%
Financials
Revenue, profit & margin
P/E ratio
8.6×
IOB is 20% above the sector median of 7.1×
IOB8.6×
Sector median7.1×
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5,821 | 6,176 | 6,629 | 6,535 | 6,851 | 7,112 | 7,634 | 7,386 | 7,849 | 8,172 | 8,489 | 8,778 | 9,201 | |
| Interest | 3,475 | 3,778 | 3,866 | 4,094 | 4,313 | 4,323 | 4,511 | 4,639 | 4,790 | 4,874 | 5,019 | 5,090 | 5,334 | |
| Expenses | 2,827 | 2,581 | 4,047 | 2,736 | 3,189 | 2,849 | 3,150 | 2,713 | 2,697 | 3,430 | 3,102 | 3,989 | 3,027 | |
| Financing Profit | -481 | -183 | -1,284 | -295 | -652 | -60 | -27 | 33 | 362 | -132 | 368 | -301 | 840 | |
| Financing Margin % | -8% | -3% | -19% | -5% | -10% | -1% | -0% | 0% | 5% | -2% | 4% | -3% | 9% | |
| Other Income | 1,114 | 1,262 | 2,477 | 1,033 | 1,633 | 1,298 | 1,581 | 1,481 | 1,365 | 1,499 | 1,291 | 2,160 | 1,227 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Profit before tax | 633 | 1,079 | 1,193 | 738 | 982 | 1,237 | 1,554 | 1,514 | 1,728 | 1,367 | 1,659 | 1,859 | 2,066 | |
| Tax % | 1% | 33% | 32% | 14% | 21% | 29% | 32% | 27% | 29% | 0% | 9% | 11% | 7% | |
| Net Profit | 625 | 723 | 808 | 633 | 777 | 874 | 1,051 | 1,111 | 1,226 | 1,365 | 1,505 | 1,659 | 1,912 | |
| EPS in Rs | 0.33 | 0.38 | 0.43 | 0.33 | 0.41 | 0.46 | 0.55 | 0.58 | 0.64 | 0.71 | 0.78 | 0.86 | 0.99 | |
| Gross NPA % | 4.74% | 3.90% | 3.10% | 2.89% | 2.72% | 2.55% | 2.14% | 1.97% | 1.83% | 1.54% | 1.42% | 1.33% | 1.19% | |
| Net NPA % | 0.68% | 0.62% | 0.57% | 0.51% | 0.47% | 0.42% | 0.37% | 0.32% | 0.28% | 0.24% | 0.21% | 0.18% | 0.16% | |
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −0.30% · closed higher next day 16 of last 58
| Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26† | Q4FY26† | Q1FY27 | Q2FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 24 Jan '24◦ | 10 May '24 | 22 Jul '24 | 17 Oct '24◦ | 20 Jan '25◦ | 2 May '25◦ | 18 Jul '25 | 16 Oct '25 | 14 Jan '26 | 29 Apr '26◦ | 20 Jul '26 | 26 Oct '26 |
| Earnings day | −0.65% | +1.39% | +0.51% | −0.79% | −2.51% | −0.77% | −0.10% | −1.14% | +2.09% | +0.57% | +3.40% | −3.95% |
| +1 day | +5.21% | −0.98% | −1.26% | −4.61% | −4.23% | −6.42% | +0.05% | −3.48% | +2.01% | +0.09% | +4.14% | −4.48% |
| +5 days | +21.93% | +1.47% | +5.92% | −10.27% | −5.77% | −1.69% | −3.46% | +0.37% | −1.72% | +0.57% | +0.80% | — |
| +15 days | +48.32% | +12.67% | −5.57% | −6.00% | −5.69% | +0.74% | −10.09% | −2.73% | −1.58% | −3.43% | +0.09% | — |
| +30 days | +38.44% | +7.70% | −6.22% | +5.36% | −18.15% | −0.98% | +0.43% | −4.25% | +3.05% | −4.58% | −4.08% | — |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
Last 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
as of Sep 202692.44%Promoter
Promoters92.44%
FIIs0.48%0.01
DIIs4.29%
Public2.80%
Ownership trend
Peers
8 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| SBI | ₹961.85 | 10.57 | 8,87,861 | 1.80% | 25,121 | +13.73% | 1,36,240 | +8.36% | 6.13% |
| Union Bank (I) | ₹186.00 | 6.45 | 1,41,985 | 2.69% | 5,781 | +30.62% | 28,378 | +8.29% | 6.30% |
| Punjab Natl.Bank | ₹122.85 | 6.18 | 1,41,191 | 2.44% | 5,918 | +15.08% | 35,267 | +8.47% | 6.13% |
| Bank of Baroda | ₹238.60 | 5.21 | 1,23,389 | 3.56% | 6,792 | +31.24% | 37,021 | +11.11% | 5.63% |
| Indian Bank | ₹865.50 | 8.82 | 1,16,580 | 2.11% | 3,541 | +13.92% | 19,149 | +15.16% | 6.32% |
| Canara Bank | ₹117.54 | 5.23 | 1,06,616 | 3.57% | 5,383 | +10.96% | 35,162 | +9.63% | 6.52% |
| Bank of Maha | ₹81.36 | 7.82 | 62,578 | 2.70% | 2,136 | +28.04% | 8,606 | +20.73% | 6.03% |
| I O B | ₹28.74 | 8.59 | 55,343 | 0.00% | 1,912 | +55.94% | 9,201 | +17.23% | 6.07% |
| Median: 12 Co. | ₹120.19 | 7.13 | 84,597 | 2.56% | 3,426 | +27.41% | 20,259 | +12.32% | 6.05% |
Filings
Annual reports15
Concall transcripts57
PPTOct 2026TranscriptJul 2026PPTJul 2026RECJul 2026TranscriptMay 2026PPTMay 2026PPTMar 2026TranscriptJan 2026PPTJan 2026RECJan 2026PPTNov 2025TranscriptOct 2025PPTOct 2025RECOct 2025TranscriptAug 2025PPTAug 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptJan 2025PPTJan 2025PPTOct 2024TranscriptJul 2024PPTJul 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Newspaper Publication 28 OctAnnouncement under Regulation 30 (LODR)-Change in Management 27 Oct - Indian Overseas Bank appoints Akshit Choudhary as CFO effective 01.11.2026, replacing Madhaw Chandra Jha.Announcement under Regulation 30 (LODR)-Investor Presentation 26 OctAnnouncement under Regulation 30 (LODR)-Press Release / Media Release 26 Oct - IOB Q2 FY27 net profit rose 55.95% to ₹1,912 crore; H1 net profit reached ₹3,572 crore.Compliances-Reg. 54 - Asset Cover details 26 Oct - Bank filed NIL security cover certificate for September 30, 2026; all listed non-convertible debt is unsecured.