āagman

Not investment advice. Data and computed figures, for information only.

Indian Overseas Bank

NSE: IOB
₹30.74
−₹0.57 (−1.82%)
NSE · 15 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹58,887 Cr
CMP
₹30.74
52-wk High / Low
₹42 / 30
P/E
9.9
P/B
1.5
Book Value
₹20.2
Div Yield
0.00%
ROCE
6.1%
ROE
16.0%
Face Value
₹10
D/E
11.35

Price−23.6% over 1Y

āagman read

Computed by āagman
Derived from 7 years and 13 quarters of filings. Not reported by the company.
As of 15 Oct 2026
How we compute these
Piotroski F-Score
4
/ 9
4 of 9 F-score tests passed
Graham Number
₹36
√(22.5 × EPS × book value per share)
Cash flow to profit
0.88
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
16.0%
ROE × earnings retention ratio
ROE stability
2.5
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII +0.04DII +0.01
Latest quarter vs the previous one
Cash-accrual divergence
0.1%
of assets
Low = accruals track cash flow
Strengths
+FII holding rose by 0.3pp over the last year
+PE of 9.9x is below the sector median of 20.4x
Watch-outs
−Latest ROCE of 6.1% trails the sector median of 9.4%
−Price trades below its 200-day moving average (0.9x)
−Promoter holding fell by 3.9pp over the last year

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Consolidated basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales5,4275,8256,1806,6346,5396,8547,1167,6357,3877,8518,1728,4898,778
Expenses2,6212,8292,5834,0492,7383,1912,8523,1522,7142,6983,4303,1023,989
Operating Profit—————————————
OPM %—————————————
Other Income8071,1171,2632,4791,0331,6341,2981,5811,4801,3651,4991,2912,160
Interest3,1023,4773,7803,8684,0964,3154,3244,5104,6394,7904,8745,0195,090
Depreciation0000000000000
Profit before tax5116361,0801,1967399821,2381,5541,5151,7291,3671,6591,859
Net Profit5046277248106497808751,0921,1781,2591,4271,5561,716
EPS (₹)0.270.330.380.430.340.410.460.570.610.650.740.810.89

Profit & Loss

As of 30 Jun 2026
Consolidated · ₹ Cr · 7 years + TTM
Mar 2002Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales3,17116,97616,73619,40724,06628,14431,89633,290
Expenses1,27310,3679,2709,76311,74611,53811,42113,218
Operating Profit————————
OPM %————————
Other Income5365,4864,9054,1165,6655,6075,8476,316
Interest2,20311,06910,41911,14614,22617,24419,32219,773
Depreciation02581732603363955210
Profit before tax2317671,7792,3533,4234,5736,4786,615
Net Profit2317581,7092,1042,6663,3965,4185,958
EPS (₹)—0.460.901.111.411.762.813.09

Balance Sheet

As of 30 Jun 2026
Consolidated · ₹ Cr
Mar 2002Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital44516,64718,90218,90218,90219,25719,257—
Reserves6544523,6955,9748,65912,97717,734—
Other Liabilities2,38913,10611,1486,7857,7999,04516,011—
Total Liabilities35,4772,74,2292,99,0303,13,4383,51,8693,94,7104,72,795—
Fixed Assets3872,9183,3663,7113,7264,5815,007—
CWIP0100147467—
Investments15,01595,48597,64193,64399,1941,10,5881,19,285—
Other Assets20,0751,75,8251,98,0232,16,0852,48,9352,79,4673,48,436—
Total Assets35,4772,74,2292,99,0303,13,4383,51,8693,94,7104,72,795—
Deposits31,8082,40,3532,62,2142,60,9742,86,1213,11,2043,68,191—
Borrowing1803,6723,07120,80430,38742,22851,603—

Cash Flows

As of 31 Mar 2026
Consolidated · ₹ Cr
Mar 2002Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity—4,9495,539−13,655−1,1192,6474,780
Cash from Investing Activity—−46−49−560−359−579−639
Cash from Financing Activity—1,813479−1,916−528337−138
Net Cash Flow—6,7165,969−16,130−2,0062,4054,003

Ratios

As of 31 Mar 2026
7 periods
Mar 2002Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %——————6.1
ROE %21.04.09.09.010.011.016.0
EPS (₹)—0.460.901.111.411.762.81
Book Value (₹)——————20.2
Face Value (₹)——————10
P/E——————9.9
Div Yield %——————0.00
NPM %6.23.47.98.99.010.114.4
OPM %———————
D/E29.1114.2711.7411.3311.4810.9611.35
P/B——————1.5

Growth

As of 11 Oct 2026
Compounded sales growth
5 years+13.0%
3 years+18.0%
TTM+15.0%
Compounded profit growth
5 years+48.0%
3 years+37.0%
TTM+52.0%
Stock price CAGR
10 years+2.0%
5 years+6.0%
3 years−12.0%
Last year−24.0%
Return on equity
5 years11.0%
3 years13.0%
Last year16.0%

Shareholding pattern

As of 31 Mar 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters79.56%79.56%89.74%92.52%95.84%95.84%96.38%96.38%96.38%94.61%92.44%92.44%
FIIs0.81%0.81%0.54%0.27%0.18%0.07%0.08%0.14%0.05%0.22%0.43%0.47%
DIIs12.83%12.83%5.99%3.18%1.66%1.59%1.31%1.35%1.29%2.59%4.28%4.29%
Government————————————
Public6.80%6.80%3.73%4.04%2.32%2.50%2.23%2.11%2.28%2.58%2.85%2.80%
No. of shareholders2,54,3762,54,3762,50,8162,71,9472,73,8603,78,5864,73,8975,09,59910,06,1859,77,8639,68,2989,55,025
Change since Jun 2023 (pp)
Promoters +12.88FIIs −0.34DIIs −8.54Public −4.00

Documents

As of 11 Oct 2026
Announcements
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Announcement under Regulation 30 (LODR)-Interest Rates UpdatesAnnouncement under Regulation 30 (LODR)-Credit RatingCompliances-Half Yearly Report (SEBI Circular No. CIR/IMD/DF-1/67/2017)Closure of Trading Window
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Jul 2026TranscriptJul 2026PPTJul 2026RecordingMay 2026TranscriptMay 2026PPTMar 2026PPTJan 2026TranscriptJan 2026PPTJan 2026RecordingNov 2025PPT

Corporate actions

As of 19 Jun 2014
19 Jun 2014DIVIDENDAnnual General Meeting / Final Dividend - Re 0.50/- Per Share—
10 Feb 2014DIVIDENDInterim Dividend - Re 0.70/- Per Share—
20 Jun 2013DIVIDENDFinal Dividend Rs.2/- Per Equity Share—
21 Jun 2012DIVIDENDAnnual General Meeting And Dividend Rs.4.50 Per Share—
4 Jul 2011DIVIDENDDividend-Rs.5/- Per Share—
26 May 2010DIVIDENDDividend-Rs.3.50 Pr Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman