Indian Overseas Bank

NSE: IOB · Financial Services

₹30.56-0.65%06 Nov 2026

Ask the data

Instant answers about Indian Overseas Bank — computed from its filings, no language model

Market cap₹58,848 cr

Current price₹30.56

High / Low₹40 / ₹29

P/E8.8

P/B1.46

Book value₹20.9

ROE16.5%

ROCE—

Debt / equity—

Dividend yield—

EPS (TTM)₹3.46

Face value₹10

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

	FY22	FY23	FY24	FY26
Total income	21,641	23,523	29,731	37,532
Pre-provision op. profit	5,763	5,947	6,774	10,026
Operating margin	26.6%	25.3%	22.8%	26.7%
Interest	10,419	11,146	14,226	19,322
Profit before tax	1,779	2,353	3,423	6,268
Tax	70	249	757	1,060
Net profit	1,709	2,104	2,666	5,418
EPS ₹	0.92	0.00	1.40	2.81
Operating cash flow	5,539	-15,584	-1,119	4,780
Capex	56	582	365	646
Dividend paid	0	0	0	0
Total assets	—	—	3,51,869	4,72,795
Equity	—	—	27,561	36,991

Quarterly performance

last 16 quarters · ₹ crore

showing latest 8 of 16 periods

	MAR '22	SEP '22	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	5,721	5,854	6,008	6,631	6,234	6,942	7,443	9,113	7,587	8,490	8,415	9,216	9,672	9,780	10,938	10,428
Pre-provision op. profit	1,614	1,493	1,540	1,887	1,349	1,680	1,782	1,964	1,692	2,131	2,268	2,402	2,603	2,665	2,693	3,016
Operating margin	28.2%	25.5%	25.6%	28.5%	21.6%	24.2%	23.9%	21.5%	22.3%	25.1%	26.9%	26.1%	26.9%	27.3%	24.6%	28.9%
Other income	1,505	1,135	951	1,436	807	1,117	1,263	2,479	1,048	1,636	1,299	1,365	1,499	1,291	2,160	1,227
Interest	2,605	2,764	2,784	2,917	3,102	3,477	3,780	3,868	4,096	4,315	4,324	4,790	4,874	5,019	5,090	5,334
Profit before tax	600	505	560	891	511	636	1,080	1,196	754	984	1,239	1,729	1,367	1,659	1,859	2,066
Tax	48	5	5	236	7	8	356	386	105	205	364	501	2	154	200	154
Net profit	552	500	555	656	504	627	724	810	649	780	875	1,259	1,427	1,556	1,716	1,963
EPS ₹	0.29	0.27	0.80	0.00	0.26	0.00	0.38	0.43	0.33	0.42	0.46	0.65	0.71	0.81	0.89	1.02
Revenue YoY	—	—	—	15.9%	—	18.6%	23.9%	37.4%	21.7%	22.3%	13.1%	8.6%	14.9%	—	—	13.1%
Profit YoY	—	—	—	18.8%	—	25.4%	30.5%	23.6%	28.7%	24.3%	20.9%	61.5%	63.1%	—	—	55.9%

Earlier results (standalone, Sep '07 – Dec '21)

₹ crore · from BSE, before the NSE XBRL filings begin

Indian Overseas Bank reports consolidated figures above. Quarterly consolidated results only became mandatory in India in 2019, so the earlier history available is the standalone company only (excluding subsidiaries). It is shown separately so the two bases are never mixed.

Full years

showing latest 8 of 13 periods

	FY09†	FY10†	FY11†	FY12†	FY13†	FY14†	FY15†	FY16†	FY17†	FY18†	FY19†	FY20†	FY21†
Total income	11,169	11,389	13,327	19,585	22,663	24,853	26,077	26,046	23,091	21,662	21,838	20,712	22,525
Pre-provision op. profit	2,456	1,845	2,861	3,534	3,817	3,997	3,322	2,885	3,650	3,629	5,034	3,480	5,896
Operating margin	22.0%	16.2%	21.5%	18.0%	16.8%	16.1%	12.7%	11.1%	15.8%	16.8%	23.1%	16.8%	26.2%
Other income	1,359	1,144	1,225	1,681	1,973	2,169	2,139	2,528	3,373	3,746	4,206	3,306	5,559
Interest	6,772	7,078	7,893	12,888	15,438	17,107	18,554	18,135	14,529	12,448	12,352	12,103	11,067
Profit before tax	1,954	979	1,592	1,298	747	843	111	-3,728	-3,381	-8,632	-5,961	-8,398	840
Tax	629	272	520	248	180	241	566	-831	36	-2,332	-2,223	130	8
Net profit	1,326	707	1,073	1,050	567	602	-454	-2,897	-3,417	-6,299	-3,738	-8,527	831

Quarters

showing latest 8 of 58 periods

	SEP '07†	DEC '07†	MAR '08†	JUN '08†	SEP '08†	DEC '08†	MAR '09†	JUN '09†	SEP '09†	DEC '09†	MAR '10†	JUN '10†	SEP '10†	DEC '10†	MAR '11†	JUN '11†	SEP '11†	DEC '11†	MAR '12†	JUN '12†	SEP '12†	DEC '12†	MAR '13†	JUN '13†	SEP '13†	DEC '13†	MAR '14†	JUN '14†	SEP '14†	DEC '14†	MAR '15†	JUN '15†	SEP '15†	DEC '15†	MAR '16†	JUN '16†	SEP '16†	DEC '16†	MAR '17†	JUN '17†	SEP '17†	DEC '17†	MAR '18†	JUN '18†	SEP '18†	DEC '18†	MAR '19†	JUN '19†	SEP '19†	DEC '19†	MAR '20†	JUN '20†	SEP '20†	DEC '20†	MAR '21†	JUN '21†	SEP '21†	DEC '21†
Total income	2,105	2,295	2,468	2,187	2,643	3,205	3,134	2,809	2,922	2,829	2,830	2,882	3,075	3,453	3,917	4,332	4,823	5,015	5,415	5,403	5,515	5,847	5,898	6,187	6,000	6,190	6,476	6,285	6,441	6,647	6,704	6,672	6,770	6,446	6,158	5,868	5,962	5,600	5,662	5,174	5,610	5,062	5,814	5,327	5,348	5,689	5,474	5,006	5,024	5,198	5,484	5,234	5,431	5,787	6,074	5,155	5,376	5,384
Pre-provision op. profit	458	493	642	241	534	868	813	429	555	406	456	464	616	804	977	803	907	822	1,002	847	807	1,017	1,146	1,054	791	961	1,191	686	729	726	1,180	556	990	625	714	691	1,064	855	1,041	777	1,039	685	1,129	1,132	1,304	1,466	1,132	828	746	762	1,144	1,094	1,346	1,731	1,724	1,202	1,419	1,527
Operating margin	21.8%	21.5%	26.0%	11.0%	20.2%	27.1%	25.9%	15.3%	19.0%	14.4%	16.1%	16.1%	20.0%	23.3%	24.9%	18.5%	18.8%	16.4%	18.5%	15.7%	14.6%	17.4%	19.4%	17.0%	13.2%	15.5%	18.4%	10.9%	11.3%	10.9%	17.6%	8.3%	14.6%	9.7%	11.6%	11.8%	17.8%	15.3%	18.4%	15.0%	18.5%	13.5%	19.4%	21.3%	24.4%	25.8%	20.7%	16.5%	14.8%	14.7%	20.9%	20.9%	24.8%	29.9%	28.4%	23.3%	26.4%	28.4%
Other income	174	219	352	-30	216	551	623	231	372	259	282	215	275	351	384	339	427	411	504	377	411	514	671	785	331	453	601	278	478	588	794	535	774	533	686	653	970	718	1,032	987	965	808	987	1,078	1,065	1,146	917	670	748	846	1,042	932	1,068	1,543	2,016	1,092	1,121	1,186
Interest	1,298	1,420	1,434	1,491	1,642	1,831	1,807	1,809	1,765	1,776	1,727	1,761	1,844	1,971	2,317	2,805	3,129	3,383	3,571	3,698	3,858	3,952	3,931	4,086	4,217	4,339	4,464	4,580	4,618	4,702	4,654	4,808	4,598	4,565	4,164	3,970	3,706	3,547	3,306	3,163	3,125	3,065	3,095	3,040	3,075	3,159	3,077	3,048	3,072	3,073	2,910	2,890	2,801	2,722	2,654	2,567	2,622	2,626
Profit before tax	450	456	402	302	422	695	536	445	350	187	-4	305	311	446	531	258	270	155	615	326	255	206	-40	211	171	149	311	387	-163	-457	344	-107	-398	-1,271	-1,952	-1,447	-634	-551	-749	-831	-1,200	-955	-5,645	-1,269	-712	-609	-3,370	-330	-2,250	-5,902	83	125	154	218	344	334	383	462
Tax	130	148	96	46	63	306	213	144	174	86	-132	104	104	214	97	52	63	47	86	93	97	90	-99	86	39	74	43	115	83	59	308	-122	153	154	-1,016	3	132	3	-102	-332	23	16	-2,039	-349	-225	-263	-1,385	12	4	174	-60	4	6	5	-6	7	7	8
Net profit	320	308	306	256	359	388	322	302	176	102	127	200	206	232	434	206	207	108	529	233	158	116	59	126	133	75	268	272	-246	-516	36	15	-551	-1,425	-936	-1,450	-765	-554	-647	-499	-1,222	-971	-3,607	-919	-487	-346	-1,985	-342	-2,254	-6,075	144	121	148	213	350	327	376	454
EPS ₹	5.87	5.66	5.62	4.70	5.36	7.13	5.92	5.54	3.23	1.87	2.34	3.68	3.78	4.25	7.88	3.32	3.35	1.75	8.47	2.93	1.99	1.46	0.72	1.36	1.43	0.78	2.29	2.20	-1.99	-4.18	0.29	0.12	-4.46	-8.67	-5.56	-7.86	-4.02	-2.26	-2.63	-2.03	-4.72	-3.40	-12.25	-1.88	-1.00	-1.00	-3.06	-0.37	-2.47	-5.83	0.10	0.07	0.09	0.13	0.21	0.19	0.20	0.24
Revenue YoY	—	—	—	—	25.6%	39.6%	27.0%	28.4%	10.6%	-11.7%	-9.7%	2.6%	5.2%	22.1%	38.4%	50.3%	56.8%	45.3%	38.3%	24.7%	14.4%	16.6%	8.9%	14.5%	8.8%	5.9%	9.8%	1.6%	7.4%	7.4%	3.5%	6.2%	5.1%	-3.0%	-8.1%	-12.0%	-11.9%	-13.1%	-8.1%	-11.8%	-5.9%	-9.6%	2.7%	2.9%	-4.7%	12.4%	-5.9%	-6.0%	-6.1%	-8.6%	0.2%	4.5%	8.1%	11.3%	10.8%	-1.5%	-1.0%	-7.0%
Profit YoY	—	—	—	—	12.3%	26.0%	5.4%	17.9%	-51.0%	-73.8%	-60.5%	-33.6%	17.1%	127.8%	240.8%	2.6%	0.6%	-53.3%	21.8%	13.6%	-23.6%	7.6%	-88.9%	-46.1%	-16.3%	-35.6%	355.9%	116.0%	-285.2%	-787.4%	-86.8%	-94.6%	—	—	-2736.4%	-9927.2%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	143.3%	170.6%	154.1%	113.3%

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 9 periods

	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	JUN '26	SEP '26
ROE	9.3%	9.0%	9.7%	9.7%	10.2%	10.5%	11.1%	16.1%	16.5%
Net margin	9.0%	9.1%	9.2%	9.0%	9.0%	9.1%	9.3%	15.0%	16.3%
EBITDA margin	25.4%	25.0%	24.6%	22.8%	22.9%	23.2%	24.0%	26.2%	26.9%
Asset turnover	0.07	0.08	0.08	0.08	0.09	0.09	0.09	0.08	0.08

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 7 periods

	SEP '22	SEP '23	MAR '24	SEP '24	SEP '25	MAR '26	SEP '26
Share capital	18,902	18,902	18,902	18,902	19,257	19,257	19,257
Reserves	5,003	7,074	8,659	9,202	14,975	17,734	21,080
Total equity	23,905	25,976	27,561	28,105	34,231	36,991	40,337
Deposits	2,61,728	2,73,261	2,86,121	3,10,770	3,39,066	3,68,191	4,07,428
Borrowings	11,382	29,529	30,387	28,764	46,433	51,603	49,760
Total assets	3,58,714	3,36,349	3,51,869	3,76,363	4,31,883	4,72,795	5,17,448
Advances	1,62,072	2,00,291	2,13,330	2,24,926	2,73,640	3,06,622	3,42,061
Investments	94,879	95,608	99,194	1,06,953	1,15,953	1,19,285	1,24,649
Fixed assets	3,578	3,775	3,740	3,736	4,989	5,075	5,028
Cash & bank balances	25,799	19,076	18,815	22,996	23,512	25,223	25,545

Cash flow

annual · ₹ crore · line = free cash flow

	FY22	FY23	FY24	FY26
Cash from operations	5,539	-15,584	-1,119	4,780
Cash from investing	-49	-560	-359	-639
Cash from financing	479	13	-528	-138
Capex	56	582	365	646
Free cash flow	5,483	-16,166	-1,484	4,134
Dividends paid	0	0	0	0

Where the assets sit

Sep '26 · ₹ crore

Advances

₹3,42,061 cr66%

Investments

₹1,24,649 cr24%

Fixed assets

₹5,028 cr1%

Cash & bank

₹25,545 cr5%

Other assets

₹20,165 cr4%

Peer comparison

largest in Financial Services · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
HDFC Bank Ltd.	12,15,371	788.25	15.2	2.01	13.3%
ICICI Bank Ltd.	11,28,090	1,571.20	19.1	2.75	14.4%
State Bank of India	9,40,157	1,018.50	10.4	1.36	13.1%
Bajaj Finance Ltd.	6,77,005	1,087.75	—	—	—
Kotak Mahindra Bank Ltd.	4,77,499	480.00	22.2	2.45	11.0%
Axis Bank Ltd.	4,11,911	1,322.90	13.8	1.79	13.0%
Shriram Finance Ltd.	2,26,163	961.15	—	—	—
BSE Ltd.	1,55,002	3,800.00	50.3	19.49	38.8%
Cholamandalam Investment and Finance Company Ltd.	1,53,126	1,785.00	—	—	—
Jio Financial Services Ltd.	1,52,665	231.20	—	—	—
Indian Overseas Bank	58,848	30.56	8.8	1.46	16.5%

StoxGud checklist: Neutral setup · 5/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month-1.5%

6 months-13.1%

1 year-24.5%

3Y CAGR-8.4%

5Y CAGR+7.4%

10Y CAGR+1.8%

50-day avg₹31.33

200-day avg₹33.49

RSI (14)47

Compare Indian Overseas Bank with

Bank of India vs Indian Overseas Bank Indian Overseas Bank vs RBL Bank Indian Overseas Bank vs SBI Cards and Payment Services Indian Overseas Bank vs Yes Bank

FAQs

What is the share price of Indian Overseas Bank?

Indian Overseas Bank (IOB) closed at ₹30.56 on NSE on 06 Nov 2026.

What is the market cap of Indian Overseas Bank?

₹58,848 crore at the latest close.

What is the P/E ratio of Indian Overseas Bank?

8.8, on trailing-twelve-month earnings from its filings.

How fast is Indian Overseas Bank growing?

Indian Overseas Bank: revenue has compounded at 20.1% a year over three years; net profit at 46.9% a year. Latest-quarter revenue is up 13.1% year on year, profit up 55.9%.

How profitable is Indian Overseas Bank?

On a trailing-twelve-month basis return on equity is 16.5%, operating margin 26.9%, net margin 16.3%.

How much debt does Indian Overseas Bank have?

Debt to equity isn't meaningful for Indian Overseas Bank (banks borrow as part of their business) or isn't filed yet.

Financials parsed from Indian Overseas Bank's own XBRL filings to NSE (consolidated), ₹ crore unless marked. Quarterly from MAR '22, annual from FY22, balance sheet from Sep '22. * = derived (full year or half year minus earlier quarters). Information only, not investment advice.