Indian Overseas Bank

₹32.41

1 (3.3%)

IOB Share Price

Banks

As on April 1, 2026

SectorFinancial Services

IndustryBanks

Basic IndustryPublic Sector Bank

Market Cap₹ 62,458 Cr

P/E Ratio18.72

Dividend YieldN/A

Trendline Performance

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Technicals

Indicators	Value	Signal
5-DMA	32.3	Bullish
10-DMA	32.36	Bullish
20-DMA	33.03	Bearish
50-DMA	34.44	Bearish
100-DMA	35.79	Bearish
200-DMA	37.29	Bearish

Historical Performance

1 Year

-14%

3 Years

44.4%

5 Years

91.2%

10 Years

3.7%

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Interest Earned	2,81,436	2,40,657	1,94,070	1,67,358	1,69,756
Other Income	56,067	56,653	41,164	49,053	54,856
Operating Expenses	77,563	87,305	64,298	54,590	55,690
Profit Before Tax	---	2,75,864	2,21,719	2,06,646	2,20,169
Consolidated Net Profit	33,955	26,657	21,040	17,093	7,584
Adjusted EPS	2	1	1	1	---

Compounded Sales Growth

10 Years:3.3

5 Years:10.1

3 Years:11

TTM:3.2

Compounded Profit Growth

10 Years:20.5

5 Years:-32.9

3 Years:14.3

TTM:4.7

Stock Price CAGR

10 Years:0.4

5 Years:13.8

3 Years:13

TTM:-13.4

Return on Equity

10 Years:-16

5 Years:0.5

3 Years:1.1

last year:1.7

Quarterly Results

Below figures are in Rs. Crores

Particulars	Sep-2024	Dec-2024	Mar-2025	Jul-2025	Sep-2025
Sales	1,70,754	1,35,936	1,28,552	1,22,189	1,05,161
Expenses	63,042	56,557	52,457	45,459	34,856
Operating Profit	1,07,712	79,379	76,096	76,730	70,304
OPM %	63%	58%	59%	63%	67%
Other Income	33,912	31,759	27,333	24,879	18,947
Interest	77,780	58,584	59,248	62,137	53,713
Depreciation	2,345	1,681	1,385	1,277	1,221
Profit Before Tax	61,498	50,873	42,796	38,195	34,318
Tax %	25%	25%	26%	29%	35%
Net Profit	46,149	38,151	31,857	27,296	22,446
EPS in Rs	83	69	58	50	42

Balance Sheet

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Share Capital	1,92,566	1,89,024	1,89,024	1,89,024	1,66,468
Total Reserves	1,29,768	86,590	59,736	36,953	4,519
Total Liabilities	39,47,080	35,18,693	31,34,380	29,90,300	27,42,290
Investments	11,05,880	9,91,939	9,36,425	9,76,408	9,54,849
Other Fixed Assets	31,938	29,697	27,171	22,162	21,259
Capital Work in Progress	742	145	1	1	11
Other Assets	1,26,904	1,67,902	1,71,966	1,68,183	1,71,016
Total Assets	39,47,080	35,18,693	31,34,380	29,90,300	27,42,290

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a moderate PE of 18.72, suggesting fair valuation relative to earnings.
Over the last three years, the stock delivered a moderate 3-year price CAGR of 11.8%, reflecting average market performance.
The stock carries a beta of 1.2, indicating volatility broadly in line with the market.
In the last financial year, the company reported an EBITDA of ₹45117 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹281310 million, indicating a large and established business.

Investment Calculator

Investment Amount:

₹

Investment Amount: ₹ 1000000

Current Value: ₹ 865883

No. of Shares: 26717 (Approx)

Performance:-13.4%

P/L: ₹-134117

NIFTY Performance: -2.8%

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