Indian Overseas Bank

₹30.38

-0.6 (-1.9%)

IOB Share Price

Banks

As on October 1, 2026

SectorFinancial Services

IndustryBanks

Basic IndustryPublic Sector Bank

Market Cap₹ 58,482.3 Cr

P/E Ratio11.23

Dividend YieldN/A

Trendline Performance

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Technicals

Indicators	Value	Signal
5-DMA	31.2	Bearish
10-DMA	31.62	Bearish
20-DMA	32.25	Bearish
50-DMA	33.03	Bearish
100-DMA	33.47	Bearish
200-DMA	34.12	Bearish

Historical Performance

1 Year

-23.2%

3 Years

-35%

5 Years

35%

10 Years

19.4%

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2026	Mar-2025	Mar-2024	Mar-2023	Mar-2022
Interest Earned	3,18,957	2,81,436	2,40,657	1,94,070	1,67,358
Other Income	58,469	56,067	56,653	41,164	49,053
Operating Expenses	81,840	77,563	87,305	64,298	54,590
Profit Before Tax	3,03,626	---	2,75,864	2,21,719	2,06,646
Consolidated Net Profit	54,185	33,955	26,657	21,040	17,093
Adjusted EPS	3	2	1	1	1

Compounded Sales Growth

10 Years:6.3

5 Years:13.5

3 Years:10.5

TTM:2.5

Compounded Profit Growth

10 Years:-9

5 Years:44.3

3 Years:19.9

TTM:9.3

Stock Price CAGR

10 Years:1.6

5 Years:6.2

3 Years:-14.4

TTM:-23.9

Return on Equity

10 Years:-13.9

5 Years:0.9

3 Years:1.4

last year:2.7

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-2026	Mar-2025	Mar-2024	Mar-2023	Mar-2022
Share Capital	1,92,566	1,92,566	1,89,024	1,89,024	1,89,024
Total Reserves	1,77,341	1,29,768	86,590	59,736	36,953
Total Liabilities	47,27,952	39,47,100	35,18,693	31,34,380	29,90,300
Investments	11,92,849	11,05,880	9,91,939	9,36,425	9,76,408
Other Fixed Assets	34,928	31,799	29,697	27,171	22,162
Capital Work in Progress	674	742	145	1	1
Other Assets	1,65,914	1,26,924	1,67,902	1,71,966	1,68,183
Total Assets	47,27,952	39,47,100	35,18,693	31,34,380	29,90,300

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a moderate PE of 11.23, suggesting fair valuation relative to earnings.
Over the last three years, the stock delivered a weak 3-year price CAGR of -14.4%, indicating poor shareholder returns.
The stock carries a beta of 1.1, indicating volatility broadly in line with the market.
In the last financial year, the company reported an EBITDA of ₹62680 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹318957 million, indicating a large and established business.

Investment Calculator

Investment Amount:₹

Investment Amount: ₹ 1000000

Current Value: ₹ 761594.4

No. of Shares: 25069 (Approx)

Performance:-23.8%

-238405.6

NIFTY Performance: -9.9%

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