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Indian Overseas Bank
(IOB)
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Rating:58Neutral
Price Target:
₹35.00
▲(3.37% Upside)
Action:Reiterated
Date:08/04/26
The score is primarily held back by financial-quality risks: highly volatile cash flows (including multiple negative years) and a recent step-up in leverage, despite a strong improvement in profitability. Technical signals are neutral-to-soft with limited momentum, while valuation is moderately supportive based on a ~11x P/E but without dividend yield data.
Positive Factors
Improving Profitability
A multi-year earnings recovery provides a stronger earnings buffer and internal capital generation. Durable profit improvement supports higher loan loss absorption, reinvestment in digital/branches and long-term capacity to fund growth without reliance on volatile external equity.
Negative Factors
Volatile Cash Generation
Highly erratic operating and free cash flows reduce predictability of internal funding for loans, capex and dividends. Such whipsaw patterns raise reliance on external funding in weak years and complicate provisioning and capital planning, posing a structural execution risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability
A multi-year earnings recovery provides a stronger earnings buffer and internal capital generation. Durable profit improvement supports higher loan loss absorption, reinvestment in digital/branches and long-term capacity to fund growth without reliance on volatile external equity.
Read all positive factors
Indian Overseas Bank (IOB) vs. iShares MSCI India ETF (INDA)
Market Cap
₹645.48B
Dividend Yield1.52%
Average Volume (3M)233.91K
Price to Earnings (P/E)10.9
Beta (1Y)1.39
Revenue Growth13.06%
EPS Growth50.61%
CountryIN
Employees21,034
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.06
Shares Outstanding19,256,590,000
10 Day Avg. Volume282,647
30 Day Avg. Volume233,909
Financial Highlights & Ratios
PEG Ratio0.19
Price to Book (P/B)1.69
Price to Sales (P/S)1.66
P/FCF Ratio3.46
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Indian Overseas Bank Business Overview & Revenue Model
Company Description
Established in Chennai, India, in 1937, Indian Overseas Bank provides a comprehensive suite of banking and financial services, operating both domestically and in select international markets. Its core activities are divided across distinct segment...
How the Company Makes Money
IOB primarily makes money through (1) net interest income and (2) non-interest (fee and other) income. Net interest income is earned from the spread between interest received on earning assets—mainly loans and advances to retail customers, MSMEs, ...
Indian Overseas Bank Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
32
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 371.69B | 377.40B | 337.49B | 297.29B | 235.22B | 216.40B |
| Gross Profit | 160.85B | 146.63B | 165.04B | 155.02B | 123.76B | 112.20B |
| EBITDA | 68.21B | 67.89B | 37.91B | 30.02B | 23.64B | 18.82B |
| Net Income | 59.58B | 54.18B | 33.96B | 26.66B | 21.04B | 17.09B |
Balance Sheet | ||||||
| Total Assets | 4.80T | 4.73T | 3.95T | 3.52T | 3.13T | 2.99T |
| Cash, Cash Equivalents and Short-Term Investments | 197.36B | 252.23B | 212.20B | 188.15B | 208.21B | 369.51B |
| Total Debt | 472.40B | 516.03B | 402.82B | 233.87B | 208.04B | 30.71B |
| Total Liabilities | 4.42T | 4.36T | 3.62T | 3.24T | 2.89T | 2.76T |
| Stockholders Equity | 389.46B | 369.91B | 322.33B | 275.61B | 248.76B | 225.98B |
Cash Flow | ||||||
| Free Cash Flow | -248.21B | 180.41B | -235.81B | -14.84B | -161.66B | 54.83B |
| Operating Cash Flow | -243.43B | 186.87B | -229.78B | -11.19B | -155.84B | 55.39B |
| Investing Cash Flow | -4.66B | -713.25B | -5.79B | -3.59B | -5.60B | -492.94M |
| Financing Cash Flow | 271.01B | 566.41B | 259.61B | -5.28B | 127.49M | 223.40B |
Indian Overseas Bank Technical Analysis
Neutral
33.86
Price Trends
33.77
Negative
33.99
Negative
34.73
Negative
Market Momentum
-0.27
Negative
52.58
Neutral
75.20
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:IOB, the sentiment is Neutral. The current price of 33.86 is above the 20-day moving average (MA) of 33.23, above the 50-day MA of 33.77, and below the 200-day MA of 34.73, indicating a neutral trend. The MACD of -0.27 indicates Negative momentum. The RSI at 52.58 is Neutral, neither overbought nor oversold. The STOCH value of 75.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:IOB.
Indian Overseas Bank Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₹975.03B | 10.45 | ― | 2.32% | 2.10% | 17.72% | |
72 Outperform | ₹281.23B | 6.17 | ― | 4.47% | 5.72% | 3.77% | |
71 Outperform | ₹1.19T | 9.31 | ― | 2.07% | 8.92% | 16.57% | |
69 Neutral | ₹660.14B | 5.60 | ― | 3.21% | 6.02% | 24.13% | |
66 Neutral | ₹659.55B | 8.77 | ― | 2.56% | 15.23% | 28.39% | |
58 Neutral | ₹645.48B | 10.95 | ― | 1.52% | 13.06% | 50.61% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:IOB
Indian Overseas Bank
33.52
-5.60
-14.31%
IN:BANKINDIA
Bank of India
145.00
35.43
32.33%
IN:CENTRALBK
Central Bank of India
31.07
-3.74
-10.73%
IN:IDBI
IDBI Bank Limited
90.68
-1.57
-1.70%
IN:INDIANB
Indian Bank
882.00
226.02
34.45%
IN:MAHABANK
Bank of Maharashtra
85.75
34.26
66.54%
Indian Overseas Bank Corporate Events
Indian Overseas Bank Publishes Q1 FY2026 Financial Results in Leading Dailies
Jul 21, 2026
Indian Overseas Bank has published its unaudited reviewed financial results for the quarter ended 30 June 2026 in several leading national and regional newspapers, including English, Hindi and Tamil editions. The publication follows its earlier ex...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.