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    Banks - Regional
Indian Overseas Bank

Indian Overseas Bank

IOB.NS
Indian Overseas BankIN flagNational Stock Exchange of India
34.05
INR
-0.15
- -
655.69BMarket Cap
Indian Overseas Bank
IOB.NS
(National Stock Exchange of India)

Recent

price

34.05

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
99.41
107.94
90.08
77.87
60.88
54.23
39.55
30.94
15.92
7.65
6.93
5.94
6.55
8.2
8.69
9.56
9.03
Revenue per Share
19.63
16.93
7.07
6.05
-3.68
-19.86
-15.78
-23.25
-6.83
-7.99
0.46
0.9
1.11
1.41
1.79
2.81
2.06
Basic EPS, GAAP
-2.52
56.01
-10.48
30.73
46.75
-19.21
-2.99
-7.81
-2.98
-13.26
2.97
2.9
-7.53
-0.79
1.08
2.15
- -
Free Cash Flow per Basic Share
4.07
5.8
5.2
0.95
0.58
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
11.32
12.85
11.52
12.42
6.03
-11.08
-20.9
-5.47
-2.07
-2.38
-1.36
0.48
1.3
2.34
3.54
5.46
10.11
Book Value per Share
170.65
192.31
167.82
162.6
126.61
107.38
63.5
49
29.88
15.13
10.4
11.95
13.16
14.58
16.97
19.21
17.4
Tangible Book Value per Share
546
620
802
994
1,235
1,459
2,165
2,709
5,475
10,676
16,437
18,902
18,902
18,902
18,991
19,257
19,047
Basic Weighted Avg Shares
54,321
66,947
72,232
77,443
75,214
79,110
85,610
83,830
87,147
81,696
113,903
112,205
123,755
155,023
165,040
184,184
171,970
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1,621
1,111
1,266
1,413
1,490
1,965
2,149
2,725
3,042
3,006
2,580
1,726
2,604
3,364
3,945
5,212
- -
Depreciation Expense
10,725
10,501
5,672
6,017
-4,543
-28,973
-34,167
-62,995
-37,379
-85,274
7,584
17,093
21,040
26,657
33,955
54,185
39,253
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1.09
4.08
11.85
28.4
25.74
16.36
27.89
Effective Tax Rate (%)
19.74
15.69
7.85
7.77
-6.04
-36.62
-39.91
-75.15
-42.89
-104.38
6.66
15.23
17
17.2
20.57
29.42
22.83
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
193,554
171,138
219,229
203,308
182,324
271,833
160,977
92,281
61,460
52,167
36,716
30,706
208,038
233,872
402,817
516,026
404,085
LT Debt
93,249
119,277
134,574
161,702
156,410
156,658
137,445
132,740
163,599
161,550
170,987
225,978
248,760
275,614
322,333
369,907
331,367
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
184.36
148.35
65.91
55.73
-45.87
- -
- -
- -
- -
- -
- -
- -
125.71
77.53
60.92
62.85
20.57
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
18,902
19,257
19,257
Market Capitalization
985,523
739,916
742,451

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
236,561
212,196
234,030
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.69%
16.95%
14.76%
Free Cash Flow
18.66%
-114.48%
102.26%
Net Income, GAAP
34.3%
52.43%
59.58%
Sales/Revenue/Turnover
9.54%
10.43%
11.6%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
31,317
34,649
36,630
52,427
155,023
2025
34,767
41,730
40,900
47,055
165,040
2026
42,286
47,977
47,606
- -
184,184

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.27
0.33
0.38
- -
1.41
2025
0.34
0.41
0.46
0.58
1.79
2026
0.61
0.71
0.81
- -
2.81

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Indian Overseas Bank (IOB) is a prominent Indian public sector bank primarily engaged in providing a broad range of banking products and services. Its core offerings include retail banking products such as savings and current accounts, fixed deposits, and recurring deposits; corporate banking services including term loans, working capital finance, and trade finance; treasury operations; international banking services like foreign exchange and remittances; and digital banking solutions encompassing internet banking, mobile banking, and electronic payment services. The bank also offers specialized financial products including agricultural loans, micro, small and medium enterprise (MSME) finance, and housing loans. IOB operates extensively across India with a network of branches and ATMs, as well as through its international branches and offices in countries such as Singapore, Hong Kong, and Dubai. Founded in 1937, Indian Overseas Bank is headquartered in Chennai, Tamil Nadu. In recent years, Indian Overseas Bank has focused on strategic initiatives to enhance its financial services portfolio and operational efficiency. Over the past 1-2 years, the bank has undertaken efforts to upgrade its digital banking infrastructure to improve customer experience and broaden its digital footprint. It has entered into strategic partnerships to expand its SME lending and financial inclusion programs. Additionally, the bank has embarked on recapitalization to strengthen its balance sheet and support lending growth. There have been no significant changes in the company's name or major reorganizations during this period. Indian Overseas Bank continues to focus on expanding its retail and corporate banking segments as well as enhancing international operations to serve Indian diaspora and overseas businesses effectively. Operating in the financial services industry, Indian Overseas Bank targets diverse customer segments including retail clients, SMEs, large corporates, and international trade clients. Its financial services extend across sectors such as agriculture, manufacturing, services, and infrastructure development. The bank has subsidiaries and associate concerns that support its banking operations and ancillary financial services. Indian Overseas Bank remains a key player in India's banking landscape with a long-standing history of serving customers across multiple geographies with comprehensive banking and financial solutions.