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On 6 Nov 2026, Indian Overseas Bank was priced at ₹30.56, or 8.9× trailing earnings, and the shares are 25% below their 52-week high. Its ROE of 18% is the highest among the 7 largest Banks (Regional) peers, and net profit grew 37% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 1.46× book value. It is a mid-cap company with a market cap of ₹58,848 Cr, ranked 19th of 41 Banks (Regional) companies by market cap; the shares fell 22% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹30.76
Day high
₹30.76
Day low
₹30.20
Prev. close
₹30.76
Volume
32 L

Health check

3 good · 2 fair · 1 to check
  • ReturnsBehind

    −22.2% over a year, better than 1 of 7 peers.

  • Price tagCheaper

    P/B 1.46 vs peer median 1.78.

  • GrowthStrong

    Profit +37.1% a year over 3 years.

  • ProfitabilityAverage

    ROE 17.9% vs peer median 14.7%.

  • Balance sheetFair

    Return on assets 1.40%. Bad-loan data isn’t covered.

  • Red flagsNone found

    No warning signs in the headline numbers.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Banks - Regional

40 listed peers. Screen the industry

Mid cap

₹58,848 Cr, #19 of 41 in its industry by size.

Defensive

Beta 0.32 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹16,681 Cr · profit ₹6,660 Cr
Market cap
₹58,848 Cr
Mid cap
P/E
8.9
Industry 9.2
Price to book
1.46
Peers 1.78
Dividend yield
0.00%
ROE
17.9%
Peers 14.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹3.43
Face value ₹10
OPM (TTM)
49.9%
Net margin 39.9%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+56.9%
Latest quarter vs a year ago
Price to sales
3.53

Strengths and risks

Strengths

  • Quarterly profit up 56.9% on a year ago.

No obvious red flags in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About Indian Overseas Bank

Indian Overseas Bank provides various banking products and services in India and internationally. It operates through Treasury Operations, Corporate/Wholesale Banking Operations, Retail Operations, and Other Banking Operations segments. The company accepts various deposits, such as demand, savings, current, fixed, recurring, tax saver, and term deposits. Its loan products include home, vehicle, jewel, consumer durable, education, reverse mortgage,…

Headquarters
Chennai
Employees
21,034
Sector
Financial Services
ISIN
INE565A01014
Website
iob.bank.in

Price range

52 weeks

₹28.32₹40.74

Today

₹30.20₹30.76
Avg volume (3M)
28.9 L
1-year return
minus 22.2%
From 52-week high
minus 25.0%

Peers · Banks - Regional

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
HDFCBANKHDFC Bank788.25plus 3.72%12,16,45117.22.0011.0%1.7%12.5%1.65%minus 22.9%
ICICIBANKICICI Bank1,571.20plus 4.75%11,28,25519.32.8916.5%2.1%16.8%0.76%plus 12.2%
SBINState Bank of India1,018.50plus 1.20%9,40,13810.41.4014.7%1.2%14.4%1.70%plus 5.1%
KOTAKBANKKotak Mahindra Bank480.00plus 2.78%4,77,49822.22.4511.8%2.1%8.9%0.14%plus 11.4%
AXISBANKAxis Bank1,322.90plus 3.35%4,11,98513.81.7813.9%1.6%34.6%0.08%plus 4.4%
PNBPunjab National Bank126.55plus 0.36%1,45,4436.40.9015.1%1.1%76.4%2.37%plus 2.3%
UNIONBANKUnion Bank of India187.00minus 0.53%1,42,7486.51.0016.3%1.4%31.7%2.67%plus 24.1%
IOBIndian Overseas Bank30.56minus 0.65%58,8488.91.4617.9%1.4%37.1%0.00%minus 22.2%
Median of 7 peers–2.78%4,77,49813.81.7814.7%1.6%16.8%1.65%5.1%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Dec 25Mar 26Jun 26Sep 26
4,2294,7984,7615,8485,094
4,6394,8745,0195,0905,334
1,5151,3671,6591,8592,066
26.6%0.2%9.3%10.7%7.5%
1,1781,4271,5561,7161,963
0.610.710.810.891.02

Sep 25 not reported by the data source.

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+37.1%
EPS CAGR 3Y
+32.9%
ROE
17.9%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
12,37615,50216,50418,418
–+25.3%+6.5%+11.6%
11,14614,22717,24419,322
260336394521
1.62.21.82
2,1042,6664,5736,478
11.9%28.4%25.7%16.4%
2,1042,6663,3965,418
–+26.7%+27.4%+59.6%
1.151.401.762.70

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
18,90218,90219,25719,257
5,9748,65912,97717,734
20,80423,38740,28251,603
2,67,7583,00,9213,22,1953,84,202
3,13,4383,51,8693,94,7104,72,795
3,7113,7404,6555,075
0.114.574.267.4
93,64399,1941,10,5881,19,285
20,82118,81521,22025,223
1,95,2642,30,1062,58,1733,23,146
3,13,4383,51,8693,94,7104,72,795

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−13,655−1,1192,6474,780
−560−359−579−639
−1,916−528337−138
−16,130−2,0062,4054,003
−582−365−603−646
−14,237−1,4842,0444,134

Shareholding pattern

Source: NSE filings
92.4%
promoters
  • Promoters92.44%
  • Public7.56%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202692.44%7.56%0.00
30 Jun 202692.44%7.56%0.00
31 Mar 202692.44%7.56%0.00
31 Dec 202592.44%7.56%0.00
18 Dec 202592.44%7.56%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you