IOBIndian Overseas Bank

Rs 30.38▲ +5.93%
Market closedEquity EOD 26 Oct
Compare
52-week rangeThe lowest and highest prices the stock traded at over the last year, from each day's intraday low and high. The marker is today's close: 0% means it sits at the year's low, 100% at the high. It describes where the price is, not where it is going.15.9% up the range
Rs 28Rs 41
IOB price
Daily candles, adjusted for splits and bonus issues so a corporate action does not show as a crash. Pick a window from one month to the full history, add indicators, or open it full screen.
EOD 26 Oct
IndicatorsVolume

Loading IOB price...

At a glance
Each figure is shown against the company's sector (the track: the dot is this company, the tick is the sector middle) and, where we hold the yearly filings, against its own recent years (the small trend line).
Market capWhat the whole company is worth on the stock market today: share price times the number of shares. It measures size, not quality.
Rs 58,502 cr
Larger than 36% of 11 peers
sector middle Rs 1.06 lakh cr
P/EPrice to earnings: how many rupees investors pay for each rupee of profit the company made over the last twelve months. Compare it with similar companies rather than reading it alone.
9.9x
Higher than 91% of 11 peers
sector middle 6.6x
Price to bookPrice to book: the share price divided by the shareholders' money per share in the latest balance sheet. Around 1 means the market values the company close to its book value.
1.6x
Higher than 91% of 11 peers
sector middle 0.9x
ROEReturn on equity: the year's profit as a percentage of the shareholders' money in the business. It shows how much the company earns on what its owners have put in.
15.6%
Higher than 91% of 11 peers
sector middle 13.2%
Dividend yieldDividends paid over the last year as a percentage of the company's market value: roughly what Rs 100 of shares paid out in cash.
0.0%
Lower than 91% of 11 peers
sector middle 2.6%
Sales growthHow much the latest quarter's sales grew against the same quarter a year earlier.
+18.8%
Highest of 11 peers
sector middle +10.4%

Peers are the listed companies in the exchange's own industry group: Public Sector Bank. Balance-sheet figures are from the latest filed balance sheet; trends show each financial year we hold.

What the numbers say
Short lines written by fixed rules from the company's own filings and shareholding. A line appears only when the figures cross the rule (for example sales growing three years running), and each names the numbers behind it. Nothing here is a view on whether to own the share.

Latest quarterIn the quarter to June 2026 (results filed 20 Jul 2026), income rose 18.8% from a year earlier to Rs 8,778 cr and profit rose 49.3% to Rs 1,659 cr.

Nothing in the filings we hold crosses one of our rules yet. Each rule needs a few complete years of results, so recently listed companies often show nothing here.

Each line is written by a fixed rule from the company's own filings and share price, and names the figures it uses. It describes what happened; it is not advice about the share.

How the share moved on results
For each quarterly result we hold: the change from the share's close on the last trading day before the filing to its close on the first trading day after it. Results can land during market hours or after the close, and this window covers both. It shows what happened, not what will happen next time.

Over the last 5 results, the share rose on 4 and fell on 1, and moved by 3% or more on 2.

Q4 FY25Q2 FY26Q1 FY27

Q1 FY27: results filed 20 Jul 2026. The share went from its close on 17 Jul 2026 to its close on 21 Jul 2026 +4.14%.

What Indian Overseas Bank does
A short, human-reviewed summary of the business, written from public sources. Background, not analysis, and not updated intraday.
business summary

A Chennai-headquartered public sector bank originally built to serve Indian trading communities across Southeast Asia, and it still runs a small overseas branch network in places like Singapore. Years of bad loans put it under the RBI's Prompt Corrective Action framework from 2015, restricting its lending; it exited PCA in 2021 and has since reported multi-year-low bad-loan levels.

1
1Sector

PSU Banks

2
2What it sells

Savings and current accounts, home, vehicle and MSME loans, trade finance and remittance services, plus a small overseas branch network.

3
3Who buys it

Retail depositors and small businesses across India, plus NRI and trade-finance customers connected to its historical overseas branches in Southeast Asia.

4
4How it earns

Earns the spread between deposits and loans; profitability has recovered as loan quality improved after years of elevated bad loans, and it now reports one of the healthier NPA ratios among public sector banks.

Fundamentals
Trailing-twelve-month valuation, margins and growth from the company's own filings.
as of 2026-06-30
P/E (TTM)
9.9
PEG
0.20
EPS (TTM)
Rs 3.1
Net margin
17.3%
Rev growth YoY
+18.82%
Profit growth YoY
+49.25%
TTM revenue
Rs 33,290 Cr
TTM net profit
Rs 5,758 Cr
What it owns, and how that is paid for
Straight from the March balance sheet in the company's annual filing. Both bars are the whole balance sheet: what the company owns, and where the money for it came from.
as at 2026-03-31

At FY26 it held Rs 4.73 lakh Cr of assets. 8% was the owners' own money; customer deposits funded 78%.

What it owns
96%
Cash and bank16,606 Cr
Loans and everything else4.56 lakh Cr
How that is paid for
78%
11%
Shareholders36,991 Cr
Customer deposits3.68 lakh Cr
Borrowings51,603 Cr
Other liabilities16,011 Cr
Cash and equivalents
Rs 16,606 Cr
Book value / share
Rs 19
Return on assets
1.2%

From the March balance sheet in the company's annual filing (2026-03-31). Each bar is the full balance sheet; "everything else" is what the filed total leaves after the named lines.

Where the cash went
Profit is an accounting figure; cash flow is what actually moved. Cash from running the business, plus or minus what was spent on or received from investments, plus or minus what came from or went to lenders and shareholders, equals the change in cash.

In FY26 the business moved Rs 4,780 Cr through operations; for a lender that is mostly loans made and deposits taken, not trading cash.

From running the business
+4,780 Cr
Spent on or received from investing
-639 Cr
From or to lenders and shareholders
-138 Cr
Net change in cash
+4,003 Cr

Full financial year to 2026-03-31, from the company's cash flow statement. This company lends for a living: money lent out is an operating outflow, so these are not coloured as good or bad.

Against its sector
Where this stock sits within its own sector on each measure. The marker is its position in the peer group and the notch is the sector median. A position is a fact about the cohort, not a view on the stock.
Public Sector Bank · 11
P/E9.93vs 6.6 median
Cheapest: BANKINDIA 4.6Priciest: SBIN 10.3
Net margin17.3%vs 15.18% median
Lowest: UCOBANK 10.81%Highest: MAHABANK 24.61%
Revenue growth18.82%vs 10.4% median
Lowest: UNIONBANK 6.42%Highest: IOB 18.82%

Median rather than average, so one loss-making or one very expensive peer cannot drag the reference. Valuation is shown without a colour verdict: a higher multiple can mean expensive, or faster growth expected, and only you can decide which.

Peers side by side
Every company in the same NSE industry group that we hold figures for, largest first. Tap any heading to sort by it. The same figures as the At a glance tiles, worked out the same way for every company.
Public Sector Bank · 12 shown
Company
SBIN
State Bank of India
8.87 L cr10.3x1.4x14.3%16.8%+8.4%1.60%
PNB
Punjab National Bank
1.39 L cr6.1x0.9x13.2%15.8%+8.5%2.39%
UNIONBANK
Union Bank of India
1.38 L cr6.3x1.0x14.8%19.5%+6.4%2.62%
BANKBARODA
Bank of Baroda
1.20 L cr6.6x0.7x10.7%13.0%+6.8%3.59%
INDIANB
Indian Bank
1.12 L cr8.5x1.3x14.9%18.0%+15.2%1.96%
CANBK
Canara Bank
1.06 L cr5.2x0.8x15.1%14.7%+9.6%3.43%
MAHABANK
Bank of Maharashtra
58,548 cr7.8x1.8x22.4%24.6%+13.9%3.28%
IOB
Indian Overseas Bank
58,502 cr9.9x1.6x15.6%17.3%+18.8%0.00%
BANKINDIA
Bank of India
57,519 cr4.6x0.6x12.9%15.2%+15.4%3.21%
UCOBANK
UCO Bank
27,574 cr9.2x0.8x8.6%10.8%+11.5%0.00%
CENTRALBK
Central Bank of India
26,331 cr5.5x0.6x11.6%12.4%+18.4%2.71%
PSB
Punjab & Sind Bank
13,517 cr9.8x1.0x9.8%11.3%+10.4%0.37%

Swipe the table sideways for more columns. Tap a heading to sort. A dash means the figure is not filed or cannot be worked out for that company. A bigger cohort is cut to its 40 largest companies.

The business
Sales and net profit from the company's own filings, by financial year or by quarter. Hover any bar for that period's complete figures including operating margin and the change against the comparable earlier period. The single TTM figure above is the sum of the last four quarters.
4 years · 6 quarters
Full financial years - the long arc of the business.
Sales growth
-
a year, 3 years
Profit growth
-
a year, 3 years
Operating margin
-
latest year
Sales by financial yearRs 31,900 Cr
Net profit by financial yearRs 5,210 Cr
FY224 full years · hover a yearFY26

Full financial years only, so a part-year is never shown as a whole one. Hover any year for its complete figures.

Technical snapshot
Momentum, trend and delivery-based conviction from the actual price and volume history.
EOD 26 Oct
RSI (14) - momentum
45Neutral
0 oversold3070overbought 100
Delivery % - genuine buying vs churn
14.4%Below average - weaker conviction
today 14.4%20d avg 46.9%

The share of traded quantity that was actually delivered (not squared off intraday) - high delivery vs its 20-session average suggests real buying or holding, not just churn.

vs 50-DMA
-5.06%
vs 200-DMA
-10.06%
1-month
-5.45%
3-month
-10.33%
1-year
-23.61%
Realized vol (30d)
28.9%
Insider trading disclosures
Promoter, director and other insider trades in the company's own shares, as disclosed to the exchange under SEBI's insider-trading regulations - usually within a few days of the transaction.
last 18 months

Insider trading data unavailable.

Recent announcements
The company's own filings to the exchange - results, board meetings, investor calls - with a link to the source document.
last 6 months

Announcements unavailable.

Want to test a strategy on IOB?

Backtest an equity strategy on real market data, free - no card needed.

Start free

Equity price, fundamentals and realized volatility are end-of-day / quarterly from real market data. The option chain (PCR, max pain, expected move, IV, OI) is live from the exchange during market hours; outside them it shows the last session's close. Shareholding, insider trades and announcements are the company's own exchange filings. Analysis only, not investment advice.