Indian Overseas Bank Financials
NSE: IOB | BSE: 532388
₹33.34
₹0.24
(0.73%)
As on 08-Sep-2026IST
Market cap
₹64,182 Cr
Revenue (TTM)
₹33,290 Cr
P/E Ratio
10.8
P/B Ratio
1.8
Div. Yield
0 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-03 | Mar-02 | Mar-01 | Mar-00 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Interest Earned
|
33,289.81
|
31,895.68
|
28,143.64
|
24,065.67
|
19,406.97
|
16,735.84
|
|
|
|
|
|
|
Other Income
|
6,315.77
|
5,846.90
|
5,606.67
|
5,665.30
|
4,116.45
|
4,905.33
|
|
|
|
|
|
|
Total Income
|
39,605.58
|
37,742.58
|
33,750.31
|
29,730.97
|
23,523.42
|
21,641.17
|
|
|
|
|
|
|
Interest Expended
|
19,772.69
|
19,322.04
|
17,244.48
|
14,226.50
|
11,146.29
|
10,419.49
|
|
|
|
|
|
|
Operating Expenses
|
9,470.12
|
8,183.98
|
7,756.27
|
8,730.53
|
6,429.81
|
5,458.97
|
|
|
|
|
|
|
Operating Profit before Prov. & Cont.
|
10,362.77
|
10,236.56
|
8,749.57
|
6,773.94
|
5,947.32
|
5,762.72
|
|
|
|
|
|
|
Provisions and Contingencies
|
3,748.10
|
3,758.10
|
4,177.05
|
3,351.36
|
3,365.02
|
3,983.92
|
|
|
|
|
|
|
Profit Before Tax
|
6,614.67
|
6,478.46
|
4,572.51
|
3,422.58
|
2,582.30
|
1,778.79
|
|
|
|
|
|
|
Taxes
|
856.96
|
1,059.99
|
1,177.01
|
756.92
|
478.31
|
69.52
|
|
|
|
|
|
|
Profit after Tax
|
5,757.71
|
5,418.47
|
3,395.50
|
2,665.66
|
2,103.99
|
1,709.27
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
200.71
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
5,958.42
|
5,418.47
|
3,395.50
|
2,665.66
|
2,103.99
|
1,709.27
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-03 | Mar-02 | Mar-01 | Mar-00 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
38,945.57
|
36,990.67
|
32,233.35
|
27,561.45
|
24,876.04
|
22,597.75
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Deposits
|
3,76,192.75
|
3,68,191.25
|
3,11,204.18
|
2,86,121.48
|
2,60,973.59
|
2,62,213.76
|
|
|
|
|
|
|
Borrowings
|
47,239.90
|
51,602.57
|
42,227.66
|
30,387.17
|
20,803.77
|
3,070.64
|
|
|
|
|
|
|
Other Liabilities & Provisions
|
18,110.66
|
16,010.70
|
9,044.81
|
7,799.23
|
6,784.66
|
11,147.82
|
|
|
|
|
|
|
Total Liabilities
|
4,80,488.88
|
4,72,795.19
|
3,94,709.99
|
3,51,869.32
|
3,13,438.07
|
2,99,029.97
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-03 | Mar-02 | Mar-01 | Mar-00 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash and Balance with Reserve Bank of India
|
12,015.04
|
16,605.93
|
18,115.87
|
16,905.54
|
17,149.92
|
22,749.65
|
|
|
|
|
|
|
Balances with Banks and Money at Call
|
7,720.67
|
8,616.65
|
3,103.76
|
1,909.36
|
3,670.65
|
14,201.61
|
|
|
|
|
|
|
Investments
|
1,22,139.86
|
1,19,284.87
|
1,10,587.97
|
99,193.92
|
93,642.52
|
97,640.79
|
|
|
|
|
|
|
Advances
|
3,18,401.21
|
3,06,621.81
|
2,45,555.17
|
2,13,330.13
|
1,78,067.68
|
1,44,253.56
|
|
|
|
|
|
|
Net Block
|
5,014.71
|
5,007.19
|
4,580.58
|
3,725.71
|
3,710.65
|
3,365.93
|
|
|
|
|
|
|
Other Assets
|
15,197.39
|
16,591.39
|
12,692.40
|
16,790.19
|
17,196.56
|
16,818.33
|
|
|
|
|
|
|
Miscellaneous Exp. Not Written Off
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Total Assets
|
4,80,488.88
|
4,72,795.19
|
3,94,709.99
|
3,51,869.32
|
3,13,438.07
|
2,99,029.97
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-03 | Mar-02 | Mar-01 | Mar-00 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
4,779.66
|
2,647.08
|
-1,118.95
|
-13,654.68
|
5,539.15
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
-638.92
|
-578.92
|
-359.29
|
-559.64
|
-49.29
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
-137.80
|
336.57
|
-527.69
|
-1,916.11
|
478.96
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
4,002.94
|
2,404.73
|
-2,005.93
|
-16,130.43
|
5,968.82
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-03 | Mar-02 | Mar-01 | Mar-00 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
3.09
|
2.81
|
1.76
|
1.41
|
1.11
|
0.90
|
|
|
|
|
|
|
Cash EPS (₹)
|
3.09
|
3.08
|
1.97
|
1.59
|
1.25
|
1.00
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
18.44
|
17.43
|
14.99
|
13.14
|
11.70
|
10.50
|
|
|
|
|
|
|
Dividend per Share (₹)
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
2.48
|
1.37
|
-0.59
|
-7.22
|
2.93
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
-0.12
|
-2.75
|
-2.41
|
-9.74
|
0.88
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-03 | Mar-02 | Mar-01 | Mar-00 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Yield on Advances
|
--
|
10.40
|
11.46
|
11.28
|
10.90
|
11.60
|
|
|
|
|
|
|
Yield on Investments
|
--
|
6.66
|
6.84
|
6.28
|
6.51
|
6.77
|
|
|
|
|
|
|
Interest Spread
|
--
|
5.80
|
6.58
|
6.79
|
6.94
|
7.67
|
|
|
|
|
|
|
NIM (%)
|
--
|
2.79
|
2.89
|
2.97
|
2.82
|
2.27
|
|
|
|
|
|
|
ROE (%)
|
15.97
|
17.36
|
12.65
|
11.35
|
10.03
|
9.90
|
|
|
|
|
|
|
ROA (%)
|
1.29
|
1.25
|
0.91
|
0.80
|
0.69
|
0.60
|
|
|
|
|
|
|
Cost to Income Ratio
|
--
|
44.43
|
46.99
|
56.31
|
51.95
|
48.65
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-03 | Mar-02 | Mar-01 | Mar-00 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
14.82
|
13.33
|
16.95
|
24.01
|
15.96
|
-1.41
|
|
|
|
|
|
|
EBIT Growth (%)
|
19.81
|
17.00
|
29.17
|
13.90
|
3.20
|
-1.03
|
|
|
|
|
|
|
Net Profit Growth (%)
|
20.72
|
59.58
|
27.38
|
26.70
|
23.09
|
125.39
|
|
|
|
|
|
|
EPS Growth (%)
|
49.75
|
59.58
|
25.04
|
26.69
|
23.09
|
95.99
|
|
|
|
|
|
|
Book Value Growth (%)
|
--
|
16.27
|
16.19
|
12.28
|
11.46
|
35.31
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-03 | Mar-02 | Mar-01 | Mar-00 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
10.77
|
11.16
|
22.10
|
42.53
|
20.26
|
20.13
|
|
|
|
|
|
|
Price / Book Value
|
1.81
|
1.80
|
2.60
|
4.56
|
1.93
|
1.73
|
|
|
|
|
|
|
Dividend Yield (%)
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
EV/EBITDA
|
9.57
|
10.95
|
13.40
|
21.22
|
10.67
|
6.50
|
|
|
|
|
|
|
Close Price (₹)
|
34.09
|
31.38
|
38.97
|
59.95
|
22.45
|
18.15
|
|
|
|
|
|
|
High Price (₹)
|
41.80
|
42.84
|
75.55
|
83.80
|
36.70
|
29.00
|
|
|
|
|
|
|
Low Price (₹)
|
31.18
|
31.18
|
38.85
|
20.90
|
15.25
|
12.80
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
64,182.21
|
60,464.64
|
75,042.21
|
1,13,375.76
|
42,625.47
|
34,402.40
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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