Indian Overseas Bank Stock Price Today (NSE: IOB)
Fundamental Score
Indian Overseas Bank Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Indian Overseas Bank share price today is ₹31.38, down 2.57% on NSE/BSE as of 30 March 2026. Indian Overseas Bank (IOB) is a Large-cap company in the Public Sector Bank sector with a market capitalisation of ₹74.81K (Cr). The 52-week high for IOB share price is ₹42.80 and the 52-week low is ₹31.40. At a P/E ratio of 17.55x, IOB is currently trading above its industry average P/E of 8.20x. The company has a Return on Equity (ROE) of 11.02% and a debt-to-equity ratio of 11.07.
Indian Overseas Bank Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Indian Overseas Bank Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Indian Overseas Bank Share Price: A Financial Risk Analysis
Analyzing the financial stability of Public Sector Banks (PSBs) requires a nuanced understanding of their unique operating environment, particularly their exposure to government policies and priority sector lending. This presents both opportunities and challenges regarding risk mitigation. This analysis focuses on the Indian Overseas Bank share price currently at ₹34.810001, and evaluates its financial position based on publicly available data. The analysis is part of a comprehensive 80-parameter fundamental audit, independently verified by Sweta Mishra, to ensure a rigorous risk assessment.
With a PE ratio of 17.55, Indian Overseas Bank appears to be trading at a valuation comparable to some of its peers. However, a deeper dive into its Return on Capital Employed (ROCE) reveals a potential area of concern. The ROCE of 5.95% suggests that the bank's capital allocation efficiency is moderate. Compared to its peers like
Punjab & Sind Bank, the management quality and operational efficiency might be an area to monitor to determine future improvements in ROCE. A low ROCE may indicate that the bank is not generating sufficient returns on its investments, potentially impacting its long-term profitability and competitive advantage. This affects the company's economic moat because it becomes harder to protect market share when the bank is not efficiently using it's capital to generate a profit. This puts it at risk from more lucrative competitors.While other PSBs such as Central Bank of India and Punjab National Bank operate in a similar macroeconomic landscape, differences in asset quality, net interest margins, and cost-to-income ratios can significantly impact their individual risk profiles. Comparing Indian Overseas Bank with its peers across these metrics will provide a more comprehensive understanding of its relative financial health. It is important to observe the management strategies employed by the bank to address any asset quality challenges and to improve its operational efficiency.
This financial analysis is purely observational and based on publicly available information as of today's date. It is intended for informational purposes only and does not constitute financial advice. No buy/sell recommendations are made or implied. Investors should conduct their own independent research and consult with a qualified financial advisor before making any investment decisions.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Indian Overseas Bank Fundamental Analysis & Valuation Benchmarking
Educational evaluation of IOB across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (49.99%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Robust Profit Growth (57.81%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Excellent EPS Growth (18.47% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (19.04% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
7 factors identified
Suboptimal ROCE (5.95%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Elevated Debt Levels (D/E: 11.07)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.33x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-4860.84 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Public Float (94.61% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity.
Limited Institutional Interest (FII+DII: 2.61%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Indian Overseas Bank Financial Statements
Comprehensive financial data for Indian Overseas Bank including income statement, balance sheet and cash flow
About IOB (Indian Overseas Bank)
Indian Overseas Bank is a venerable institution woven into the financial fabric of India, a key player in the nation's public sector banking landscape. Rooted in a history of servi...ng both domestic and international customers, IOB stands as a beacon of financial inclusion, striving to empower individuals and businesses alike. It operates through a diverse range of segments designed to cater to the varying needs of its clientele, these being Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. IOB seeks to be a comprehensive provider of financial services, bridging the gap between aspiration and achievement for a vast spectrum of Indian society. At the heart of IOB's operations lies a commitment to providing accessible and reliable banking solutions. Its deposit offerings are extensive, ranging from easily accessible demand accounts and savings accounts to long-term instruments like fixed and recurring deposits. The bank recognizes the importance of secure and adaptable deposit options in fostering financial stability and growth. Recognizing that loans are vital to progress, IOB's loan portfolio mirrors the diverse needs of its customers, encompassing personal loans for individual needs, loans for education and agriculture, and financing solutions for corporations. Indian Overseas Bank continues to evolve in response to the changing financial landscape, embracing innovation while remaining true to its core values of integrity and customer service. Beyond its traditional banking products, the bank explores new avenues to enhance customer experience and expand its reach. By leveraging technology and fostering a culture of continuous improvement, IOB strives to provide a relevant and reliable platform for financial growth and empowerment, ensuring that individuals and businesses have access to the resources they need to succeed in an ever-changing world.
Company Details
Key Leadership
Corporate Events
Latest News
IOB Share Price: Frequently Asked Questions
What is the current share price of Indian Overseas Bank (IOB)?
As of 30 Mar 2026, 12:06 pm IST, Indian Overseas Bank share price is ₹31.38. The IOB stock has a market capitalisation of ₹74.81K (Cr) on NSE/BSE.
Is IOB share price Overvalued or Undervalued?
IOB share price is currently trading at a P/E ratio of 17.55x, compared to the industry average of 8.20x. Based on this relative valuation, the Indian Overseas Bank stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of IOB share price?
The 52-week high of IOB share price is ₹42.80 and the 52-week low is ₹31.40. These values are updated daily from NSE/BSE price data.
What factors affect the Indian Overseas Bank share price?
Key factors influencing IOB share price include quarterly earnings growth (Sales Growth: 14.57%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Indian Overseas Bank a good stock for long-term investment?
Indian Overseas Bank shows a 5-year Profit Growth of 19.04% and an ROE of 11.02%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 11.07 before investing in IOB shares.
How does Indian Overseas Bank compare with its industry peers?
Indian Overseas Bank competes with major peers in the Public Sector Bank. Investors should compare IOB share price P/E of 17.55x and ROE of 11.02% against the industry averages to determine competitive standing.
What is the P/E ratio of IOB and what does it mean?
IOB share price has a P/E ratio of 17.55x compared to the industry average of 8.20x. Investors pay ₹18 for every ₹1 of annual earnings.
How is IOB performing according to Bull Run's analysis?
IOB has a Bull Run fundamental score of 47.5/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does IOB belong to?
IOB operates in the Public Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Indian Overseas Bank share price.
What is Return on Equity (ROE) and why is it important for IOB?
IOB has an ROE of 11.02%, which shows decent profitability but room for improvement. ROE measures how efficiently Indian Overseas Bank generates profits from shareholders capital.
How is IOB debt-to-equity ratio and what does it indicate?
IOB has a debt-to-equity ratio of 11.07, which indicates high leverage that increases financial risk.
What is IOB dividend yield and is it a good dividend stock?
IOB offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Indian Overseas Bank shares.
How has IOB share price grown over the past 5 years?
IOB has achieved 5-year growth rates of: Sales Growth 10.08%, Profit Growth 19.04%, and EPS Growth 18.47%.
What is the promoter holding in IOB and why does it matter?
Promoters hold 94.61% of IOB shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Indian Overseas Bank.
What is IOB market capitalisation category?
IOB has a market capitalisation of ₹74812 crores, placing it in the Large-cap category.
How volatile is IOB stock?
IOB has a beta of N/A. A beta > 1 suggests the Indian Overseas Bank stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is IOB operating profit margin trend?
IOB has a 5-year average Operating Profit Margin (OPM) of 49.99%, indicating the company's operational efficiency.
How is IOB quarterly performance?
Recent quarterly performance shows Indian Overseas Bank YoY Sales Growth of 14.57% and YoY Profit Growth of 57.81%.
What is the institutional holding pattern in IOB?
IOB has FII holding of 0.31% and DII holding of 2.30%. Significant institutional holding often suggests professional confidence in the Indian Overseas Bank stock.