Indian Overseas Bank
IOB · General/Diversified · NSE
₹35
Current Market Price
Fair Value (DCF)
₹29
Margin of Safety
-18.2%
Updated 39m ago
YieldIQ Score
51/100
Piotroski F-Score
7/9
Economic Moat
Moderate
Confidence
30%
ROE
10.5%
Debt/Equity
0.00
WACC
9.8%
Market Cap
₹0.67 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.04×
Revenue per ₹ of assets
Revenue CAGR (3Y)
—
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹35.03
Bear case
₹13.95
MoS -151.1%
Base case
₹28.67
MoS -22.2%
Bull case
₹41.65
MoS +15.9%
Ratio Trends
IOB · last 7 annual periods
ROE
10.5%
ROCE
—
Operating Margin
—
Debt / Equity
1.25×
PE
20.5×
EV / EBITDA
—
Historical Financials
IOB · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | ₹16.5K Cr | +0.0% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | — | — | — | — | ₹3396 Cr | +0.0% |
| EPS (diluted) | ₹0.51 | ₹0.92 | ₹0.00 | ₹1.40 | — | +28.7% |
| CFO | — | — | — | — | ₹2840 Cr | +0.0% |
| CapEx | — | — | — | — | ₹-603 Cr | — |
| FCF | — | — | — | — | ₹2236 Cr | +0.0% |
| Total Assets | — | ₹299.0K Cr | ₹313.4K Cr | ₹351.9K Cr | ₹394.7K Cr | +7.2% |
| Total Debt | — | — | — | — | ₹40.3K Cr | +0.0% |
| Shareholders' Equity | — | — | — | — | ₹32.2K Cr | +0.0% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
IOB vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| BANKINDIA BANKINDIA | — | — | Pending | 11.8% | — |
| INDUSINDBK INDUSINDBK | — | — | Pending | 4.0% | — |
| YESBANK Yes Bank Limited | +95.8% | 76 | Below Fair Value | 5.1% | — |
| FEDERALBNK FEDERALBNK | — | — | Pending | 11.7% | — |
| AUBANK AUBANK | — | — | Pending | 12.3% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for IOB in the last 10 years.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Indian Overseas Bank (IOB.NS) trades at 35.03 vs a model fair value of 28.67, a gap of -18.2%. Piotroski F-score: 7/9. Moat label: Modera...
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Market-implied growth
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Risk Analysis
Volatility & drawdown
Risk profile of IOB →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for IOB →
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Head-to-head with peers
Compare IOB side by side →
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Analyse IOBNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.