Indian Overseas Bank
IOB · Banking · NSE
₹33
Current Market Price
Fair Value (P/B + Residual Income)
₹23
Discount to FV
-31.5%
Updated just now
YieldIQ Score
50/100
Piotroski F-Score
9/9
Economic Moat
Moderate
Confidence
90%
ROE
14.6%
Debt/Equity
1.40
Cost of Equity
9.8%
Market Cap
₹64,047 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
Revenue CAGR (3Y)
13.7%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹33.26
Bear case
Discount -108.5%
Base case
Discount -45.9%
Bull case
Discount -12.3%
Ratio Trends
IOB · last 8 annual periods
ROE
14.6%
ROCE
—
Operating Margin
—
Debt / Equity
1.40×
PE
11.2×
EV / EBITDA
—
Historical Financials
IOB · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹11.2K Cr | ₹12.4K Cr | ₹15.5K Cr | ₹16.4K Cr | ₹18.2K Cr | +12.9% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | ₹1709 Cr | ₹2104 Cr | ₹2666 Cr | ₹3396 Cr | ₹5418 Cr | +33.4% |
| EPS (diluted) | ₹0.92 | ₹0.00 | ₹1.40 | — | — | +11.1% |
| CFO | ₹5539 Cr | ₹-13.7K Cr | ₹-1119 Cr | ₹2647 Cr | ₹4780 Cr | -3.6% |
| CapEx | ₹-56.2 Cr | ₹-582 Cr | ₹-365 Cr | ₹-603 Cr | ₹-646 Cr | — |
| FCF | ₹5483 Cr | ₹-14.2K Cr | ₹-1484 Cr | ₹2044 Cr | ₹4134 Cr | -6.8% |
| Total Assets | ₹299.0K Cr | ₹313.4K Cr | ₹351.9K Cr | ₹394.7K Cr | ₹472.8K Cr | +12.1% |
| Total Debt | ₹3071 Cr | ₹20.8K Cr | ₹23.4K Cr | ₹40.3K Cr | ₹51.6K Cr | +102.5% |
| Shareholders' Equity | ₹22.6K Cr | ₹24.9K Cr | ₹27.6K Cr | ₹32.2K Cr | ₹37.0K Cr | +13.1% |
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 | 11.5% | 6.1× |
 INDUSINDBK INDUSINDBK | — | — | Pending | 1.4% | 65.9× |
 YESBANK YESBANK | — | — | Pending | 5.1% | — |
 FEDERALBNK FEDERALBNK | — | — | Pending | 10.9% | 14.7× |
 AUBANK AUBANK | — | — | Pending | 13.2% | 23.9× |
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 33.26 vs a model fair value of 22.79, a gap of -31.5%. Piotroski F-score: 9/9. Moat label: Modera...
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Risk profile of IOB →
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ROE decomposition
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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.