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Indian Overseas Bank (IOB.NS)
Chennai, IN
Established in Chennai, India, in 1937, Indian Overseas Bank provides a comprehensive suite of banking and financial services, operating both domestically and in select international markets. Its core activities are divided across distinct segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and other specialized banking operations. The bank caters to diverse deposit requirements, offering demand, savings, current, fixed, and term accounts, in addition to foreign currency facilities for non-residents. Its extensive lending products include financing for homes, vehicles, jewelry, personal needs, education, agriculture, corporate endeavors, and reverse mortgages, alongside loans against property and dedicated support for micro, small, and medium enterprises. Beyond traditional accounts and loans, IOB also issues debit, credit, and prepaid cards, manages NRI services, offers agricultural and rural banking solutions, provides merchant banking facilities, enables various payment methods, and delivers robust internet banking platforms. The institution further extends its offerings to include a variety of insurance products, such as health, property, home, motor, and general coverage. As of March 31, 2022, the bank commanded a substantial presence in India with 3,214 branches, 3,355 ATMs, and 2,659 business correspondents, complemented by four overseas branches located in Singapore, Hong Kong, Colombo, and Bangkok.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.14% | -4.51% | -2.31% | -3.69% | -13.01% | -6.17% | -8.92% | +34.26% | +106.71% | +14.53% | +166.93% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+11.2% Q1'26: +5.7% (vs Q1'25)
-
EPS growth+59.7% Q1'26: +39.7% (vs Q1'25)
-
FCF margin— Q1'26: -253.8% (vs Q1'25)
-
EBIT margin— Q1'26: +17.0% (vs Q1'25)
-
ROIC— Q1'26: +9.5% (vs Q1'25)
-
Share dilution+1.7% Q1'26: +2.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 7.78× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2027 1 Rev. Ana. 1 EPS Ana. |
Mar 2028 1 Rev. Ana. 1 EPS Ana. |
Mar 2029 1 Rev. Ana. 1 EPS Ana. |
Mar 2030 1 Rev. Ana. 1 EPS Ana. |
Mar 2031 1 Rev. Ana. 1 EPS Ana. |
Mar 2032 1 Rev. Ana. 1 EPS Ana. |
Mar 2033 1 Rev. Ana. 1 EPS Ana. |
Mar 2034 1 Rev. Ana. 1 EPS Ana. |
Mar 2035 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
260.76B
est: 75.71B (+244.4%)
|
260.46B
est: 79.04B (+229.5%)
|
230.90B
est: 74.68B (+209.2%)
|
208.31B
est: 89.40B (+133.0%)
|
210.67B
est: 96.65B (+118.0%)
|
202.73B
est: 101.97B (+98.8%)
|
224.60B
est: 103.73B (+116.5%)
|
216.40B
est: 108.96B (+98.6%)
|
235.22B
est: 117.22B (+100.7%)
|
297.29B
est: 130.13B (+128.5%)
|
337.49B
est: 337.49B (+0.0%)
|
74.68B
74.68B – 74.68B
-77.9% YoY
|
89.40B
89.40B – 89.40B
+19.7% YoY
|
96.65B
96.65B – 96.65B
+8.1% YoY
|
101.97B
101.97B – 101.97B
+5.5% YoY
|
103.73B
103.73B – 103.73B
+1.7% YoY
|
108.96B
108.96B – 108.96B
+5.0% YoY
|
117.22B
117.22B – 117.22B
+7.6% YoY
|
130.13B
130.13B – 130.13B
+11.0% YoY
|
1.32T
1.32T – 1.32T
+911.0% YoY
|
| EBITDA |
-3.05B
est: 5.22B (-158.4%)
|
-35.32B
est: 5.45B (-747.5%)
|
-32.02B
est: 5.15B (-721.3%)
|
-83.59B
est: 6.17B (-1,455.0%)
|
-56.56B
est: 6.67B (-948.1%)
|
-80.44B
est: 7.04B (-1,243.1%)
|
10.16B
est: 7.16B (+42.0%)
|
18.82B
est: 7.52B (+150.3%)
|
23.64B
est: 8.09B (+192.3%)
|
30.02B
est: 8.98B (+234.3%)
|
37.91B
est: 30.11B (+25.9%)
|
8.69B
8.69B – 8.69B
-71.1% YoY
|
10.40B
10.40B – 10.40B
+19.7% YoY
|
11.24B
11.24B – 11.24B
+8.1% YoY
|
11.86B
11.86B – 11.86B
+5.5% YoY
|
12.07B
12.07B – 12.07B
+1.7% YoY
|
12.68B
12.68B – 12.68B
+5.0% YoY
|
13.64B
13.64B – 13.64B
+7.6% YoY
|
15.14B
15.14B – 15.14B
+11.0% YoY
|
153.05B
153.05B – 153.05B
+911.0% YoY
|
| EBIT |
-4.54B
est: 8.33B (-154.6%)
|
-37.28B
est: 1.16B (-3,304.3%)
|
-34.17B
est: 4.11B (-931.4%)
|
-86.32B
est: 4.92B (-1,854.6%)
|
-59.61B
est: 5.32B (-1,220.8%)
|
-83.44B
est: 5.61B (-1,587.1%)
|
7.58B
est: 5.71B (+32.9%)
|
17.09B
est: 6.00B (+185.1%)
|
21.04B
est: 2.02B (+941.8%)
|
26.66B
est: 7.16B (+272.3%)
|
33.96B
est: 26.49B (+28.2%)
|
7.85B
7.85B – 7.85B
-70.4% YoY
|
9.40B
9.40B – 9.40B
+19.7% YoY
|
10.16B
10.16B – 10.16B
+8.1% YoY
|
10.72B
10.72B – 10.72B
+5.5% YoY
|
10.91B
10.91B – 10.91B
+1.7% YoY
|
11.46B
11.46B – 11.46B
+5.0% YoY
|
12.32B
12.32B – 12.32B
+7.6% YoY
|
13.68B
13.68B – 13.68B
+11.0% YoY
|
138.33B
138.33B – 138.33B
+911.0% YoY
|
| Net Income |
-4.54B
est: 5.94B (-176.5%)
|
-28.97B
est: -4.74B (-510.8%)
|
-34.17B
est: -202.97B (+83.2%)
|
-62.99B
est: -155.55B (+59.5%)
|
-37.38B
est: -64.50B (+42.0%)
|
-85.27B
est: 3.79B (-2,347.7%)
|
7.58B
est: 9.48B (-20.0%)
|
17.09B
est: 17.07B (+0.1%)
|
21.04B
est: -8.23B (+355.5%)
|
26.66B
est: 15.18B (+75.7%)
|
33.96B
est: 17.07B (+98.9%)
|
-206.33B
-206.33B – -206.33B
-1,308.5% YoY
|
-158.12B
-158.12B – -158.12B
+23.4% YoY
|
-65.56B
-65.56B – -65.56B
+58.5% YoY
|
3.86B
3.86B – 3.86B
+105.9% YoY
|
9.64B
9.64B – 9.64B
+150.0% YoY
|
17.35B
17.35B – 17.35B
+80.0% YoY
|
21.21B
21.21B – 21.21B
+22.2% YoY
|
15.43B
15.43B – 15.43B
-27.3% YoY
|
17.35B
17.35B – 17.35B
+12.5% YoY
|
| SGA |
652.83M
est: 68.18B (-99.0%)
|
620.05M
est: 77.38B (-99.2%)
|
576.07M
est: 243.42M (+136.7%)
|
524.60M
est: 291.41M (+80.0%)
|
589.13M
est: 315.02M (+87.0%)
|
689.50M
est: 332.39M (+107.4%)
|
668.09M
est: 101.25B (-99.3%)
|
46.05B
est: 355.17M (+12,864.5%)
|
53.75B
est: 382.08M (+13,967.7%)
|
75.61B
est: 424.17M (+17,724.8%)
|
62.64B
est: 59.68B (+5.0%)
|
15.03B
15.03B – 15.03B
-74.8% YoY
|
17.99B
17.99B – 17.99B
+19.7% YoY
|
19.45B
19.45B – 19.45B
+8.1% YoY
|
20.52B
20.52B – 20.52B
+5.5% YoY
|
20.87B
20.87B – 20.87B
+1.7% YoY
|
21.93B
21.93B – 21.93B
+5.0% YoY
|
23.59B
23.59B – 23.59B
+7.6% YoY
|
26.19B
26.19B – 26.19B
+11.0% YoY
|
264.74B
264.74B – 264.74B
+911.0% YoY
|
| EPS |
-3.68
est: -2.40 (-53.1%)
|
-19.86
est: -0.90 (-2,106.7%)
|
-15.78
est: -10.70 (-47.5%)
|
-5.90
est: -8.20 (+28.0%)
|
-2.27
est: -3.40 (+33.2%)
|
-5.18
est: 0.20 (-2,690.0%)
|
0.51
est: 0.50 (+2.0%)
|
0.90
est: 0.90 (+0.0%)
|
1.15
est: 1.10 (+4.5%)
|
1.40
est: 0.80 (+75.0%)
|
1.76
est: 0.90 (+95.6%)
|
-10.70
-10.70 – -10.70
-1,288.9% YoY
|
-8.20
-8.20 – -8.20
+23.4% YoY
|
-3.40
-3.40 – -3.40
+58.5% YoY
|
0.20
0.20 – 0.20
+105.9% YoY
|
0.50
0.50 – 0.50
+150.0% YoY
|
0.90
0.90 – 0.90
+80.0% YoY
|
1.10
1.10 – 1.10
+22.2% YoY
|
0.80
0.80 – 0.80
-27.3% YoY
|
0.90
0.90 – 0.90
+12.5% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B- | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-11 | B- | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-08 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-07 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-06 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-05 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-04 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-30 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-29 | B- | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-28 | B- | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-27 | B- | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-24 | B- | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-23 | B- | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-22 | B- | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-21 | B- | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-20 | B- | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-17 | B- | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-16 | B- | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Schwab Emerging Markets Equity ETF SCHE | 0.00% | 521.1K | 0.06% |
| 2 | State Street SPDR Portfolio Emerging Markets ETF SPEM | 0.00% | 257.3K | 0.07% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Ajay Kumar Srivastava | MD, Chief Executive Officer & Executive Director | 6M | male |
| Dhanaraj | Executive Director | 4M | male |
| Joydeep Dutta Roy | Executive Director | 4M | male |
| Lakshmi Venkatesh | GM & Head of Department | — | male |
| Madhaw Chandra Jha | Deputy GM & Chief Financial Officer | — | male |
| Mohan | GM & Head of Department | — | male |
| Nataraj Karyampudi | Chief General Manager & Chief Compliance Officer | — | male |
| Raghuram Mallela | Company Secretary & Compliance Officer | — | male |
| Rajalakshmi Bhavani Shankar | GM & Head of Department | — | female |
| Selvarani | GM & Head of Department | — | female |
| Sudhir Prasad Thakur | GM & Head of Department | — | male |
| Suresh | GM & Head of Department | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for IOB.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
