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I O B

  • Market Cap: Large Cap
  • Industry: Public Banks
  • ISIN: INE565A01014
  • NSEID: IOB
  • BSEID: 532388
INR
35.22
-0.04 (-0.11%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 49.25 lacs

Click here to access the older version
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

34.9136.30

52 Week

33.0175.45
Valuation
Technical
Day's Volume

CASH

49.25 lacs (-24.18%) Volume

Shareholding (Mar 2025)

FII

0.22%

Held by 30 FIIs

DII

2.93%

Held by 66 DIIs

Promoter

94.61%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

Stock is technically in a Bearish range

  • The technical trend has deteriorated from Mildly Bearish on 01-Feb-25 and has generated -29.86% returns since then
  • Multiple factors for the stock are Bearish like MACD, Bollinger Band and KST
2

With ROA of 0.9, it has a Expensive valuation with a 2.3 Price to Book Value

3

Underperformed the market in the last 1 year

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Public Banks

stock-summary
Market cap

INR 67,822 Cr (Large Cap)

stock-summary
Dividend Yield

0.00%

stock-summary
CAR

14.33%

stock-summary
Return on Assets

0.85%

stock-summary
Net NPA

0.42%

stock-summary
Gross NPA

2.55%

Revenue and Profits (1 Year):
Int. Earned:
7,111.72 Cr
(Quarterly Results - Dec 2024)
Net Profit:
874 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (0%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
-35.1%
0%
-35.1%
1 Year
-46.43%
0%
-46.43%
2 Years
53.0%
0%
53.0%
3 Years
83.44%
0%
83.44%
4 Years
97.87%
0%
97.87%
5 Years
396.06%
0%
396.06%

Latest dividend: 0.5 per share ex-dividend date: Jun-19-2014

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Net Interest Income Growth (5y)
15.02%
Net Profit Growth (5y)
18.02%
Advance to Deposit
64.73%
Capital Adequacy Ratio (Tier 1)
12.54%
Gross NPA (latest)
2.55%
Gross NPA (avg)
7.45%
Coverage Ratio (avg)
78.80%
Cost to Income (avg)
51.36%
Net Interest Margin (avg)
2.83%
Operating Profit to Assets (avg)
4.30%
ROA (avg)
0.59%
Valuation key factors
Factor
Value
P/E Ratio
22
Price to Book Value
2.32
PEG Ratio
1.02
Dividend Yield
NA
ROE (Latest)
10.57%
ROA (Latest)
0.85%
Net NPA to Book Value
3.34
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 19 Schemes (0.07%)

FIIs

Held by 30 FIIs (0.22%)

Promoter with highest holding

President Of India (94.61%)

Highest Public shareholder

Life Insurance Coporation Of India (1.82%)

Individual Investors Holdings

1.9%

stock-summaryFinancial
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  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Standalone) - Dec'24 - QoQ",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 3.81% vs 4.83% in Sep 2024",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 12.42% vs 22.81% in Sep 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 7111.72,
          "val2": 6850.67,
          "chgp": "3.81%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "2,266.01",
          "val2": "2,128.22",
          "chgp": "6.47%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.42%",
          "val2": "0.47%",
          "chgp": "-0.05%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "2.55%",
          "val2": "2.72%",
          "chgp": "-0.17%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "873.66",
          "val2": "777.16",
          "chgp": "12.42%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Standalone) - Sep'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": " Growth in half year ended Sep 2024 is 19.03% vs 22.87% in Sep 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is 25.34% vs 25.90% in Sep 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 13385.7,
          "val2": 11245.33,
          "chgp": "19.03%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "3,804.08",
          "val2": "3,022.44",
          "chgp": "25.86%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.47%",
          "val2": "0.68%",
          "chgp": "-0.21%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "2.72%",
          "val2": "4.74%",
          "chgp": "-2.02%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "1,409.97",
          "val2": "1,124.93",
          "chgp": "25.34%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 17.66% vs 22.61% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 23.61% vs 27.53% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 20497.42,
          "val2": 17420.84,
          "chgp": "17.66%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "6,070.09",
          "val2": "4,802.64",
          "chgp": "26.39%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.42%",
          "val2": "0.62%",
          "chgp": "-0.20%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "2.55%",
          "val2": "3.90%",
          "chgp": "-1.35%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "2,283.63",
          "val2": "1,847.49",
          "chgp": "23.61%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Standalone) - Mar'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in year ended Mar 2024 is 23.97% vs 15.96% in Mar 2023",
        "dir": 1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 26.53% vs 22.77% in Mar 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
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          "field": "Interest Earned",
          "val1": 24049.73,
          "val2": 19400.33,
          "chgp": "23.97%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "6,763.76",
          "val2": "5,942.18",
          "chgp": "13.83%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.57%",
          "val2": "1.83%",
          "chgp": "-1.26%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "3.10%",
          "val2": "7.44%",
          "chgp": "-4.34%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "2,655.61",
          "val2": "2,098.79",
          "chgp": "26.53%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Standalone) - Dec'24 - QoQstock-summary
Dec'24
Sep'24
Change(%)
Interest Earned
7111.72
6850.67
3.81%
Operating Profit (PBDIT)
2,266.01
2,128.22
6.47%
% of Net NPAs
0.42%
0.47%
-0.05%
% of Gross NPAs
2.55%
2.72%
-0.17%
Exceptional Items
0.00
0.00
Net Profit
873.66
777.16
12.42%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

QoQ Growth in quarter ended Dec 2024 is 3.81% vs 4.83% in Sep 2024

Direction Arrows
Net Profit

QoQ Growth in quarter ended Dec 2024 is 12.42% vs 22.81% in Sep 2024

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Standalone) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Interest Earned
13385.7
11245.33
19.03%
Operating Profit (PBDIT)
3,804.08
3,022.44
25.86%
% of Net NPAs
0.47%
0.68%
-0.21%
% of Gross NPAs
2.72%
4.74%
-2.02%
Exceptional Items
0.00
0.00
Net Profit
1,409.97
1,124.93
25.34%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

Growth in half year ended Sep 2024 is 19.03% vs 22.87% in Sep 2023

Direction Arrows
Net Profit

Growth in half year ended Sep 2024 is 25.34% vs 25.90% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Standalone) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Interest Earned
20497.42
17420.84
17.66%
Operating Profit (PBDIT)
6,070.09
4,802.64
26.39%
% of Net NPAs
0.42%
0.62%
-0.20%
% of Gross NPAs
2.55%
3.90%
-1.35%
Exceptional Items
0.00
0.00
Net Profit
2,283.63
1,847.49
23.61%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in nine months ended Dec 2024 is 17.66% vs 22.61% in Dec 2023

Direction Arrows
Net Profit

YoY Growth in nine months ended Dec 2024 is 23.61% vs 27.53% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Standalone) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Interest Earned
24049.73
19400.33
23.97%
Operating Profit (PBDIT)
6,763.76
5,942.18
13.83%
% of Net NPAs
0.57%
1.83%
-1.26%
% of Gross NPAs
3.10%
7.44%
-4.34%
Exceptional Items
0.00
0.00
Net Profit
2,655.61
2,098.79
26.53%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in year ended Mar 2024 is 23.97% vs 15.96% in Mar 2023

Direction Arrows
Net Profit

YoY Growth in year ended Mar 2024 is 26.53% vs 22.77% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About Indian Overseas Bank stock-summary
stock-summary
Indian Overseas Bank
Large Cap
Public Banks
Indian Overseas Bank (IOB) was founded on February 10, 1937 by Shri. M. Ct. M. Chidambaram Chettyar, a pioneer in many fields such as, Banking, Insurance and Industry with the twin objectives of specializing in foreign exchange business and overseas banking.
Company Coordinates stock-summary
Company Details
763 Anna Salai , Chennai Tamil Nadu : 600002
stock-summary
Tel: 91-44-28519491/28415702/28889392
stock-summary
http://www.iob.co.in
stock-summary
investor@iobnet.co.in / investorcom
Registrar Details
Cameo Corporate Services Ltd , Subramanian Buildings No 1 , Club House Road, Chennai
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