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

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Union Bank (I)

Bank of Maha

Punjab Natl.Bank

IDBI Bank

Bank Of Baroda

Bank Of India

Central Bank

Pun. & Sind Bank

St Bk of India

UCO Bank

I O B

Why is Indian Overseas Bank ?

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

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

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of -46.34%, its profits have risen by 23.8% ; the PEG ratio of the company is 1

Underperformed the market in the last 1 year

Even though the market (BSE 500) generated negative returns of -0.95% in the last 1 year, its fall in the stock was much higher with a return of -46.34%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is I O B for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

I O B

-46.43%

-1.01

46.00%

SENSEX

0.45%

0.03

14.48%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

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

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Price to Book Value

2.32

PEG Ratio

1.02

Dividend Yield

ROE (Latest)

10.57%

ROA (Latest)

0.85%

Net NPA to Book Value

3.34

Loading Valuation Snapshot...

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

18What is working for the Company

GROSS NPA(Q)

Lowest at 2.55%

NET NPA(Q)

Lowest at 0.42 %

NII(Q)

Highest at Rs 2,788.94 cr

CREDIT DEPOSIT RATIO(HY)

Highest at 76.20 %

INTEREST EARNED(Q)

Highest at Rs 7,111.72 cr

PBDIT(Q)

Highest at Rs 968.48 cr.

OPERATING PROFIT TO NET SALES(Q)

Highest at 13.62%

PBT LESS OI(Q)

Highest at Rs -60.16 cr.

PAT(Q)

Highest at Rs 873.66 cr.

EPS(Q)

Highest at Rs 0.46

-3What is not working for the Company

NON-OPERATING INCOME(Q)

is 104.86 % of Profit Before Tax (PBT

Loading Valuation Snapshot...

Here's what is working for I O B

Gross NPA - Quarterly

Lowest at 2.55% and Fallen

each quarter in the last five quarters

MOJO Watch

Proportion of stressed loans given by the bank are falling

Gross NPA (%)

Net NPA - Quarterly

Lowest at 0.42 % and Fallen

each quarter in the last five quarters

MOJO Watch

Proportion of stressed loans given by the bank are falling

Net NPA (%)

Net Interest Income (Quarterly)

Highest at Rs 2,788.94 cr

in the last five quarters

MOJO Watch

The bank's income from core business is increasing

Net Interest Income (Rs Cr)

Interest Earned - Quarterly

Highest at Rs 7,111.72 cr

in the last five quarters

MOJO Watch

Near term sales trend is positive

Interest Earned (Rs Cr)

Operating Profit (PBDIT) - Quarterly

Highest at Rs 968.48 cr.

in the last five quarters

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (Rs Cr)

Operating Profit Margin - Quarterly

Highest at 13.62%

in the last five quarters

MOJO Watch

Company's efficiency has improved

Operating Profit to Sales

Profit Before Tax less Other Income (PBT) - Quarterly

Highest at Rs -60.16 cr.

in the last five quarters

MOJO Watch

Near term PBT trend is positive

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly

Highest at Rs 873.66 cr.

in the last five quarters

MOJO Watch

Near term PAT trend is positive

PAT (Rs Cr)

Earnings per Share (EPS) - Quarterly

Highest at Rs 0.46

in the last five quarters

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (Rs)

Credit Deposit Ratio - Half Yearly

Highest at 76.20 %

in the last four periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for I O B

Non Operating Income - Quarterly

is 104.86 % of Profit Before Tax (PBT)

MOJO Watch

The company's income from non business activities is high; which is not a sustainable business model

Non Operating Income to PBT