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Indian Overseas Bank

IOB·NSE
₹32.13+0.66%Wed, 23 Sept '26 15:31
Industry:Banks - PSU
Indices:

Indian Overseas Bank

IOB
NSE
₹32.13
+0.66%
|Wed, 23 Sept '26 15:31
SOICxStockScans Reports
Industry
Banks - PSU
Indices
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Financials
Documents
Shareholdings
Corporate Actions
Segments
Quick Ratios
Quarterly Results
Profit & Loss
Balance Sheet
Cash Flow
Ratios
Peer Comparison
Financials
Documents
Shareholdings
Corporate Actions
Segments
Quick Ratios
Quarterly Results
Profit & Loss
Balance Sheet
Cash Flow
Ratios
Peer Comparison
6M
Price
Charts
Documents

Quick Ratios

Edit Ratios
Mkt Cap
Market Capitalization
₹61,775Cr
Close
Close Price
₹32.08
Industry
Industry
Banks - PSU
PE
Price To Earnings
10.48
PS
Price To Sales
1.86
Revenue
Revenue
₹33,290Cr
Rev Gr TTM
Revenue Growth TTM
14.82%
PAT Gr TTM
PAT Growth TTM
51.00%

Quarterly Results

Consolidated
Standalone
Numbers
Percentage
QuarterSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
RevenueCr
5,8256,1806,6346,5396,8547,1167,6357,3877,8518,1728,4898,778
Growth YoY
Revenue Growth YoY%
23.422.227.720.517.715.215.113.014.614.811.218.8
Interest Expended
Interest ExpendedCr
3,4773,7803,8684,0964,3154,3244,5104,6394,7904,8745,0195,090
Expenses
ExpensesCr
2,8292,5834,0492,7383,1912,8523,1522,7142,6983,4303,1023,989
Financing Profit
Financing ProfitCr
-481-183-1,283-295-652-60-2734364-132368-301
FPM
FPM%
-8.3-3.0-19.3-4.5-9.5-0.8-0.40.54.6-1.64.3-3.4
Other Income
Other IncomeCr
1,1171,2632,4791,0331,6341,2981,5811,4801,3651,4991,2912,160
Depreciation
DepreciationCr
000000000000
PBT
PBTCr
6361,0801,1967399821,2381,5541,5151,7291,3671,6591,859
Tax
TaxCr
83563861052053645034035012154200
PAT
PATCr
6277248106337778741,0501,1121,2281,3651,5051,659
Growth YoY
PAT Growth YoY%
25.430.523.625.723.920.729.675.558.056.243.449.3
NPM
NPM%
10.811.712.29.711.312.313.815.115.616.717.718.9
EPS
EPS₹
0.30.40.40.30.40.50.60.60.70.70.80.9
Ratios
Ratios
QuarterSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
RevenueCr
5,8256,1806,6346,5396,8547,1167,6357,3877,8518,1728,4898,778
Growth YoY
Revenue Growth YoY%
23.422.227.720.517.715.215.113.014.614.811.218.8
Interest Expended
Interest ExpendedCr
3,4773,7803,8684,0964,3154,3244,5104,6394,7904,8745,0195,090
Expenses
ExpensesCr
2,8292,5834,0492,7383,1912,8523,1522,7142,6983,4303,1023,989
Financing Profit
Financing ProfitCr
-481-183-1,283-295-652-60-2734364-132368-301
FPM
FPM%
-8.3-3.0-19.3-4.5-9.5-0.8-0.40.54.6-1.64.3-3.4
Other Income
Other IncomeCr
1,1171,2632,4791,0331,6341,2981,5811,4801,3651,4991,2912,160
Depreciation
DepreciationCr
000000000000
PBT
PBTCr
6361,0801,1967399821,2381,5541,5151,7291,3671,6591,859
Tax
TaxCr
83563861052053645034035012154200
PAT
PATCr
6277248106337778741,0501,1121,2281,3651,5051,659
Growth YoY
PAT Growth YoY%
25.430.523.625.723.920.729.675.558.056.243.449.3
NPM
NPM%
10.811.712.29.711.312.313.815.115.616.717.718.9
EPS
EPS₹
0.30.40.40.30.40.50.60.60.70.70.80.9
Ratios
Ratios

Profit & Loss

Consolidated
Standalone
Numbers
Percentage
Financial YearMar 2002Mar 2003Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
RevenueCr
3,1713,48516,97616,73619,40724,06628,14431,89633,290
Growth
Revenue Growth%
9.9-1.416.024.016.913.314.8
Interest Expended
Interest ExpendedCr
2,2032,26511,06910,41911,14614,22717,24419,32219,773
Expenses
ExpensesCr
1,5491,66810,3679,2709,76311,74611,53811,42113,218
Financing Profit
Financing ProfitCr
-581-449-4,461-2,954-1,503-1,906-6391,153299
FPM
FPM%
-18.3-12.9-26.3-17.7-7.7-7.9-2.33.60.9
Other Income
Other IncomeCr
5365255,4864,9054,1165,6655,6075,8476,316
Depreciation
DepreciationCr
2581732603363955210
PBT
PBTCr
2864367671,7792,3533,4234,5736,4786,615
Tax
TaxCr
55198702497571,1771,060857
PAT
PATCr
2314177581,7092,1042,6663,3965,4185,758
Growth
PAT Growth%
80.5125.423.126.727.459.651.0
NPM
NPM%
7.312.04.510.210.811.112.117.017.3
EPS
EPS₹
0.00.00.50.91.11.41.82.83.1
Financial YearMar 2002Mar 2003Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
RevenueCr
3,1713,48516,97616,73619,40724,06628,14431,89633,290
Growth
Revenue Growth%
9.9-1.416.024.016.913.314.8
Interest Expended
Interest ExpendedCr
2,2032,26511,06910,41911,14614,22717,24419,32219,773
Expenses
ExpensesCr
1,5491,66810,3679,2709,76311,74611,53811,42113,218
Financing Profit
Financing ProfitCr
-581-449-4,461-2,954-1,503-1,906-6391,153299
FPM
FPM%
-18.3-12.9-26.3-17.7-7.7-7.9-2.33.60.9
Other Income
Other IncomeCr
5365255,4864,9054,1165,6655,6075,8476,316
Depreciation
DepreciationCr
2581732603363955210
PBT
PBTCr
2864367671,7792,3533,4234,5736,4786,615
Tax
TaxCr
55198702497571,1771,060857
PAT
PATCr
2314177581,7092,1042,6663,3965,4185,758
Growth
PAT Growth%
80.5125.423.126.727.459.651.0
NPM
NPM%
7.312.04.510.210.811.112.117.017.3
EPS
EPS₹
0.00.00.50.91.11.41.82.83.1

Balance Sheet

Consolidated
Standalone
Numbers
Percentage
Financial YearMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital
Equity CapitalCr
16,64718,90218,90218,90219,25719,25719,257
Reserves
ReservesCr
4523,6955,9748,65912,97717,73419,689
Deposits
DepositsCr
2,40,3532,62,2142,60,9742,86,1213,11,2043,68,1913,76,193
Borrowings
BorrowingsCr
3,6723,07120,80430,38742,22851,60347,240
Other Liabilities
Other LiabilitiesCr
13,10611,1486,7977,7999,04516,01118,111
Total Liabilities
Total LiabilitiesCr
2,74,2292,99,0303,13,4503,51,8693,94,7104,72,7954,80,489
Fixed Assets
Fixed AssetsCr
3,3663,7113,7404,6555,0755,015
Investments
InvestmentsCr
95,48597,64193,64399,1941,10,5881,19,2851,22,140
Advances
AdvancesCr
1,44,8431,61,0721,95,2762,30,1202,58,2483,23,2133,33,599
Cash Equivalents
Cash EquivalentsCr
30,98236,95120,82118,81521,22025,223
Other Assets
Other AssetsCr
2,9190000019,736
Total Assets
Total AssetsCr
2,74,2292,99,0303,13,4503,51,8693,94,7104,72,7954,80,489
Financial YearMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital
Equity CapitalCr
16,64718,90218,90218,90219,25719,25719,257
Reserves
ReservesCr
4523,6955,9748,65912,97717,73419,689
Deposits
DepositsCr
2,40,3532,62,2142,60,9742,86,1213,11,2043,68,1913,76,193
Borrowings
BorrowingsCr
3,6723,07120,80430,38742,22851,60347,240
Other Liabilities
Other LiabilitiesCr
13,10611,1486,7977,7999,04516,01118,111
Total Liabilities
Total LiabilitiesCr
2,74,2292,99,0303,13,4503,51,8693,94,7104,72,7954,80,489
Fixed Assets
Fixed AssetsCr
3,3663,7113,7404,6555,0755,015
Investments
InvestmentsCr
95,48597,64193,64399,1941,10,5881,19,2851,22,140
Advances
AdvancesCr
1,44,8431,61,0721,95,2762,30,1202,58,2483,23,2133,33,599
Cash Equivalents
Cash EquivalentsCr
30,98236,95120,82118,81521,22025,223
Other Assets
Other AssetsCr
2,9190000019,736
Total Assets
Total AssetsCr
2,74,2292,99,0303,13,4503,51,8693,94,7104,72,7954,80,489

Cash Flow

Consolidated
Standalone
Financial YearMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow
Operating Cash FlowCr
4,9495,539-13,655-1,1192,6474,780
Investing Cash Flow
Investing Cash FlowCr
-46-49-560-359-579-639
Financing Cash Flow
Financing Cash FlowCr
1,813479-1,916-528337-138
Net Cash Flow
Net Cash FlowCr
6,7165,969-16,130-2,0062,4054,003
Free Cash Flow
Free Cash FlowCr
4,9035,490-14,214-1,4782,0684,141
CFO To EBITDA
CFO To EBITDA%
-110.9-187.5908.758.7-414.3414.6
Financial YearMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow
Operating Cash FlowCr
4,9495,539-13,655-1,1192,6474,780
Investing Cash Flow
Investing Cash FlowCr
-46-49-560-359-579-639
Financing Cash Flow
Financing Cash FlowCr
1,813479-1,916-528337-138
Net Cash Flow
Net Cash FlowCr
6,7165,969-16,130-2,0062,4054,003
Free Cash Flow
Free Cash FlowCr
4,9035,490-14,214-1,4782,0684,141
CFO To EBITDA
CFO To EBITDA%
-110.9-187.5908.758.7-414.3414.6

Ratios

Consolidated
Standalone
Financial YearMar 2002Mar 2003Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Current
Valuation Ratios
Valuation Ratios
Market Cap
Market CapitalizationCr
40070126,29934,40242,6251,13,37775,04360,46661,775
Price To Earnings
Price To Earnings
1.734.820.220.342.522.111.210.5
Price To Sales
Price To Sales
0.10.21.62.12.24.72.71.91.9
Price To Book
Price To Book
0.41.81.71.94.62.61.81.7
EV To EBITDA
EV To EBITDA
0.2-0.2-28.4-65.5-150.375.31,557.2
Profitability Ratios
Profitability Ratios
FPM
FPM%
-18.3-12.9-26.3-17.6-7.7-7.9-2.33.60.9
NPM
NPM%
7.312.04.510.210.811.112.117.017.3
ROCE
ROCE%
4.54.24.45.15.75.75.7
ROE
ROE%
4.47.68.59.710.514.714.8
ROA
ROA%
0.30.60.70.80.91.11.2
Solvency Ratios
Solvency Ratios
Financial YearMar 2002Mar 2003Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Current
Valuation Ratios
Valuation Ratios
Market Cap
Market CapitalizationCr
40070126,29934,40242,6251,13,37775,04360,46661,775
Price To Earnings
Price To Earnings
1.734.820.220.342.522.111.210.5
Price To Sales
Price To Sales
0.10.21.62.12.24.72.71.91.9
Price To Book
Price To Book
0.41.81.71.94.62.61.81.7
EV To EBITDA
EV To EBITDA
0.2-0.2-28.4-65.5-150.375.31,557.2
Profitability Ratios
Profitability Ratios
FPM
FPM%
-18.3-12.9-26.3-17.6-7.7-7.9-2.33.60.9
NPM
NPM%
7.312.04.510.210.811.112.117.017.3
ROCE
ROCE%
4.54.24.45.15.75.75.7
ROE
ROE%
4.47.68.59.710.514.714.8
ROA
ROA%
0.30.60.70.80.91.11.2
Solvency Ratios
Solvency Ratios

Documents — Indian Overseas Bank

  • Q1 FY2027 Earnings Call Transcript (Jun 2026, PDF): https://www.stockscans.in/document/bavn2iiwjv2itmqn5l7hlnrv.pdf
  • Q4 FY2026 Earnings Call Transcript (Mar 2026, PDF): https://www.stockscans.in/document/qnwa81g4toyajw3bpzdfogb9.pdf
  • Q3 FY2026 Earnings Call Transcript (Dec 2025, PDF): https://www.stockscans.in/document/kf4gh23ajpwe4lvmlya6p5dp.pdf
  • Q2 FY2026 Earnings Call Transcript (Sep 2025, PDF): https://www.stockscans.in/document/289exgnldvbmrsajx81hbhr6.pdf
  • Q4 FY2025 Earnings Call Transcript (Mar 2025, PDF): https://www.stockscans.in/document/ldrnvvlo5co7v5psgw2npmkf.pdf
  • Q1 FY2025 Earnings Call Transcript (Jun 2024, PDF): https://www.stockscans.in/document/k3k4oye80tnoj7bmuxki0i5p.pdf
  • Q1 FY2027 Quarterly Result (Jun 2026, PDF): https://www.stockscans.in/document/l8wwfqsg4fqjugkjrlo6qbrz.pdf
  • Q4 FY2026 Quarterly Result (Mar 2026, PDF): https://www.stockscans.in/document/a9e8o27r16se82yhuemn7z7r.pdf
  • Q3 FY2026 Quarterly Result (Dec 2025, PDF): https://www.stockscans.in/document/abwidzwtxqej4dvgazmgx2yp.pdf
  • Q2 FY2026 Quarterly Result (Sep 2025, PDF): https://www.stockscans.in/document/y30s6blxjvgdet9prhbpd85c.pdf
  • Q1 FY2026 Quarterly Result (Jun 2025, PDF): https://www.stockscans.in/document/t21793pbepbxxurf37qcin9g.pdf
  • Q4 FY2025 Quarterly Result (Mar 2025, PDF): https://www.stockscans.in/document/nu2p4jg3k02fmu48prf7luwr.pdf
  • Q3 FY2025 Quarterly Result (Dec 2024, PDF): https://www.stockscans.in/document/tsu909wlsiztp7tr5klrllz4.pdf
  • Q2 FY2025 Quarterly Result (Sep 2024, PDF): https://www.stockscans.in/document/ui0lkzwkldepbcekitfj62s0.pdf
  • Q1 FY2027 Investor Presentation (Jun 2026, PDF): https://www.stockscans.in/document/4es6asi6nzwkcz4nhqv754bi.pdf
  • Q4 FY2026 Investor Presentation (Mar 2026, PDF): https://www.stockscans.in/document/9o051p8w2qx2slwreenhvtw5.pdf
  • Q3 FY2026 Investor Presentation (Dec 2025, PDF): https://www.stockscans.in/document/441apnjh572enydfu8sxiq69.pdf
  • Q2 FY2026 Investor Presentation (Sep 2025, PDF): https://www.stockscans.in/document/is2yob1lnrjt95y65e2f7pzo.pdf
  • Q1 FY2026 Investor Presentation (Jun 2025, PDF): https://www.stockscans.in/document/b9jhn9v0ca7x4k9smdjz010u.pdf
  • Q4 FY2025 Investor Presentation (Mar 2025, PDF): https://www.stockscans.in/document/oveqz8elbeqm9k6wkbaybz2u.pdf
  • Q3 FY2025 Investor Presentation (Dec 2024, PDF): https://www.stockscans.in/document/7xd91kqzaf8x4zz3a7l21f33.pdf
  • Q2 FY2025 Investor Presentation (Sep 2024, PDF): https://www.stockscans.in/document/6qaqv0lh1tofsr2456oi0iws.pdf
  • FY2026 Annual Report (PDF): https://www.stockscans.in/document/5zm8kpinhvbxoiq5x2kmhf0p.pdf
  • FY2025 Annual Report (PDF): https://www.stockscans.in/document/skkv7yf10cah8m3u4tnxaeju.pdf
  • FY2024 Annual Report (PDF): https://www.stockscans.in/document/fgdj31hmfbtn2dzmaga262fq.pdf
  • FY2023 Annual Report (PDF): https://www.stockscans.in/document/b5d5ada8ycrfk0nxfzrj6iyk.pdf
  • FY2022 Annual Report (PDF): https://www.stockscans.in/document/fy00y0gozeb6b295khr2johs.pdf
  • FY2021 Annual Report (PDF): https://www.stockscans.in/document/guhbomvql5kpjblyvcnc1i87.pdf
  • FY2020 Annual Report (PDF): https://www.stockscans.in/document/2tq1bx0x6p5kiyqvryvdlxva.pdf

Concall Transcript Summaries — Indian Overseas Bank

  • Q1 FY2027 Concall Transcript Summary (Jun 2026): https://www.stockscans.in/company/NSE%3AIOB/transcript-notes/202606/bavn2iiwjv2itmqn5l7hlnrv.pdf
  • Q4 FY2026 Concall Transcript Summary (Mar 2026): https://www.stockscans.in/company/NSE%3AIOB/transcript-notes/202603/qnwa81g4toyajw3bpzdfogb9.pdf
  • Q3 FY2026 Concall Transcript Summary (Dec 2025): https://www.stockscans.in/company/NSE%3AIOB/transcript-notes/202512/kf4gh23ajpwe4lvmlya6p5dp.pdf
  • Q2 FY2026 Concall Transcript Summary (Sep 2025): https://www.stockscans.in/company/NSE%3AIOB/transcript-notes/202509/289exgnldvbmrsajx81hbhr6.pdf
  • Q4 FY2025 Concall Transcript Summary (Mar 2025): https://www.stockscans.in/company/NSE%3AIOB/transcript-notes/202503/ldrnvvlo5co7v5psgw2npmkf.pdf
  • Q1 FY2025 Concall Transcript Summary (Jun 2024): https://www.stockscans.in/company/NSE%3AIOB/transcript-notes/202406/k3k4oye80tnoj7bmuxki0i5p.pdf

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