Indian Overseas Bank Stock Price Today (NSE: IOB)
Fundamental Score
Indian Overseas Bank Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Indian Overseas Bank share price today is ₹34.10, up +1.10% on NSE/BSE as of 3 August 2026. Indian Overseas Bank (IOB) is a Large-cap company in the Public Sector Bank sector with a market capitalisation of ₹65.05K (Cr). The 52-week high for IOB share price is ₹41.80 and the 52-week low is ₹31.20. At a P/E ratio of 12.50x, IOB is currently trading above its industry average P/E of 7.40x. The company has a Return on Equity (ROE) of 14.86% and a debt-to-equity ratio of 11.19.
Indian Overseas Bank Share Price Chart — NSE/BSE Historical Performance
Indian Overseas Bank share price chart: -0.79% return over the past month. 52-week high ₹41.80, 52-week low ₹31.20.
Indian Overseas Bank — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹33.85 | ₹34.18 | ₹33.67 | ₹33.90 | 15.81L (Cr) | |
| ₹33.80 | ₹33.87 | ₹33.50 | ₹33.73 | 21.00L (Cr) | |
| ₹34.00 | ₹34.07 | ₹33.72 | ₹33.79 | 14.78L (Cr) | |
| ₹34.00 | ₹34.20 | ₹33.81 | ₹33.84 | 15.13L (Cr) | |
| ₹34.35 | ₹34.53 | ₹34.02 | ₹34.12 | 21.52L (Cr) | |
| ₹33.73 | ₹34.00 | ₹33.23 | ₹33.88 | 27.89L (Cr) | |
| ₹34.60 | ₹34.64 | ₹33.65 | ₹33.82 | 38.72L (Cr) | |
| ₹35.19 | ₹36.20 | ₹34.95 | ₹35.25 | 191.27L (Cr) | |
| ₹34.00 | ₹35.50 | ₹33.92 | ₹35.00 | 307.23L (Cr) | |
| ₹33.80 | ₹33.95 | ₹33.55 | ₹33.85 | 16.65L (Cr) |
Indian Overseas Bank — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹34.19 | ₹36.20 | ₹33.23 | ₹33.90 | -0.85% | |
| ₹33.66 | ₹36.53 | ₹32.26 | ₹34.09 | +1.28% | |
| ₹35.00 | ₹35.50 | ₹32.94 | ₹33.42 | -4.51% | |
| ₹32.45 | ₹36.39 | ₹31.41 | ₹35.00 | +7.86% | |
| ₹35.05 | ₹35.65 | ₹31.20 | ₹31.38 | -10.47% | |
| ₹34.35 | ₹37.36 | ₹33.72 | ₹36.45 | +6.11% | |
| ₹36.00 | ₹38.02 | ₹33.53 | ₹35.63 | -1.03% | |
| ₹38.90 | ₹39.38 | ₹33.71 | ₹36.13 | -7.12% | |
| ₹40.31 | ₹41.14 | ₹38.01 | ₹38.79 | -3.77% | |
| ₹39.55 | ₹41.80 | ₹38.45 | ₹40.11 | +1.42% | |
| ₹37.98 | ₹41.32 | ₹37.72 | ₹39.54 | +4.11% | |
| ₹36.95 | ₹38.98 | ₹35.51 | ₹38.09 | +3.09% |
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Indian Overseas Bank Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Indian Overseas Bank Fundamental Analysis & Valuation Benchmarking
Educational evaluation of IOB across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (55.32%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Robust Profit Growth (43.23%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Consistent Growth Track Record (13.46% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (39.87% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (44.37% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
7 factors identified
Suboptimal ROCE (6.07%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Elevated Debt Levels (D/E: 11.19)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.32x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-5093.56 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Public Float (92.44% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity.
Limited Institutional Interest (FII+DII: 4.76%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Indian Overseas Bank vs Public Sector Bank Peers
Peer Comparison - Public Sector Bank
Compare Indian Overseas Bank with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
Indian Overseas BankIndian Overseas...Selected✓ IOB • 532388 | 52.9/100 | ₹34.10₹34 | ₹65048.76₹65048.76 | 12.50Average 12.5 Average | 14.86%Average 14.86% Average | 6.07%Poor 6.07% Poor | 11.19Poor 11.2 Poor | 44.37%Excellent 44.37% Excellent | 13.46%Good 13.46% Good | 0.00% |
State Bank of IndiaState Bank of I... SBIN • 500112 | 47.2/100 | ₹1027.40₹1027 | ₹951408.11₹951408.11 | 11.42Average 11.4 Average | 15.38%Good 15.38% Good | 6.13%Poor 6.13% Poor | 11.44Poor 11.4 Poor | 30.01%Excellent 30.01% Excellent | 13.11%Good 13.11% Good | 1.68% |
Union Bank of IndiaUnion Bank of I... UNIONBANK • 532477 | 56.5/100 | ₹171.24₹171 | ₹131680.68₹131680.68 | 6.38Average 6.4 Average | 15.70%Good 15.70% Good | 6.30%Poor 6.30% Poor | 9.74Poor 9.7 Poor | 46.86%Excellent 46.86% Excellent | 9.03%Good 9.03% Good | 2.90% |
Bank of BarodaBank of Baroda... BANKBARODA • 532134 | 51.5/100 | ₹242.60₹243 | ₹128327.35₹128327.35 | 6.47Average 6.5 Average | 12.70%Average 12.70% Average | 5.63%Poor 5.63% Poor | 11.13Poor 11.1 Poor | 72.77%Excellent 72.77% Excellent | 12.56%Good 12.56% Good | 3.43% |
Punjab National BankPunjab National... PNB • 532461 | 50.5/100 | ₹112.71₹113 | ₹121549.78₹121549.78 | 6.61Average 6.6 Average | 12.99%Average 12.99% Average | 6.13%Poor 6.13% Poor | 12.22Poor 12.2 Poor | 48.17%Excellent 48.17% Excellent | 9.80%Good 9.80% Good | 2.84% |
Canara BankCanara Bank... CANBK • 532483 | 48.8/100 | ₹124.98₹125 | ₹114753.03₹114753.03 | 6.40Average 6.4 Average | 16.08%Good 16.08% Good | 6.52%Poor 6.52% Poor | 14.64Poor 14.6 Poor | 44.35%Excellent 44.35% Excellent | 12.46%Good 12.46% Good | 3.32% |
Indian BankIndian Bank... INDIANB • 532814 | 57.5/100 | ₹836.50₹837 | ₹111845.25₹111845.25 | 8.75Average 8.8 Average | 15.45%Good 15.45% Good | 6.32%Poor 6.32% Poor | 10.64Poor 10.6 Poor | 30.02%Excellent 30.02% Excellent | 11.54%Good 11.54% Good | 2.20% |
Bank of IndiaBank of India... BANKINDIA • 532149 | 49.1/100 | ₹137.95₹138 | ₹66118.61₹66118.61 | 6.25Average 6.3 Average | 12.41%Average 12.41% Average | 5.93%Poor 5.93% Poor | 11.67Poor 11.7 Poor | 39.24%Excellent 39.24% Excellent | 13.10%Good 13.10% Good | 3.20% |
Bank of MaharashtraBank of Maharas... MAHABANK • 532525 | 64.9/100 | ₹79.33₹79 | ₹61609.36₹61609.36 | 8.18Average 8.2 Average | 22.65%Excellent 22.65% Excellent | 6.03%Poor 6.03% Poor | 10.74Poor 10.7 Poor | 65.15%Excellent 65.15% Excellent | 19.80%Excellent 19.80% Excellent | 2.75% |
UCO BankUCO Bank... UCOBANK • 532505 | 44/100 | ₹26.17₹26 | ₹32891.24₹32891.24 | 11.89Average 11.9 Average | 8.61%Poor 8.61% Poor | 5.55%Poor 5.55% Poor | 10.55Poor 10.6 Poor | 110.04%Excellent 110.04% Excellent | 12.71%Good 12.71% Good | 1.68% |
Central Bank of IndiaCentral Bank of... CENTRALBK • 532885 | 39.4/100 | ₹30.97₹31 | ₹29625.38₹29625.38 | 6.56Average 6.6 Average | 11.90%Average 11.90% Average | 5.64%Poor 5.64% Poor | 12.83Poor 12.8 Poor | 45.91%Excellent 45.91% Excellent | 9.64%Good 9.64% Good | 3.67% |
Top Public Sector Bank Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- State Bank of India share price951408.11 Cr
- Union Bank of India share price131680.68 Cr
- Bank of Baroda share price128327.35 Cr
- Punjab National Bank share price121549.78 Cr
- Canara Bank share price114753.03 Cr
Indian Overseas Bank PE Ratio History
Historical price-to-earnings ratio for IOB — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹1.76 | ₹36.13 | 20.5x |
| FY 2024 | ₹1.40 | ₹51.76 | 37x |
| FY 2023 | ₹1.15 | ₹43.30 | 37.7x |
| FY 2022 | ₹0.92 | ₹32.10 | 34.9x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
Indian Overseas Bank Quarterly Performance
Latest quarterly metrics for IOB — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
11.21%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
43.23%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
13.46%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
44.37%
Compounded annual net profit growth over 5 years
Indian Overseas Bank Technical Indicators
SMA 50, SMA 200, RSI and volume signals for IOB — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Indian Overseas Bank Financial Statements
Annual income statement, balance sheet and cash flow for Indian Overseas Bank (IOB) — sourced from NSE/BSE filings.
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Fetching financial data for Indian Overseas Bank
About IOB (Indian Overseas Bank)
Indian Overseas Bank is a venerable institution woven into the financial fabric of India, a key player in the nation's public sector banking landscape. Rooted in a history of servi...ng both domestic and international customers, IOB stands as a beacon of financial inclusion, striving to empower individuals and businesses alike. It operates through a diverse range of segments designed to cater to the varying needs of its clientele, these being Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. IOB seeks to be a comprehensive provider of financial services, bridging the gap between aspiration and achievement for a vast spectrum of Indian society. At the heart of IOB's operations lies a commitment to providing accessible and reliable banking solutions. Its deposit offerings are extensive, ranging from easily accessible demand accounts and savings accounts to long-term instruments like fixed and recurring deposits. The bank recognizes the importance of secure and adaptable deposit options in fostering financial stability and growth. Recognizing that loans are vital to progress, IOB's loan portfolio mirrors the diverse needs of its customers, encompassing personal loans for individual needs, loans for education and agriculture, and financing solutions for corporations. Indian Overseas Bank continues to evolve in response to the changing financial landscape, embracing innovation while remaining true to its core values of integrity and customer service. Beyond its traditional banking products, the bank explores new avenues to enhance customer experience and expand its reach. By leveraging technology and fostering a culture of continuous improvement, IOB strives to provide a relevant and reliable platform for financial growth and empowerment, ensuring that individuals and businesses have access to the resources they need to succeed in an ever-changing world.
Company Details
Key Leadership
Corporate Events
Latest News
IOB Share Price: Frequently Asked Questions
What is the current share price of Indian Overseas Bank?
Indian Overseas Bank (IOB) trades at ₹34.10 on NSE and BSE. Market cap ₹65.05K (Cr). Educational data only.
What is the P/E ratio of Indian Overseas Bank?
Indian Overseas Bank has a P/E of 12.50x vs industry average 7.40x.
What is the Bull Run score for Indian Overseas Bank?
Indian Overseas Bank has a Bull Run score of 52.9/100 based on 25+ financial parameters.
Does Indian Overseas Bank pay dividends?
Indian Overseas Bank has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of Indian Overseas Bank?
Indian Overseas Bank has ROE of 14.86%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Indian Overseas Bank?
Indian Overseas Bank has debt-to-equity of 11.19.
Is Indian Overseas Bank a good investment?
Bull Run gives Indian Overseas Bank a score of 52.9/100. This is not investment advice — consult a SEBI-registered advisor.