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Indian Overseas Bank
Bank₹33.970.56%
24 Jul, 4:01 PM
CMP₹33.97
Mkt Cap₹65.13K Cr
P/E10.93
P/B1.83
ROE17.36%
52W High₹41.73
52W Low₹31.18
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Stock DNA
Key Ratios
P/E Ratio
10.93
P/B Ratio
1.83
EV/EBITDA
9.66
Price/Sales
1.96
Dividend Yield (%)
0.00
EPS (TTM ₹)
3.09
Book Value (₹)
18.44
ROE (%)
17.36
ROCE (%)
11.31
ROA (%)
1.25
EBITDA Margin (%)
32.09
Net Profit Margin (%)
16.99
Debt/Equity
1.54
Core EBITDA Growth (%)
-1.35
Net Interest Margin (%)
2.79
Credit Deposit Ratio (%)
83.28
P&L
| Particulars | FY 2021-22 (Mar) | FY 2022-23 (Mar) | FY 2023-24 (Mar) | FY 2024-25 (Mar) | FY 2025-26 (Mar) |
|---|---|---|---|---|---|
| Gross Sales | 167358421 | 194069710 | 240656670 | 281436415 | 318956785 |
| Net Sales | 167358421 | 194069710 | 240656670 | 281436415 | 318956785 |
| Total Income | 216411749 | 235234184 | 297309700 | 337503082 | 377425812 |
| Total Expenditure | 198623803 | 209411188 | 263083899 | 291777945 | 312641253 |
| Operating Profit | 17787946 | 25822996 | 34225801 | 45725137 | 64784559 |
| Depreciation | 1725589 | 2604201 | 3363692 | 3952298 | 5211757 |
| Exceptional Items | — | — | — | — | — |
| Profit Before Tax | 17787946 | 25822996 | 34225801 | 45725137 | 64784559 |
| Tax | 695200 | 4783100 | 7569200 | 11770100 | 10599900 |
| Profit After Tax (PAT) | 17092746 | 21039896 | 26656601 | 33955037 | 54184659 |
| EPS (₹) | 0.92 | 1.15 | 1.4 | 1.76 | 2.7 |
| Dividend Payout % | — | — | — | — | — |
Balance Sheet
| Particulars | FY 2021-22 (Mar) | FY 2022-23 (Mar) | FY 2023-24 (Mar) | FY 2024-25 (Mar) | FY 2025-26 (Mar) |
|---|---|---|---|---|---|
| Share Capital | 189024123 | 189024123 | 189024123 | 192565898 | 192565898 |
| Reserves | 36953393 | 59736273 | 86590368 | 129767583 | 177340777 |
| Shareholders Funds | 225977516 | 248760396 | 275614491 | 322333481 | 369906675 |
| Total Debt | 30706365 | 208037719 | 303871655 | 422276632 | 516025720 |
| Total Liabilities | 2990299737 | 3134380662 | 3518693218 | 3947079697 | 4727951927 |
| Total Assets | 2990299737 | 3134380662 | 3518693218 | 3947079697 | 4727951927 |
| Book Value / Share | 10.5003 | 11.7037 | 13.1406 | 14.9873 | 17.4261 |
| Assets | 2990299737 | 3134380662 | 3518693218 | 3947079697 | 4727951927 |
Cash Flows
| Particulars | FY 2021-22 (Mar) | FY 2022-23 (Mar) | FY 2023-24 (Mar) | FY 2024-25 (Mar) | FY 2025-26 (Mar) |
|---|---|---|---|---|---|
| Operating Activities | 55391531 | -136546793 | -11189484 | 28395471 | 47796574 |
| Investing Activities | -492941 | -5596365 | -3592906 | -5789169 | -6389206 |
| Financing Activities | 4789615 | -19161140 | -5276910 | 1441043 | -1377980 |
| Net Cash Flow | 59688205 | -161304298 | -20059300 | 24047345 | 40029388 |
IOB
₹33.97
+0.56%