Indian Overseas Bank
NSE: IOB · Public Sector Bank · sector
₹30.38NSE close 2026-10-26
Key numbers
Market cap₹58,502 cr
Price₹30.38
52w high / low₹42 / ₹30
P/E10.2xSector median 7.5x
P/B1.6xSector median 0.9x
Book value₹19.5
Dividend yield–Sector median 2.66%
ROE16.4%Sector median 15.4%
ROA1.22%Sector median 0.99%
Gross NPA1.33%
Net NPA0.18%
CET116.88%
Sales growth 3y+18.0%Sector median +14.5%
Profit growth 3y+1.7%Sector median +31.2%
PEG0.31x
Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 12 companies in Public Sector Bank (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- No promoter shares are pledged.
- Promoter holding fell by 2.17 percentage points in a year, to 92.44% (2026-09-30).
- Total income was higher than a year earlier in 4 of the last 4 quarters.
- No dividend in the last 5 financial years.
- Price ₹30.38 on 2026-10-26: -27.3% from the 52-week high, +1.1% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹61.05 · low ₹30.38
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 6,851 | 7,112 | 7,634 | 7,386 | 7,849 | 8,172 | 8,489 | 8,778 |
| Net interest income | 2,537 | 2,789 | 3,123 | 2,746 | 3,059 | 3,299 | 3,470 | 3,688 |
| Operating profit | 2,128 | 2,266 | 2,618 | 2,358 | 2,400 | 2,603 | 2,665 | 2,693 |
| Other income | 1,633 | 1,298 | 1,581 | 1,481 | 1,365 | 1,499 | 1,291 | 2,160 |
| Net profit | 777 | 874 | 1,051 | 1,111 | 1,226 | 1,365 | 1,505 | 1,659 |
| EPS (₹) | 0.42 | 0.46 | 0.56 | 0.58 | 0.64 | 0.71 | 0.78 | 0.86 |
| Gross NPA % | 2.72 | 2.55 | 2.14 | 1.97 | 1.83 | 1.54 | 1.42 | 1.33 |
| Net NPA % | 0.47 | 0.42 | 0.37 | 0.32 | 0.28 | 0.24 | 0.21 | 0.18 |
| Revenue YoY | +14.6% | +14.9% | +11.2% | +18.8% | ||||
| Profit YoY | +57.8% | +56.3% | +43.2% | +49.3% |
Standalone figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|---|---|
| Revenue | 16,730 | 19,400 | 24,050 | 28,131 | 31,896 | 33,288 |
| Net profit | 1,710 | 4,957 | 2,656 | 3,335 | 5,208 | 5,756 |
| EPS (₹) | 0.92 | 1.15 | 1.40 | 1.76 | 2.70 | 2.99 |
| Revenue growth | +16.0% | +24.0% | +17.0% | +13.4% | +14.9% | |
| Profit growth | +189.9% | -46.4% | +25.6% | +56.2% | +51.0% | |
| Dividend / share (₹) | – | – | – | – | – |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | +18.0% | +13.5% | +14.9% |
| Net profit | +1.7% | +44.3% | +51.0% |
| EPS | +32.9% | +39.6% | – |
| Share price | – | -24.6% (2y) | -25.3% |
Balance sheet
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Shareholders' equity | – | – | 27,942 | 32,541 | 37,515 |
| Borrowings | – | – | 30,387 | 42,228 | 51,603 |
| Cash & equivalents | – | – | 0 | 0 | 0 |
| Total assets | – | – | 3,52,034 | 3,95,015 | 4,73,320 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Cash from operations | 5,566 | -11,476 | -1,165 | 2,963 | 5,502 |
| Cash from investing | -48 | -563 | -359 | -565 | -639 |
| Cash from financing | 479 | 13 | -528 | 118 | -710 |
| Capex | 0 | 0 | 0 | 0 | 0 |
| Free cash flow | 5,566 | -11,476 | -1,165 | 2,963 | 5,502 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| ROE % | – | – | 9.5% | 10.2% | 13.9% |
Shareholding
| Holder | % (2026-09-30) |
|---|---|
| Promoters | 92.44% |
| FIIs | 0.48% |
| DIIs | 4.29% |
| of which Mutual funds | 0.23% |
| of which Insurance | 3.72% |
| Government | 0.00% |
| Public (non-institutions) | 2.79% |
| Quarter | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 94.61% | 94.61% | 94.61% | 92.44% | 92.44% | 92.44% | 92.44% | 92.44% |
| Promoter group | % |
|---|---|
| President of India | 92.44% |
| Public holders above 1% | % |
|---|---|
| Life Insurance Corporation of India | 3.70% |
9,43,961 shareholders. Pledged: 0.00% of promoter shares.
Peers in Public Sector Bank
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| SBIN | ₹8,86,876 cr | 10.8x | 1.6x | 16.6% | 1.08% | 1.47% | +13.3% | 1.60% |
| PNB | ₹1,38,938 cr | 6.6x | 0.9x | 14.6% | 1.02% | 2.55% | +14.6% | 2.39% |
| UNIONBANK | ₹1,38,321 cr | 6.5x | 1.0x | 16.3% | 1.32% | 2.42% | +9.5% | 2.62% |
| BANKBARODA | ₹1,20,121 cr | 7.2x | 0.8x | 11.6% | 0.83% | 1.99% | +12.3% | 3.59% |
| INDIANB | ₹1,11,798 cr | 8.7x | 1.3x | 16.1% | 1.20% | 1.61% | +14.5% | 1.96% |
| CANBK | ₹1,05,864 cr | 5.4x | 0.9x | 17.0% | 0.97% | 1.33% | +14.4% | 3.43% |
| MAHABANK | ₹58,548 cr | 7.9x | 1.8x | 24.2% | 1.74% | 1.45% | +22.6% | 3.28% |
| IOB | ₹58,502 cr | 10.2x | 1.6x | 16.4% | 1.22% | 1.33% | +18.0% | – |
| BANKINDIA | ₹57,519 cr | 5.1x | 0.7x | 13.6% | 0.97% | 1.81% | +16.4% | 3.20% |
| UCOBANK | ₹27,574 cr | 9.2x | 0.8x | 8.9% | 0.71% | 1.96% | +20.6% | – |
Business segments (FY26)
| Segment | Revenue | Share | EBIT | Margin |
|---|---|---|---|---|
| Retail Banking | ₹16,847 cr | 44.9% | ₹3,895 cr | 23.1% |
| Corporate/Wholesale Banking | ₹11,037 cr | 29.4% | ₹3,949 cr | 35.8% |
| Treasury Operations | ₹8,886 cr | 23.7% | ₹1,741 cr | 19.6% |
| Other Banking Operations | ₹614 cr | 1.6% | ₹305 cr | 49.7% |
| Unallocated | ₹149 cr | 0.4% | ₹136 cr | 91.8% |
Dividends & corporate actions
| Ex-date | Action | Detail |
|---|---|---|
| 2024-06-25 | Other | Annual General Meeting |
| 2023-06-30 | Other | Annual General Meeting |
| 2022-07-07 | Other | Annual General Meeting |
| 2021-07-29 | Other | Annual General Meeting |
| 2020-08-14 | Other | Annual General Meeting |
| 2019-07-02 | Other | Annual General Meeting |
| 2018-07-02 | Other | Annual General Meeting |
| 2017-06-19 | Other | Annual General Meeting |
| 2016-07-08 | Other | Annual General Meeting |
| 2015-06-22 | Other | Annual General Meeting |
| 2014-06-19 | Dividend | Annual General Meeting / Final Dividend - Re 0.50/- Per Share |
| 2014-02-10 | Dividend | Interim Dividend - Re 0.70/- Per Share |
| 2013-06-20 | Dividend | Final Dividend Rs.2/- Per Equity Share |
| 2012-06-21 | Dividend | Annual General Meeting And Dividend Rs.4.50 Per Share |
| 2011-07-04 | Dividend | Dividend-Rs.5/- Per Share |
| 2010-05-26 | Dividend | Dividend-Rs.3.50 Pr Share |
| 2009-05-21 | Other | Agm/Div-Rs.4.50 Per Share |
| 2008-10-16 | Other | Egm |
| 2008-05-05 | Dividend | Agm/Dividend - 35% Purpose Revised |
| 2007-05-07 | Dividend | Agm/Dividend-30% |
Documents
- Annual report FY26
- Annual report FY25
- Annual report FY24
- Annual report FY23
- Annual report FY22
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Financial Services: Banking Activity - Retail, MSME, Agri, Corporate & International Banking
| Sector | Financial Services |
| Industry | Public Sector Bank |
| Sub-industry | Public Sector Bank |
| Symbol | IOB |
| BSE code | 532388 |
| ISIN | INE565A01014 |
| Face value | ₹10.0 |
| Incorporated | 1936-11-20 |
| Website | www.iob.bank.in |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-22 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.