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Swing Capital

Indian Overseas Bank

NSE: IOB BSE: 532388Banking

Indian Overseas Bank was founded in 1937 by Chidambaram Chettyar. It was one of the 14 major banks that were nationalized in 1969. [1]

₹33.1
52W: ₹31.2 — ₹42.8
PE 12.2 · Book ₹19.5 · +70% vs book
Market Cap₹63,778 Cr
Stock P/E12.2Price to Earnings
ROCE6.06%Return on Capital
ROE14.9%Return on Equity
Div. Yield0%Face Value ₹10

Strengths

  • +Company has delivered good profit growth of 44.4% CAGR over last 5 years
  • +Company's working capital requirements have reduced from 132 days to 105 days

Weaknesses

  • −Though the company is reporting repeated profits, it is not paying out dividend
  • −Company has low interest coverage ratio.
  • −Company has a low return on equity of 12.2% over last 3 years.
  • −Contingent liabilities of Rs.1,76,039 Cr.
  • −Company might be capitalizing the interest cost

Shareholding Pattern

Promoters92.44%
FIIs0.43%
DIIs4.28%
Public2.85%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters96.38%96.38%96.38%94.61%▼1.894.61%94.61%92.44%▼2.292.44%
FIIs0.05%0.04%▼0.00.02%▼0.00.22%▲0.20.08%▼0.10.31%▲0.20.35%▲0.00.43%▲0.1
DIIs1.3%1.3%1.3%2.59%▲1.32.37%▼0.22.3%▼0.14.26%▲2.04.28%▲0.0
Public2.27%2.29%▲0.02.3%▲0.02.58%▲0.32.94%▲0.42.78%▼0.22.93%▲0.22.85%▼0.1

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses2,5814,0472,7363,1892,8493,1502,7132,6973,4303,102
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit7238086337778741,0511,1111,2261,3651,505
EPS ₹0.380.430.330.410.460.550.580.640.710.78

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 4.28% (+2.95pp change). FIIs: 0.43% (+0.34pp change). Promoters hold 92.44%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 12.2x with 6.06% ROCE. Price is 70% above book value of ₹19.5. Dividend yield: 0%.

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