Indian Overseas Bank Logo

Indian Overseas Bank

IOB.NS

(2.2)
Stock Price

58,16 INR

0.55% ROA

10.33% ROE

45.08x PER

Market Cap.

830.760.480.000,00 INR

113.68% DER

0% Yield

20.37% NPM

Indian Overseas Bank Stock Analysis

Indian Overseas Bank Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Indian Overseas Bank Fundamental Stock Analysis
# Analysis Rating
1 Net Profit Growth

This company's net profit has consistently grown over the last five years, indicating a strong financial performance and making it an attractive investment opportunity.

2 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 ROE

The stock's ROE falls within an average range (10%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.55%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (2.93x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

7 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (243), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

8 DER

The company has a high debt to equity ratio (114%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Dividend

The company has not distributed any dividends in the past three years, which may raise concerns for investors looking for regular income from their investments.

Indian Overseas Bank Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Indian Overseas Bank Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Indian Overseas Bank Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Indian Overseas Bank Revenue
Year Revenue Growth
2004 26.550.784.000
2005 26.083.087.000 -1.79%
2006 29.478.480.000 11.52%
2007 34.870.756.000 15.46%
2008 44.654.206.000 21.91%
2009 43.111.177.000 -3.58%
2010 54.321.055.000 20.64%
2011 66.947.121.000 18.86%
2012 41.553.214.000 -61.11%
2013 45.919.595.000 9.51%
2014 43.116.484.000 -6.5%
2015 12.973.882.000 -232.33%
2016 15.310.837.000 15.26%
2017 -30.467.751.000 150.25%
2018 87.147.400.000 134.96%
2019 81.695.724.000 -6.67%
2020 116.210.243.000 29.7%
2021 112.204.885.000 -3.57%
2022 123.771.300.000 9.34%
2023 138.596.000.000 10.7%
2023 155.044.700.000 10.61%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Indian Overseas Bank Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Indian Overseas Bank General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 1.555.301.000
2005 1.895.011.000 17.93%
2006 2.417.057.000 21.6%
2007 2.920.101.000 17.23%
2008 3.612.754.000 19.17%
2009 0 0%
2010 0 0%
2011 249.701.000 100%
2012 290.321.000 13.99%
2013 417.350.000 30.44%
2014 549.383.000 24.03%
2015 584.043.000 5.93%
2016 1.488.378.000 60.76%
2017 518.648.000 -186.97%
2018 579.900.000 10.56%
2019 679.730.000 14.69%
2020 663.063.000 -2.51%
2021 633.721.000 -4.63%
2022 568.328.000 -11.51%
2023 0 0%
2023 616.878.000 100%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Indian Overseas Bank EBITDA
Year EBITDA Growth
2004 27.826.571.000
2005 31.777.877.000 12.43%
2006 43.408.266.000 26.79%
2007 65.662.258.000 33.89%
2008 81.985.471.000 19.91%
2009 78.966.304.000 -3.82%
2010 91.239.793.000 13.45%
2011 142.662.405.000 36.04%
2012 161.185.958.000 11.49%
2013 178.499.727.000 9.7%
2014 182.490.516.000 2.19%
2015 154.337.538.000 -18.24%
2016 113.629.549.000 -35.83%
2017 64.206.189.000 -76.98%
2018 -15.152.210.000 523.74%
2019 -83.444.835.000 81.84%
2020 7.665.908.000 1188.52%
2021 17.787.944.999 56.9%
2022 23.534.496.000 24.42%
2023 25.420.000.000 7.42%
2023 37.591.100.000 32.38%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Indian Overseas Bank Gross Profit
Year Gross Profit Growth
2004 26.550.784.000
2005 26.083.087.000 -1.79%
2006 29.478.480.000 11.52%
2007 34.870.756.000 15.46%
2008 44.654.206.000 21.91%
2009 43.111.177.000 -3.58%
2010 54.321.055.000 20.64%
2011 66.947.121.000 18.86%
2012 41.553.214.000 -61.11%
2013 45.919.595.000 9.51%
2014 43.116.484.000 -6.5%
2015 12.973.882.000 -232.33%
2016 15.310.837.000 15.26%
2017 -30.467.751.000 150.25%
2018 87.147.400.000 134.96%
2019 81.695.724.000 -6.67%
2020 116.210.243.000 29.7%
2021 112.204.885.000 -3.57%
2022 123.771.300.000 9.34%
2023 138.596.000.000 10.7%
2023 155.044.700.000 10.61%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Indian Overseas Bank Net Profit
Year Net Profit Growth
2004 6.513.593.000
2005 7.833.442.000 16.85%
2006 10.084.348.000 22.32%
2007 12.023.357.000 16.13%
2008 13.257.916.000 9.31%
2009 7.069.615.000 -87.53%
2010 10.725.427.000 34.09%
2011 10.501.262.000 -2.13%
2012 5.672.277.000 -85.13%
2013 6.017.414.000 5.74%
2014 -4.543.251.000 232.45%
2015 -28.973.275.000 84.32%
2016 -34.167.400.000 15.2%
2017 -62.994.905.000 45.76%
2018 -37.378.800.000 -68.53%
2019 -85.274.035.000 56.17%
2020 7.583.508.000 1224.47%
2021 17.092.745.000 55.63%
2022 21.039.896.000 18.76%
2023 25.087.200.000 16.13%
2023 26.656.601.000 5.89%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Indian Overseas Bank Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 12
2005 14 21.43%
2006 19 22.22%
2007 22 18.18%
2008 24 8.33%
2009 13 -100%
2010 20 36.84%
2011 17 -18.75%
2012 6 -166.67%
2013 6 0%
2014 -4 300%
2015 -20 84.21%
2016 -16 -26.67%
2017 -23 34.78%
2018 -2 -1050%
2019 -5 60%
2020 1 0%
2021 1 0%
2022 1 100%
2023 1 0%
2023 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Indian Overseas Bank Free Cashflow
Year Free Cashflow Growth
2004 -5.042.612.000
2005 -20.347.147.000 75.22%
2006 43.434.931.000 146.85%
2007 19.542.347.000 -122.26%
2008 109.532.000 -17741.68%
2009 -13.631.917.000 100.8%
2010 -1.379.306.000 -888.32%
2011 34.738.568.000 103.97%
2012 -8.400.872.000 513.51%
2013 30.564.548.000 127.49%
2014 57.749.590.000 47.07%
2015 -28.028.221.000 306.04%
2016 -6.467.870.000 -333.35%
2017 -19.150.176.000 66.23%
2018 -16.337.411.000 -17.22%
2019 -141.515.401.000 88.46%
2020 48.841.250.000 389.75%
2021 54.829.209.000 10.92%
2022 -161.659.061.000 133.92%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Indian Overseas Bank Operating Cashflow
Year Operating Cashflow Growth
2004 -3.997.945.000
2005 -19.548.791.000 79.55%
2006 45.163.482.000 143.28%
2007 20.861.722.000 -116.49%
2008 2.431.088.000 -758.12%
2009 -12.101.948.000 120.09%
2010 -270.766.000 -4369.52%
2011 36.928.857.000 100.73%
2012 -6.068.849.000 708.5%
2013 32.780.326.000 118.51%
2014 59.409.036.000 44.82%
2015 -15.515.408.000 482.9%
2016 -5.049.500.000 -207.27%
2017 -17.932.765.000 71.84%
2018 -7.858.587.000 -128.19%
2019 -140.225.109.000 94.4%
2020 49.507.815.000 383.24%
2021 55.391.531.000 10.62%
2022 -155.835.421.000 135.54%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Indian Overseas Bank Capital Expenditure
Year Capital Expenditure Growth
2004 1.044.667.000
2005 798.356.000 -30.85%
2006 1.728.551.000 53.81%
2007 1.319.375.000 -31.01%
2008 2.321.556.000 43.17%
2009 1.529.969.000 -51.74%
2010 1.108.540.000 -38.02%
2011 2.190.289.000 49.39%
2012 2.332.023.000 6.08%
2013 2.215.778.000 -5.25%
2014 1.659.446.000 -33.53%
2015 12.512.813.000 86.74%
2016 1.418.370.000 -782.2%
2017 1.217.411.000 -16.51%
2018 8.478.824.000 85.64%
2019 1.290.292.000 -557.12%
2020 666.565.000 -93.57%
2021 562.322.000 -18.54%
2022 5.823.640.000 90.34%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Indian Overseas Bank Equity
Year Equity Growth
2004 25.751.896.000
2005 31.774.401.000 18.95%
2006 39.903.651.000 20.37%
2007 48.566.702.000 17.84%
2008 71.509.633.000 32.08%
2009 75.245.831.000 4.97%
2010 93.249.300.000 19.31%
2011 119.276.522.000 21.82%
2012 134.573.569.000 11.37%
2013 161.701.723.000 16.78%
2014 156.410.177.000 -3.38%
2015 156.658.154.000 0.16%
2016 137.445.500.000 -13.98%
2017 132.739.829.000 -3.55%
2018 163.598.900.000 18.86%
2019 161.549.750.000 -1.27%
2020 169.448.108.000 4.66%
2021 232.241.846.000 27.04%
2022 248.760.400.000 6.64%
2023 259.761.100.000 4.23%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Indian Overseas Bank Assets
Year Assets Growth
2004 508.150.422.000
2005 593.578.117.000 14.39%
2006 822.568.284.000 27.84%
2007 1.018.597.392.000 19.25%
2008 1.210.733.987.000 15.87%
2009 1.310.963.958.000 7.65%
2010 1.787.842.785.000 26.67%
2011 2.196.481.752.000 18.6%
2012 2.446.560.347.000 10.22%
2013 2.749.048.401.000 11%
2014 2.856.369.835.000 3.76%
2015 2.744.367.636.000 -4.08%
2016 2.940.628.700.000 6.67%
2017 2.479.680.302.000 -18.59%
2018 2.500.075.200.000 0.82%
2019 2.607.268.306.000 4.11%
2020 2.740.103.536.000 4.85%
2021 2.996.564.068.000 8.56%
2022 3.134.499.000.000 4.4%
2023 3.363.488.300.000 6.81%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Indian Overseas Bank Liabilities
Year Liabilities Growth
2004 482.398.526.000
2005 561.803.716.000 14.13%
2006 782.664.633.000 28.22%
2007 970.030.690.000 19.32%
2008 1.139.224.354.000 14.85%
2009 1.235.718.127.000 7.81%
2010 1.694.593.485.000 27.08%
2011 2.077.205.230.000 18.42%
2012 2.311.986.778.000 10.15%
2013 2.587.346.678.000 10.64%
2014 2.699.959.658.000 4.17%
2015 2.587.709.482.000 -4.34%
2016 2.803.183.200.000 7.69%
2017 2.346.940.473.000 -19.44%
2018 2.336.476.300.000 -0.45%
2019 2.445.718.556.000 4.47%
2020 2.570.655.428.000 4.86%
2021 2.764.322.222.000 7.01%
2022 2.885.738.600.000 4.21%
2023 295.287.300.000 -877.26%

Indian Overseas Bank Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
4.47
Net Income per Share
0.97
Price to Earning Ratio
45.08x
Price To Sales Ratio
9.82x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
3.2
EV to Sales
11.06
EV Over EBITDA
36
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.02
FreeCashFlow Yield
0
Market Cap
830,76 Bil.
Enterprise Value
935,29 Bil.
Graham Number
17.36
Graham NetNet
-5.53

Income Statement Metrics

Net Income per Share
0.97
Income Quality
0
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.77
EBT Per Ebit
0.84
Ebit per Revenue
0.32
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.32
Pretax Profit Margin
0.26
Net Profit Margin
0.2

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
10,09
Book Value per Share
13,74
Tangible Book Value per Share
162.32
Shareholders Equity per Share
13.74
Interest Debt per Share
20.49
Debt to Equity
1.14
Debt to Assets
0.09
Net Debt to EBITDA
4.02
Current Ratio
0
Tangible Asset Value
3.068,20 Bil.
Net Current Asset Value
-104,53 Bil.
Invested Capital
1.14
Working Capital
190,76 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.36

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Indian Overseas Bank Dividends
Year Dividends Growth
2003 2
2004 3 66.67%
2005 1 -200%
2006 3 50%
2007 3 33.33%
2008 4 0%
2009 5 25%
2010 4 -33.33%
2011 5 40%
2012 5 -25%
2013 2 -100%
2014 1 -100%

Indian Overseas Bank Profile

About Indian Overseas Bank

Indian Overseas Bank provides various banking products and services in India and internationally. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It accepts various deposits, such as demand, savings, current, fixed, and term deposits; foreign currency (nonresident) accounts. The company's loan products include home, vehicle, jewel, clean, education, reverse mortgage, personal, agricultural, and corporate loans, as well as loan against the property; and micro, small, and medium enterprise loans. It also provides debit and credit cards, prepaid cards, NRI accounts, agricultural and rural banking products, merchant banking, payment, and internet banking services; and health, property, home, motor, and general insurance products. As of March 31, 2022, it operated 3,214 branches, 3,355 ATMs, and 2,659 business correspondents in India; and 4 overseas branches in Singapore, Hong Kong, Colombo, and Bangkok. The company was founded in 1937 and is based in Chennai, India.

CEO
Mr. Ajay Kumar Srivastava
Employee
22.052
Address
763 Anna Salai
Chennai, 600002

Indian Overseas Bank Executives & BODs

Indian Overseas Bank Executives & BODs
# Name Age
1 Mr. Joydeep Dutta Roy
Executive Director
70
2 Mr. S. Nandakumaran A.C.S., CAIIB
Company Secretary & Deputy GM
70
3 Ram Mohan K.
Compliance Officer
70
4 Mr. Suresh R.
GM & Chief Risk Officer
70
5 Mr. Ajay Kumar Srivastava
MD, Chief Executive Officer & Executive Director
70
6 Mr. S P Mahesh Kumar
Chief Financial Officer & GM
70

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