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INDIAN OVERSEAS BANK
Intrinsic Value | Fundamental Analysis

BOM : 532388     NSE : IOB    
LT :  
    Long Term Analysis
Fundamentals : Good
Valuation : Bad [Stock is Expensive]
NPA (Non Performing Assets) : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Upward
Pledged Shares : None or < 25%
Dec 06,2024
Price(EOD): ₹ 57.83
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Public
MCap: ₹ 109,312.58 Cr
Value of ₹ 1 Lac invested in INDIAN OVERSEAS BANK
on Dec 06,2019 (price: ₹ 10.15)

₹ 1 L

₹ 5.70 L

1W : 8.4% 1M : 6.7% 1Y : 40.8%
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for INDIAN OVERSEAS BANK
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INDIAN OVERSEAS BANKis part of below Screeners ↓
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Industry Peers & Returns1W1M1Y
INDIAN OVERSEAS BANK 8.4% 6.7% 40.8%
STATE BANK OF INDIA 3.3% 1.7% 45.4%
PUNJAB NATIONAL BANK 5% 5.2% 30.2%
BANK OF BARODA 7.3% 2.6% 24.3%
UNION BANK OF INDIA 7.6% 9.7% 12.1%
CANARA BANK 7.3% 5.3% 26.8%
INDIAN BANK 1.9% 3% 46.4%
BANK OF INDIA 7% 6.7% 8.3%
UCO BANK 13.1% 8.6% 25.6%

FUNDAMENTAL ANALYSIS OF INDIAN OVERSEAS BANK

 
Fundamentals Score
[ Q(TTM): Sep2024, Y: Mar2024
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]


VALUATION OF INDIAN OVERSEAS BANK

 
Valuation Score
[As on : Dec 06,2024 ]

Ratio Consolidated
P/E
P/B
P/S
36.89
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 2,962.83 Cr
[Latest Qtr - Sep2024 - Consolidated Results ]

3.97
P/B Calculated based on Book Value of Rs 27,561.40 Cr
[Latest Year - Mar2024 - Consolidated Results ]

4.17
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 26,206.30 Cr
[Latest Qtr - Sep2024 - Consolidated Results ]

Financial Ratios →

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FAIR VALUE OF INDIAN OVERSEAS BANK

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
NA
809%
4929%

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SHARE PRICE MOMENTUM OF INDIAN OVERSEAS BANK


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NPA

Year Net NPA/Advances ratio
Consolidated
2024
2023
2022
Avg_3yrs
0.57
1.83
2.65
1.68

PLEDGED PROMOTER SHARES OF INDIAN OVERSEAS BANK

Pledged Promoter Shares
0 %
As on : Dec2023

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF INDIAN OVERSEAS BANK

Consolidated Q-o-Q Y-o-Y
Net Interest Income
Op Profit
Profit Before Tax
Profit After Tax
4.82%
25.95%
30.58%
20.19%
17.67%
26.84%
54.89%
24.31%
QtrlyTrend
8
Latest Qtr: Sep2024
Quarterly Result Analysis →


INDIAN OVERSEAS BANK related INDICES

BSE Indices1W1M1Y
S&P BSE LARGE MIDCAP 3.3% 1.9% 27.6%
S&P BSE FINANCE 3.1% 4.5% 21.2%
S&P BSE PSU 2.8% 3.7% 49.1%
S&P BSE 500 2.7% 3.4% 28.1%
S&P BSE 250 LARGEMIDCAP 2.6% 3.4% 27.3%
NSE Indices1W1M1Y
NIFTY PSU BANK 5% 5.8% 39.4%
NIFTY FREE MIDCAP 100 4.1% 5.2% 35.3%
NIFTY MIDCAP150 3.6% 4.3% 34.5%
NIFTY MID SMALL400 3.6% 4.2% 35.6%
NIFTY LARGE MIDCAP 250 3% 3.8% 30.4%

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FAQ about INDIAN OVERSEAS BANK


Is INDIAN OVERSEAS BANK good for long term investment?

As on Dec 06,2024, the Fundamentals of INDIAN OVERSEAS BANK look Strong and hence it may be good for long term investment! See Financial Performance of INDIAN OVERSEAS BANK. Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is INDIAN OVERSEAS BANK UnderValued or OverValued?

As on Dec 06,2024, INDIAN OVERSEAS BANK is Over Valued based on the estimates of intrinsic value and hence may not be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of INDIAN OVERSEAS BANK ?

As on Dec 06,2024, the Intrinsic Value of INDIAN OVERSEAS BANK is Rs. 3.75 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. -0.64
Fair Value [Median EV / Sales Model] : Rs. 6.36
Fair Value [Median Price / Sales Model] : Rs. 1.15
Estimated Median Fair Value of INDIAN OVERSEAS BANK : Rs. 3.75

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is INDIAN OVERSEAS BANK trading at a Premium or Discount?

As on Dec 06,2024, INDIAN OVERSEAS BANK is trading at a Premium of 1441% based on the estimates of Median Intrinsic Value!