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Indian Overseas Bank

NSE: IOB BSE: 532388

36.45

(-0.92%)

Wed, 04 Mar 2026, 11:43 am

Indian Overseas Bank Analysis

dividend

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Pros

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    Cons

    • Unable to calculate sustainability of dividends as Indian Overseas Bank has not reported any payouts.
    • Unable to evaluate Indian Overseas Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate Indian Overseas Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • Indian Overseas Bank's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
    • Indian Overseas Bank's liabilities are made up of primarily low risk sources of funding.
    • Indian Overseas Bank has an acceptable proportion of non-loan assets held.
    • Loans at Indian Overseas Bank are broadly funded by customer deposits.
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    Cons

    • Indian Overseas Bank has a high level of bad loans (greater than 2%).

    management

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    Pros

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      Cons

      • The average tenure for the Indian Overseas Bank board of directors is less than 3 years, this suggests a new board.
      • The average tenure for the Indian Overseas Bank management team is less than 2 years, this suggests a new team.

      misc

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      Pros

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        Cons

        • Indian Overseas Bank is not covered by any analysts.
        • Indian Overseas Bank has significant price volatility in the past 3 months.

        past

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        Pros

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          Cons

          • Unable to compare Indian Overseas Bank's 1-year earnings growth to the 5-year average as it is not currently profitable.
          • Indian Overseas Bank does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
          • It is difficult to establish if Indian Overseas Bank has efficiently used its assets last year compared to the IN Banks industry average (Return on Assets) as it is loss-making.
          • It is difficult to establish if Indian Overseas Bank improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
          • It is difficult to establish if Indian Overseas Bank has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
          • Unable to compare Indian Overseas Bank's 1-year growth to the IN Banks industry average as it is not currently profitable.

          value

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          Pros

          • 532388 outperformed the Banks industry which returned -37.5% over the past year.
          • 532388 outperformed the Market in India which returned -14.5% over the past year.
          • BSE:532388 is up 37.8% outperforming the Banks industry which returned 7.6% over the past month.
          • BSE:532388 is up 37.8% outperforming the market in India which returned 8% over the past month.
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          Cons

          • Indian Overseas Bank is overvalued based on assets compared to the IN Banks industry average.
          • Indian Overseas Bank is loss making, we can't compare its value to the IN Banks industry average.
          • Indian Overseas Bank is loss making, we can't compare the value of its earnings to the India market.

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