ScoreWhy is Indian Overseas Bank ?
1
Strong lending practices with low Gross NPA ratio of 1.83%
2
Strong Long Term Fundamental Strength with a 22.39% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 22.39%
4
With a growth in Interest of 6.27%, the company declared Very Positive results in Sep 25
- The company has declared positive results for the last 23 consecutive quarters
- GROSS NPA(Q) Lowest at 1.83%
- PBT LESS OI(Q) Highest at Rs 362.13 cr.
- PAT(Q) Highest at Rs 1,226.42 cr.
5
With ROA of 1, it has a Expensive valuation with a 2.1 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -35.88%, its profits have risen by 44.9% ; the PEG ratio of the company is 0.4
6
Majority shareholders : Promoters
7
Underperformed the market in the last 1 year
- Even though the market (BSE500) has generated returns of 2.24% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -35.88% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to I O B should be less than 10%
- Overall Portfolio exposure to Public Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is I O B for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
I O B
-29.0%
-0.96
37.25%
Sensex
8.49%
0.43
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
11.22%
Net Profit Growth (5y)
52.72%
Advance to Deposit
70.77%
Capital Adequacy Ratio (Tier 1)
13.57%
Gross NPA (latest)
1.54%
Gross NPA (avg)
5.32%
Coverage Ratio (avg)
80.34%
Cost to Income (avg)
50.43%
Net Interest Margin (avg)
2.95%
Operating Profit to Assets (avg)
4.37%
ROA (avg)
0.76%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Price to Book Value
1.84
PEG Ratio
0.28
Dividend Yield
NA
ROE (Latest)
13.11%
ROA (Latest)
1.06%
Net NPA to Book Value
1.95
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
GROSS NPA(Q)
Lowest at 1.54%
PAT(Q)
Highest at Rs 1,365.12 cr.
NET NPA(Q)
Lowest at 0.24%
NII(Q)
Highest at Rs 3,298.54 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 83.34%
INTEREST EARNED(Q)
Highest at Rs 8,172.39 cr
PBDIT(Q)
Highest at Rs 1,103.91 cr.
EPS(Q)
Highest at Rs 0.71
-6What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 14,389.84 cr
PBT LESS OI(Q)
Lowest at Rs -131.74 cr.
NON-OPERATING INCOME(Q)
is 109.63 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for I O B
Gross NPA - Quarterly
Lowest at 1.54% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Profit After Tax (PAT) - Quarterly
Highest at Rs 1,365.12 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net NPA - Quarterly
Lowest at 0.24% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 3,298.54 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 8,172.39 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 1,103.91 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 1,365.12 cr has Grown at 28.1% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 1,065.55 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 0.71
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Credit Deposit Ratio - Half Yearly
Highest at 83.34%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for I O B
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -131.74 cr has Fallen at -270.9% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 77.08 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs -131.74 cr.
in the last five quartersMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 109.63 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 14,389.84 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
CAR - Quarterly
Lowest at 16.30%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
