Indian Overseas Bank Stock Price Analysis and Quick Research Report. Is Indian Overseas Bank an attractive stock to invest in?

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Indian Overseas Bank is performing and if it is the right time to buy the stock of Indian Overseas Bank with detailed analysis.

•  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Indian Overseas Bank has earned Rs 28131.0087 Cr. revenue in the latest financial year. Indian Overseas Bank has posted outstanding revenue growth of 18.9132348265099% in last 3 Years.

• In terms of advances, Indian Overseas Bank reported 15.1118% YOY,  rise . If you see 3 years advance growth, it stands at 19.4036450210468%.

• Currently, Indian Overseas Bank has a CASA ratio of 43.65%. It’s overall cost of liability stands at 4.868 %. Also, the total deposits from these accounts stood at Rs 311938.8239 Cr.

• Indian Overseas Bank has a average ROA track record. The ROA of Indian Overseas Bank is at 0.8928%.

• The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of Indian Overseas Bank stood at 2.14% and 0.37% respectively as on the latest financial year.

• One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 24.6200015278% which means it has increased from the previous year.

• Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Indian Overseas Bank decreased and is currently at Rs 5545.0684 Cr.

• Indian Overseas Bank has a Good Capital Adequacy Ratio of 19.74 .

• The best metric which provides insights about bank’s valuation is P/B ratio. Currently Indian Overseas Bank is trading at a P/B of 2.4979 . The historical average PB was 2.48938289481041.

One can find all the Financial Ratios of Indian Overseas Bank in Ticker for free. Also, one can get the intrinsic value of Indian Overseas Bank by using Valuation Calculators, which are available with a Finology ONE subscription. 

Indian Overseas Bank FAQs

Q1. What is Indian Overseas Bank share price today?
Ans: The current share price of Indian Overseas Bank is Rs 39.44.

Q2. What is the market capitalisation of Indian Overseas Bank?
Ans: Indian Overseas Bank has a market capitalisation of Rs 75947.99015148 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of Indian Overseas Bank?
Ans: The PE ratio of Indian Overseas Bank is 19.9181859502045 and the P/B ratio of Indian Overseas Bank is 2.49789414350224, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of Indian Overseas Bank share?
Ans: The 52-week high share price of Indian Overseas Bank is Rs 61.8, and the 52-week low share price of Indian Overseas Bank is Rs 33.5.

Q5. Does Indian Overseas Bank pay dividends?
Ans: Currently, Indian Overseas Bank does not pay dividends. Dividend yield of Indian Overseas Bank is around 0%.

Q6. What are the face value and book value of Indian Overseas Bank shares?
Ans: The face value of Indian Overseas Bank shares is Rs 10, while the book value per share of Indian Overseas Bank is around Rs 15.7893. Face value is the nominal value set by the company, whereas book value reflects its accounting worth.

Q7. What are the ROE and ROCE of Indian Overseas Bank?
Ans: The ROE of Indian Overseas Bank is 12.2627% and ROCE of Indian Overseas Bank is 10.1339%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is Indian Overseas Bank a good buy for the long term?
Ans: The Indian Overseas Bank long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is Indian Overseas Bank undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the Indian Overseas Bank appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check Indian Overseas Bank’s financials?
Ans: You can review Indian Overseas Bank’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.