ScoreWhy is Indian Overseas Bank ?
1
Strong lending practices with low Gross NPA ratio of 1.42%
2
Strong Long Term Fundamental Strength with a 44.33% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 44.33%
4
With a growth in Interest of 3.87%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 25 consecutive quarters
- GROSS NPA(Q) Lowest at 1.42%
- PAT(Q) Highest at Rs 1,505.45 cr.
- NET NPA(Q) Lowest at 0.21%
5
With ROA of 1.1, it has a Attractive valuation with a 1.8 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 -0.99%, its profits have risen by 56.2% ; the PEG ratio of the company is 0.2
6
Majority shareholders : Promoters
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?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
I O B
-0.99%
-0.03
28.51%
Sensex
-3.33%
-0.25
13.43%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
9.71%
Net Profit Growth (5y)
44.33%
Advance to Deposit
72.01%
Capital Adequacy Ratio (Tier 1)
14.29%
Gross NPA (latest)
1.42%
Gross NPA (avg)
4.78%
Coverage Ratio (avg)
80.47%
Cost to Income (avg)
50.10%
Net Interest Margin (avg)
3.03%
Operating Profit to Assets (avg)
4.39%
ROA (avg)
0.79%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Price to Book Value
1.81
PEG Ratio
0.24
Dividend Yield
NA
ROE (Latest)
13.88%
ROA (Latest)
1.10%
Net NPA to Book Value
1.70
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
Bullish
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend25What is working for the Company
GROSS NPA(Q)
Lowest at 1.42%
PAT(Q)
Highest at Rs 1,505.45 cr.
NET NPA(Q)
Lowest at 0.21%
NII(Q)
Highest at Rs 3,469.71 cr
INTEREST EARNED(Q)
Highest at Rs 8,488.96 cr
PBDIT(Q)
Highest at Rs 1,374.14 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 16.19%
PBT LESS OI(Q)
Highest at Rs 368.18 cr.
EPS(Q)
Highest at Rs 0.78
-1What is not working for the Company
NON-OPERATING INCOME(Q)
is 77.81 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for I O B
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 368.18 cr has Grown at 522.1% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 59.18 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.42% 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 1,505.45 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 0.21% 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 3,469.71 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 8,488.96 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 1,374.14 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 16.19%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 368.18 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 1,505.45 cr has Grown at 26.7% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 1,188.41 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 0.78
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
CAR - Quarterly
Highest at 19.78%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for I O B
Non Operating Income - Quarterly
is 77.81 % 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
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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