Indian Overseas Bank
NSE: IOBIndian Overseas Bank: A 30-second snapshot
IOB trades at a PE of 11.48 with a current-period ROE of 16.53% and profit margin of 36.56%, ranking 1st of 6 tracked Banking-sector peers on PE, ROE, and quality score (72). The stock is at Rs 34.21, up 1.24% over 3 months but down 5.34% over the past year and 18.16% below its 52-week high, sitting above its 50-DMA (34.08) but below its 200-DMA (35.22). Recent news flow is entirely non-negative (5 positive, 3 neutral, 0 negative of 8 items), driven largely by Q1 FY27 results showing PAT up roughly 49% YoY and NII up 34% YoY.
P/E
11.5
Forward P/E
—
ROE
+16.5%
Debt / Equity
—
Profit Margin
+36.6%
Div. Yield
—
5Y ROE > 15%
0/5
5Y FCF > 0
2/5
Quality
64/100
News
8 headlines · 5 positive · 0 negative
Indian Overseas Bank Q1 profit surges 49% to ₹1,659 cr - BusinessLine
BusinessLine
Indian Overseas Bank Q1 FY27 Results: PAT Jumps 49%, NII Up 34% - Sahi
Sahi
Indian Overseas Bank (BOM:532388) Q1 2027 Earnings Call Highlights: Record Profits and ... - finance.yahoo.com
finance.yahoo.com
IOB net profit soars 49.3% on higher recoveries, core income - The New Indian Express
The New Indian Express
Indian Overseas Bank consolidated net profit rises 45.64% in the June 2026 quarter - business-standard.com
business-standard.com
Recent context
- ·Q1 FY27 (June 2026 quarter) results: net profit up roughly 45.6-49.3% YoY across multiple outlets, with NII up 34% YoY, published July 20, 2026.
- ·All 8 tracked news items over this period are non-negative (5 positive, 3 neutral, 0 negative).
- ·Despite the profit headlines, the stock is down 5.34% over the past 12 months and remains 18.16% below its 52-week high.
Strengths
- +Cheapest PE (11.48) and highest ROE (16.53%) among the 6 tracked Banking-sector peers, with the top quality score (72) in the set.
- +5-year revenue growth of 48.1% and 5-year earnings growth of 45.9%, alongside a 36.56% profit margin.
- +Q1 FY27 (June 2026 quarter) results reported PAT up roughly 49% YoY and NII up 34% YoY, covered across multiple outlets including BusinessLine, business-standard.com and The New Indian Express.
- +News sentiment over the last 8 tracked items is 5 positive, 3 neutral, 0 negative.
Weaknesses
- −Persistence data shows 0 tracked years with ROE above 15%, despite a current-period ROE of 16.53%.
- −Free cash flow was positive in only 2 of the tracked years, per persistence data, with a consistency score of 39/100.
- −Debt trend is classified as rising in the persistence dataset, though a numeric debt-to-equity figure is not currently reported.
- −Price is 18.16% below its 52-week high, down 5.34% over the trailing 12 months, and sits below its 200-DMA (34.21 vs 35.22).
Open questions
- ?Does the gap between the current 16.53% ROE and the 0-year track record of ROE above 15% reflect a structural improvement or a single strong quarter within a more volatile multi-year pattern?
- ?What explains free cash flow being positive in only 2 of the tracked years despite profit margins above 36%?
- ?Why has the share price moved -5.34% over 12 months and stayed below its 200-DMA even as Q1 FY27 profit and NII both showed strong YoY growth?
- ?How does IOB's public-sector-bank capital and asset-quality profile compare with the private-sector peers (Axis Bank, HDFC Bank) it is being benchmarked against on PE and ROE?
Peer comparison: Banking
Ranks 1 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| IOB | Indian Overseas BankYou're viewing | 11.5 | +16.5% | 72 |
| Industry avg | across 5 peers | 30.8 | +12.7% | 51 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 15.9 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 33.6 | — | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 32.1 | — | 37 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 58.7 | +10.8% | 33 |
Technical state
Current price
₹34.21
SMA 50
₹34.08
SMA 200
₹35.22
RSI (14)
50.8 (neutral)
From 52w high
-18.2%
1Y return
-5.3%
3M return
+1.2%
50-DMA
Above
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumPersistence data shows free cash flow positive in only 2 of the tracked years, a consistency score of 39/100, and 0 tracked years with ROE above 15%, against a current-period ROE of 16.53% and profit margin of 36.56%. The dataset also classifies the debt trend as rising, though a numeric debt-to-equity figure is not reported and, as a public-sector bank, balance-sheet leverage is structurally different from a manufacturer's.
- mediumPrice of Rs 34.21 sits below the 200-DMA (Rs 35.22) though above the 50-DMA (Rs 34.08), is 18.16% below its 52-week high, and is down 5.34% over the trailing 12 months, versus a 1.24% gain over the past 3 months.
- lowAnalyst rating/count and dividend yield are unavailable. The tracked Banking-sector peer set has only 5 named peers (6 including IOB), mixes pure banks with NBFCs (Bajaj Finance, Bajaj Finserv) and an insurer (HDFC Life), and lacks 1-year price-change data for every peer, limiting benchmarking precision.
Cross-section contradictions
- Recent news flow is entirely non-negative (5 positive, 3 neutral, 0 negative of 8 items) on the back of Q1 FY27 results showing PAT up roughly 49% YoY and NII up 34% YoY, and IOB ranks 1st of 6 tracked Banking peers on PE, ROE, and quality score, yet the stock is 18.16% below its 52-week high, down 5.34% over 12 months, and below its 200-DMA.
- 5-year revenue growth of 48.1% and earnings growth of 45.9%, plus a 36.56% profit margin and 16.53% current ROE, sit alongside a persistence consistency score of just 39/100, FCF positive in only 2 of the tracked years, and 0 tracked years with ROE above 15%.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 12 Aug 2026 · rotates through NIFTY 500 every ~5 days