Indian Overseas Bank
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Indian Overseas Bank's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 83% of Financial Services companies in India.
Growth Efficiency Ratio
₹55Sales grew 49% in 3 years; of every extra ₹100 of sales, ₹55 became extra profit.
Higher than 76% of Financial Services companies in India.
Asset Productivity Ratio
+49% / +51%In 3 years sales changed by +49% while total assets changed by +51%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Indian Overseas Bank owes ₹0.92 for every ₹1 it owns. Net profit rose 60% in the year to Mar 2026, and grew 37% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
9.4Investors pay ₹9.4 for every ₹1 of Indian Overseas Bank's yearly profit, lower than 71% of Financial Services companies in India.
P/B ratio
1.42The share price is 1.42 times Indian Overseas Bank's book value per share, lower than 51% of Financial Services companies in India.
Market cap
₹55,228 CrThe total market value of all of Indian Overseas Bank's shares at today's price (share price × number of shares), larger than 81% of Financial Services companies in India. PosiCap size class: Meso Cap.
Net worth (book value)
₹38,946 CrWhat Indian Overseas Bank would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
₹20.22Net worth divided by the number of shares. The share price of ₹28.68 is 1.4 times this, which is the P/B above.
Return on equity (ROE)
16.5%Indian Overseas Bank earned 16.5% on its shareholders' money over the last year, higher than 82% of Financial Services companies in India.
Owes vs Owns
0.92×Indian Overseas Bank owes ₹0.92 for every ₹1 it owns (high), higher than 90% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
NoneIndian Overseas Bank does not currently pay a dividend.
Revenue growth
+12%Revenue rose 12% in the year to Mar 2026, and grew 14% a year on average over 3 years.
Profit growth
+60%Net profit rose 60% in the year to Mar 2026, and grew 37% a year on average over 3 years.
Profit margin
29.4%Indian Overseas Bank keeps ₹29 of every ₹100 of revenue as net profit.
Questions
What is Indian Overseas Bank's P/E ratio?
Investors pay ₹9.4 for every ₹1 of Indian Overseas Bank's yearly profit, lower than 71% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Indian Overseas Bank: ₹55,228 Cr ÷ ₹38,946 Cr (30 Jun 2026) = 1.4.
What is Indian Overseas Bank's return on equity?
Indian Overseas Bank earned 16.5% on its shareholders' money over the last year, higher than 82% of Financial Services companies in India.
How much does Indian Overseas Bank owe compared with what it owns?
Indian Overseas Bank owes ₹0.92 for every ₹1 it owns (high), higher than 90% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does Indian Overseas Bank pay a dividend?
No. Indian Overseas Bank does not currently pay a dividend.
Is Indian Overseas Bank's revenue growing?
Revenue rose 12% in the year to Mar 2026, and grew 14% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.