Snowflake Score | |
---|---|
Valuation | 0/6 |
Future Growth | 0/6 |
Past Performance | 4/6 |
Financial Health | 4/6 |
Dividends | 0/6 |
532388 Stock Overview
Indian Overseas Bank provides various banking products and services in India and internationally.
Indian Overseas Bank Competitors
Price History & Performance
Historical stock prices | |
---|---|
Current Share Price | ₹16.65 |
52 Week High | ₹29.00 |
52 Week Low | ₹15.25 |
Beta | 0.96 |
1 Month Change | -8.77% |
3 Month Change | -8.52% |
1 Year Change | -40.64% |
3 Year Change | 37.38% |
5 Year Change | -32.73% |
Change since IPO | -38.45% |
Recent News & Updates
Shareholder Returns
532388 | IN Banks | IN Market | |
---|---|---|---|
7D | -0.3% | 1.2% | 3.0% |
1Y | -40.6% | -6.3% | 0.3% |
Return vs Industry: 532388 underperformed the Indian Banks industry which returned -5.6% over the past year.
Return vs Market: 532388 underperformed the Indian Market which returned 0.6% over the past year.
Price Volatility
532388 volatility | |
---|---|
532388 Average Weekly Movement | 5.0% |
Banks Industry Average Movement | 5.2% |
Market Average Movement | 7.0% |
10% most volatile stocks in IN Market | 9.9% |
10% least volatile stocks in IN Market | 4.5% |
Stable Share Price: 532388 is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: 532388's weekly volatility (5%) has been stable over the past year.
About the Company
Founded | Employees | CEO | Website |
---|---|---|---|
1937 | 22,369 | Partha Sengupta | https://www.iob.in |
Indian Overseas Bank provides various banking products and services in India and internationally. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It accepts various deposits, such as demand, savings, current, fixed, and term deposits; foreign currency (nonresident) accounts.
Indian Overseas Bank Fundamentals Summary
532388 fundamental statistics | |
---|---|
Market Cap | ₹314.73b |
Earnings (TTM) | ₹17.09b |
Revenue (TTM) | ₹72.38b |
18.4x
P/E Ratio1.4x
P/B RatioIs 532388 overvalued?
See Fair Value and valuation analysisEarnings & Revenue
532388 income statement (TTM) | |
---|---|
Revenue | ₹72.38b |
Cost of Revenue | ₹0 |
Gross Profit | ₹72.38b |
Other Expenses | ₹55.28b |
Earnings | ₹17.09b |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
Earnings per share (EPS) | 0.90 |
Gross Margin | 100.00% |
Net Profit Margin | 23.62% |
Debt/Equity Ratio | 13.2% |
How did 532388 perform over the long term?
See historical performance and comparisonValuation
Is 532388 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
0/6Valuation Score 0/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for 532388?
Other financial metrics that can be useful for relative valuation.
What is 532388's n/a Ratio? | |
---|---|
n/a Ratio | 0x |
n/a | n/a |
Market Cap | ₹314.73b |
Key Statistics | |
---|---|
Enterprise Value/Revenue | n/a |
Enterprise Value/EBITDA | n/a |
PEG Ratio | n/a |
Price to Earnings Ratio vs Peers
How does 532388's PE Ratio compare to its peers?
532388 PE Ratio vs Peers |
---|
Company | PE | Estimated Growth | Market Cap |
---|---|---|---|
Peer Average | 10.1x | ||
500116 IDBI Bank | 13.1x | n/a | ₹331.2b |
532477 Union Bank of India | 4.5x | n/a | ₹235.1b |
532461 Punjab National Bank | 8.5x | n/a | ₹327.6b |
532505 UCO Bank | 14.2x | n/a | ₹132.0b |
532388 Indian Overseas Bank | 18.4x | n/a | ₹314.7b |
Price-To-Earnings vs Peers: 532388 is expensive based on its Price-To-Earnings Ratio (18.4x) compared to the peer average (10.1x).
Price to Earnings Ratio vs Industry
How does 532388's PE Ratio compare vs other companies in the IN Banks Industry?
Price-To-Earnings vs Industry: 532388 is expensive based on its Price-To-Earnings Ratio (18.4x) compared to the Indian Banks industry average (13.2x)
Price to Earnings Ratio vs Fair Ratio
What is 532388's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
Fair Ratio | |
---|---|
Current PE Ratio | 18.4x |
Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 532388's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of 532388 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: Insufficient data to calculate 532388's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate 532388's fair value for valuation analysis.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate 532388's PEG Ratio to determine if it is good value.
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Future Growth
How is Indian Overseas Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
18.5%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Indian Overseas Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Discover growth companies
- Check out Indian Overseas Bank's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
- Indian Overseas Bank competitive advantages and company strategy can generally be found in its financial reports archived here.
Past Performance
How has Indian Overseas Bank performed over the past 5 years?
Past Performance Score
4/6Past Performance Score 4/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
25.5%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 532388 has a high level of non-cash earnings.
Growing Profit Margin: 532388's current net profit margins (23.6%) are higher than last year (12%).
Past Earnings Growth Analysis
Earnings Trend: 532388 has become profitable over the past 5 years, growing earnings by 25.5% per year.
Accelerating Growth: 532388's earnings growth over the past year (125.4%) exceeds its 5-year average (25.5% per year).
Earnings vs Industry: 532388 earnings growth over the past year (125.4%) exceeded the Banks industry 43.6%.
Return on Equity
High ROE: 532388's Return on Equity (7.4%) is considered low.
Discover strong past performing companies
Financial Health
How is Indian Overseas Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
4/6Financial Health Score 4/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 532388's Assets to Equity ratio (12.9x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if 532388 has a sufficient allowance for bad loans.
Low Risk Liabilities: 95% of 532388's liabilities are made up of primarily low risk sources of funding.
Loan Level: 532388 has an appropriate level of Loans to Assets ratio (48%).
Low Risk Deposits: 532388's Loans to Deposits ratio (55%) is appropriate.
Level of Bad Loans: 532388 has a high level of bad loans (10.6%).
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Dividend
What is Indian Overseas Bank current dividend yield, its reliability and sustainability?
Dividend Score
0/6Dividend Score 0/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate 532388's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate 532388's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if 532388's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if 532388's dividend payments have been increasing.
Current Payout to Shareholders
Earnings Coverage: 532388 is not paying a notable dividend for the Indian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of 532388's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.
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Management
How experienced are the management team and are they aligned to shareholders interests?
2.8yrs
Average management tenure
CEO
Partha Sengupta (59 yo)
1.92yrs
Tenure
₹3,471,378
Compensation
Mr. Partha Pratim Sengupta has been Managing Director, Chief Executive Officer and Executive Director at Indian Overseas Bank since July 24, 2020. Mr. Sengupta served as Deputy Managing Director & Chief Cr...
CEO Compensation Analysis
Compensation vs Market: Partha's total compensation ($USD43.94K) is below average for companies of similar size in the Indian market ($USD641.14K).
Compensation vs Earnings: Partha's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: 532388's management team is considered experienced (2.8 years average tenure).
Board Members
Experienced Board: 532388's board of directors are not considered experienced ( 1.3 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Indian Overseas Bank's employee growth, exchange listings and data sources
Key Information
- Name: Indian Overseas Bank
- Ticker: 532388
- Exchange: BSE
- Founded: 1937
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: ₹314.725b
- Shares outstanding: 18.90b
- Website: https://www.iob.in
Number of Employees
Location
- Indian Overseas Bank
- 763 Anna Salai
- Chennai
- Tamil Nadu
- 600002
- India
Listings
Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
---|---|
Company Analysis | 2022/06/29 00:00 |
End of Day Share Price | 2022/06/29 00:00 |
Earnings | 2022/03/31 |
Annual Earnings | 2022/03/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.