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I O B share price & results

I O B· Financial Services

Results to
Sept 2026
Latest analysed call
Q1 FY27
Ownership as of
Sept 2026

Chennai PSU bank (1937); retail, agri, MSME & corporate lending via branches in India plus 4 overseas markets.

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue9,201 ₹ crore+17.2% YoYQuarterly, as filedQuarter to Sept 2026Revenue from operations as filed.
Operating marginUnavailable—Operating profit / revenueQuarter to Sept 2026Not in the filed figures for the quarter to sept 2026. No older figure is substituted.
Net profit1,912 ₹ crore+56.0% YoYQuarterly, as filedQuarter to Sept 2026Profit after tax as filed.
Return on equity16.52 %+4.3 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Sept 2026Adjusted profit attributable to owners ÷ average owners’ equity.
Free cash flow marginUnavailable—Fiscal yearFY ending Mar 2026Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)15.51 %−3.6 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Sept 2026Revenue change against the same period one year earlier.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Sept 2026

Guidance

What management said, and what became of it

4 of 7 judged targets kept · 16 open · verdicts reflect calls analysed to Q1 FY27.

I O B management guidance track record on Inve: 23 targets tracked across analysed earnings calls (4 achieved, 3 missed, 16 open).

TargetOriginal wordingSaidLatest callVerdict
Credit Growth14% to 15%
Call transcript, Q4 FY25 · 2 May 2025		Q4 FY25Q1 FY27:Promise was for FY26 and has been achieved.
Call transcript, Q1 FY27 · 20 Jul 2026		Achieved
Cost-to-Income Ratioaround 42% by end of FY26
Call transcript, Q4 FY25 · 2 May 2025		Q4 FY25Q1 FY27:Promise was for FY26 and has been missed.
Call transcript, Q1 FY27 · 20 Jul 2026		Missed
QIP Capital RaiseINR 4,000 crores in Q4 FY26
Call transcript, Q2 FY26 · 16 Oct 2025		Q2 FY26Q1 FY27:The original plan for a Rs. 4,000 cr QIP in FY26 was delayed. Management has now announced a new, larger plan to raise Rs. 5,000 crores in equity in Q3/Q4 FY27, superseding this promise.
Call transcript, Q1 FY27 · 20 Jul 2026		Delayed

Source: Inve Guidance Tracker for I O B · to Q1 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

3 of I O B's 23 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 20 more targets are in the full ledger.

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Price

₹30.38 +5.93% · +₹1.7

Last close 26 Oct 2026 · NSE · INR · Source: Inve

Performance −23.2% 1Y

₹30.0₹35.0₹40.0Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Q3 FY26 — 14 Jan 2026Q4 FY26 — 8 May 2026Q1 FY27 — 20 Jul 2026

1Y: ₹39.55 on 24 Oct 2025 → ₹30.38. High ₹40.59 (28 Oct 2025), low ₹28.68 (23 Oct 2026).

Previous close
₹28.68
Market cap
₹56.3k Cr
52-week range
₹28.68 – ₹40.59
One year
−24.76%
Price to earnings (TTM to Sept 2026)
8.45×
Return on equity (TTM to Sept 2026)
16.52%

Overview

Symbol
NSE:IOB
Exchange
NSE
Currency
INR

What I O B does

Based on the company's own presentations, annual report and earnings calls.

Indian Overseas Bank is a Government of India-owned public sector bank (GoI holds a 92.44% stake) that takes retail, current and term deposits and lends across Retail, Agriculture, MSME and Corporate & Other segments, distributing through a branch, ATM and business-correspondent network across India plus an overseas presence in Singapore, Hong Kong, Thailand and Sri Lanka. It also runs a domestic investment (SLR/Non-SLR) portfolio and offers digital banking, UPI, internet banking and card products to retail and corporate customers.

Segments

  • Retail
  • Agriculture
  • MSME
  • Corporate & Others
Domestic branches
3,438
ATMs/CRs
3,622
Business correspondents
11,959
Employees
20,000+
Overseas presence
Singapore, Hong Kong, Thailand and Sri Lanka
Mobile banking users
117.9 lakh
Founded 1937Headquarters 763 Anna Salai, Chennai 600 002, Tamil Nadu, IndiaEmployees 20,000 (31 Dec 2025) Company website

How the price took the results

close before → close after

Q1 FY27
+3.4%
20 Jul
Q4 FY26
−1.0%
8 May
Q3 FY26
+2.1%
14 Jan

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

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