Indian Overseas BankIOBBank / NBFC

Financial Services Banks - Regional Latest results: Jun 2026 15 quarters of data

₹30.99

MCap ₹59,676 Cr · P/E 10.0

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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.

₹8,778 Cr

Interest Earned · Jun 2026

+18.8% YoY

₹2,693 Cr

Operating Profit · Jun 2026

+14.2% YoY

₹1,716 Cr

Net Profit · Jun 2026

+45.6% YoY

₹0.89

EPS · Jun 2026

+45.9% YoY

1.33%

Gross NPA % · Jun 2026

0.18%

Net NPA % · Jun 2026

📝 Indian Overseas Bank — results explained

Quarter ended June 2026 (Q1 FY27)

Indian Overseas Bank reported total income of ₹10,938 crore for the quarter ended June 2026 (Q1 FY27), up 23.3% from ₹8,868 crore in the same quarter last year, and up 11.8% sequentially over the March 2026 quarter.

Of this, interest earned contributed ₹8,778 crore and other income ₹2,160 crore. Net interest income (interest earned minus interest expended of ₹5,090 crore) worked out to ₹3,688 crore.

Net profit rose 45.6% year-on-year to ₹1,716 crore, from ₹1,178 crore. Earnings per share (EPS) came in at ₹0.89.

On asset quality, gross NPA stood at 1.33% and net NPA at 0.18% (gross NPA was 1.97% a year ago); the capital adequacy ratio was 19.36%.

Full year and trailing twelve months

For the full year FY26, Indian Overseas Bank posted total income of ₹37,536 crore, a growth of 11.4% over FY25, with a net profit of ₹5,420 crore (up 59.6% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹39,606 crore with a net profit of ₹5,958 crore.

Valuation snapshot

At the current price of ₹30.99, IOB has a market capitalisation of ₹59,676 crore and a trailing P/E of about 10.0.

Within the Banks - Regional industry, it is the 19th-largest of the 27 companies we track by market value.

Shareholding pattern

As of Mar 2026, promoters held 92.44%, foreign institutional investors (FIIs) 0.43%, domestic institutional investors (DIIs) 4.28%, public shareholders 2.85% of Indian Overseas Bank.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close

Valuation

Market Cap ?

₹59,676 Cr

Current Price ?

₹31.0

P/E ?

10.02below ind

Industry P/E ?

10.70

P/B ?

1.61

P/S ?

1.51

P/FCF ?

14.41

Enterprise Value ?

N/A

EV/EBITDA ?

N/A

PEG ?

0.27

Earnings Yield ?

10.0%

Dividend Yield ?

0.00%

Profitability & Returns

Total Income (TTM) ?

₹39,606 Cr

OPM ?

N/A

Profit after tax (TTM) ?

₹5,958 Cr

EPS (TTM) ?

₹3.09

ROCE ?

N/A

ROE ?

16.1%

ROA ?

1.3%

Gross NPA % ?

1.33%

Net NPA % ?

0.18%

Growth

Total Income — latest qtr ?

₹10,938 Cr

PAT — latest qtr ?

₹1,716 Cr

YoY qtr sales growth ?

23.3%

YoY qtr profit growth ?

45.6%

Sales growth (3y) ?

18%

Sales growth (5y) ?

13%

Profit growth (3y) ?

37%

Profit growth (5y) ?

48%

Financial Health

Debt ?

N/A

Debt to Equity ?

N/A

Interest Coverage ?

N/A

Current Ratio ?

N/A

Ownership

Promoter holding ?

92.44%

Change in promoter holding ?

-2.17%

Pledged percentage ?

N/A

Market

Return 3 months ?

-8.4%

Return 6 months ?

-11.4%

🗓️ Quarterly results (15 quarters · ₹ Cr)

same fiscal quarter as Jun bestweakest per row · for costs (interest, NPAs) low is best Highlight

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	YoY %	QoQ %
Interest Earned	5,057	5,195	5,427	5,825	6,180	6,634	6,539	6,854	7,116	7,635	7,387	7,851	8,172	8,489	8,778	+18.8%	+3.4%
Other Income	951	1,436	807	1,117	1,263	2,479	1,048	1,636	1,299	1,581	1,480	1,365	1,499	1,291	2,160	+45.9%	+67.3%
Total Income	6,008	6,631	6,234	6,942	7,443	9,113	7,587	8,490	8,415	9,216	8,868	9,216	9,672	9,780	10,938	+23.3%	+11.8%
Interest Expended	2,784	2,917	3,102	3,477	3,780	3,868	4,096	4,315	4,324	4,510	4,639	4,790	4,874	5,019	5,090	+9.7%	+1.4%
Operating Profit	1,540	1,887	1,349	1,680	1,782	—	1,692	2,131	2,268	—	2,359	2,402	2,603	—	2,693	+14.2%	—
Provisions	980	996	838	1,044	701	—	938	1,146	1,029	—	844	672	1,236	—	834	-1.2%	—
Profit Before Tax	560	891	511	636	1,080	1,196	754	984	1,239	1,554	1,515	1,729	1,367	1,659	1,859	+22.7%	+12.1%
Net Profit	555	656	504	627	724	810	649	780	875	1,092	1,178	1,259	1,427	1,556	1,716	+45.6%	+10.3%
EPS	—	0.35	0.27	0.33	0.38	0.43	0.34	0.41	0.46	0.57	0.61	0.65	0.71	0.81	0.89	+45.9%	+9.9%
Gross NPA %	8.19%	7.44%	7.13%	4.74%	3.90%	3.10%	2.89%	2.72%	2.55%	2.14%	1.97%	1.83%	1.54%	1.42%	1.33%	—	—
Net NPA %	2.43%	1.83%	1.44%	0.68%	0.62%	0.57%	0.51%	0.47%	0.42%	0.37%	0.32%	0.28%	0.24%	0.21%	0.18%	—	—
Capital Adequacy Ratio	15.16%	16.10%	16.56%	17.00%	16.80%	—	17.82%	17.45%	16.97%	—	18.28%	17.94%	16.30%	—	19.36%	—	—

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric	FY25	FY26	TTM	YoY %
Interest Earned	₹28,144 Cr	₹31,900 Cr	₹33,290 Cr	+13.3%
Other Income	₹5,565 Cr	₹5,636 Cr	₹6,316 Cr	+1.3%
Total Income	₹33,709 Cr	₹37,536 Cr	₹39,606 Cr	+11.4%
Interest Expended	₹17,244 Cr	₹19,322 Cr	₹19,772 Cr	+12.0%
Net Interest Income	₹10,900 Cr	₹12,578 Cr	₹13,517 Cr	+15.4%
Operating Profit	₹6,090 Cr	₹7,363 Cr	₹7,698 Cr	+20.9%
Provisions	₹3,113 Cr	₹2,752 Cr	₹2,742 Cr	-11.6%
Profit Before Tax	₹4,531 Cr	₹6,270 Cr	₹6,615 Cr	+38.4%
Tax	₹674 Cr	₹906 Cr	₹703 Cr	+34.5%
Net Profit	₹3,396 Cr	₹5,420 Cr	₹5,958 Cr	+59.6%
EPS	₹1.78	₹2.78	₹3.06	+56.2%

🏛️ Balance Sheet (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
Equity Capital	18,902	18,902	19,257	19,257	+0.0%
Reserves	5,974	8,659	12,977	17,734	+36.7%
Deposits	260,974	286,121	311,939	368,191	+18.0%
Borrowing	20,804	30,387	42,228	51,603	+22.2%
Other Liabilities	6,785	7,799	8,308	16,011	+92.7%
Total Liabilities	313,438	351,869	394,708	472,795	+19.8%
Fixed Assets	3,711	3,726	4,581	5,075	+10.8%
CWIP	0	14	74	0	-100.0%
Investments	93,643	99,194	110,588	119,285	+7.9%
Other Assets	216,085	248,935	279,465	348,436	+24.7%
Total Assets	313,438	351,869	394,708	472,795	+19.8%

💧 Cash Flow (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
Cash from Operating Activity	-13,655	-1,119	2,840	4,780	+68.3%
Cash from Investing Activity	-560	-359	-579	-639	-10.4%
Cash from Financing Activity	-1,916	-528	144	-138	-195.8%
Net Cash Flow	-16,130	-2,006	2,405	4,003	+66.4%
Free Cash Flow	-14,214	-1,478	2,261	4,141	+83.1%
CFO/OP	-138%	-4%	5%	27%	+440.0%

➗ Ratios (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
ROE %	9%	10%	11%	16%	+45.5%

👥 Shareholding (latest 4 periods)

Metric	Jun 2025	Sep 2025	Dec 2025	Mar 2026	% Chg
Promoters	94.61%	94.61%	92.44%	92.44%	+0.0%
FIIs	0.08%	0.31%	0.35%	0.43%	+22.9%
DIIs	2.37%	2.30%	4.26%	4.28%	+0.5%
Public	2.94%	2.78%	2.93%	2.85%	-2.7%
No. of Shareholders	10,08,128	9,88,551	9,81,829	9,68,298	-1.4%

⚖️ Peer comparison

Industry: Banks - Regional · top 25 of 27 companies · full page →

#	Company	CMP	MCap (Cr)	P/E	Total Inc TTM	NP TTM	OPM%	NPM%	Inc YoY%	NP YoY%	Qtr Rev Δ%	Qtr NP Δ%
1	HDFCBANK HDFC Bank	₹708.25	1,091,484	13.8	495,517	79,736	18.7%	16.1%	5.2%	8.4%	0.0%	18.4%
2	ICICIBANK ICICI Bank	₹1,379.30	990,020	18.9	203,498	52,183	27.0%	25.6%	4.7%	6.2%	5.4%	15.9%
3	SBIN State Bank	₹995.70	919,093	10.7	722,687	88,468	14.7%	12.2%	7.0%	8.3%	7.8%	11.1%
4	KOTAKBANK Kotak Mahindra	₹419.00	416,807	20.5	111,296	20,296	20.5%	18.2%	1.0%	-12.8%	12.6%	22.5%
5	AXISBANK Axis Bank	₹1,240.60	386,252	13.9	165,024	27,813	21.4%	16.9%	4.0%	-5.8%	7.0%	22.2%
6	UNIONBANK Union Bank	₹178.20	136,031	6.6	129,552	20,644	11.5%	15.9%	-0.6%	7.8%	1.0%	27.4%
7	PNB Punjab National	₹115.70	132,973	5.8	151,526	22,871	15.0%	15.1%	6.4%	-0.6%	5.7%	15.2%
8	BANKBARODA Bank of Baroda	₹235.57	121,822	6.7	159,738	18,232	18.0%	11.4%	2.6%	-3.9%	7.6%	-48.6%
9	INDIANB Indian Bank	₹853.50	114,963	8.7	84,489	13,218	21.0%	15.6%	8.7%	3.9%	21.1%	13.9%
10	CANBK Canara Bank	₹123.49	112,013	5.5	150,263	20,391	17.4%	13.6%	0.3%	12.2%	-2.6%	11.0%
11	IDBI IDBI Bank	₹83.55	89,836	9.6	35,766	9,327	20.4%	26.1%	4.6%	21.5%	1.6%	5.5%
12	FEDERALBNK Federal Bank	₹344.50	85,094	16.4	36,483	5,348	17.7%	14.7%	7.0%	5.0%	19.0%	57.7%
13	AUBANK AU Small	₹1,058.90	79,356	27.7	22,417	2,856	17.2%	12.7%	16.0%	25.4%	15.5%	37.0%
14	INDUSINDBK IndusInd Bank	₹978.20	76,216	57.6	52,156	1,322	9.7%	2.5%	-5.1%	-65.5%	-9.2%	71.7%
15	IDFCFIRSTB IDFC First	₹86.21	74,332	32.5	49,914	2,305	13.0%	4.6%	11.4%	8.1%	12.6%	153.1%
16	YESBANK Yes Bank	₹23.40	73,449	19.7	37,788	3,775	11.3%	10.0%	0.6%	43.5%	5.3%	32.5%
17	MAHABANK Bank of Maharashtra	₹84.20	64,763	8.6	34,008	7,534	17.2%	22.2%	15.6%	26.6%	15.0%	34.3%
18	RBLBANK RBL Bank	₹412.55	63,950	53.0	19,673	1,205	16.5%	6.1%	3.6%	22.5%	21.6%	158.9%
19	IOB Indian Overseas	₹33.11	63,759	10.8	39,606	5,958	19.4%	15.0%	11.4%	59.6%	23.3%	45.6%
20	BANKINDIA Bank of India	₹139.06	63,309	5.6	87,046	11,343	15.0%	13.0%	6.5%	14.2%	9.8%	36.2%
21	KARURVYSYA Karur Vysya	₹335.40	32,422	11.0	13,985	2,958	23.3%	21.2%	14.4%	29.3%	10.5%	37.2%
22	UCOBANK UCO Bank	₹24.05	30,158	10.1	31,742	2,982	20.0%	9.4%	0.9%	13.2%	10.1%	26.8%
23	BANDHANBNK Bandhan Bank	₹176.52	28,440	23.2	24,423	1,223	18.1%	5.0%	-1.8%	-55.4%	1.1%	67.9%
24	CENTRALBK Central Bank	₹30.82	27,896	6.1	42,854	4,568	9.3%	10.7%	7.5%	14.9%	2.9%	3.2%
25	CUB City Union	₹227.90	22,580	17.0	7,908	1,327	18.1%	16.8%	17.5%	18.1%	20.3%	25.0%

❓ Frequently asked questions

What was Indian Overseas Bank's total income in Q1 FY27?

What was Indian Overseas Bank's net profit in Q1 FY27?