Indian Overseas Bank
IOB · NSE · Financial Services
With a 20% margin of safety, our buy-below price is ₹44.72.
Piotroski F-score 5/9 — quality of earnings & balance sheet.
Investability checklist
- ✓ROE above 15%15.7%
- –Low debt (D/E < 0.5)
- ✓Positive free cash flow
- ✕Revenue growth > 10%2%
- ✓Earnings growing40%
- ✓Net margin ≥ 10%37.5%
- –Current ratio > 1.5
- ✓Below our fair value
- ✓Margin of safety ≥ 20%
- ✕Above 200-day average
- ✕Above 50-day average
- –Positive 1-year return
- –Altman Z in safe zone
- ✕Piotroski ≥ 75/9
1-year price
EOD · 2026-06-15Our scores
Key fundamentals
SWOT snapshot
Strengths
- •Healthy profit margin (37.5%).
Weaknesses
- •Price below its 200-day moving average (downtrend).
Opportunities
- •Earnings growing (40% YoY).
- •Trading in our value buy zone versus sector peers.
- •Trades ~65% below our estimated fair value.
About Indian Overseas Bank
Indian Overseas Bank provides various banking products and services in India and internationally. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company accepts various deposits, such as demand, savings, current, fixed, recurring, tax saver, and term deposits
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Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.