Indian Overseas Bank
Financial trend (100/100) does the heavy lifting; momentum (22/100) is the drag.
Buy zoneStocksWizard rates Indian Overseas Bank a Strong Buy, scoring 79/100 on our blended model. We put fair value near ₹55.01; at ₹33.07 that leaves roughly 66% upside, so the stock screens undervalued by 66%. On 11.4x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 19% below its 52-week high of ₹40.88 and 5% above the low of ₹31.38. Financial health scores 91/100, with a Piotroski F-score of 5/9. It clears 7 of 11 investability checks, with durability 88, valuation 88 and momentum 22 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹44.01.
1-year price
EOD · 2026-09-1252-week range
-19.10% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Buy79Piotroski F-score 5/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Pass: ROE above 15%: 16.5%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Pass: Revenue growth > 10%: 48%
- Pass: Earnings growing: 46%
- Pass: Net margin ≥ 10%: 36.6%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- Fail: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 5/9
Quarterly results
Annual financials
Shareholding
- Promoter92.4%
- Institutions4.3%
- Public & other3.2%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (36.6%).
Opportunities
- Earnings growing (46% YoY).
- Revenue growing (48% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~66% below our estimated fair value.
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
- Down 16% over the past year.
About Indian Overseas Bank
Indian Overseas Bank offers banking products and services across India and internationally through four operating segments: Treasury Operations, Corporate/Wholesale Banking Operations, Retail Operations, and Other Banking Operations. The bank accepts multiple deposit types including demand, savings, current, fixed, recurring, tax saver, and term deposits.
Indian Overseas Bank — frequently asked questions
Is Indian Overseas Bank a buy, hold or sell?
StocksWizard currently rates Indian Overseas Bank (IOB) a Strong Buy, based on a blended score of 79/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Indian Overseas Bank's fair value?
Our blended DCF and relative-valuation model estimates Indian Overseas Bank's fair value at about ₹55.01, versus a current price of ₹33.07 — roughly 66% upside. On that basis the stock looks undervalued by 66%.
Is Indian Overseas Bank financially healthy?
Indian Overseas Bank scores 91/100 on our financial-health model, with a Piotroski F-score of 5/9.
How has Indian Overseas Bank's share price performed?
Indian Overseas Bank is down 16% over the past year and down 3% over three months, and last traded at ₹33.07. Past performance doesn't predict future returns.
More in Financial Services
View allOur 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.