NSE: IOB - Indian Overseas Bank

Yield per half year: -7.35%
Sector: Financials

Reporting Indian Overseas Bank

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹	66.81	65.97	72.11	103.54	124.39	157.48	358.73	366.79	587.66		499.02
Выручка, млрд ₹		12.97	15.31	-30.47	87.15	81.7	116.21	112.2	123.77	155.04	155.04
Чистая прибыль, млрд ₹		-28.97	-34.17	-62.99	-37.38	-85.27	7.58	17.09	21.04	26.66	26.66
EV, млрд ₹		256.14	49.24	-26.02	-106.79	-14.14	90.49	26.4	408.12	1 241.36	1 241.36
EBIT, млрд ₹		152.37	111.48	61.48	-18.19	-86.45	5.09	16.06	20.93	34.23	34.23
EBITDA, млрд ₹		154.34	113.63	64.21	-15.15	-83.44	7.67	17.79	23.53	37.59	37.59
Баланс стоимость, млрд ₹		156.66	137.45	132.74	163.6	161.55	169.45	232.24	248.76	275.61	275.61
FCF, млрд ₹		-28.03	-6.47	-19.15	-16.34	-141.52	48.84	54.83	-161.66	-14.84	-14.84
Операционный денежный поток, млрд ₹		-15.52	-5.05	-17.93	-7.86	-140.23	49.51	55.39	-155.84	-11.19	-11.19
Операционная прибыль, млрд ₹		152.37	111.48	61.48	-18.19	-86.45	5.09	16.06	20.93	34.23	34.23
Операционные расходы, млрд ₹		108.08	119.43	155.14	49.65	53.29	59.62	95.12	71.66	93.75	93.75
CAPEX, млрд ₹		12.51	1.42	1.22	8.48	1.29	0.6666	0.5623	5.82	3.65	3.65

	2014Q4	2015Q4	2016Q4	2017Q4	2018Q1	2018Q2	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Капитализация, млрд ₹	72.24	54.01	62.09	67.35			88.59				106.49				163.77			404.97				433.66				792.69
Выручка, млрд ₹																			31.2	0.235	21.01	22.45	27.18	0.3132	34.65	36.63	52.45	75.87
Чистая прибыль, млрд ₹																			5.52	0.0393	5	5.55	6.56	0.0504	6.27	7.24	8.1	6.49
EV, млрд ₹																		152.94	26.76		179.05	503.92	408.12	449.61	926.78	968.74	1 241.36	1 388.08
EBIT, млрд ₹																			32.06	7.94	10.1	11.21	17.83	10.22	12.71	21.61	23.92	7.54
EBITDA, млрд ₹																			6	3.97	5.05	5.6	8.91	5.11	6.36	10.8	11.96	0.0000
Баланс стоимость, млрд ₹																			232.24	234.03	239.05	241.89	248.76	2.54	259.76	267.66	275.61	270.84
FCF, млрд ₹				-4.79	-4.79	-4.79	-4.08	-4.08	-4.08		-35.38	-35.38	-35.38	-35.38
Операционный денежный поток, млрд ₹									-1.96	-100.69	-35.06	-35.06	-35.06	-35.06		49.51	33.46		55.39						-14.16
Операционная прибыль, млрд ₹																			6	3.97	5.05	5.6	8.91	5.11	6.36	10.8	11.96	7.54
Операционные расходы, млрд ₹																			54.23	0.1821	19.58	19.52	17.95	0.1811	28.29	22.15	36.4	6.75
CAPEX, млрд ₹									2.12	1.04	0.3226	0.3226	0.3226	0.3226		0.6666	0.6015		0.5623						2.27

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			222.46	232.23	265.45	308.92	240.61	307.76	369.51	208.21	188.15	188.15
Short Term Investments ₹						-92.64	-17.08	-110.23	215.96	160.25		160.25
Long term investments ₹	702.37	792.98	791.9	715.49	686.46	669.32	794.16	954.94	981.79	936.43
Total Receivables ₹		65.39	67.69		51.15	34.63	53.98	51.07	59.99	81.9	124.92	124.92
Total Current Assets ₹			290.15	232.23	316.6	216.27	223.53	197.53	153.56	47.96	188.15	188.15
Чистые активы, млрд ₹		25.07	32.7	30.54	28.93	33.37	31.27	29.19	33.66	37.11		37.11
Активы, млрд ₹			2 744.37	2 940.63	2 479.68	2 500.08	2 607.27	2 740.1	2 996.56	3 134.5	3 518.69	3 518.69
Short Term Debt ₹			140.8	48.38	43.61	16.27	14.79	2.81	0.1149	0.0813	256.23	256.23
Long Term Debt ₹		130.35	271.83	160.98	92.28	61.46	54.2	36.72	30.71	208.04		208.04
Задолженность, млрд ₹			2 587.71	2 803.18	2 346.94	2 336.48	2 445.72	2 570.66	2 764.32	2 885.74	303.87	303.87
Чистый долг, млрд ₹			54.97	-71.25	-167.14	-241.98	-182.97	-264.46	-331.8	-0.1706	115.72	115.72
Долг, млрд ₹			412.64	209.36	135.89	77.73	68.99	39.52	30.82	208.12	303.87	303.87
Interest income ₹				197.19	179.15	176.31	174.06	169.66	167.3	194.07
Расходы на обслуживание долга ₹			181.35	145.29	124.48	123.52	121.03	110.67	104.19	111.46	142.27	142.27
Чист. проц. доходы, млрд ₹			53.83	51.9	54.68	52.79	53.03	58.99	63.11	82.61	240.66	194.07
Амортизация, млрд ₹			1.96	2.15	2.72	3.04	3.01	2.58	1.73	2.6	3.36	3.36
Себестоимость, млрд ₹					0.1208	0.1767
Товарно материальные запасы ₹			2.12	2.12	2.1	-368.67	-359.69	-393.47	460.43	326.32	313.07	313.07

	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2019Q1	2020Q1	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Наличность, млрд ₹														369.51	-242.9	257.99	219.49	208.21	2.05	190.76	153.05	188.15	187.84
Short Term Investments ₹												-228.78	-142.3	-215.96				-160.25					15.9
Long term investments ₹											940.19	925.78	942.99	981.79		948.79	938.35	936.43	9.3	956.08	977.75
Total Receivables ₹									253.61	51.07	217.77	228.78	59.99	59.99		99.45	39.54	81.9				124.92
Total Current Assets ₹														153.56	242.9	257.99	219.49	47.96	2.05	190.76	153.05	188.15	187.84
Чистые активы, млрд ₹											29.11	28.82	28.63	33.66	34.01	35.78	36.98	37.11	37.42	37.75
Активы, млрд ₹														2 996.56	2 959.69	3 587.14	3 016.04	3 134.5	31.48	3 363.49	3 439.45	3 518.69	3 664.97
Short Term Debt ₹	160.98	160.98	139.46	139.46	43.61	92.28	16.27							8.17				0.0813				256.23
Long Term Debt ₹											34.64	34.7	37.23	30.71	53.35	113.82	133.65	208.04	178.4	295.29
Задолженность, млрд ₹														2 764.32	2 725.66	113.82	133.65	2 885.74	1.78	295.29	309.94	303.87	3 394.13
Чистый долг, млрд ₹														-331.8	296.25	-144.18	-85.83	-0.1706	-0.2629	104.53	156.88	115.72	143.17
Долг, млрд ₹													37.23	38.88		113.82	133.65	208.12	1.78	295.29	309.94	303.87	331.01
Interest income ₹												42.54	41.98	42.15	0.4436	47.19	50.57	51.95	0.5427	58.25	61.8
Расходы на обслуживание долга ₹														26.06	0.2681	27.64	27.84	29.17	0.3102	34.77	37.8	38.68	40.96
Чист. проц. доходы, млрд ₹														16.1	0.1755	19.55	22.73	22.78	0.2325	23.48	24	66.34	65.39
Амортизация, млрд ₹														-0.0066	-3.97	-5.05	-5.6	-8.91	-5.11	-6.36	-10.8	-11.96	-7.54
Себестоимость, млрд ₹							0.1767
Товарно материальные запасы ₹	2.12				2.1		2.1	2.1		2.1				-458.65				-326.32				313.07

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
EPS	-4.92	-2.64	-22.4	-6.05	-8.61	0.5	0.9043	1.11	1.41	1.41
Цена акции ао	24.25	22.1	14.95	11.3	10.7	20.35	32.1	43.3	54.1	54.1
Число акций ао, млн	2453.27	2856.38	6263.78	10421.08	16374.62	18902.41	18902.41	18902.41	18902.41	18902.41
FCF/акцию	-11.42	-2.26	-3.06	-1.57	-8.64	2.58	2.9	-8.55	-0.7852	-0.7852

	2011Q4	2012Q4	2013Q4	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
EPS													0.29	0.21	0.26	0.2936	0.3468	0.0027	0.3318	0.3831	0.4287	0.3432
Цена акции ао											22.19	21.42	19.43	17.52	17.75	22.94	26.55	24.4	31.32	41.94
Число акций ао, млн				1234.52	1643.67	2453.27	2856.38	6263.78	10421.08	16374.62		18902.41				18902.41				18902.41
FCF/акцию	14.04	-2.63	7.94	11.69	-4.26	-0.6591	-1.68	-0.6521	-3.39

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
ROE, %			-18.49	-24.86	-47.46	-22.85	-52.78	4.48	7.36	8.46	9.67	9.67	15.18
ROA, %			-1.06	-1.16	-2.54	-1.5	-3.27	0.2768	0.5704	0.6712	0.7576	0.7576	3.71
ROIC, %	1.07	-1.13											9.45
ROS, %			-223.32	-223.16	206.76	-42.89	-104.38	6.53	15.23	17	17.19	17.19	43.97
ROCE, %			97.26	81.11	46.32	-11.12	-53.51	3	6.92	8.41	1.06	1.06	-10.66
Рентаб EBITDA, %			1189.6	742.15	-210.73	-17.39	-102.14	6.6	15.85	19.01	24.25	24.25	27.21
Чистая рентаб, %			-223.32	-223.16	206.76	-42.89	-104.38	6.53	15.23	17	17.19	17.19	43.97
Operation Margin, %			1174.46	728.12	-201.79	-20.88	-105.82	4.38	14.32	16.91	22.08	22.08	31.93
Доходность FCF, %	40.98	86.44	-42.49	-8.97	-18.5	-13.13	-89.86	13.62	14.95	-27.51

	2011Q4	2012Q4	2013Q4	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
ROE, %										2.38	0.0168	2.09	2.29	2.64	1.99	2.41	2.71	2.94	2.4	15.18
ROA, %										0.1842	0.0013	0.1394	0.184	0.2092	0.1601	0.1865	0.2105	0.2303	0.177	3.71
ROS, %										17.7	16.73	23.8	24.73	24.12	16.09	18.1	19.77	15.45	8.55	43.97
ROCE, %										13.8	3.39	0.2907	0.3887	7.17	34.42	0.4142	0.6904	0.744	2.78	-10.66
Рентаб EBITDA, %										19.23	1688.53	24.03	24.96	32.79	1631.99	18.34	29.49	22.8	5.7E-5	27.21
Чистая рентаб, %										17.7	16.73	23.8	24.73	24.12	16.09	18.1	19.77	15.45	8.55	43.97
Operation Margin, %										19.23	1688.53	24.03	24.96	32.79	1631.99	18.34	29.49	22.8	9.94	31.93
Доходность FCF, %	15.31	-3.32	15.74	19.99	-12.97	-2.6	-7.11	-4.61	-33.22

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
P/E	-2.28	-2.11	-1.64	-3.33	-1.85	47.3	20.96	19.41	42.23	42.23	39.84
P/BV	0.4211	0.5246	0.78	0.7604	0.9748	2.12	1.54	1.64	0.3501	0.3501	3.20
P/S	5.08	4.71	-3.4	1.43	1.93	3.09	3.19	3.3	7.26	7.26	9.29
P/FCF	-2.35	-11.15	-5.41	-7.61	-1.11	7.34	6.69	-3.64	-33.62	-33.62	13.88
E/P	-0.4392	-0.4738	-0.6084	-0.3005	-0.5415	0.0211	0.0466	0.0358	0.0534	0.0534	0.38
EV/EBITDA	1.66	0.4333	-0.4052	7.05	0.1694	11.8	1.48	17.34	33.02	33.02	128.40
EV/Ebit									36.27	36.27
EV/S	19.74	3.22	0.8539	-1.23	-0.1731	0.7786	0.2353	3.3	8.01	8.01	11.23
EV/FCF	-9.14	-7.61	1.36	6.54	0.0999	1.85	0.4815	-2.52	-83.64	-83.64	24.11
Debt/EBITDA	2.67	1.84	2.12	-5.13	-0.8267	5.16	1.73	8.84	8.08	8.08	25.10
Netdebt/Ebitda	0.3562	-0.6271	-2.6	15.97	2.19	-34.5	-18.65	-0.0072	3.08	3.08	-18.50
Debt/Ratio	0.1504	0.0712	0.0548	0.0311	0.0265	0.0144	0.0103	0.0664	0.0864	0.0864	0.36
Debt/Equity	2.63	1.52	1.02	0.4752	0.427	0.2332	0.1327	0.8366	8.19	8.19	278.77
Debt/Net Income	-14.24	-6.13	-2.16	-2.08	-0.809	5.21	1.8	9.89	11.4	11.4	15.69
Бета								2.72	-1.43	-1.43	0.79
Индекс Альтмана	0.5613	-0.1113	-0.0162	-0.0291	-0.1501	0.1464	0.151	-130.21	0.339	0.339	0.15

	2011Q4	2012Q4	2013Q4	2014Q4	2015Q4	2016Q4	2017Q3	2017Q4	2018Q1	2018Q4	2019Q1	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
P/E															20.56	17.88	17.03	78.13	23.81	26.22	44.62	40.35	51.95	44.3	39.84
P/BV															1.54	1.38	1.35	1.79	1.64	15.15	0.268	0.2594	0.3501	4.6	3.20
P/S															4.28	5.72	5.52	19.32	5.76	6.34	9.72	8.22	9.07	6.24	9.29
P/FCF	6.53	-30.15	6.35	5	-7.71	-38.4		-14.07		-21.69		-3.01													13.88
E/P				-0.0714	-0.2638	-0.0893		-0.1442		-0.0391		-0.5705	0.013	0.0112				0.0128				0.0091			0.38
EV/EBITDA														1.28	0.2194		1.87	5.13	17.34	87.97	145.84	89.67	103.8	32075149.53	128.40
EV/S																				1435.69	26.75	26.45	23.67	18.29	11.23
Debt/EBITDA														1.21	6.48		3.48	4	23.35	0.3491	46.47	28.69	25.41	7648731.4	25.10
Netdebt/Ebitda															-55.31	74.65	-28.56	-15.32	-0.0191	-0.0514	16.45	14.52	9.68	3308330.25	-18.50
Debt/Ratio							0.1136		0.0372		0.0311				0.013				0.0664	0.0567	0.0878	0.0901	0.0864	0.0903	0.36
Debt/Equity							2.13		0.6952		0.4752				0.1674				0.8366	0.7034	1.14	1.16	1.1	1.22	278.77
Debt/Net Income							-22.82		-2.56		-3.92				7.04				31.74	35.39	47.08	42.8	37.5	51.03	15.69
Индекс Альтмана													0.0558	0.1176				-0.0698							0.15

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд			1.91	2.23	2.87	2.22	3.6	4.17	0.945	0.7226
Дивиденд	2.6	3	3.5	4.5	3.5	5	4.5	2	1.2		0
Див доход, ао, %	2.6	2.4	3.03	5.31	2.96	4.02	5.39	3.41	1.99		0	1.39
Дивиденды / прибыль, %			15.9	16.83	40.57	20.73	34.24	73.49	15.7	-15.91	0	27.26

	2006Q2	2007Q2	2008Q2	2009Q2	2010Q2	2011Q3	2012Q2	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд								1.04	1.04	0.2362	0.2362	0.2362	0.2362	0.1807	0.1807	0.1807	0.1807
Дивиденд	2.6	3	3.5	4.5	3.5	5	4.5	2			0.7	0.5
Див доход, ао, %	2.91	2.7	2.74	5.99	3.66	4.11	5.21	3.26			1.48	0.7265						1.39
Дивиденды / прибыль, %								82.84	78.62	31.47	8.8	8.69	-9.62	-3.5	50.9	122.4	-3.28	27.26

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	22052	22052

	CAGR 5

	CAGR 5

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