NSE: IOB - Indian Overseas Bank

Yield per half year: -28.41%
Dividend yield: 0.00%
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	319.01	36.42
Выручка, млрд ₹		12.97	15.31	-30.47	87.15	81.7	116.21	112.2	123.77	121.53	121.53	111.08	8.27
Чистая прибыль, млрд ₹		-28.97	-34.17	-62.99	-37.38	-85.27	7.58	17.09	21.04	26.66	26.66	-2.5800	-179.25
EV, млрд ₹		256.14	49.24	-26.02	-106.79	-14.14	90.49	18.84	424.19	937.49	937.49	291.37	-331.37
EBIT, млрд ₹		152.37	111.48	61.48	-18.19	-86.45	5.09	17.79	23.53	34.23	34.23	-1.1620	-183.09
EBITDA, млрд ₹		154.34	113.63	64.21	-15.15	-83.44	7.67	19.51	26.14	37.59	37.59	1.49	-185.26
Баланс стоимость, млрд ₹		156.66	137.45	132.74	163.6	161.55	169.45	232.24	248.76	275.61	275.61	217.52	11.27
FCF, млрд ₹		-28.03	-6.47	-19.15	-16.34	-141.52	48.84	54.83	-161.66	-14.84	-14.84	-42.8700	-36.30
Операционный денежный поток, млрд ₹		-15.52	-5.05	-17.93	-7.86	-140.23	49.51	55.39	-155.84	-11.19	-11.19	-40.4720	-39.69
Операционная прибыль, млрд ₹		152.37	111.48	61.48	-18.19	-86.45	5.09	16.06	20.93	45.9	45.9	0.3060	-188.11
Операционные расходы, млрд ₹		108.08	119.43	155.14	49.65	53.29	59.62	95.12	71.66	75.64	75.64	71.07	7.26
CAPEX, млрд ₹		12.51	1.42	1.22	8.48	1.29	0.6666	0.5623	5.82	3.65	3.65	2.40	23.12

	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	2024Q3	2024Q4	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					380.32	49.40
Выручка, млрд ₹																					21.01	22.45	27.18	0.3132	34.65	36.63	52.45	75.87	84.9	40.91	58.15	2.23
Чистая прибыль, млрд ₹																					5	5.55	6.56	0.0504	6.27	7.24	8.1	6.49	7.8	8.75	7.68	3.86
EV, млрд ₹																					179.05	503.92	408.12	449.61	988.22	968.74	1 241.36	1 388.08	861.28	719.52	1035.80	-5.77
EBIT, млрд ₹																				7.94	10.1	11.21	17.83	10.22	12.71	21.61	23.92	7.54	53.69		23.89	33.40
EBITDA, млрд ₹																				3.97	5.05	5.6	8.91	5.11	6.36	10.8	11.96	0.0000	9.84		8.81	14.00
Баланс стоимость, млрд ₹																					239.05	241.89	248.76	2.54	259.76	267.66	275.61	270.84	281.05	289.25	276.88	1.56
FCF, млрд ₹				-4.79	-4.79	-4.79	-4.08	-4.08	-4.08		-35.38	-35.38	-35.38	-35.38																	-29.1200	54.04
Операционный денежный поток, млрд ₹									-1.96	-100.69	-35.06	-35.06	-35.06	-35.06		49.51	33.46		55.39						-14.16						17.83	-16.58
Операционная прибыль, млрд ₹																					5.05	5.6	8.91	5.11	6.36	10.8	11.96	7.54	53.69	-111.26	-5.4540	-259.43
Операционные расходы, млрд ₹																					19.58	19.52	17.95	0.1811	28.29	22.15	36.4	6.75	41.75	40.91	29.59	13.06
CAPEX, млрд ₹									2.12	1.04	0.3226	0.3226	0.3226	0.3226		0.6666	0.6015		0.5623						2.27						0.8846	47.73

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	262.85	-4.80
Short Term Investments ₹						-92.64	-17.08	-110.23	215.96	160.25	0	0	31.25	-211.58
Long term investments ₹	702.37	792.98	791.9	715.49	686.46	669.32	794.16	954.94	981.79	936.43			867.33	6.95
Total Receivables ₹		65.39	67.69		51.15	34.63	53.98	51.07	59.99	81.9	124.92	124.92	74.37	18.27
Total Current Assets ₹			290.15	232.23	316.6	216.27	223.53	197.53	153.56	47.96	188.15	188.15	162.15	-3.39
Чистые активы, млрд ₹		25.07	32.7	30.54	28.93	33.37	31.27	29.19	33.66	37.11		37.11	32.92	2.15
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	2999.42	6.18
Short Term Debt ₹			140.8	48.38	43.61	16.27	14.79	2.81	0.1149	0.0813	256.23	256.23	54.81	76.90
Long Term Debt ₹		130.35	271.83	160.98	92.28	61.46	54.2	36.72	30.71	208.04		208.04	78.23	27.62
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	3 243.08	3 243.08	2781.90	5.81
Чистый долг, млрд ₹			54.97	-71.25	-167.14	-241.98	-182.97	-264.46	-331.8	-0.1706	-188.15	-188.15	-193.5101	0.56
Долг, млрд ₹			412.64	209.36	135.89	77.73	68.99	39.52	37.71	208.12	303.87	303.87	131.64	34.52
Interest income ₹				197.19	179.15	176.31	174.06	169.66	167.3	194.07			176.28	1.94
Расходы на обслуживание долга ₹			181.35	145.29	124.48	123.52	121.03	110.67	104.19	111.46	142.27	142.27	117.92	3.29
Чист. проц. доходы, млрд ₹			53.83	51.9	54.68	52.79	53.03	58.99	63.11	82.61	240.66	194.07	99.68	35.32
Амортизация, млрд ₹			1.96	2.15	2.72	3.04	3.01	2.58	1.73	2.6	3.36	3.36	2.66	2.22
Себестоимость, млрд ₹					0.1208	0.1767					-33.51	-33.51	-11.0708	-752.18
Товарно материальные запасы ₹			2.12	2.12	2.1	-368.67	-359.69	-393.47	460.43	326.32	313.07	313.07	69.33	-197.26

	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2019Q1	2020Q1	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₹																257.99	219.49	208.21	2.05	190.76	153.05	188.15	187.84	229.96	236.56	199.11	9.10
Short Term Investments ₹												-228.78	-142.3	-215.96				-160.25					15.9			-146.2780	-158.67
Long term investments ₹											940.19	925.78	942.99	981.79		948.79	938.35	936.43	9.3	956.08	977.75					763.58	0.83
Total Receivables ₹									253.61	51.07	217.77	228.78	59.99	59.99		99.45	39.54	81.9				124.92				81.16	15.80
Total Current Assets ₹																257.99	219.49	47.96	2.05	190.76	153.05	188.15	187.84	229.96	236.56	199.11	9.10
Чистые активы, млрд ₹											29.11	28.82	28.63	33.66	34.01	35.78	36.98	37.11	37.42	37.75						37.01	1.08
Активы, млрд ₹																3 587.14	3 016.04	3 134.5	31.48	3 363.49	3 439.45	3 518.69	3 664.97	3 763.63	3 860.8	3649.51	2.34
Short Term Debt ₹	160.98	160.98	139.46	139.46	43.61	92.28	16.27							8.17				0.0813				256.23				74.61	22.66
Long Term Debt ₹											34.64	34.7	37.23	30.71	53.35	113.82	133.65	208.04	178.4	295.29						185.84	21.01
Задолженность, млрд ₹																113.82	133.65	2 885.74	1.78	295.29	309.94	303.87	3 394.13	3 482.58	3 571.56	2212.42	63.05
Чистый долг, млрд ₹																-144.18	-85.83	-0.1706	-0.2629	104.53	156.88	115.72	143.17	-229.96	-236.56	-10.1500	-208.56
Долг, млрд ₹													37.23	38.88		113.82	133.65	208.12	1.78	295.29	309.94	303.87	331.01			248.38	184.37
Interest income ₹												42.54	41.98	42.15	0.4436	47.19	50.57	51.95	0.5427	58.25	61.8					44.62	4.09
Расходы на обслуживание долга ₹																27.64	27.84	29.17	0.3102	34.77	37.8	38.68	40.96	43.15	43.24	40.77	2.73
Чист. проц. доходы, млрд ₹														16.1	0.1755	19.55	22.73	22.78	0.2325	23.48	24	66.34	65.39			35.89	208.90
Амортизация, млрд ₹															-3.97	-5.05	-5.6	-8.91	-5.11	-6.36	-10.8	-11.96	-7.54	-43.85		-16.1020	47.13
Себестоимость, млрд ₹							0.1767																	-43.15		-21.4867	-1662.69
Товарно материальные запасы ₹	2.12				2.1		2.1	2.1		2.1				-458.65				-326.32				313.07				-93.5400	172.07

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	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	-0.9371	-169.64
Цена акции ао		22.1	14.95	11.3	10.7	20.35	32.1	43.3	51.76	42.51	42.51	38.00	15.87
Число акций ао, млн	2453.27	2856.38	6263.78	10421.08	16374.62	18902.41	18902.41	18902.41	18902.41		18902.41	18396.85	2.91
FCF/акцию	-11.42	-2.26	-3.06	-1.57	-8.64	2.58	2.9	-8.55	-0.7852		-0.7852	-2.4990	-38.10

	2011Q4	2012Q4	2013Q4	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
EPS														0.26	0.2936	0.3468	0.0027	0.3318	0.3831	0.4287	0.3432	0.4124	0.463		0.4061	3.86
Цена акции ао											21.42	19.43	17.52	17.75	22.94	26.55	24.4	31.32	41.94					42.51	33.34	9.87
Число акций ао, млн				1234.52	1643.67	2453.27	2856.38	6263.78	10421.08	16374.62	18902.41				18902.41				18902.41						16700.59	12.65
FCF/акцию	14.04	-2.63	7.94	11.69	-4.26	-0.6591	-1.68	-0.6521	-3.39																-2.1282	-4.47

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			-18.49	-24.86	-47.46	-22.85	-52.78	4.48	8.51	8.75	10.17		10.17	16.86	-4.1740	-171.94
ROA, %			-1.06	-1.16	-2.54	-1.5	-3.27	0.2768	0.5959	0.6863	0.8013		0.8013	4.25	-0.1819	-175.48
ROIC, %	1.07	-1.13												9.45	-0.0300	-202.77
ROS, %				-223.16	206.76	-42.89	-104.38	6.53	15.23	17	21.93	21.93	21.93	54.68	16.52	27.42
ROCE, %				81.11	46.32	-11.12	-53.51	3	0.5937	0.7512	1.53	12.42	12.42	24.78	3.66	32.86
Ebit margin, %							-102.14	7.23	15.85	19.01	28.16	28.16	28.16		19.68	31.25
Рентаб EBITDA, %				742.15	-210.73	-17.39	-102.14	6.6	17.39	21.12	30.93	30.93	30.93	61.11	21.39	36.20
Чистая рентаб, %			-223.32	-223.16	206.76	-42.89	-104.38	6.53	15.23	17	21.93		21.93	54.68	-8.7380	-173.20
Operation Margin, %				728.12	-201.79	-20.88	-105.82	4.38	14.32	16.91	37.76	37.76	37.76	57.48	22.23	53.85
Доходность FCF, %	40.98	86.44	-42.49	-8.97	-18.5	-13.13	-89.86	13.62	14.95	-27.51					-20.3860	15.94

	2011Q4	2012Q4	2013Q4	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	Industry average	5 quarters average	CAGR 5
ROE, %											2.09	2.29	2.64	1.99	3.38	3.78	4.09	2.76	2.88	3.17	16.86	3.34	-3.46
ROA, %											0.1394	0.184	0.2092	0.1601	0.3695	0.2129	0.2329	0.1806	0.2099	0.2296	4.25	0.2132	1.52
ROS, %											23.8	24.73	24.12	16.09	18.1	19.77	15.45	8.55	9.18	21.39	54.68	14.87	1.59
ROCE, %										3.39	0.2907	0.3887	7.17	34.42	0.7296	0.8671	1.08	0.2418	1.67		24.78	0.9177	18.01
Ebit margin, %															36.68	58.98	45.6	9.94	63.24			42.89	11.51
Рентаб EBITDA, %										1688.53	24.03	24.96	32.79	1631.99	18.34	29.49	22.8	5.7E-5	11.59		61.11	16.44	-8.77
Чистая рентаб, %											23.8	24.73	24.12	16.09	18.1	19.77	15.45	8.55	9.18	21.39	54.68	14.87	1.59
Operation Margin, %											24.03	24.96	32.79	1631.99	18.34	29.49	22.8	9.94	63.24	-271.93	57.48	-29.2920	-255.94
Доходность FCF, %	15.31	-3.32	15.74	19.99	-12.97	-2.6	-7.11	-4.61	-33.22													-12.1020	20.70

Coefficients

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	-2.28	-2.11	-1.64	-3.33	-1.85	47.3	20.51	20.17	42.23		42.23	36.17	25.67	-286.93
P/BV	0.4211	0.5246	0.78	0.7604	0.9748	2.12	1.51	1.71	4.08		4.08	3.46	2.08	33.15
P/S	5.08	4.71	-3.4	1.43	1.93	3.09	3.12	3.43	9.26		9.26	11.00	4.17	36.84
P/FCF		-11.15	-5.41	-7.61	-1.11	7.34	6.69	-3.64	-33.62	-33.62	-33.62	9.18	-11.3700	-235.58
E/P		-0.4738	-0.6084	-0.3005	-0.5415	0.0211	0.0466	0.0358	0.0534	0.0534	0.0534	0.25	0.0421	20.41
EV/EBIT					1.3	-0.0324	1.06	18.02	27.39	27.39	27.39		14.77	-484.95
EV/EBITDA	1.66	0.4333	-0.4052	7.05	0.1694	11.8	0.9655	16.23	24.94		24.94	160.46	10.82	171.39
EV/S		3.22	0.8539	-1.23	-0.1731	0.7786	0.1679	3.43	7.71	7.71	7.71	13.52	3.96	58.18
EV/FCF		-7.61	1.36	6.54	0.0999	1.85	0.3436	-2.62	-63.16	-63.16	-63.16	11.90	-25.3493	-302.61
Debt/EBITDA		1.84	2.12	-5.13	-0.8267	5.16	1.93	7.96	8.08	8.08	8.08	139.52	6.24	9.38
Netdebt/Ebitda		-0.6271	-2.6	15.97	2.19	-34.5	-17	-0.0065	-5.01	-5.01	-5.01	-122.79	-12.3053	-32.02
Debt/Ratio		0.0712	0.0548	0.0311	0.0265	0.0144	0.0126	0.0664	0.0864	0.0864	0.0864	0.30	0.0532	43.10
Debt/Equity		1.52	1.02	0.4752	0.427	0.2332	0.1624	0.8366	1.1	8.19	8.19	271.11	2.10	103.76
Debt/Net Income		-6.13	-2.16	-2.08	-0.809	5.21	2.21	9.89	11.4	11.4	11.4	13.96	8.02	16.95
PEG										143.46	143.46		143.46	0.00
Бета								2.72	2.54	1.74	1.74	1.00	2.33	-13.84
Индекс Альтмана		-0.1113	-0.0162	-0.0291	-0.1501	0.1464	0.151	-130.21	0.0187	0.0216	0.0216	0.99	-25.9745	-31.80

	2011Q4	2012Q4	2013Q4	2014Q4	2015Q4	2016Q4	2017Q3	2017Q4	2018Q1	2018Q4	2019Q1	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E																	17.03	78.13	23.81	26.22	47.95	40.35	51.95	44.3	36.83	30.7			36.17	40.83	-5.32
P/BV																	1.35	1.79	1.64	15.15	0.288	0.2594	0.3501	4.6	3.88	3.31			3.46	2.48	66.41
P/S																	5.52	19.32	5.76	6.34	10.45	8.22	9.07	6.24	4.37	3.76			11.00	6.33	-14.48
P/FCF	6.53	-30.15	6.35	5	-7.71	-38.4		-14.07		-21.69		-3.01																	9.18	-16.9760	-17.15
E/P				-0.0714	-0.2638	-0.0893		-0.1442		-0.0391		-0.5705	0.013	0.0112				0.0128				0.0091							0.25	-0.1049	-143.71
EV/EBIT																					77.75	44.84	51.9	184.13	16.04					74.93	-27.07
EV/EBITDA															0.2194		1.87	5.13	17.34	87.97	86.2	43.5	36.27	47.67	26.41				160.46	48.01	-21.07
EV/S																				1435.69	28.52	26.45	23.67	18.29	10.14	17.59			13.52	19.23	-7.83
Debt/EBITDA														1.21	6.48		3.48	4	23.35	0.3491	46.47	28.69	25.41	7648731.4					139.52	1529766.46	2838.52
Netdebt/Ebitda																74.65	-28.56	-15.32	-0.0191	-0.0514	16.45	14.52	9.68	3308330.25	-23.36				-122.79	661669.51	-207.27
Debt/Ratio							0.1136		0.0372		0.0311				0.013				0.0664	0.0567	0.0878	0.0901	0.0864	0.0903					0.30	0.0823	9.75
Debt/Equity							2.13		0.6952		0.4752				0.1674				0.8366	0.7034	1.14	1.16	1.1	1.22					271.11	1.06	11.64
Debt/Net Income							-22.82		-2.56		-3.92				7.04				31.74	35.39	47.08	42.8	37.5	51.03					13.96	42.76	7.59
Бета																											2.53	1.74	1.00	2.13	-17.07
Индекс Альтмана													0.0558	0.1176				-0.0698									0.0216	0.0216	0.99	0.0294	-17.29

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			2.33	-20.11
Дивиденд	2.6	3	3.5	4.5	3.5	5	4.5	2	1.2		0		3.24	-19.27
Див доход, ао, %	2.6	2.4	3.03	5.31	2.96	4.02	5.39	3.41	1.99		0	1.39	3.55	-7.63
Дивиденды / прибыль, %			15.9	16.83	40.57	20.73	34.24	73.49	15.7	-15.91	0	18.33	25.65	-194.84

	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		0.1918	-5.22
Дивиденд	2.6	3	3.5	4.5	3.5	5	4.5	2			0.7	0.5							2.54	-36.90
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	2.96	-29.29
Дивиденды / прибыль, %								82.84	78.62	31.47	8.8	8.69	-9.62	-3.5	50.9	122.4	-3.28	18.33	31.38	-19.36

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	22052	22052	0.00

	CAGR 5

	CAGR 5