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Indian Overseas Bank Complete Financial Statements

6 Years of Data
2026 - 2021

In FY2026, Indian Overseas Bank (IOB) reported revenue ₹9,780 Cr, net profit ₹1,556 Cr and EPS ₹0.81, with a net profit margin of 15.9% and ROE of 4.8%. Full financial statements from FY2021 to FY2026 (6 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. Explore IOB intrinsic value to estimate fundamental worth using multiple valuation models.

Complete Financial Data Export

Profitability Ratios

Net Profit Margin 15.91% 2026 data
EBITDA Margin 16.96% 2026 data
Operating Margin 63.00% 2026 data
Return on Assets 0.39% 2026 data
Return on Equity 4.83% 2026 data

Balance Sheet Ratios

Current Ratio 0.09 2026 data
Equity Ratio 8.17% 2026 data
Asset Turnover 0.02 2026 data

IOB Revenue, Net Profit & EBITDA — Year-on-Year Growth

IOB YoY (Mar 2025 vs Mar 2026) — revenue +6.1%, net profit +42.5%, EBITDA +6.8%, expenses -1.6%. Review IOB earnings valuation to evaluate earnings-based valuation against sector peers.

Revenue Growth
+6.1%
Year-over-Year
Net Profit Growth
+42.5%
Year-over-Year
EBITDA Growth
+6.8%
Year-over-Year
Expense Growth
-1.6%
Year-over-Year
Assets Growth
+12.2%
Year-over-Year
Equity Growth
+17.0%
Year-over-Year
Operating Cash Flow Growth
+353.8%
Year-over-Year
Investing Cash Flow Growth
-61.3%
Year-over-Year
Financing Cash Flow Growth
+127.3%
Year-over-Year

IOB Income Statement — Revenue, EBITDA & Net Profit

Indian Overseas Bank revenue ₹9,780 Cr, EBITDA ₹1,659 Cr, net profit ₹1,556 Cr, EPS ₹0.81 (2026) — net profit margin 15.9%. For live price, earnings ratios and company overview, see Indian Overseas Bank stock price NSE.

Periods ₹ Crores
Particulars Mar 2026 Sept 2025 Mar 2025 Jun 2025 Dec 2025 Sept 2024 Mar 2024 Jun 2024 Dec 2024 Sept 2023 Mar 2023 Jun 2023 Dec 2023 Sept 2022 Mar 2022 Jun 2022 Dec 2022 Sept 2021 Jun 2021 Dec 2021
Revenue 9,780 9,216 9,216 8,868 9,672 8,488 9,113 7,572 8,414 6,942 6,631 6,234 7,443 5,854 5,721 5,031 6,008 5,093 5,160 5,319
Expenses 3,102 2,698 3,152 2,714 3,430 3,191 4,049 2,738 2,852 2,829 2,822 2,621 2,583 2,585 2,516 1,953 2,664 2,088 2,257 2,234
EBITDA 1,659 1,729 1,554 1,515 1,367 982 1,196 739 1,238 636 891 511 1,080 505 600 397 560 383 337 459
Operating Profit Margin % 63.00% 66.00% 59.00% 63.00% 58.00% 53.00% 39.00% 58.00% 60.00% 51.00% 46.00% 52.00% 58.00% 45.00% 40.00% 56.00% 47.00% 51.00% 44.00% 47.00%
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Interest 5,019 4,790 4,510 4,639 4,874 4,315 3,868 4,096 4,324 3,477 2,917 3,102 3,780 2,764 2,605 2,681 2,784 2,622 2,567 2,626
Profit Before Tax 1,659 1,729 1,554 1,515 1,367 982 1,196 739 1,238 636 891 511 1,080 505 600 397 560 383 337 459
Tax 103 470 462 336 -60 202 386 90 362 8 236 7 356 5 48 4 5 7 7 8
Net Profit 1,556 1,259 1,092 1,178 1,427 780 810 649 875 627 656 504 724 500 552 393 555 377 330 451
Earnings Per Share (₹) 0.81 0.65 0.58 0.61 0.71 0.41 0.43 0.34 0.46 0.33 0.35 0.27 0.38 0.26 0.29 0.21 0.29 0.20 0.17 0.24

IOB Balance Sheet — Assets, Liabilities & Shareholders' Equity

IOB total assets ₹394,708 Cr, total equity ₹32,233 Cr, total liabilities ₹ Cr (2025) — ROE 4.8%.

Years Annual Data ₹ Crores
Particulars 2025 2024 2023 2022 2021
ASSETS
Total Assets 394,708 351,869 313,438 299,030 274,229
Current Assets 33,910 35,605 38,017 53,770 48,084
Fixed Assets 4,581 3,726 3,711 3,366 2,918
Capital Work in Progress 74 15 0 0 1
Investments 110,588 99,194 93,643 97,641 95,485
Other Assets 279,465 248,935 216,085 198,023 175,826
LIABILITIES
Total Liabilities
Current Liabilities 386,400 344,070 306,653 287,882 261,123
Non-Current Liabilities
SHAREHOLDERS' EQUITY
Total Equity 32,233 27,561 24,876 22,598 17,099
Share Capital 19,257 18,902 18,902 18,902 16,647
Reserves & Surplus 12,977 8,659 5,974 3,695 452

IOB Cash Flow Statement — Operating, Investing & Financing

Indian Overseas Bank operating cash flow ₹2,840 Cr, investing ₹-579 Cr, financing ₹144 Cr, net cash flow ₹2,405 Cr (2025).

Periods ₹ Crores
Particulars March 2025 March 2024 March 2023 March 2022 March 2021
Operating Activities 2,840 -1,119 -13,655 5,539 4,949
Investing Activities -579 -359 -560 -49 -46
Financing Activities 144 -528 -1,916 479 1,813
Net Cash Flow 2,405 -2,006 -16,130 5,969 6,716