Indian Overseas Bank Intrinsic Value
Indian Overseas Bank (IOB) median intrinsic value is ₹23.04 from 9 valuation models (range ₹15–₹45), vs current price ₹32.17 — -28.4% downside (Trading Above Calculated Value), margin of safety -39.6%. For current market price and key ratios, visit IOB share price screener.
IOB Valuation Methods Summary — DCF, Graham Number & P/E
Indian Overseas Bank intrinsic value across 9 models vs current price ₹32.17 — upside/downside and value range per method. See IOB price to book ratio to compare market price against book value per share.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹38.88 | ₹31.10 - ₹46.66 | +20.9% | EPS: ₹3.24, Sector P/E: 12x |
| Book Value Method | asset | ₹15.37 | ₹13.83 - ₹16.91 | -52.2% | Book Value/Share: ₹19.21, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹20.31 | ₹18.28 - ₹22.34 | -36.9% | Revenue/Share: ₹20.31, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹17.23 | ₹15.51 - ₹18.95 | -46.4% | EBITDA: ₹6636.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹23.04 | ₹18.43 - ₹27.65 | -28.4% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹20.74 | ₹18.67 - ₹22.81 | -35.5% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹26.70 | ₹24.03 - ₹29.37 | -17.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹45.25 | ₹40.73 - ₹49.78 | +40.7% | ROE: 16.8%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹37.42 | ₹33.68 - ₹41.16 | +16.3% | EPS: ₹3.24, BVPS: ₹19.21 |
IOB Intrinsic Value vs Market Price — All Valuation Models
Indian Overseas Bank fair value range ₹15–₹45 vs current market price ₹32.17 across 9 valuation models. Check IOB market cap trends to track the company's total market size over time.
IOB Intrinsic Value Analysis — Undervalued or Overvalued?
Indian Overseas Bank median intrinsic value ₹23.04, current price ₹32.17 — Trading Above Calculated Value by 28.4%, margin of safety -39.6%.
What is the intrinsic value of IOB?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Indian Overseas Bank (IOB) is ₹23.04 (median value). With the current market price of ₹32.17, this represents a -28.4% variance from our estimated fair value.
The valuation range spans from ₹15.37 to ₹45.25, indicating ₹15.37 - ₹45.25.
Is IOB undervalued or overvalued?
Based on our multi-method analysis, Indian Overseas Bank (IOB) appears to be trading above calculated value by approximately 28.4%.
IOB Financial Health — Key Ratios vs Industry Benchmarks
Indian Overseas Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.09 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 16.8% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 63.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.08x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
IOB Cash Flow Quality — Operating & Free Cash Flow
Indian Overseas Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹4,780 Cr | ₹4,461 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹2,647 Cr | ₹2,358 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹-1,119 Cr | ₹-1,299 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-13,655 Cr | ₹-13,935 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹5,539 Cr | ₹5,515 Cr | Positive Free Cash Flow | 8/10 |