Indian Overseas Financials
| IOB Stock | 50.31 0.50 1.00% |
Operating Margin 0.325 | PE Ratio 32.25 | Profit Margin 0.2275 | Return On Equity 0.1096 |
Indian | Select Account or Indicator |
Understanding current and past Indian Overseas Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Indian Overseas' financial statements are interrelated, with each one affecting the others. For example, an increase in Indian Overseas' assets may result in an increase in income on the income statement.
Please note, the presentation of Indian Overseas' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Indian Overseas' management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Indian Overseas' management manipulating its earnings.
Indian Overseas Stock Summary
Indian Overseas competes with Sportking India, Vardhman Special, Steel Authority, Transport, and Niraj Ispat. Indian Overseas is entity of India. It is traded as Stock on NSE exchange.| Foreign Associate | Germany |
Specialization | Financial Services, Banks - Regional |
| Instrument | India Stock View All |
| Exchange | National Stock Exchange of India |
| ISIN | INE565A01014 |
| Business Address | 763 Anna Salai, |
| Sector | Banks |
| Industry | Financials |
| Benchmark | Dow Jones Industrial |
| Website | www.iob.in |
| Phone | 91 44 2852 4212 |
You should never invest in Indian Overseas without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Indian Stock, because this is throwing your money away. Analyzing the key information contained in Indian Overseas' financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.
Indian Overseas Key Financial Ratios
There are many critical financial ratios that Indian Overseas' investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Indian Overseas Bank reports annually and quarterly.| Revenue | 121.53 B | ||||
| Gross Profit | 72.38 B | ||||
| EBITDA | 37.59 B | ||||
| Net Income | 34.23 B | ||||
| Total Asset | 3.52 T |
Indian Overseas Key Balance Sheet Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Total Assets | 2.6T | 2.7T | 3.0T | 3.1T | 3.5T | 2.4T | |
| Other Current Liab | (561.3M) | (402.2M) | (414.4M) | (1.6B) | (4.0B) | (4.2B) | |
| Net Debt | (183.0B) | (264.5B) | (331.8B) | (170.6M) | (188.1B) | (178.7B) | |
| Accounts Payable | 561.3M | 402.2M | 414.4M | 1.6B | 4.0B | 3.8B | |
| Cash | 240.6B | 307.8B | 369.5B | 208.2B | 188.1B | 203.8B | |
| Other Assets | 2.4T | 2.5T | 2.8T | 3.0T | (942.1B) | (895.0B) | |
| Total Liab | 2.4T | 2.6T | 2.8T | 2.9T | 3.2T | 2.2T | |
| Total Current Assets | 223.5B | 197.5B | 153.6B | 48.0B | 188.1B | 190.1B | |
| Retained Earnings | (189.8B) | (188.1B) | (180.0B) | (164.5B) | (144.7B) | (137.5B) | |
| Net Receivables | 54.0B | 51.1B | 60.0B | 81.9B | 124.9B | 75.4B | |
| Other Liab | 43.5B | 156.0B | 131.1B | 104.1B | 119.7B | 87.1B | |
| Net Tangible Assets | 163.6B | 161.5B | 169.4B | 232.2B | 267.1B | 179.9B | |
| Long Term Debt | 54.2B | 36.7B | 30.7B | 208.0B | 187.2B | 103.3B | |
| Inventory | (359.7B) | (393.5B) | (460.4B) | (326.3B) | (313.1B) | (328.7B) | |
| Other Current Assets | 305.7B | 342.4B | 400.4B | 244.4B | 188.1B | 254.5B | |
| Short Term Debt | 14.8B | 2.8B | 114.9M | 81.3M | 256.2B | 269.0B | |
| Long Term Debt Total | 54.2B | 36.7B | 30.7B | 208.0B | 187.2B | 196.6B | |
| Capital Surpluse | 40.3B | 60.0B | 69.2B | 85.6B | 98.4B | 75.8B | |
| Earning Assets | 818.5B | 855.0B | 940.6B | 954.9B | 1.1T | 950.0B | |
| Net Invested Capital | 219.2B | 206.2B | 260.7B | 456.8B | 579.5B | 343.2B |
Indian Overseas Key Income Statement Accounts
An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Interest Expense | 121.0B | 110.7B | 104.2B | 111.5B | 142.3B | 118.3B | |
| Total Revenue | 81.7B | 116.2B | 112.2B | 123.8B | 121.5B | 127.6B | |
| Gross Profit | 81.7B | 116.2B | 112.2B | 123.8B | 155.0B | 162.8B | |
| Operating Income | (86.5B) | 5.1B | 16.1B | 20.9B | 45.9B | 55.2B | |
| Ebit | (86.5B) | 8.4B | 17.8B | 23.5B | 34.2B | 55.1B | |
| Ebitda | (83.4B) | 11.0B | 19.5B | 26.1B | 37.6B | 56.5B | |
| Net Income | (85.3B) | 7.6B | 17.1B | 21.0B | 26.7B | 28.0B | |
| Income Tax Expense | 1.8B | 82.4M | 696.9M | 2.5B | 7.6B | 7.8B | |
| Income Before Tax | (83.4B) | 8.4B | 17.1B | 23.5B | 34.2B | 35.9B | |
| Tax Provision | 1.8B | 82.4M | 695.2M | 2.5B | 7.6B | 7.9B | |
| Net Interest Income | 53.0B | 59.0B | 63.1B | 82.6B | 98.4B | 69.6B | |
| Interest Income | 174.1B | 169.7B | 167.3B | 194.1B | 240.7B | 206.0B |
Indian Overseas Key Cash Accounts
Cash flow analysis captures how much money flows into and out of Indian Overseas Bank. It measures of how well Indian is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Indian Overseas brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Indian had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Indian Overseas has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | (68.3B) | 67.2B | 59.7B | (161.3B) | (20.1B) | (19.1B) | |
| Free Cash Flow | (141.5B) | 48.8B | 54.8B | (161.7B) | (14.8B) | (14.1B) | |
| Depreciation | 3.0B | 2.6B | 1.7B | 2.6B | 3.4B | 2.0B | |
| Capital Expenditures | 1.3B | 666.6M | 562.3M | 5.8B | 3.7B | 3.0B | |
| Net Income | (85.1B) | 8.5B | 17.8B | 23.5B | 34.2B | 35.9B | |
| End Period Cash Flow | 240.6B | 307.8B | 369.5B | 208.2B | 188.1B | 203.8B | |
| Other Non Cash Items | 120.8B | 51.1B | 37.4B | 35.9B | 23.1B | 21.9B | |
| Investments | (854.1M) | (479.4M) | (492.9M) | (5.6B) | (3.6B) | (3.4B) | |
| Change To Netincome | 87.1B | 121.0B | 51.3B | 38.1B | 43.9B | 73.8B |
Indian Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Indian Overseas's current stock value. Our valuation model uses many indicators to compare Indian Overseas value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Indian Overseas competition to find correlations between indicators driving Indian Overseas's intrinsic value. More Info.Indian Overseas Bank is currently regarded as number one stock in return on equity category among its peers. It also is currently regarded as number one stock in return on asset category among its peers reporting about 0.08 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Indian Overseas Bank is roughly 13.20 . The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Indian Overseas' earnings, one of the primary drivers of an investment's value.Indian Overseas Bank Systematic Risk
Indian Overseas' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Indian Overseas volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was three with a total number of output elements of fifty-eight. The Beta measures systematic risk based on how returns on Indian Overseas Bank correlated with the market. If Beta is less than 0 Indian Overseas generally moves in the opposite direction as compared to the market. If Indian Overseas Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Indian Overseas Bank is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Indian Overseas is generally in the same direction as the market. If Beta > 1 Indian Overseas moves generally in the same direction as, but more than the movement of the benchmark.
Indian Overseas Bank Total Assets Over Time
Indian Overseas November 23, 2024 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Indian Overseas help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Indian Overseas Bank. We use our internally-developed statistical techniques to arrive at the intrinsic value of Indian Overseas Bank based on widely used predictive technical indicators. In general, we focus on analyzing Indian Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Indian Overseas's daily price indicators and compare them against related drivers.
| Information Ratio | (0.20) | |||
| Maximum Drawdown | 10.33 | |||
| Value At Risk | (3.85) | |||
| Potential Upside | 3.3 |
Complementary Tools for Indian Stock analysis
When running Indian Overseas' price analysis, check to measure Indian Overseas' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Indian Overseas is operating at the current time. Most of Indian Overseas' value examination focuses on studying past and present price action to predict the probability of Indian Overseas' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Indian Overseas' price. Additionally, you may evaluate how the addition of Indian Overseas to your portfolios can decrease your overall portfolio volatility.
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