IOB
Indian Overseas Bank
Each stock's 10,000-path forecast, rendered as light.
Indian Overseas Bank (IOB) Stock Analysis & Case Study
Is IOB a good buy? The data-driven verdict.
Indian Overseas Bank (IOB) trades at ₹34,on the numbers it worth a closer look, a Downstox Snapshot Score of 65/100.
On the numbers, Indian Overseas Bank (IOB) worth a closer look, a Downstox Snapshot Score of 65/100, weighing inexpensive at 11.1× earnings, ROE of 15.6%, a 57% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027-2031.
Last updated . Data snapshot for research, not investment advice.
IOB fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
How IOB ranks against the 2,373 companies in our screener
- IOB's market cap of 65,973 Cr ranks in the 93rd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- IOB's book value of ₹20 ranks in the 19th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- IOB's promoter holding of 92.4% ranks in the top 1% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- IOB's 3-year profit (PAT) growth of 37.0% ranks in the 76th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- IOB's 3-year revenue growth of 18.0% ranks in the 69th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
We do not hold a debt-to-equity ratio figure for IOB, as of 9 Aug 2026, so it is not ranked here.
Is IOB overvalued? IOB P/E vs peers
IOB trades at 11.1× earnings. We don't have a verified sector peer group for this stock yet, so no sector peer median or peer comparison table is shown here. Showing one anyway would compare it against an arbitrary set of large-cap names, not real sector peers.
IOB share price target 2027, 2028, 2029, 2030, 2031, a probability view
Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 9.8y of IOB history (2%/yr drift, 34%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| IOB 2027 | ₹23 | ₹37 | ₹57 | +7% |
| IOB 2028 | ₹21 | ₹39 | ₹73 | +14% |
| IOB 2029 | ₹20 | ₹42 | ₹88 | +21% |
| IOB 2030 | ₹19 | ₹44 | ₹105 | +29% |
| IOB 2031 | ₹18 | ₹47 | ₹126 | +38% |
Median (P50) is the central estimate; the P10-P90 band is the 80% confidence range. Probabilities, not promises.
What is the probability IOB goes up, or doubles?
The bull case for IOB
- IOB's P/E of 11.1x is lower than 84% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- IOB's return on equity of 15.6% ranks in the 73rd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹88.
The bear case & risks
- No model or past record guarantees future returns, treat this as one input, not a decision.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹20.
IOB volatility & expected range, how bumpy is the ride?
Over the last 9.8 years IOB compounded at 2%/year with annualized volatility of 34%. That volatility implies a 1-year 80% range of ₹23-₹57, the honest backbone behind any single price target.
IOB price forecast, the full 60-month probability fan
IOB price probability fan
Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.
Probability of key outcomes
What are the odds IOB hits common targets within the simulated horizon?
Full multi-horizon detail on the IOB price target & forecast page.
IOB Piotroski F-Score: 5/8, how financially strong is it?
The Piotroski F-Score grades financial strength on profitability, leverage and efficiency checks. Downstox scores the eight checks it can verify from published filings, so 8 is full marks. IOB scores 5/8, mixed financial health.
IOB MTF margin & leverage across 11 brokers
Margin Trading Facility lets you buy IOB with part of the capital. Lower margin % = higher leverage. Rates compared across 11 brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 30.35% | 3.3× |
| Zerodha | 30.34% | 3.3× |
| Groww | 30.46% | 3.3× |
| Dhan | 30.34% | 3.3× |
| Kotak NeoCHEAPEST | 30.30% | 3.3× |
| Paytm Money | 30.62% | 3.3× |
| Pocketful | 30.70% | 3.3× |
| Fyers | 31.25% | 3.2× |
| Anand Rathi | 30.34% | 3.3× |
| Bajaj Broking | 37.00% | 2.7× |
| Share India | 30.43% | 3.3× |
Compare every broker on the IOB MTF page.
About Indian Overseas Bank: sector, index & market-cap context
Indian Overseas Bank (IOB) is a mid-cap NSE-listed company, and a constituent of the Nifty 500 index, with a market capitalisation of ₹65,973 Cr. See more stocks on our screener.
How the IOB Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of Indian Overseas Bank's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
IOB analysis, FAQs
Is Indian Overseas Bank (IOB) a good buy?
On the numbers, Indian Overseas Bank (IOB) worth a closer look, a Downstox Snapshot Score of 65/100, weighing inexpensive at 11.1× earnings, ROE of 15.6%, a 57% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.
Is IOB overvalued or undervalued?
IOB trades at 11.1× earnings, inexpensive versus the ~22× long-run Nifty average.
What is the IOB share price target for 2031?
IOB's probability-weighted 2031 median target is ₹47, with an 80% range of ₹18-₹126 (10,000-path Monte-Carlo).
What is the probability IOB doubles in 5 years?
The modelled probability of IOB reaching ₹69 (2×) within 5 years is 32%.
What is the bull case for IOB?
IOB's P/E of 11.1x is lower than 84% of the 2,373 NSE companies in our screener, as of 9 Aug 2026. IOB's return on equity of 15.6% ranks in the 73rd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
What are the risks in IOB?
No model or past record guarantees future returns, treat this as one input, not a decision.