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 ₹35,on the numbers it mixed signals, a Downstox Snapshot Score of 51/100.
On the numbers, Indian Overseas Bank (IOB) mixed signals, a Downstox Snapshot Score of 51/100, weighing inexpensive at 12.6× earnings, ROE of 15.6%, a 14% 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
Is IOB overvalued? IOB P/E vs its sector
IOB's P/E of 12.6× sits below the sector peer median of 14.7×, so on earnings it screens cheaper than 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 2.0y of IOB history (-32%/yr drift, 35%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| IOB 2027 | ₹15 | ₹24 | ₹37 | -32% |
| IOB 2028 | ₹9 | ₹16 | ₹30 | -53% |
| IOB 2029 | ₹5 | ₹11 | ₹24 | -68% |
| IOB 2030 | ₹3 | ₹8 | ₹19 | -79% |
| IOB 2031 | ₹2 | ₹5 | ₹14 | -85% |
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
- Trades at just 12.6× earnings, below the ~22× long-run Nifty average, so the valuation leaves room rather than pricing in perfection.
- A healthy 15.6% return on equity.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹24.
The bear case & risks
- A low Piotroski F-Score of 3/9 flags weaker financial health this cycle, worth understanding why before committing.
- The probability model is cautious 12 months out, only a 14% chance of finishing above today's price.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹5.
IOB volatility & expected range, how bumpy is the ride?
Over the last 2.0 years IOB compounded at -32%/year with annualized volatility of 35%. That volatility implies a 1-year 80% range of ₹15–₹37, 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: 3/9, how financially strong is it?
The Piotroski F-Score grades financial strength on nine profitability, leverage and efficiency checks. IOB scores 3/9,weak on the financial-strength checks.
IOB MTF margin & leverage, Upstox, Zerodha, Groww, Dhan
Margin Trading Facility lets you buy IOB with part of the capital. Lower margin % = higher leverage. Rates compared across brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| UpstoxCHEAPEST | 31.1% | 3.2× |
| ZerodhaCHEAPEST | 31.1% | 3.2× |
| DhanCHEAPEST | 31.1% | 3.2× |
Compare every broker on the IOB MTF page.
IOB vs peers,sector comparison
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 100 index group, with a market capitalisation of ₹68,072 Cr. See more Nifty 100 stocks.
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) mixed signals, a Downstox Snapshot Score of 51/100, weighing inexpensive at 12.6× earnings, ROE of 15.6%, a 14% 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 12.6× earnings versus a peer median of 14.7×, so it screens cheaper than its sector peers.
What is the IOB share price target for 2031?
IOB's probability-weighted 2031 median target is ₹5, with an 80% range of ₹2–₹14 (10,000-path Monte-Carlo).
What is the probability IOB doubles in 5 years?
The modelled probability of IOB reaching ₹70 (2×) within 5 years is 0%.
What is the bull case for IOB?
Trades at just 12.6× earnings, below the ~22× long-run Nifty average, so the valuation leaves room rather than pricing in perfection. A healthy 15.6% return on equity.
What are the risks in IOB?
A low Piotroski F-Score of 3/9 flags weaker financial health this cycle, worth understanding why before committing. The probability model is cautious 12 months out, only a 14% chance of finishing above today's price.