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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Indian Overseas Bank (the Bank) is engaged in the business of banking. The Bank's segments include Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank offers a comprehensive suite of financial products and services across retail,…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, fast-growing business, trading cheap versus its own history.
Indian Overseas Bank is scored on the bank / lender framework. It keeps a healthy 13.9% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 17%/yr and profit at 35%/yr. Book value has grown 14%/yr. Return on equity is a healthy 16.0%. In the latest quarter profit grew 15% versus the prior quarter.
At 11× earnings, the stock sits at the 2nd percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-2%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 8.83 | 8.26 | worse |
| P/B | 1.59 | 1.18 | worse |
| ROE | 15.97 | 13.72 | better |
| ROA | 1.23 | 1.09 | better |
| NIM | 2.92 | 2.6 | better |
| Net NPA | 0.21 | 0.41 | better |
| CASA | 40.99 | 39.04 | better |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 17% CAGR over 3 years — steady double-digit compounder.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (35% vs 17%) — margin expansion is at work. The latest year saw a +56% swing — check if it's a one-off or structural.
Operating margin has expanded from 10% to 17% — the business is keeping more of each rupee earned.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (35% vs 33%) — share dilution is eroding per-share value. 33% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Heavy investing spend every year, but operations generate enough to cover it — the business self-funds its growth.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Run-rate stepping up — recent quarters average 10% above earlier ones.
Profit jumped 15% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (14% → 18%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 92.4% — heavily owner-operated with strong skin in the game.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.