Indian Overseas Bank (NSE:IOB) EV-to-OCF: (As of Aug. 22, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:IOB Indian Overseas Bank NSE:IOB
58 GF Score
Price ₹33.01
GF Value ₹50.52
Valuation Significantly Undervalued
! 2 Warning Signs
View Full Analysis

What is Indian Overseas Bank EV-to-OCF?

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Indian Overseas Bank's Enterprise Value is ₹909,739 Mil. Indian Overseas Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was ₹0 Mil. Therefore, Indian Overseas Bank's EV-to-OCF for today is .

The historical rank and industry rank for Indian Overseas Bank's EV-to-OCF or its related term are showing as below:

NSE:IOB' s EV-to-OCF Range Over the Past 10 Years
Min: 19.29   Med: 0   Max: 19.29
Current: 19.29

During the past 13 years, the highest EV-to-OCF of Indian Overseas Bank was 19.29. The lowest was 19.29. And the median was .

NSE:IOB's EV-to-OCF is ranked worse than
88.03% of 1495 companies
in the Banks industry
Industry Median: 3.9 vs NSE:IOB: 19.29

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-08-22), Indian Overseas Bank's stock price is ₹33.01. Indian Overseas Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was ₹3.060. Therefore, Indian Overseas Bank's PE Ratio (TTM) for today is 10.79.


Indian Overseas Bank  (NSE:IOB) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Indian Overseas Bank's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=33.01/3.060
=10.79

Indian Overseas Bank's share price for today is ₹33.01.
Indian Overseas Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹3.060.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Indian Overseas Bank EV-to-OCF Related Terms


Indian Overseas Bank EV-to-OCF Historical Data

* Premium members only.

The historical data trend for Indian Overseas Bank's EV-to-OCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Indian Overseas Bank EV-to-OCF Chart

Indian Overseas Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EV-to-OCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.09 -3.12 -105.41 35.55 18.17

Indian Overseas Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-OCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 18.17 0.00

Indian Overseas Bank EV-to-OCF Competitor Comparison

For the Banks - Regional subindustry, Indian Overseas Bank's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Indian Overseas Bank EV-to-OCF vs Banks Industry

For the Banks industry and Financial Services sector, Indian Overseas Bank's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where Indian Overseas Bank's EV-to-OCF falls into.


NSE:IOB
58GF Score
Indian Overseas Bank NSE:IOB
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Indian Overseas Bank EV-to-OCF Calculation

Indian Overseas Bank's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=909739.100/0
=

Indian Overseas Bank's current Enterprise Value is ₹909,739 Mil.
Indian Overseas Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹0 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Is Indian Overseas Bank (NSE:IOB) Overvalued in 2026?

Based on GuruFocus' analysis, Indian Overseas Bank stock appears to be undervalued. The current stock price of ₹33.01 is trading 34.7% below its estimated GF Value™ of ₹50.52. GuruFocus considers Indian Overseas Bank to be Significantly Undervalued.

Key valuation signals for NSE:IOB:

  • EV-to-OCF:
  • GF Value™: ₹50.52 vs. price of ₹33.01 (34.7% below fair value)
  • GF Score™: 58/100 with 2 warning signs

No single metric tells the full story. See the NSE:IOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Indian Overseas Bank Business Description

Other Exchanges 532388:India
Address No. 763, Anna Salai, Central Office, Chennai, TN, IND, 600 002
Indian Overseas Bank is engaged in the banking sector. The bank is based in India and has branches in several Asian countries. The bank's business segments are Treasury Segment includes the entire investment portfolio and trading in foreign exchange contracts and derivative contracts; Corporate/Wholesale Banking segment comprises the lending activities of borrowers having exposure of seven Crores and above; Retail Banking include exposures which fulfil the four criteria of orientation, product, granularity, and low value of individual exposures for retail exposures; Digital Banking Segment as a sub-segment of Retail Banking Segment; and Other Banking Operations Segments which are not covered above. Majority of income comes from Retail Banking. It generates majority of income from Domestic.
58GF Score

Get the complete analysis for NSE:IOB

EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹33.01
Price
₹50.52
GF Value