Indian Overseas Bank (NSE:IOB) EV-to-FCF: (As of Jul. 02, 2026)


NSE:IOB Indian Overseas Bank NSE:IOB
59 GF Score
Price ₹34.17
GF Value ₹48.14
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Indian Overseas Bank EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Indian Overseas Bank's Enterprise Value is ₹921,990 Mil. Indian Overseas Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₹0 Mil. Therefore, Indian Overseas Bank's EV-to-FCF for today is .

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

NSE:IOB' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 22.43
Current: 22.43

During the past 13 years, the highest EV-to-FCF of Indian Overseas Bank was 22.43. The lowest was 0.00. And the median was 0.00.

NSE:IOB's EV-to-FCF is ranked worse than
84.41% of 1193 companies
in the Banks industry
Industry Median: 6.65 vs NSE:IOB: 22.43

EV-to-FCF 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 (2026-07-02), Indian Overseas Bank's stock price is ₹34.17. Indian Overseas Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹2.780. Therefore, Indian Overseas Bank's PE Ratio (TTM) for today is 12.29.


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

EV-to-FCF 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)
=34.17/2.780
=12.29

Indian Overseas Bank's share price for today is ₹34.17.
Indian Overseas Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹2.780.

* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Indian Overseas Bank EV-to-FCF Related Terms


Indian Overseas Bank EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Indian Overseas Bank's EV-to-FCF 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-FCF Chart

Indian Overseas Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.10 -2.99 -79.47 46.04 21.01

Indian Overseas Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF 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 46.04 0.00 0.00 0.00 21.01

Indian Overseas Bank EV-to-FCF Competitor Comparison

For the Banks - Regional subindustry, Indian Overseas Bank's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry

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

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


NSE:IOB
59GF Score
Indian Overseas Bank NSE:IOB
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Indian Overseas Bank EV-to-FCF Calculation

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

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=921990.219/0
=

Indian Overseas Bank's current Enterprise Value is ₹921,990 Mil.
Indian Overseas Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 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 ₹34.17 is trading 29% below its estimated GF Value™ of ₹48.14. GuruFocus considers Indian Overseas Bank to be Modestly Undervalued.

Key valuation signals for NSE:IOB:

  • EV-to-FCF:
  • GF Value™: ₹48.14 vs. price of ₹34.17 (29% below fair value)
  • GF Score™: 59/100 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.
59GF Score

Get the complete analysis for NSE:IOB

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

₹34.17
Price
₹48.14
GF Value