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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Indian Overseas Bank's Total Liabilities for the quarter that ended in Jun. 2026 was ₹4,415,433 Mil. Indian Overseas Bank's Total Assets for the quarter that ended in Jun. 2026 was ₹4,804,889 Mil.
Therefore, Indian Overseas Bank's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.92.
Indian Overseas Bank (NSE:IOB) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Indian Overseas Bank Liabilities-to-Assets Related Terms
Indian Overseas Bank Liabilities-to-Assets Historical Data
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The historical data trend for Indian Overseas Bank's Liabilities-to-Assets 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 Liabilities-to-Assets Competitor Comparison
For the Banks - Regional subindustry, Indian Overseas Bank's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Indian Overseas Bank's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Indian Overseas Bank's Liabilities-to-Assets falls into.
Indian Overseas Bank Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Indian Overseas Bank's Liabilities-to-Assets Ratio for the fiscal year that ended in Mar. 2026 is calculated as:
* 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 (NSE:IOB) has a Liabilities-to-Assets of 0.92 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Indian Overseas Bank and its competitors.
Is Indian Overseas Bank's Liabilities-to-Assets too high?
Indian Overseas Bank's current Liabilities-to-Assets is 0.92. Overall, Indian Overseas Bank has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Indian Overseas Bank's Liabilities-to-Assets compare to competitors?
Indian Overseas Bank's Liabilities-to-Assets of 0.92 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Indian Overseas Bank and its competitors. Indian Overseas Bank's current Liabilities-to-Assets is 0.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Indian Overseas Bank stock overvalued right now?
Based on GuruFocus' analysis, Indian Overseas Bank (NSE:IOB) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹50.55, compared to a current price of ₹33.01 — trading 34.7% below its estimated fair value. The current Liabilities-to-Assets is 0.92. Indian Overseas Bank's overall GF Score™ is 58/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Indian Overseas Bank (NSE:IOB), the current Liabilities-to-Assets is 0.92 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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 ₹50.55.
GuruFocus considers Indian Overseas Bank to be Significantly Undervalued.
Key valuation signals for NSE:IOB:
Liabilities-to-Assets: 0.92
GF Value™: ₹50.55 vs. price of ₹33.01 (34.7% below fair value)
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 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
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