Indian Overseas Bank (NSE:IOB) LT-Debt-to-Total-Asset: 0.11 (As of Mar. 2026)


NSE:IOB Indian Overseas Bank NSE:IOB
59 GF Score
Price ₹34.37
GF Value ₹48.17
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Indian Overseas Bank LT-Debt-to-Total-Asset?

Indian Overseas Bank NSE:IOB -0.26% 59 LT-Debt-to-Total-Asset is 0.11 as of Mar. 2026. GuruFocus rates NSE:IOB with a GF Score™ of 59/100 and a GF Value™ of ₹48.17 (Modestly Undervalued). The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Indian Overseas Bank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.11.

Indian Overseas Bank's long-term debt to total assets ratio increased from Mar. 2025 (0.10) to Mar. 2026 (0.11). It may suggest that Indian Overseas Bank is progressively becoming more dependent on debt to grow their business.

Indian Overseas Bank  (NSE:IOB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Indian Overseas Bank LT-Debt-to-Total-Asset Related Terms

Indian Overseas Bank LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Indian Overseas Bank's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Indian Overseas Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.01 0.07 0.07 0.10 0.11

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
LT-Debt-to-Total-Asset 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 0.10 0.10 0.11 0.11 0.11
NSE:IOB
59GF Score
Indian Overseas Bank NSE:IOB
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Indian Overseas Bank LT-Debt-to-Total-Asset Calculation

Indian Overseas Bank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )/Total Assets (A: Mar. 2026 )
=516025.72/4727951.927
=0.11

Indian Overseas Bank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=516025.72/4727951.927
=0.11

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.11 mean?
Indian Overseas Bank (NSE:IOB) has a LT-Debt-to-Total-Asset of 0.11 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Indian Overseas Bank and its competitors.
Is Indian Overseas Bank's LT-Debt-to-Total-Asset too high?
Indian Overseas Bank's current LT-Debt-to-Total-Asset is 0.11. Overall, Indian Overseas Bank has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Indian Overseas Bank's LT-Debt-to-Total-Asset compare to competitors?
Indian Overseas Bank's LT-Debt-to-Total-Asset of 0.11 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 LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Indian Overseas Bank and its competitors. Indian Overseas Bank's current LT-Debt-to-Total-Asset is 0.11. 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 Modestly Undervalued. The stock's GF Value™ is ₹48.17, compared to a current price of ₹34.37 — trading 28.6% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.11. Indian Overseas Bank's overall GF Score™ is 59/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Indian Overseas Bank (NSE:IOB), the current LT-Debt-to-Total-Asset is 0.11 as of Mar. 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 ₹34.37 is trading 28.6% below its estimated GF Value™ of ₹48.17. GuruFocus considers Indian Overseas Bank to be Modestly Undervalued.

Key valuation signals for NSE:IOB:

  • LT-Debt-to-Total-Asset: 0.11
  • GF Value™: ₹48.17 vs. price of ₹34.37 (28.6% 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

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹34.37
Price
₹48.17
GF Value