Indian Overseas Bank (NSE:IOB) Moat Score: 0/10 (As of Jul. 03, 2026)


NSE:IOB Indian Overseas Bank NSE:IOB
59 GF Score
Price ₹34.46
GF Value ₹48.16
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Indian Overseas Bank Moat Score?

Indian Overseas Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Indian Overseas Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Indian Overseas Bank might have No Moat - No discernible moat.

Indian Overseas Bank  (NSE:IOB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Indian Overseas Bank Moat Score Related Terms

NSE:IOB
59GF Score
Indian Overseas Bank NSE:IOB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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 ₹34.46 is trading 28.4% below its estimated GF Value™ of ₹48.16. GuruFocus considers Indian Overseas Bank to be Modestly Undervalued.

Key valuation signals for NSE:IOB:

  • Moat Score: 0
  • GF Value™: ₹48.16 vs. price of ₹34.46 (28.4% 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

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

₹34.46
Price
₹48.16
GF Value