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Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax. Indian Overseas Bank's Net Income for the
three
months ended in Jun. 2026 was ₹17,163 Mil. Its Net Income for the trailing twelve months (TTM) ended in Jun. 2026 was ₹59,584 Mil.
Indian Overseas Bank (NSE:IOB) Net Income Explanation
Net Income is the most widely cited number in reporting a company's profitability. It is linked to the most popular earnings-per-share (EPS) number through:
Indian Overseas Bank's Earnings per Share (Diluted) (EPS) for the quarter that ended in Jun. 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.
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
EPS is most useful for companies that have:
A predictable business
Consistent accounting methods
And few restructurings
The dividend paid to preferred stocks needs to be subtracted from the total net income in the calculation of EPS because common stock holders are not entitled to that part of the net income.
Be Aware
Warren Buffett looks for consistency and upward long term trend. Because of share repurchase it is possible for net earnings trend to differ from EPS trend. He preferred Net Income over EPS. The companies with durable competitive advantage companies report higher % net earnings to total revenues.
Important: If a company is showing net earnings history greater than 20% on total revenues, it is probably benefiting from a long term competitive advantage.
If net earnings is less than 10%, likely to be in a highly competitive business.
Indian Overseas Bank Net Income Related Terms
Indian Overseas Bank Net Income Historical Data
* Premium members only.
The historical data trend for Indian Overseas Bank's Net Income 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.
Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax.
Net Income 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 ₹59,584 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.
Indian Overseas Bank (NSE:IOB) has a Net Income of ₹59,584 Mil as of Jun. 2026. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Indian Overseas Bank and its competitors.
Is Indian Overseas Bank's Net Income too high?
Indian Overseas Bank's current Net Income is ₹59,584 Mil. Overall, Indian Overseas Bank has a GF Score™ of 62/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Indian Overseas Bank's Net Income compare to competitors?
Indian Overseas Bank's Net Income of ₹59,584 Mil 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 Net Income for a Banks company?
A good Net Income depends on the Banks industry context. However, Net Income 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 Net Income mean?
A high Net Income can signal that a stock is expensive relative to its fundamentals. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Indian Overseas Bank and its competitors. Indian Overseas Bank's current Net Income is ₹59,584 Mil. 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 ₹50.32, compared to a current price of ₹33.88 — trading 32.7% below its estimated fair value. The current Net Income is ₹59,584 Mil. Indian Overseas Bank's overall GF Score™ is 62/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Income calculated?
Net Income is calculated from a company's financial statements. For Indian Overseas Bank (NSE:IOB), the current Net Income is ₹59,584 Mil 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 ₹33.88 is trading 32.7% below its estimated GF Value™ of ₹50.32.
GuruFocus considers Indian Overseas Bank to be Significantly Undervalued.
Key valuation signals for NSE:IOB:
Net Income: ₹59,584 Mil
GF Value™: ₹50.32 vs. price of ₹33.88 (32.7% 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.
62GF Score
Get the complete analysis for NSE:IOB
Net Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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