Indian Overseas BankNSE:IOB +0.85%59 PEG Ratio is 0.98 as of Jul. 03, 2026, which is 28% below its 10-year median of 1.36. GuruFocus rates NSE:IOB with a GF Score™ of 59/100 and a GF Value™ of ₹48.16 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,228 Banks companies, Indian Overseas Bank ranks better than 69.14% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Indian Overseas Bank's PEG Ratio or its related term are showing as below:
NSE:IOB'
s PEG Ratio Range Over the Past 10 Years
Min: 0.93 Med: 1.36 Max: 1.95
Current: 0.96
During the past 13 years, Indian Overseas Bank's highest PEG Ratio was 1.95. The lowest was 0.93. And the median was 1.36.
NSE:IOB's PEG Ratio is ranked better than 69.14% of 1228
companies
in the Banks industry
Industry Median: 1.53
vs NSE:IOB: 0.96
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Indian Overseas Bank (NSE:IOB) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Indian Overseas Bank PEG Ratio Related Terms
Indian Overseas Bank PEG Ratio Historical Data
* Premium members only.
The historical data trend for Indian Overseas Bank's PEG Ratio 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 PEG Ratio Competitor Comparison
For the Banks - Regional subindustry, Indian Overseas Bank's PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Indian Overseas Bank's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Indian Overseas Bank's PEG Ratio falls into.
* 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Indian Overseas Bank (NSE:IOB) has a PEG Ratio of 0.98 as of Jul. 03, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Indian Overseas Bank and its competitors. This is 28% below median its historical median of 1.36. Over the past decade, Indian Overseas Bank's PEG Ratio has ranged from 0.93 to 1.95. According to the industry distribution chart, Indian Overseas Bank ranks #379 out of 1228 companies in the Banks industry, placing it in the top 30.9%.
Is Indian Overseas Bank's PEG Ratio too high?
Indian Overseas Bank's current PEG Ratio of 0.98 is 28% below median its 10-year median of 1.36. Over the past 10 years, this metric has ranged from a low of 0.93 to a high of 1.95. The Banks industry median PEG Ratio is 1.53. Indian Overseas Bank's value of 0.98 is 35.9% below this industry median. Based on the distribution chart, Indian Overseas Bank ranks #379 out of 1228 companies in the Banks industry, which is above the industry midpoint. 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 PEG Ratio compare to competitors?
According to the Banks industry distribution chart, Indian Overseas Bank ranks #379 out of 1228 companies for PEG Ratio. This puts Indian Overseas Bank in the upper half of its industry. The industry median PEG Ratio is 1.53. Indian Overseas Bank's value of 0.98 is 35.9% below this benchmark. Historically, Indian Overseas Bank's own PEG Ratio has ranged from 0.93 to 1.95 over the past decade. While the company's 10-year median is 1.36 vs. the industry median of 1.53, Indian Overseas Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.53, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Indian Overseas Bank's current PEG Ratio of 0.98 is 35.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Indian Overseas Bank and its competitors. For the Banks industry, the median PEG Ratio is 1.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indian Overseas Bank's current PEG Ratio is 0.98, which is 28% below median its own 10-year median of 1.36. 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 ₹48.16, compared to a current price of ₹34.46 — trading 28.4% below its estimated fair value. The current PEG Ratio is 0.98, which is 28% below median its 10-year median of 1.36 and 35.9% below the Banks industry median of 1.53. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Indian Overseas Bank (NSE:IOB), the current PEG Ratio is 0.98 as of Jul. 03, 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 ₹34.46 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:
PEG Ratio: 0.98 (28% below median its 10-year median of 1.36)
GF Value™: ₹48.16 vs. price of ₹34.46 (28.4% below fair value)
Industry Position: 35.9% below the Banks median (#379 of 1228)
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.
59GF Score
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