Indian Overseas BankNSE:IOB -1.23%62 Pretax Margin % is 34.85% as of Mar. 2026, which is 218% above its 10-year median of 10.95. GuruFocus rates NSE:IOB with a GF Score™ of 62/100 and a GF Value™ of ₹48.08 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,530 Banks companies, Indian Overseas Bank ranks worse than 51.05% on this metric.
The historical rank and industry rank for Indian Overseas Bank's Pretax Margin % or its related term are showing as below:
NSE:IOB'
s Pretax Margin % Range Over the Past 10 Years
Min: -102.97 Med: 10.95 Max: 35.17
Current: 34.43
NSE:IOB's Pretax Margin % is ranked worse than 51.05% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs NSE:IOB: 34.43
Indian Overseas Bank (NSE:IOB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Indian Overseas Bank Pretax Margin % Related Terms
Indian Overseas Bank Pretax Margin % Historical Data
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The historical data trend for Indian Overseas Bank's Pretax Margin % 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 Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Indian Overseas Bank's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Indian Overseas Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Indian Overseas Bank's Pretax Margin % 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.
Indian Overseas Bank (NSE:IOB) has a Pretax Margin % of 34.85% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Indian Overseas Bank and its competitors. This is 218% above median its historical median of 10.95. According to the industry distribution chart, Indian Overseas Bank ranks #781 out of 1530 companies in the Banks industry, placing it in the top 51%.
Is Indian Overseas Bank's Pretax Margin % too high?
Indian Overseas Bank's current Pretax Margin % of 34.85% is 218% above median its 10-year median of 10.95. The Banks industry median Pretax Margin % is 34.72. Indian Overseas Bank's value of 34.85% is 0.4% above this industry median. Based on the distribution chart, Indian Overseas Bank ranks #781 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Indian Overseas Bank has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Indian Overseas Bank's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Indian Overseas Bank ranks #781 out of 1530 companies for Pretax Margin %. This places Indian Overseas Bank in the lower half of its industry. The industry median Pretax Margin % is 34.72. Indian Overseas Bank's value of 34.85% is 0.4% above this benchmark. While the company's 10-year median is 10.95 vs. the industry median of 34.72, Indian Overseas Bank has consistently been above 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Indian Overseas Bank's current Pretax Margin % of 34.85% is 0.4% above 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Indian Overseas Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indian Overseas Bank's current Pretax Margin % is 34.85%, which is 218% above median its own 10-year median of 10.95. 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 ₹48.08, compared to a current price of ₹34.47 — trading 28.3% below its estimated fair value. The current Pretax Margin % is 34.85%, which is 218% above median its 10-year median of 10.95 and 0.4% above the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Indian Overseas Bank (NSE:IOB), the current Pretax Margin % is 34.85% 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 ₹34.47 is trading 28.3% below its estimated GF Value™ of ₹48.08.
GuruFocus considers Indian Overseas Bank to be Modestly Undervalued.
Key valuation signals for NSE:IOB:
Pretax Margin %: 34.85% (218% above median its 10-year median of 10.95)
GF Value™: ₹48.08 vs. price of ₹34.47 (28.3% below fair value)
Industry Position: 0.4% above the Banks median (#781 of 1530)
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
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