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Indian Overseas BankNSE:IOB +3.40%60 Return-on-Tangible-Asset is 1.44% as of Jun. 2026, which is 227% above its 10-year median of 0.44. GuruFocus rates NSE:IOB with a GF Score™ of 60/100 and a GF Value™ of ₹49.17 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, Indian Overseas Bank ranks better than 66.34% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Indian Overseas Bank's annualizedNet Income for the quarter that ended in Jun. 2026 was ₹68,652 Mil. Indian Overseas Bank's average total tangible assets for the quarter that ended in Jun. 2026 was ₹4,766,420 Mil. Therefore, Indian Overseas Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 1.44%.
The historical rank and industry rank for Indian Overseas Bank's Return-on-Tangible-Asset or its related term are showing as below:
NSE:IOB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -3.34 Med: 0.44 Max: 1.33
Current: 1.33
During the past 13 years, Indian Overseas Bank's highest Return-on-Tangible-Asset was 1.33%. The lowest was -3.34%. And the median was 0.44%.
NSE:IOB's Return-on-Tangible-Asset is ranked better than 66.34% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs NSE:IOB: 1.33
Indian Overseas Bank (NSE:IOB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Indian Overseas Bank Return-on-Tangible-Asset Related Terms
Indian Overseas Bank Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Indian Overseas Bank's Return-on-Tangible-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 Return-on-Tangible-Asset Chart
Indian Overseas Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Indian Overseas Bank's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Indian Overseas Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Indian Overseas Bank's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.44% mean?
Indian Overseas Bank (NSE:IOB) has a Return-on-Tangible-Asset of 1.44% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Indian Overseas Bank and its competitors. This is 227% above median its historical median of 0.44. According to the industry distribution chart, Indian Overseas Bank ranks #514 out of 1527 companies in the Banks industry, placing it in the top 33.7%.
Is Indian Overseas Bank's Return-on-Tangible-Asset too high?
Indian Overseas Bank's current Return-on-Tangible-Asset of 1.44% is 227% above median its 10-year median of 0.44. The Banks industry median Return-on-Tangible-Asset is 0.99. Indian Overseas Bank's value of 1.44% is 45.5% above this industry median. Based on the distribution chart, Indian Overseas Bank ranks #514 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Indian Overseas Bank has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Indian Overseas Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Indian Overseas Bank ranks #514 out of 1527 companies for Return-on-Tangible-Asset. This puts Indian Overseas Bank in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Indian Overseas Bank's value of 1.44% is 45.5% above this benchmark. While the company's 10-year median is 0.44 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Indian Overseas Bank's current Return-on-Tangible-Asset of 1.44% is 45.5% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Indian Overseas Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indian Overseas Bank's current Return-on-Tangible-Asset is 1.44%, which is 227% above median its own 10-year median of 0.44. 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 ₹49.17, compared to a current price of ₹35.00 — trading 28.8% below its estimated fair value. The current Return-on-Tangible-Asset is 1.44%, which is 227% above median its 10-year median of 0.44 and 45.5% above the Banks industry median of 0.99. Indian Overseas Bank's overall GF Score™ is 60/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Indian Overseas Bank (NSE:IOB), the current Return-on-Tangible-Asset is 1.44% 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 ₹35.00 is trading 28.8% below its estimated GF Value™ of ₹49.17.
GuruFocus considers Indian Overseas Bank to be Modestly Undervalued.
Key valuation signals for NSE:IOB:
Return-on-Tangible-Asset: 1.44% (227% above median its 10-year median of 0.44)
GF Value™: ₹49.17 vs. price of ₹35.00 (28.8% below fair value)
Industry Position: 45.5% above the Banks median (#514 of 1527)
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.
60GF Score
Get the complete analysis for NSE:IOB
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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