Indian Overseas Bank (NSE:IOB) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:IOB Indian Overseas Bank NSE:IOB
61 GF Score
Price ₹33.68
GF Value ₹48.39
Valuation Significantly Undervalued
! 2 Warning Signs
View Full Analysis

What is Indian Overseas Bank ROC (Joel Greenblatt) %?

Indian Overseas Bank NSE:IOB -1.38% 61 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates NSE:IOB with a GF Score™ of 61/100 and a GF Value™ of ₹48.39 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 46 Banks companies, Indian Overseas Bank ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

NSE:IOB
61GF Score
Indian Overseas Bank NSE:IOB
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a ROC (Joel Greenblatt) % of % mean?
Indian Overseas Bank (NSE:IOB) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Indian Overseas Bank and its competitors. According to the industry distribution chart, Indian Overseas Bank ranks #999999 out of 46 companies in the Banks industry.
Is Indian Overseas Bank's ROC (Joel Greenblatt) % too high?
Indian Overseas Bank's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Indian Overseas Bank ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Indian Overseas Bank has a GF Score™ of 61/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Indian Overseas Bank's ROC (Joel Greenblatt) % compare to competitors?
According to the Banks industry distribution chart, Indian Overseas Bank ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Indian Overseas Bank in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Indian Overseas Bank and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indian Overseas Bank's current ROC (Joel Greenblatt) % is %. 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 ₹48.39, compared to a current price of ₹33.68 — trading 30.4% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. Indian Overseas Bank's overall GF Score™ is 61/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Indian Overseas Bank (NSE:IOB), the current ROC (Joel Greenblatt) % is % 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 ₹33.68 is trading 30.4% below its estimated GF Value™ of ₹48.39. GuruFocus considers Indian Overseas Bank to be Significantly Undervalued.

Key valuation signals for NSE:IOB:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: ₹48.39 vs. price of ₹33.68 (30.4% below fair value)
  • GF Score™: 61/100 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.
61GF Score

Get the complete analysis for NSE:IOB

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹33.68
Price
₹48.39
GF Value