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


NSE:IOB Indian Overseas Bank NSE:IOB
62 GF Score
Price ₹34.95
GF Value ₹48.00
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Indian Overseas Bank ROC %?

Indian Overseas Bank NSE:IOB -1.22% 62 ROC % is % as of Mar. 2026. GuruFocus rates NSE:IOB with a GF Score™ of 62/100 and a GF Value™ of ₹48.00 (Modestly Undervalued). The stock has 2 warning signs investors should review.

ROC %does not apply to banks.

NSE:IOB
62GF Score
Indian Overseas Bank NSE:IOB
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Indian Overseas Bank (NSE:IOB) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Indian Overseas Bank and its competitors.
Is Indian Overseas Bank's ROC % too high?
Indian Overseas Bank's current ROC % is %. 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 ROC % compare to competitors?
Indian Overseas Bank's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Indian Overseas Bank and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indian Overseas Bank's current ROC % 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 Modestly Undervalued. The stock's GF Value™ is ₹48.00, compared to a current price of ₹34.95 — trading 27.2% below its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Indian Overseas Bank (NSE:IOB), the current ROC % 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 ₹34.95 is trading 27.2% below its estimated GF Value™ of ₹48.00. GuruFocus considers Indian Overseas Bank to be Modestly Undervalued.

Key valuation signals for NSE:IOB:

  • ROC %: %
  • GF Value™: ₹48.00 vs. price of ₹34.95 (27.2% below fair value)
  • GF Score™: 62/100 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.
62GF Score

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

₹34.95
Price
₹48.00
GF Value