Indian Overseas Bank (NSE:IOB) Scaled Net Operating Assets: 0.14 (As of Mar. 2026)


NSE:IOB Indian Overseas Bank NSE:IOB
62 GF Score
Price ₹34.01
GF Value ₹48.08
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Indian Overseas Bank Scaled Net Operating Assets?

Indian Overseas Bank NSE:IOB -1.33% 62 Scaled Net Operating Assets is 0.14 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Indian Overseas Bank's operating assets for the quarter that ended in Mar. 2026 was ₹4,475,726 Mil. Indian Overseas Bank's operating liabilities for the quarter that ended in Mar. 2026 was ₹3,842,020 Mil. Indian Overseas Bank's Total Assets for the quarter that ended in Dec. 2025 was ₹4,475,416 Mil. Therefore, Indian Overseas Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.14.

NSE:IOB
62GF Score
Indian Overseas Bank NSE:IOB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Indian Overseas Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Indian Overseas Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(4475726.188-3842019.532)/3947099.931
=0.16

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4727951.927 - 252225.739
=4475726.188

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4358045.252 - 516025.72 - 0
=3842019.532

Indian Overseas Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(4475726.188-3842019.532)/4475416.2
=0.14

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4727951.927 - 252225.739
=4475726.188

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4358045.252 - 516025.72 - 0
=3842019.532

* 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.

What does a Scaled Net Operating Assets of 0.14 mean?
Indian Overseas Bank (NSE:IOB) has a Scaled Net Operating Assets of 0.14 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Indian Overseas Bank and its competitors.
Is Indian Overseas Bank's Scaled Net Operating Assets too high?
Indian Overseas Bank's current Scaled Net Operating Assets is 0.14. 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 Scaled Net Operating Assets compare to competitors?
Indian Overseas Bank's Scaled Net Operating Assets of 0.14 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Indian Overseas Bank and its competitors. Indian Overseas Bank's current Scaled Net Operating Assets is 0.14. 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 ₹34.01 — trading 29.3% below its estimated fair value. The current Scaled Net Operating Assets is 0.14. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Indian Overseas Bank (NSE:IOB), the current Scaled Net Operating Assets is 0.14 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 ₹34.01 is trading 29.3% below its estimated GF Value™ of ₹48.08. GuruFocus considers Indian Overseas Bank to be Modestly Undervalued.

Key valuation signals for NSE:IOB:

  • Scaled Net Operating Assets: 0.14
  • GF Value™: ₹48.08 vs. price of ₹34.01 (29.3% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹34.01
Price
₹48.08
GF Value