Indian Overseas Bank (NSE:IOB) Altman Z-Score


NSE:IOB Indian Overseas Bank NSE:IOB
62 GF Score
Price ₹34.47
GF Value ₹48.08
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Indian Overseas Bank Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

NSE:IOB
62GF Score
Indian Overseas Bank NSE:IOB
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Altman Z-Score:
  • GF Value™: ₹48.08 vs. price of ₹34.47 (28.3% 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

Get the complete analysis for NSE:IOB

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

₹34.47
Price
₹48.08
GF Value