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INDIAN OVERSEAS BANK vs SBI - Comparison Results

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Current Valuations

    INDIAN OVERSEAS BANK SBI INDIAN OVERSEAS BANK/
SBI
 
P/E (TTM) x 45.2 10.4 435.2% View Chart
P/BV x 4.6 1.9 243.6% View Chart
Dividend Yield % 0.0 1.5 -  

Financials

 INDIAN OVERSEAS BANK   SBI
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-23
SBI
Mar-23
INDIAN OVERSEAS BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs37630 5.8%   
Low Rs15431 3.5%   
Income per share (Unadj.) Rs10.3393.1 2.6%  
Earnings per share (Unadj.) Rs1.162.4 1.8%  
Cash flow per share (Unadj.) Rs2.6254.7 1.0%  
Dividends per share (Unadj.) Rs011.30 0.0%  
Avg Dividend yield %02.1 0.0%  
Book value per share (Unadj.) Rs13.2402.2 3.3%  
Shares outstanding (eoy) m18,902.418,924.61 211.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.51.3 187.6%   
Avg P/E ratio x23.38.5 274.4%  
Avg P/CF ratio x8.35.1 161.7%  
Avg Price/Bookvalue ratio x2.01.3 149.7%  
Dividend payout %018.1 0.0%   
Avg Mkt Cap Rs m490,9904,732,052 10.4%   
No. of employees `000NANA-   
Total wages & salary Rs m41,024619,209 6.6%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m194,0703,508,446 5.5%  
Other income Rs m41,1641,225,336 3.4%   
Interest expense Rs m111,4631,899,808 5.9%   
Net interest income Rs m82,6071,608,638 5.1%  
Operating expense Rs m64,2981,898,145 3.4%   
Gross profit Rs m18,309-289,507 -6.3%  
Gross profit margin %9.4-8.3 -114.3%  
Provisions/contingencies Rs m38,433370,244 10.4%   
Profit before tax Rs m23,534753,983 3.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-21,017 -0.0%   
Prior Period Items Rs m011,915 0.0%   
Tax Rs m2,495188,399 1.3%   
Profit after tax Rs m21,040556,482 3.8%  
Net profit margin %10.815.9 68.4%  
BALANCE SHEET DATA
Advances Rs m1,780,67732,679,021 5.4%   
Deposits Rs m2,609,73644,685,355 5.8%  
Credit/Deposit ratio x68.273.1 93.3%  
Yield on advances %7.47.0 105.5%   
Cost of deposits %4.03.7 110.3%   
Net Interest Margin %3.03.1 97.9%  
Net fixed assets Rs m37,107440,238 8.4%   
Share capital Rs m189,0248,925 2,118.0%   
Free reserves Rs m59,7363,580,389 1.7%   
Net worth Rs m248,7603,589,313 6.9%   
Borrowings Rs m208,0385,211,520 4.0%   
Investments Rs m936,42519,131,079 4.9%   
Total assets Rs m3,134,49959,544,183 5.3%  
Debt/equity ratio x11.313.9 81.5%   
Return on assets %0.70.9 71.8%  
Return on equity %8.515.5 54.6%  
Capital adequacy ratio %16.114.7 109.7%  
Net NPAs %1.80.7 273.1%  
CASH FLOW
From Operations Rs m-155,835-860,137 18.1%  
From Investments Rs m-5,596-40,410 13.8%  
From Financial Activity Rs m12763,864 0.2%  
Net Cashflow Rs m-161,304-805,932 20.0%  

Share Holding

Indian Promoters % 96.4 57.5 167.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.3 35.1 3.8%  
FIIs % 0.0 10.9 0.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 3.6 42.5 8.5%  
Shareholders   727,348 3,047,685 23.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN OVERSEAS BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    KOTAK MAHINDRA BANK    PNB    


More on Indian Overseas Bank vs SBI

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

Indian Overseas Bank vs SBI Share Price Performance

Period Indian Overseas Bank SBI S&P BSE BANKEX
1-Day 5.41% 2.53% 0.82%
1-Month -5.06% 1.38% 2.48%
1-Year 183.33% 48.12% 19.28%
3-Year CAGR 55.67% 27.74% 12.00%
5-Year CAGR 33.40% 18.77% 9.40%

* Compound Annual Growth Rate

Here are more details on the Indian Overseas Bank share price and the SBI share price.

Moving on to shareholding structures...

The promoters of Indian Overseas Bank hold a 96.4% stake in the company. In case of SBI the stake stands at 57.5%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Indian Overseas Bank and the shareholding pattern of SBI.

Finally, a word on dividends...

In the most recent financial year, Indian Overseas Bank paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

SBI paid Rs 11.3, and its dividend payout ratio stood at 18.1%.

You may visit here to review the dividend history of Indian Overseas Bank, and the dividend history of SBI.

For a sector overview, read our banking sector report.



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