The evidence leans constructive4 supporting, 2 against, 1 worth knowing
Supporting
matches near a 52-week low, which has beaten the market by +0.45 points over 20 sessions across 47,393 past signals
revenue grew 23% year on year in the quarter ending 2026-06-30
net margin has widened from 13.3% to 15.2% across four quarters
priced at 11× earnings against an industry median of 17× — 36% below its peers
Against
trading 5% below its 200-day average
down 17% over twelve months
Worth knowing
the 6 scans it matches come from only 2 families — one signal wearing several hats rather than several signals
IOB sits in Public sector banks — worth checking whether the whole group is moving together or whether this name is doing it alone.
What would change this read: a close back above 35, its 200-day average.
Assembled automatically from the figures on this page — the scans matched, their measured record, the filed financials, the derivatives positioning and the peer comparison. It is not a recommendation, no one has spoken to the company, and every claim above can be checked against a number further down this page.
What is working, what is not
read from the filings, with the figure behind every line
Working3
Net profit +49.3% year on year, Rs 1,112 cr to Rs 1,659 cr.
+49.3%Rs 1,112 crRs 1,659 cr
Profit rose year on year in all 4 of the last 4 quarters.
4
Revenue +23.3% year on year, Rs 8,868 cr to Rs 10,938 cr.
+23.3%Rs 8,868 crRs 10,938 cr
Needs watching
Nothing in the filings stands out either way.
Every figure here is computed from the company’s own filings. The wording is generated directly from the figures.
How it has performed
price return over each window, measured against zero
What the scans say today
6 of 47 matched on 2026-08-21
IOB matches 6 of the 47 scans today, across 2 different kinds of evidence. Note how few kinds of evidence that is: several scans in one family are one signal wearing several hats, not several signals.
IOB trades at 11× trailing earnings, below its median of 19× over this window — 43% less expensive than usual. The band runs from the 5th to the 95th percentile, so single-day spikes do not set the edges.
This window is short by the standards of valuation history — it begins where four quarters of filed earnings first exist. A stock can look cheap against two years and expensive against ten.
Other filing filings were typically -0.08pt vs the market over the next 5 sessions (n=12,093) · Credit rating filings were typically +0.58pt vs the market over the next 5 sessions (n=266) · Analyst call filings were typically +0.14pt vs the market over the next 5 sessions (n=3,352)
The business
from the company’s filed results
Everything below is taken from the company’s own quarterly filing with the exchange — the XBRL document it submitted, not a vendor’s summary of it. Figures in rupees crore.
RevenueNet profit, drawn inside its revenue barNet margin, own scale belowrupees crore, per quarter as filed. Revenue bars start at zero.
Going for it
revenue grew 23% against the same quarter a year earlier
profit rose 49% year on year
net margin narrowed from 15.4% to 15.2%
revenue rose in 4 of the last 4 quarters
Going against it
nothing clear in the filed numbers
Quarter-by-quarter numbers, as filed
Quarter
Revenue
Profit before tax
Net profit
EPS
Net margin
Q1 FY27
2026-06-30 · consolidated
10,938
1,859
1,659
0.89
15.2%
Q4 FY26
2026-03-31 · consolidated
9,780
1,659
1,505
0.81
15.4%
Q3 FY26
2025-12-31 · consolidated
9,672
1,367
1,365
0.71
14.1%
Q2 FY26
2025-09-30 · consolidated
9,216
1,729
1,228
0.65
13.3%
Q1 FY26
2025-06-30 · consolidated
8,868
1,515
1,112
0.61
12.5%
Q4 FY25
2025-03-31 · consolidated
9,258
1,595
1,092
0.58
11.8%
Quarterly filings are unaudited unless stated. Consolidated figures are used where the company files both. A single quarter is a noisy thing — the trend across the column is worth more than the top row.
Where the price stands
the same figures every scan on this site is computed from
Trend
Distance from the averages traders watch. Above all of them is a bull phase; below the 200-day is the line most investors use to say otherwise.
Versus 50-day average-3.3%
Versus 200-day average-5.0%
Below 52-week high-19.3%
Above 52-week low+5.2%
Momentum
How hard it has been pushed lately. Above 70 on RSI is stretched, below 30 is washed out — neither is a signal on its own.
RSI (14)34.3
Higher closes in last 51 of 5
Six-month return−10.27%
Risk and liquidity
What a position costs to hold and to exit. Position sizing starts with the daily swing, not with conviction.
Typical daily swing (ATR)1.66%
Volume versus 20-day1.1x
Median daily turnoverRs 7.3 cr
Peers
Financial Services · 116 classified companies
IOB trades at 11.0× trailing earnings against an industry median of 17.2× across 98 other classified companies in its industry — cheaper than them, by 36%. A multiple is a statement about expectations, not about quality: cheap usually means the market expects less, and it is often right.
largest twelve by market capitalisation. Market cap and P/E need filed financials, so blanks are companies whose filings have not been read yet
Recent sessions
what this stock has matched since the engine went live
This is the live record, not the backtest — the scans this stock actually appeared in on each stored session. A name that keeps reappearing is in a persistent condition; a one-day appearance usually is not.