IOB IN EQUITY
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Day range—
52-week range—
Market cap—
P/E · TTM—
As of—
| ₹ CR · FY | FY22 | FY23 | FY24 | FY25 | FY26 | Sep'26 | YOY |
|---|---|---|---|---|---|---|---|
| Profit & loss | |||||||
| Revenue | 16,736 | 19,407 | 24,066 | 28,144 | 31,896 | — | — |
| Operating profit | -2,954 | -1,503 | -1,906 | -639 | 1,153 | — | — |
| OPM % | -17.7% | -7.7% | -7.9% | -2.3% | 3.6% | — | |
| Interest | 10,419 | 11,146 | 14,226 | 17,244 | 19,322 | — | — |
| Profit before tax | 1,779 | 2,353 | 3,423 | 4,573 | 6,478 | — | — |
| Net profit | 1,709 | 2,104 | 2,666 | 3,396 | 5,418 | — | — |
| NPM % | 10.2% | 10.8% | 11.1% | 12.1% | 17.0% | — | |
| Balance sheet & cash | |||||||
| Total assets | 2,99,030 | 3,13,438 | 3,51,869 | 3,94,710 | 4,72,795 | 5,17,448 | +9.4% |
| Equity | 22,597 | 24,876 | 27,561 | 32,234 | 36,991 | 40,337 | +9% |
| Debt | — | — | — | — | — | — | — |
| Cash from ops | 5,539 | -13,655 | -1,119 | 2,647 | 4,780 | — | — |
| Capex | — | — | — | — | — | — | — |
| CHECK | RESULT | VALUE |
|---|---|---|
| Net profit positive | n/a | — |
| Operating cash flow positive | n/a | — |
| ROA improved | n/a | 1.1% → — |
| Cash from ops > net profit | n/a | — |
| Leverage fell | n/a | — → — |
| Current ratio improved | n/a | — → — |
| Gross margin improved | n/a | 3.6% → — |
| Asset turnover improved | n/a | 0.07 → — |
| Interest cover above 3× | n/a | — |
| ₹ CR · QUARTER | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 | YOY |
|---|---|---|---|---|---|---|---|---|---|
| Profit & loss | |||||||||
| Revenue | 7,116 | 7,635 | 7,387 | 7,851 | 8,172 | 8,489 | 8,778 | 9,201 | +17.2% |
| Operating profit | -60 | -27 | 34 | 364 | -132 | 368 | -301 | 840 | +130.8% |
| OPM % | -0.8% | -0.4% | 0.5% | 4.6% | -1.6% | 4.3% | -3.4% | 9.1% | |
| Interest | 4,324 | 4,510 | 4,639 | 4,790 | 4,874 | 5,019 | 5,090 | 5,334 | +11.4% |
| Profit before tax | 1,238 | 1,554 | 1,515 | 1,729 | 1,367 | 1,659 | 1,859 | 2,066 | +19.5% |
| Net profit | 875 | 1,092 | 1,178 | 1,259 | 1,427 | 1,556 | 1,716 | 1,963 | +55.9% |
| NPM % | 12.3% | 14.3% | 15.9% | 16.0% | 17.5% | 18.3% | 19.5% | 21.3% |