This study presents a comprehensive numerical investigation into the laser-directed energy deposition (LDED) of homogeneous martensitic stainless steel coatings, with a particular focus on the role of the overlap ratio in governing melt pool dynamics and track morphology. A three-dimensional transient thermal-fluid coupled model was developed using the Fluent platform, incorporating the volume of fluid (VOF) method to accurately track the free-surface evolution, while integrally accounting for the coupled mechanisms of heat transfer, phase change, fluid flow and free-surface deformation. The model was employed to simulate the track geometry, transient temperature fields and flow field distributions under three representative overlap ratios of 30%, 40% and 50%. The results demonstrate that the optimal overlap ratio for achieving the best surface planarity of the martensitic stainless steel coating is 40%, which yields the highest flatness coefficient of 0.91, whereas ratios of 30% and 50% result in inferior surface quality characterized by groove formation (flatness 0.87) and localized protrusions, respectively. Increasing the overlap ratio from 30% to 50% markedly intensifies the inter-track thermal accumulation, with the thermal accumulation coefficient rising from 0.43% to 9.5%, accompanied by substantial enlargement of the melt pool dimensions and enhanced recoil pressure at the pool center. This validated three-dimensional thermal-fluid coupled model reliably captures the intricate interplay between overlap ratio, thermal behavior and track morphology, thereby providing a quantitative theoretical basis for optimizing LDED process parameters to improve the coating quality and service performance of laser-repaired hydraulic turbine blades.