Share Price and Basic Stock Data
Last Updated: November 28, 2025, 9:42 am
| PEG Ratio | 0.54 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Karnataka Bank Ltd, a prominent player in the private sector banking industry, reported a market capitalization of ₹6,619 Cr and a share price of ₹175. The bank’s revenue trajectory illustrates a consistent upward trend, with total revenue recording ₹7,220 Cr for FY 2023, which is a significant increase from ₹6,222 Cr in FY 2022. The revenue for FY 2024 is projected to rise further to ₹8,299 Cr, indicating a robust growth path. In the latest quarter (Sep 2023), the revenue stood at ₹2,027 Cr, up from ₹1,969 Cr in the previous quarter (Mar 2023), showcasing a quarter-on-quarter growth. The bank’s ability to generate consistent revenue growth is underscored by its operational performance, which reflects a solid demand for its banking services amidst a growing economy.
Profitability and Efficiency Metrics
Karnataka Bank’s profitability metrics reveal a mixed but generally positive outlook. The bank reported a net profit of ₹1,147 Cr for FY 2025, which is a slight decline from ₹1,180 Cr in FY 2023 but an increase from ₹1,306 Cr in FY 2024. The net profit margin stood at 14.12% for FY 2025, a robust figure compared to the industry average, indicating effective cost management and operational efficiency. The return on equity (ROE) was recorded at 11.1%, while the return on capital employed (ROCE) was at 6.33%, both of which are competitive metrics in the banking sector. However, the bank experienced fluctuations in its financing profit, which recorded a negative figure in certain quarters, suggesting areas for improvement in interest income management.
Balance Sheet Strength and Financial Ratios
Karnataka Bank’s balance sheet reflects a strong financial position, with total assets reported at ₹120,962 Cr for FY 2025, up from ₹99,058 Cr in FY 2023. This growth is supported by a substantial increase in reserves, which rose to ₹12,211 Cr, indicating a solid foundation for future growth and risk absorption. The bank’s equity capital increased to ₹378 Cr in FY 2025, while borrowings decreased to ₹1,941 Cr, reflecting prudent financial management. The price-to-earnings (P/E) ratio stood at 5.77, suggesting the stock may be undervalued compared to its peers, while the price-to-book value (P/BV) ratio was reported at 0.57, indicating potential for capital appreciation. The cost-to-income ratio of 60.09% suggests there may be room for operational efficiencies, as lower ratios are generally preferred in the banking sector.
Shareholding Pattern and Investor Confidence
Karnataka Bank’s shareholding pattern indicates a diversified ownership structure, with public shareholders holding 69.27% of the equity, while foreign institutional investors (FIIs) accounted for 14.60% and domestic institutional investors (DIIs) held 16.11%. This diversified ownership reflects a healthy level of investor confidence in the bank’s operations and future prospects. Over recent quarters, FIIs have seen a decline from 22.67% in Sep 2023 to 14.60% in Sep 2025, indicating a cautious sentiment among foreign investors. In contrast, DIIs have increased their stake from 5.43% in Dec 2022 to 16.11% in Sep 2025, suggesting growing confidence from domestic institutions. The total number of shareholders has increased significantly, reaching 4,10,790, further indicating heightened interest in the bank’s performance and stability.
Outlook, Risks, and Final Insight
The outlook for Karnataka Bank appears cautiously optimistic, bolstered by consistent revenue growth and a solid asset base. However, potential risks include the fluctuations in financing profit and the relatively high cost-to-income ratio, which could impact profitability if not addressed. Additionally, the decline in FII participation may signal concerns about broader market conditions or bank-specific issues. Strengths include a robust reserve position and diversified shareholder base, which provide a buffer against economic volatility. Going forward, the bank may benefit from focusing on improving operational efficiencies and managing interest income more effectively to enhance profitability. If these areas are addressed, Karnataka Bank could position itself favorably in a competitive banking landscape, capitalizing on growth opportunities in the Indian economy.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Karnataka Bank Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,596 Cr. | 312 | 372/180 | 32.4 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,380 Cr. | 26.8 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,259 Cr. | 278 | 331/250 | 9.30 | 307 | 1.45 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,601 Cr. | 22.8 | 24.3/16.0 | 25.2 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,582 Cr. | 54.6 | 56.2/30.8 | 25.4 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 164,938.74 Cr | 422.98 | 18.82 | 241.49 | 0.58% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,629 | 1,771 | 1,851 | 1,969 | 1,959 | 2,027 | 2,113 | 2,201 | 2,278 | 2,234 | 2,243 | 2,258 | 2,261 |
| Interest | 942 | 968 | 1,016 | 1,109 | 1,144 | 1,204 | 1,285 | 1,367 | 1,375 | 1,401 | 1,450 | 1,478 | 1,506 |
| Expenses | 770 | 471 | 672 | 823 | 689 | 670 | 758 | 938 | 664 | 674 | 736 | 865 | 757 |
| Financing Profit | -83 | 332 | 162 | 37 | 126 | 153 | 70 | -104 | 239 | 159 | 57 | -84 | -2 |
| Financing Margin % | -5% | 19% | 9% | 2% | 6% | 8% | 3% | -5% | 11% | 7% | 3% | -4% | -0% |
| Other Income | 133 | 260 | 205 | 395 | 324 | 250 | 326 | 419 | 279 | 270 | 292 | 428 | 358 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 50 | 592 | 367 | 432 | 450 | 402 | 396 | 315 | 518 | 429 | 349 | 344 | 356 |
| Tax % | -129% | 30% | 18% | 18% | 18% | 18% | 16% | 13% | 23% | 22% | 19% | 27% | 18% |
| Net Profit | 114 | 412 | 301 | 354 | 371 | 330 | 331 | 274 | 400 | 336 | 284 | 252 | 292 |
| EPS in Rs | 3.67 | 13.22 | 9.64 | 11.33 | 11.87 | 10.56 | 9.55 | 7.27 | 10.61 | 8.90 | 7.50 | 6.68 | 7.74 |
| Gross NPA % | 4.03% | 3.36% | 3.28% | 3.74% | 3.68% | 3.47% | 3.64% | 3.53% | 3.54% | 3.21% | 3.11% | 3.08% | 3.46% |
| Net NPA % | 2.16% | 1.72% | 1.66% | 1.70% | 1.43% | 1.36% | 1.55% | 1.58% | 1.66% | 1.46% | 1.39% | 1.31% | 1.44% |
Last Updated: August 20, 2025, 2:25 am
Below is a detailed analysis of the quarterly data for Karnataka Bank Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 1,506.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,478.00 Cr. (Mar 2025) to 1,506.00 Cr., marking an increase of 28.00 Cr..
- For Expenses, as of Jun 2025, the value is 757.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 865.00 Cr. (Mar 2025) to 757.00 Cr., marking a decrease of 108.00 Cr..
- For Other Income, as of Jun 2025, the value is 358.00 Cr.. The value appears to be declining and may need further review. It has decreased from 428.00 Cr. (Mar 2025) to 358.00 Cr., marking a decrease of 70.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 356.00 Cr.. The value appears strong and on an upward trend. It has increased from 344.00 Cr. (Mar 2025) to 356.00 Cr., marking an increase of 12.00 Cr..
- For Tax %, as of Jun 2025, the value is 18.00%. The value appears to be improving (decreasing) as expected. It has decreased from 27.00% (Mar 2025) to 18.00%, marking a decrease of 9.00%.
- For Net Profit, as of Jun 2025, the value is 292.00 Cr.. The value appears strong and on an upward trend. It has increased from 252.00 Cr. (Mar 2025) to 292.00 Cr., marking an increase of 40.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 7.74. The value appears strong and on an upward trend. It has increased from 6.68 (Mar 2025) to 7.74, marking an increase of 1.06.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: November 15, 2025, 4:18 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4,189 | 4,698 | 4,992 | 5,185 | 5,424 | 5,906 | 6,475 | 6,232 | 6,222 | 7,220 | 8,299 | 9,014 | 8,942 |
| Interest | 3,133 | 3,530 | 3,689 | 3,695 | 3,566 | 4,001 | 4,444 | 4,049 | 3,731 | 4,035 | 5,000 | 5,703 | 5,885 |
| Expenses | 1,127 | 1,131 | 1,275 | 1,782 | 2,452 | 2,245 | 2,706 | 2,902 | 2,677 | 2,650 | 2,983 | 2,854 | 3,010 |
| Financing Profit | -71 | 38 | 27 | -292 | -594 | -340 | -676 | -719 | -186 | 535 | 316 | 456 | 47 |
| Financing Margin % | -2% | 1% | 1% | -6% | -11% | -6% | -10% | -12% | -3% | 7% | 4% | 5% | 1% |
| Other Income | 506 | 507 | 543 | 809 | 954 | 1,002 | 1,262 | 1,404 | 954 | 993 | 1,319 | 1,270 | 1,422 |
| Depreciation | 26 | -14 | 42 | 50 | 50 | 54 | 64 | 74 | 74 | 86 | 72 | 85 | 0 |
| Profit before tax | 409 | 559 | 528 | 468 | 310 | 608 | 522 | 612 | 695 | 1,441 | 1,563 | 1,641 | 1,470 |
| Tax % | 24% | 19% | 21% | 3% | -5% | 21% | 17% | 21% | 27% | 18% | 16% | 22% | |
| Net Profit | 311 | 451 | 415 | 452 | 326 | 477 | 432 | 483 | 509 | 1,180 | 1,306 | 1,272 | 1,147 |
| EPS in Rs | 10.01 | 14.52 | 13.35 | 14.55 | 10.47 | 15.35 | 13.89 | 15.52 | 16.35 | 37.79 | 34.63 | 33.67 | 30.36 |
| Dividend Payout % | 24% | 21% | 23% | 25% | 26% | 21% | 0% | 12% | 24% | 13% | 16% | 15% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 45.02% | -7.98% | 8.92% | -27.88% | 46.32% | -9.43% | 11.81% | 5.38% | 131.83% | 10.68% | -2.60% |
| Change in YoY Net Profit Growth (%) | 0.00% | -53.00% | 16.90% | -36.79% | 74.20% | -55.75% | 21.24% | -6.42% | 126.44% | -121.15% | -13.28% |
Karnataka Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 7% |
| 5 Years: | 7% |
| 3 Years: | 13% |
| TTM: | 4% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 11% |
| 5 Years: | 24% |
| 3 Years: | 36% |
| TTM: | -13% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 8% |
| 5 Years: | 31% |
| 3 Years: | 32% |
| 1 Year: | -22% |
| Return on Equity | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 11% |
| 3 Years: | 13% |
| Last Year: | 11% |
Last Updated: September 5, 2025, 1:46 pm
Balance Sheet
Last Updated: November 9, 2025, 3:06 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 188 | 188 | 188 | 283 | 283 | 283 | 311 | 311 | 311 | 312 | 377 | 378 | 378 |
| Reserves | 2,864 | 3,201 | 3,502 | 4,860 | 5,128 | 5,503 | 5,660 | 6,331 | 6,784 | 7,901 | 10,471 | 11,707 | 12,211 |
| Deposits | 41,183 | 46,609 | 50,488 | 56,733 | 62,871 | 68,452 | 71,785 | 75,655 | 80,387 | 87,368 | 97,988 | 104,807 | 102,817 |
| Borrowing | 1,315 | 438 | 1,051 | 833 | 816 | 3,326 | 4,065 | 1,765 | 2,314 | 1,563 | 4,400 | 1,941 | 1,309 |
| Other Liabilities | 1,479 | 1,401 | 1,270 | 1,330 | 1,276 | 1,483 | 1,493 | 1,553 | 1,789 | 1,914 | 2,848 | 2,128 | 1,971 |
| Total Liabilities | 47,029 | 51,837 | 56,500 | 64,039 | 70,374 | 79,046 | 83,313 | 85,615 | 91,584 | 99,058 | 116,085 | 120,962 | 118,686 |
| Fixed Assets | 197 | 292 | 307 | 721 | 762 | 775 | 826 | 838 | 805 | 846 | 915 | 976 | 1,069 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 13 | 29 | 13 | 14 | 0 |
| Investments | 15,227 | 14,032 | 16,257 | 20,220 | 15,444 | 16,185 | 17,545 | 21,635 | 22,041 | 23,326 | 24,302 | 24,537 | 26,599 |
| Other Assets | 31,605 | 37,513 | 39,937 | 43,098 | 54,168 | 62,086 | 64,942 | 63,142 | 68,725 | 74,857 | 90,855 | 95,435 | 91,018 |
| Total Assets | 47,029 | 51,837 | 56,500 | 64,039 | 70,374 | 79,046 | 83,313 | 85,615 | 91,584 | 99,058 | 116,085 | 120,962 | 118,686 |
Below is a detailed analysis of the balance sheet data for Karnataka Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 378.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 378.00 Cr..
- For Reserves, as of Sep 2025, the value is 12,211.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,707.00 Cr. (Mar 2025) to 12,211.00 Cr., marking an increase of 504.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 1,971.00 Cr.. The value appears to be improving (decreasing). It has decreased from 2,128.00 Cr. (Mar 2025) to 1,971.00 Cr., marking a decrease of 157.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 118,686.00 Cr.. The value appears to be improving (decreasing). It has decreased from 120,962.00 Cr. (Mar 2025) to 118,686.00 Cr., marking a decrease of 2,276.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 1,069.00 Cr.. The value appears strong and on an upward trend. It has increased from 976.00 Cr. (Mar 2025) to 1,069.00 Cr., marking an increase of 93.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 14.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 14.00 Cr..
- For Investments, as of Sep 2025, the value is 26,599.00 Cr.. The value appears strong and on an upward trend. It has increased from 24,537.00 Cr. (Mar 2025) to 26,599.00 Cr., marking an increase of 2,062.00 Cr..
- For Other Assets, as of Sep 2025, the value is 91,018.00 Cr.. The value appears to be declining and may need further review. It has decreased from 95,435.00 Cr. (Mar 2025) to 91,018.00 Cr., marking a decrease of 4,417.00 Cr..
- For Total Assets, as of Sep 2025, the value is 118,686.00 Cr.. The value appears to be declining and may need further review. It has decreased from 120,962.00 Cr. (Mar 2025) to 118,686.00 Cr., marking a decrease of 2,276.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -40.00 | -45.00 | -49.00 | -55.00 | -60.00 | -66.00 | -69.00 | -73.00 | -78.00 | -85.00 | -95.00 | -102.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 10% | 14% | 12% | 10% | 6% | 9% | 7% | 8% | 7% | 15% | 14% | 11% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Quant Small Cap Fund | 8,930,000 | 1.61 | 209.01 | 8,930,000 | 2025-04-22 16:26:38 | 0% |
| Quant Active Fund | 4,133,279 | 1.3 | 96.74 | 4,133,279 | 2025-04-22 16:26:38 | 0% |
| Bandhan Small Cap Fund | 1,843,711 | 1.11 | 43.15 | 1,843,711 | 2025-04-22 16:26:38 | 0% |
| Quant Flexi Cap Fund | 1,691,233 | 1.36 | 39.58 | 1,691,233 | 2025-04-22 16:26:38 | 0% |
| Mahindra Manulife Small Cap Fund | 1,420,000 | 1.07 | 33.24 | 1,420,000 | 2025-04-22 16:26:38 | 0% |
| ITI Small Cap Fund | 879,465 | 1.04 | 20.58 | 879,465 | 2025-04-22 16:26:38 | 0% |
| Motilal Oswal Nifty Microcap 250 Index Fund | 351,637 | 1.32 | 8.23 | 351,637 | 2025-04-22 16:26:38 | 0% |
| ITI Multi Cap Fund | 285,928 | 0.85 | 6.69 | 285,928 | 2025-04-22 16:26:38 | 0% |
| ICICI Prudential Retirement Fund - Pure Equity | 239,600 | 1.16 | 5.61 | 239,600 | 2025-04-22 16:26:38 | 0% |
| JM Value Fund | 170,000 | 0.98 | 3.98 | 170,000 | 2025-04-22 16:26:38 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 33.70 | 39.85 | 37.87 | 16.36 | 15.52 |
| Diluted EPS (Rs.) | 33.63 | 39.67 | 37.64 | 16.29 | 15.47 |
| Cash EPS (Rs.) | 35.93 | 36.54 | 40.53 | 18.69 | 17.88 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 306.54 | 274.15 | 246.57 | 213.23 | 198.69 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 319.75 | 287.53 | 262.91 | 227.97 | 213.66 |
| Operating Revenue / Share (Rs.) | 238.49 | 219.97 | 231.16 | 199.94 | 200.48 |
| Net Profit / Share (Rs.) | 33.68 | 34.63 | 37.77 | 16.32 | 15.52 |
| Net Profit After MI / Share (Rs.) | 33.68 | 34.63 | 37.77 | 16.32 | 15.52 |
| Net Profit Margin (%) | 14.12 | 15.74 | 16.33 | 8.16 | 7.74 |
| Net Profit After MI And SOA Nargin (%) | 14.12 | 15.74 | 16.33 | 8.16 | 7.74 |
| Operating Profit Margin (%) | 27.79 | 28.29 | 28.23 | 14.74 | 13.11 |
| Return On Assets (%) | 1.05 | 1.12 | 1.19 | 0.55 | 0.56 |
| Return On Equity / Networth (%) | 10.98 | 12.63 | 15.31 | 7.65 | 7.81 |
| Net Interest Margin (X) | 2.73 | 2.84 | 3.21 | 2.70 | 2.55 |
| Cost To Income (%) | 60.09 | 53.14 | 47.15 | 52.58 | 45.65 |
| Interest Income / Total Assets (%) | 7.45 | 7.14 | 7.28 | 6.75 | 7.28 |
| Non-Interest Income / Total Assets (%) | 1.04 | 1.13 | 1.00 | 1.03 | 1.74 |
| Operating Profit / Total Assets (%) | 0.00 | -0.01 | 0.18 | -0.48 | -1.18 |
| Operating Expenses / Total Assets (%) | 2.27 | 2.11 | 1.98 | 1.96 | 1.96 |
| Interest Expenses / Total Assets (%) | 4.71 | 4.30 | 4.07 | 4.05 | 4.73 |
| Enterprise Value (Rs.Cr.) | 105857.76 | 103292.76 | 87975.95 | 80467.26 | 74454.25 |
| EV Per Net Sales (X) | 11.74 | 12.45 | 12.18 | 12.93 | 11.95 |
| Price To Book Value (X) | 0.57 | 0.82 | 0.55 | 0.25 | 0.30 |
| Price To Sales (X) | 0.73 | 1.02 | 0.58 | 0.27 | 0.30 |
| Retention Ratios (%) | 83.68 | 88.03 | 89.44 | 88.98 | 100.00 |
| Earnings Yield (X) | 0.19 | 0.15 | 0.27 | 0.29 | 0.25 |
After reviewing the key financial ratios for Karnataka Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 33.70. This value is within the healthy range. It has decreased from 39.85 (Mar 24) to 33.70, marking a decrease of 6.15.
- For Diluted EPS (Rs.), as of Mar 25, the value is 33.63. This value is within the healthy range. It has decreased from 39.67 (Mar 24) to 33.63, marking a decrease of 6.04.
- For Cash EPS (Rs.), as of Mar 25, the value is 35.93. This value is within the healthy range. It has decreased from 36.54 (Mar 24) to 35.93, marking a decrease of 0.61.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 306.54. It has increased from 274.15 (Mar 24) to 306.54, marking an increase of 32.39.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 319.75. It has increased from 287.53 (Mar 24) to 319.75, marking an increase of 32.22.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 33.68. This value is within the healthy range. It has decreased from 34.63 (Mar 24) to 33.68, marking a decrease of 0.95.
- For Net Profit Margin (%), as of Mar 25, the value is 14.12. This value exceeds the healthy maximum of 10. It has decreased from 15.74 (Mar 24) to 14.12, marking a decrease of 1.62.
- For Return On Assets (%), as of Mar 25, the value is 1.05. This value is below the healthy minimum of 5. It has decreased from 1.12 (Mar 24) to 1.05, marking a decrease of 0.07.
- For Retention Ratios (%), as of Mar 25, the value is 83.68. This value exceeds the healthy maximum of 70. It has decreased from 88.03 (Mar 24) to 83.68, marking a decrease of 4.35.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Karnataka Bank Ltd:
- Net Profit Margin: 14.12%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 7.06 (Industry average Stock P/E: 18.82)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 14.12%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | Post Box No. 599, Mahaveera Circle, Mangaluru Karnataka 575002 | investor.grievance@ktkbank.com https://karnatakabank.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. P Pradeep Kumar | Chairman & Ind.Director |
| Mr. Raghavendra S Bhat | Managing Director & CEO |
| Mr. B R Ashok | Non Executive Director |
| Mr. K Gururaj Acharya | Independent Director |
| Mr. S Balakrishna Alse | Independent Director |
| Mr. H V Harish | Independent Director |
| Mrs. Uma Shankar | Independent Director |
| Dr. D S Ravindran | Independent Director |
| Mr. Jeevandas Narayan | Independent Director |
FAQ
What is the intrinsic value of Karnataka Bank Ltd?
Karnataka Bank Ltd's intrinsic value (as of 29 November 2025) is 213.63 which is 0.64% lower the current market price of 215.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 8,118 Cr. market cap, FY2025-2026 high/low of 231/162, reserves of ₹12,211 Cr, and liabilities of 118,686 Cr.
What is the Market Cap of Karnataka Bank Ltd?
The Market Cap of Karnataka Bank Ltd is 8,118 Cr..
What is the current Stock Price of Karnataka Bank Ltd as on 29 November 2025?
The current stock price of Karnataka Bank Ltd as on 29 November 2025 is 215.
What is the High / Low of Karnataka Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Karnataka Bank Ltd stocks is 231/162.
What is the Stock P/E of Karnataka Bank Ltd?
The Stock P/E of Karnataka Bank Ltd is 7.06.
What is the Book Value of Karnataka Bank Ltd?
The Book Value of Karnataka Bank Ltd is 333.
What is the Dividend Yield of Karnataka Bank Ltd?
The Dividend Yield of Karnataka Bank Ltd is 2.33 %.
What is the ROCE of Karnataka Bank Ltd?
The ROCE of Karnataka Bank Ltd is 6.33 %.
What is the ROE of Karnataka Bank Ltd?
The ROE of Karnataka Bank Ltd is 11.1 %.
What is the Face Value of Karnataka Bank Ltd?
The Face Value of Karnataka Bank Ltd is 10.0.