Share Price and Basic Stock Data
Last Updated: December 18, 2025, 10:25 pm
| PEG Ratio | 0.50 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Karnataka Bank Ltd has demonstrated a consistent upward trajectory in its revenue generation, reporting ₹7,220 Cr for FY 2023, a significant increase from ₹6,222 Cr in FY 2022. The bank’s revenue has shown resilience, with the latest quarterly figures for June 2024 standing at ₹2,278 Cr, reflecting a steady growth pattern. Notably, the bank’s revenue rose from ₹1,969 Cr in March 2023 to ₹2,201 Cr in March 2024, indicating a robust demand for its financial products and services. This trend highlights the bank’s ability to adapt to market conditions and suggests a growing customer base. However, the dependence on interest income, which constituted a significant portion of its total revenue at ₹4,035 Cr in FY 2023, raises questions about its diversification strategy. The bank must balance its interest income with non-interest income to mitigate risks associated with interest rate fluctuations.
Profitability and Efficiency Metrics
Karnataka Bank’s profitability metrics appear robust, with a reported net profit of ₹1,180 Cr for FY 2023, translating to an impressive net profit margin of 16.33%. This margin is above the industry average, indicating effective cost management and operational efficiency. The bank’s return on equity (ROE) stood at 15.31% for FY 2023, which is commendable and suggests that the bank is utilizing its shareholders’ equity effectively to generate profits. However, the return on capital employed (ROCE) at 6.33% seems somewhat stretched compared to the ROE, hinting at potential inefficiencies in capital utilization. The financing profit has fluctuated significantly, from a loss of ₹186 Cr in FY 2022 to a profit of ₹535 Cr in FY 2023, showcasing the bank’s recovery but also its vulnerability to economic cycles. Investors should keep an eye on these metrics to gauge the bank’s ongoing operational efficiency.
Balance Sheet Strength and Financial Ratios
The balance sheet of Karnataka Bank reflects a solid foundation, with total assets reported at ₹120,962 Cr in FY 2025, up from ₹99,058 Cr in FY 2023. This growth in assets is supported by a significant increase in deposits, which rose to ₹104,807 Cr, indicating strong customer trust and engagement. The bank’s reserves have also seen a healthy uptick, reaching ₹12,211 Cr, providing a buffer against potential losses. However, the cost-to-income ratio of 60.09% raises a flag, suggesting that the bank may need to streamline its operations further to enhance profitability. The non-performing asset (NPA) ratios, with gross NPAs at 3.08% and net NPAs at 1.31% for FY 2025, are within acceptable limits, yet they warrant continuous monitoring. A lower NPA ratio generally signals better asset quality, but any deterioration could impact financial stability.
Shareholding Pattern and Investor Confidence
Karnataka Bank’s shareholding structure reveals a diverse investor base, with public shareholders holding 69.27% as of June 2025. This broad distribution can be a sign of strong retail investor confidence, which is crucial for stability. Foreign institutional investors (FIIs) have shown a fluctuating yet generally increasing interest, currently at 14.60%, while domestic institutional investors (DIIs) hold 16.11%. The increase in DII participation from 5.43% in December 2022 to 17.01% in June 2025 suggests growing institutional confidence in the bank’s potential. However, the volatility in FII holdings, which saw a peak of 22.67% in September 2023, may indicate a lack of long-term commitment from foreign investors, often influenced by macroeconomic conditions. This dynamic could affect the stock’s liquidity and market perception, which investors should consider when evaluating their positions.
Outlook, Risks, and Final Insight
The outlook for Karnataka Bank appears cautiously optimistic, driven by its revenue growth and robust profitability metrics. However, investors should remain vigilant regarding potential risks, including the impact of macroeconomic factors like interest rate changes and inflation, which could affect loan demand and asset quality. Additionally, while the bank has managed its NPAs effectively, any economic downturn could lead to a rise in defaults, challenging its current financial health. The bank’s reliance on interest income also highlights the need for better diversification into non-interest income streams to buffer against market volatility. Overall, while Karnataka Bank has shown resilience and adaptability, prospective investors should weigh the associated risks and monitor ongoing performance closely to make informed decisions.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,140 Cr. | 257 | 345/180 | 26.7 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,313 Cr. | 25.5 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,210 Cr. | 266 | 331/250 | 8.95 | 307 | 1.50 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 67,273 Cr. | 21.4 | 24.3/16.0 | 23.7 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,340 Cr. | 53.3 | 56.3/30.8 | 24.8 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,614.26 Cr | 413.48 | 18.26 | 241.49 | 0.60% | 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: December 15, 2025, 4:31 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: December 10, 2025, 3:32 am
| 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 | 14,754,512 | 1.04 | 312.99 | 8,930,000 | 2025-11-03 00:27:29 | 65.22% |
| Bandhan Small Cap Fund | 10,971,364 | 1.28 | 232.74 | 10,269,537 | 2025-12-15 00:01:04 | 6.83% |
| HSBC Flexi Cap Fund | 1,897,260 | 0.77 | 40.25 | N/A | N/A | N/A |
| ICICI Prudential Retirement Fund - Pure Equity | 239,600 | 0.32 | 5.08 | 239,600 | 2025-04-22 16:26:38 | 0% |
| Taurus Banking And Financial Services Fund | 10,794 | 1.88 | 0.23 | N/A | N/A | N/A |
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
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: 6.55 (Industry average Stock P/E: 18.26)
- 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 18 December 2025) is 198.57 which is 0.22% lower the current market price of 199.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 7,511 Cr. market cap, FY2025-2026 high/low of 220/162, 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 7,511 Cr..
What is the current Stock Price of Karnataka Bank Ltd as on 18 December 2025?
The current stock price of Karnataka Bank Ltd as on 18 December 2025 is 199.
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 220/162.
What is the Stock P/E of Karnataka Bank Ltd?
The Stock P/E of Karnataka Bank Ltd is 6.55.
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 2.52 %.
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.