Share Price and Basic Stock Data
Last Updated: January 8, 2026, 6:58 pm
| PEG Ratio | 0.48 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Karnataka Bank Ltd operates in the private sector banking industry, with a current market capitalization of ₹7,545 Cr and a share price of ₹200. The bank’s revenue has shown a robust upward trajectory, recording ₹1,771 Cr in September 2022, rising consistently to ₹2,027 Cr by September 2023. This trend reflects a year-on-year growth, indicative of the bank’s expanding customer base and effective service offerings. The annual revenue figures also support this growth narrative, with total revenue reported at ₹7,220 Cr for FY 2023 and projected to increase to ₹9,014 Cr by FY 2025. The bank’s ability to generate revenue is underpinned by its interest income, which climbed from ₹4,035 Cr in FY 2023 to an expected ₹5,703 Cr in FY 2025. Such figures highlight Karnataka Bank’s effective management of interest-bearing assets and its competitive positioning within the sector, although the absence of operating profit margin data may limit insight into operational efficiency.
Profitability and Efficiency Metrics
Karnataka Bank’s profitability is reflected in its net profit of ₹1,147 Cr, translating to a P/E ratio of 6.58, which is relatively low compared to the industry average, suggesting potential undervaluation. The bank’s return on equity (ROE) stood at 11.1%, while return on capital employed (ROCE) was reported at 6.33%, indicating a solid return on shareholder investments. Profit before tax reached ₹1,441 Cr in FY 2023, demonstrating an upward trend from previous periods. However, the financing profit has exhibited volatility, with a decline to negative ₹104 Cr in March 2024, suggesting challenges in managing interest expenses against income. Furthermore, the net profit margin was reported at 14.12% for FY 2025, which is commendable, yet below the typical sector range of 15% to 20%. This highlights opportunities for improvement in cost management and operational efficiency.
Balance Sheet Strength and Financial Ratios
Karnataka Bank’s balance sheet reflects significant growth, with total assets increasing to ₹120,962 Cr by March 2025, up from ₹99,058 Cr in March 2023. Reserves stood at ₹12,211 Cr, indicating a robust capital foundation. The bank’s equity capital rose to ₹378 Cr by March 2025, contributing to its financial stability. The bank’s gross NPA ratio improved to 3.33% by September 2025, down from 3.74% in March 2023, suggesting effective asset quality management. However, the net NPA ratio slightly increased to 1.35% in September 2025, posing a risk to profitability if not addressed. Financial ratios, including a price-to-book value of 0.57, indicate that the stock may be undervalued, offering potential for investors. The cost-to-income ratio of 60.09% suggests room for operational efficiency improvements compared to typical sector benchmarks of around 50%.
Shareholding Pattern and Investor Confidence
Karnataka Bank’s shareholding pattern reveals a diversified investor base, with public ownership at 69.27%, followed by domestic institutional investors (DIIs) at 16.11% and foreign institutional investors (FIIs) at 14.60%. The increase in DII ownership from 5.43% in December 2022 to 16.11% in September 2025 demonstrates growing institutional confidence in the bank’s prospects. Conversely, FII ownership has fluctuated, declining from 22.67% in September 2023 to 14.60% in September 2025, indicating a cautious outlook among foreign investors. The total number of shareholders has also risen, reaching 410,790, reflecting increased retail participation. This diversified ownership structure may provide stability to the stock during market volatility, although the decline in FII investment could signal potential concerns regarding the bank’s future performance in the international market.
Outlook, Risks, and Final Insight
The outlook for Karnataka Bank appears cautiously optimistic, supported by consistent revenue growth and a solid balance sheet. However, risks remain, particularly concerning volatility in financing profits and the slight uptick in net NPA ratios, which could pressure profitability if not managed effectively. The bank’s ability to enhance operational efficiency and manage costs will be critical in achieving sustained profitability. Additionally, the fluctuating FII interest may impact stock performance, highlighting the need for effective communication of strategic direction to reassure investors. Overall, while there are strengths in revenue trends and profitability metrics, the bank must address potential risks related to asset quality and operational efficiency to maintain growth momentum and investor confidence in the coming periods.
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 | 2,069 Cr. | 249 | 339/180 | 25.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,354 Cr. | 26.3 | 39.5/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,206 Cr. | 265 | 331/249 | 8.92 | 307 | 1.51 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,293 Cr. | 22.7 | 24.3/16.0 | 25.1 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 11,244 Cr. | 58.0 | 60.2/30.8 | 27.0 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,664.48 Cr | 424.58 | 18.75 | 241.49 | 0.59% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,771 | 1,851 | 1,969 | 1,959 | 2,027 | 2,113 | 2,201 | 2,278 | 2,234 | 2,243 | 2,258 | 2,261 | 2,179 |
| Interest | 968 | 1,016 | 1,109 | 1,144 | 1,204 | 1,285 | 1,367 | 1,375 | 1,401 | 1,450 | 1,478 | 1,506 | 1,451 |
| Expenses | 471 | 672 | 823 | 689 | 670 | 758 | 938 | 664 | 674 | 736 | 865 | 757 | 652 |
| Financing Profit | 332 | 162 | 37 | 126 | 153 | 70 | -104 | 239 | 159 | 57 | -84 | -2 | 77 |
| Financing Margin % | 19% | 9% | 2% | 6% | 8% | 3% | -5% | 11% | 7% | 3% | -4% | -0% | 4% |
| Other Income | 260 | 205 | 395 | 324 | 250 | 326 | 419 | 279 | 270 | 292 | 428 | 358 | 343 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 592 | 367 | 432 | 450 | 402 | 396 | 315 | 518 | 429 | 349 | 344 | 356 | 420 |
| Tax % | 30% | 18% | 18% | 18% | 18% | 16% | 13% | 23% | 22% | 19% | 27% | 18% | 24% |
| Net Profit | 412 | 301 | 354 | 371 | 330 | 331 | 274 | 400 | 336 | 284 | 252 | 292 | 319 |
| EPS in Rs | 13.22 | 9.64 | 11.33 | 11.87 | 10.56 | 9.55 | 7.27 | 10.61 | 8.90 | 7.50 | 6.68 | 7.74 | 8.44 |
| Gross NPA % | 3.36% | 3.28% | 3.74% | 3.68% | 3.47% | 3.64% | 3.53% | 3.54% | 3.21% | 3.11% | 3.08% | 3.46% | 3.33% |
| Net NPA % | 1.72% | 1.66% | 1.70% | 1.43% | 1.36% | 1.55% | 1.58% | 1.66% | 1.46% | 1.39% | 1.31% | 1.44% | 1.35% |
Last Updated: December 28, 2025, 8:39 pm
Below is a detailed analysis of the quarterly data for Karnataka Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 1,451.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1,506.00 Cr. (Jun 2025) to 1,451.00 Cr., marking a decrease of 55.00 Cr..
- For Expenses, as of Sep 2025, the value is 652.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 757.00 Cr. (Jun 2025) to 652.00 Cr., marking a decrease of 105.00 Cr..
- For Other Income, as of Sep 2025, the value is 343.00 Cr.. The value appears to be declining and may need further review. It has decreased from 358.00 Cr. (Jun 2025) to 343.00 Cr., marking a decrease of 15.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 420.00 Cr.. The value appears strong and on an upward trend. It has increased from 356.00 Cr. (Jun 2025) to 420.00 Cr., marking an increase of 64.00 Cr..
- For Tax %, as of Sep 2025, the value is 24.00%. The value appears to be increasing, which may not be favorable. It has increased from 18.00% (Jun 2025) to 24.00%, marking an increase of 6.00%.
- For Net Profit, as of Sep 2025, the value is 319.00 Cr.. The value appears strong and on an upward trend. It has increased from 292.00 Cr. (Jun 2025) to 319.00 Cr., marking an increase of 27.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 8.44. The value appears strong and on an upward trend. It has increased from 7.74 (Jun 2025) to 8.44, marking an increase of 0.70.
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: 6.37 (Industry average Stock P/E: 18.75)
- 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 | Contact not found |
| 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 08 January 2026) is ₹193.24 which is 0.12% higher the current market price of ₹193.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹7,308 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 7,308 Cr..
What is the current Stock Price of Karnataka Bank Ltd as on 08 January 2026?
The current stock price of Karnataka Bank Ltd as on 08 January 2026 is ₹193.
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 6.37.
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 2.59 %.
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.