Share Price and Basic Stock Data
Last Updated: November 8, 2025, 4:14 am
| PEG Ratio | 0.43 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Karnataka Bank Ltd operates within the private sector banking industry and has reported a market capitalization of ₹6,939 Cr. The bank’s share price stood at ₹184, reflecting a price-to-earnings (P/E) ratio of 5.96. Over the last few quarters, Karnataka Bank has demonstrated a consistent upward trajectory in revenue, with figures rising from ₹1,629 Cr in June 2022 to ₹2,201 Cr by March 2024. The most recent quarterly revenue reported for September 2023 was ₹2,027 Cr, showcasing a robust growth trend. This growth is further supported by a year-over-year revenue increase, with total revenue for the fiscal year ending March 2023 reported at ₹7,220 Cr, which is expected to rise to ₹9,014 Cr by March 2025. The bank’s diverse income sources, including interest income and other income streams, contribute significantly to its overall financial performance, underscoring a positive outlook for future revenue generation.
Profitability and Efficiency Metrics
Karnataka Bank has reported a net profit of ₹1,164 Cr, which translates to a return on equity (ROE) of 11.1%. The bank’s profitability metrics demonstrate resilience, with net profit margins recorded at 14.12% for the fiscal year ending March 2025, slightly declining from 15.74% in the previous year. The bank’s financing profit has fluctuated, with a notable profit of ₹535 Cr reported in March 2023, demonstrating its capacity to manage operational costs effectively. Furthermore, the return on capital employed (ROCE) stood at 6.33%, indicating efficient use of capital. However, the cost-to-income ratio rose to 60.09%, suggesting increasing operational costs relative to income, which could pose challenges to maintaining profitability if not managed effectively. The operational performance reflects a balance between revenue growth and cost management, essential for sustaining profitability in a competitive banking landscape.
Balance Sheet Strength and Financial Ratios
Karnataka Bank’s balance sheet exhibits strength with total assets reported at ₹120,962 Cr for March 2025, up from ₹99,058 Cr in March 2023. The bank’s reserves have also seen significant growth, standing at ₹11,707 Cr, which supports its capital adequacy and financial stability. The bank’s equity capital has increased to ₹378 Cr, reflecting a healthy capital base. However, the bank has reported borrowings of ₹1,941 Cr, indicating reliance on external funding, which could impact financial flexibility. The bank’s price-to-book value (PBV) ratio stood at 0.57, considerably lower than the typical sector range, suggesting potential undervaluation. Additionally, the bank’s net interest margin (NIM) was reported at 2.73, which is relatively competitive but requires ongoing monitoring to ensure it remains aligned with industry standards. Overall, while the balance sheet appears sturdy, the reliance on borrowings and the PBV ratio warrant attention for future growth prospects.
Shareholding Pattern and Investor Confidence
The shareholding structure of Karnataka Bank reveals a diverse mix of stakeholders, with foreign institutional investors (FIIs) holding 15.66% and domestic institutional investors (DIIs) at 17.01%. The public holds a substantial 67.33% of the bank’s shares, reflecting strong retail investor participation. Notably, there has been a fluctuation in FII holdings, which peaked at 22.67% in September 2023 but has since declined. This trend may indicate shifting investor sentiment or broader market dynamics influencing foreign investment strategies. The increase in DII holdings from 5.34% in September 2022 to 18.16% in March 2025 points to growing institutional confidence in the bank’s fundamentals. The number of shareholders has also risen to 404,405, indicating increased retail interest. This diversified ownership structure can provide stability but also introduces volatility based on market perceptions and investor behavior.
Outlook, Risks, and Final Insight
Looking ahead, Karnataka Bank faces a mixed outlook influenced by its financial performance and market conditions. Strengths include a strong revenue growth trajectory, solid net profit margins, and a robust capital base, all of which position the bank favorably in the competitive banking sector. However, risks such as rising operational costs, reliance on borrowings, and fluctuating FII investments could impact profitability and financial stability. Additionally, the bank’s cost-to-income ratio needs careful management to maintain efficiency. With a focus on improving operational efficiencies and enhancing its asset quality, Karnataka Bank has the potential to navigate challenges effectively. The bank’s ability to adapt to regulatory changes and market dynamics will be crucial in shaping its future performance. Overall, while the bank is well-positioned for growth, ongoing vigilance regarding operational and market risks will be essential for sustaining investor confidence and achieving long-term objectives.
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 | 2,322 Cr. | 279 | 372/180 | 28.9 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,417 Cr. | 27.5 | 44.9/24.3 | 37.8 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,234 Cr. | 272 | 331/250 | 9.13 | 307 | 1.47 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,691 Cr. | 22.8 | 24.3/16.0 | 25.3 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,148 Cr. | 52.4 | 54.6/30.8 | 24.3 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 159,990.96 Cr | 409.09 | 18.39 | 239.31 | 0.61% | 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: October 15, 2025, 4:17 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 | 8,997 |
| 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 | 5,834 |
| 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 | 3,033 |
| Financing Profit | -71 | 38 | 27 | -292 | -594 | -340 | -676 | -719 | -186 | 535 | 316 | 456 | 130 |
| 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 | 1,349 |
| 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 | 1,479 |
| 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 | 1,164 |
| 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 | 30.82 |
| 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: September 10, 2025, 2:39 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 188 | 188 | 188 | 283 | 283 | 283 | 311 | 311 | 311 | 312 | 377 | 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 |
| 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 |
| Borrowing | 1,315 | 438 | 1,051 | 833 | 816 | 3,326 | 4,065 | 1,765 | 2,314 | 1,563 | 4,400 | 1,941 |
| 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 |
| 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 |
| Fixed Assets | 197 | 292 | 307 | 721 | 762 | 775 | 826 | 838 | 805 | 846 | 915 | 976 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 13 | 29 | 13 | 14 |
| 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Karnataka Bank Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 378.00 Cr.. The value appears strong and on an upward trend. It has increased from 377.00 Cr. (Mar 2024) to 378.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Mar 2025, the value is 11,707.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,471.00 Cr. (Mar 2024) to 11,707.00 Cr., marking an increase of 1,236.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 2,128.00 Cr.. The value appears to be improving (decreasing). It has decreased from 2,848.00 Cr. (Mar 2024) to 2,128.00 Cr., marking a decrease of 720.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 120,962.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 116,085.00 Cr. (Mar 2024) to 120,962.00 Cr., marking an increase of 4,877.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 976.00 Cr.. The value appears strong and on an upward trend. It has increased from 915.00 Cr. (Mar 2024) to 976.00 Cr., marking an increase of 61.00 Cr..
- For CWIP, as of Mar 2025, the value is 14.00 Cr.. The value appears strong and on an upward trend. It has increased from 13.00 Cr. (Mar 2024) to 14.00 Cr., marking an increase of 1.00 Cr..
- For Investments, as of Mar 2025, the value is 24,537.00 Cr.. The value appears strong and on an upward trend. It has increased from 24,302.00 Cr. (Mar 2024) to 24,537.00 Cr., marking an increase of 235.00 Cr..
- For Other Assets, as of Mar 2025, the value is 95,435.00 Cr.. The value appears strong and on an upward trend. It has increased from 90,855.00 Cr. (Mar 2024) to 95,435.00 Cr., marking an increase of 4,580.00 Cr..
- For Total Assets, as of Mar 2025, the value is 120,962.00 Cr.. The value appears strong and on an upward trend. It has increased from 116,085.00 Cr. (Mar 2024) to 120,962.00 Cr., marking an increase of 4,877.00 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 - No data available for this post.
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: 5.88 (Industry average Stock P/E: 18.39)
- 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 08 November 2025) is 171.70 which is 5.14% lower the current market price of 181.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 6,842 Cr. market cap, FY2025-2026 high/low of 231/162, reserves of ₹11,707 Cr, and liabilities of 120,962 Cr.
What is the Market Cap of Karnataka Bank Ltd?
The Market Cap of Karnataka Bank Ltd is 6,842 Cr..
What is the current Stock Price of Karnataka Bank Ltd as on 08 November 2025?
The current stock price of Karnataka Bank Ltd as on 08 November 2025 is 181.
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 5.88.
What is the Book Value of Karnataka Bank Ltd?
The Book Value of Karnataka Bank Ltd is 320.
What is the Dividend Yield of Karnataka Bank Ltd?
The Dividend Yield of Karnataka Bank Ltd is 2.76 %.
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.