Share Price and Basic Stock Data
Last Updated: October 18, 2025, 6:55 pm
| PEG Ratio | 0.41 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Karnataka Bank Ltd operates within the private sector banking industry, with a current market capitalization of ₹6,602 Cr and a share price of ₹175. The bank’s revenue has shown a consistent upward trend, with reported figures rising from ₹6,222 Cr in FY 2022 to ₹7,220 Cr in FY 2023, and further to ₹8,299 Cr in FY 2024. This growth trajectory is supported by quarterly revenues that stood at ₹1,629 Cr in June 2022 and increased to ₹2,201 Cr by March 2024. The bank has maintained a diversified income stream, with other income contributing significantly alongside interest income, which increased from ₹3,731 Cr in FY 2022 to ₹4,035 Cr in FY 2023. The revenue figures reflect a robust demand for banking services, which is crucial in the competitive landscape of Indian banking. Karnataka Bank’s focus on improving customer service and expanding its product offerings has likely played a role in this growth.
Profitability and Efficiency Metrics
Karnataka Bank’s profitability metrics indicate a strong performance, with a reported net profit of ₹1,272 Cr for FY 2025. The return on equity (ROE) stood at 11.1%, while the return on capital employed (ROCE) was 6.33%. These figures compare favorably against industry averages, suggesting effective capital utilization. The bank recorded an operating profit margin (OPM) of 27.79% in FY 2025, reflecting operational efficiency. However, fluctuations in financing profit and margins have been noted, particularly with a negative financing margin reported in certain quarters, such as -5% in March 2024. The net profit margin for FY 2025 was reported at 14.12%, indicating a healthy bottom line. While the bank has shown resilience in profitability, it must address the variability in margins to ensure sustained growth.
Balance Sheet Strength and Financial Ratios
The balance sheet of Karnataka Bank reveals a solid foundation, with total assets reaching ₹120,962 Cr as of March 2025. The reserves have significantly increased to ₹11,707 Cr, providing a buffer against potential risks. The bank’s equity capital has also seen growth, rising to ₹378 Cr in FY 2025 from ₹312 Cr in FY 2023. The debt-to-equity ratio remains manageable, indicating prudent leverage. Key financial ratios such as the cost-to-income ratio (32.16%) and net interest margin (2.73) suggest a balanced approach to managing expenses relative to income generation. However, the bank’s gross non-performing assets (NPA) stood at 3.46% in June 2025, which is a critical area of concern, as it indicates potential credit risks. Maintaining asset quality will be essential for long-term stability.
Shareholding Pattern and Investor Confidence
Karnataka Bank’s shareholding pattern depicts a diverse ownership structure, with foreign institutional investors (FIIs) holding 15.66% and domestic institutional investors (DIIs) at 17.01%. The public holds a substantial 67.33%, reflecting broad retail interest. The number of shareholders has steadily increased, reaching 404,405 in June 2025, which signifies growing investor confidence. Notably, the proportion of FIIs has fluctuated, peaking at 22.67% in September 2023 before declining, which may indicate shifting investment sentiments. The DII stakes have shown a notable increase to 18.16% by March 2025, suggesting institutional confidence in the bank’s future prospects. Such diversified ownership can enhance stability and provide a buffer against market volatility.
Outlook, Risks, and Final Insight
If Karnataka Bank continues to enhance its operational efficiencies and maintain a healthy balance sheet, it could further strengthen its market position. The potential for growth remains robust, particularly if the bank can effectively manage its NPA levels and sustain profitability margins. However, risks persist, including economic fluctuations that could impact asset quality and interest rates that may affect profitability. Additionally, the competitive landscape of the banking sector necessitates continuous innovation and customer engagement strategies. A focus on digital transformation and expanding its service offerings could mitigate some risks while capitalizing on emerging market opportunities. Overall, the bank’s ability to navigate these challenges will be critical in determining its future trajectory.
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 | 2,737 Cr. | 329 | 427/180 | 31.8 | 89.8 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,450 Cr. | 28.1 | 47.6/24.3 | 37.8 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,253 Cr. | 277 | 331/250 | 9.38 | 304 | 1.45 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 69,803 Cr. | 22.2 | 24.3/16.0 | 24.6 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 9,439 Cr. | 48.7 | 51.9/30.8 | 22.6 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 163,445.39 Cr | 408.90 | 18.68 | 235.55 | 0.64% | 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: 5.58 (Industry average Stock P/E: 18.68)
- 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 19 October 2025) is 163.18 which is 5.13% lower the current market price of 172.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 6,500 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 6,500 Cr..
What is the current Stock Price of Karnataka Bank Ltd as on 19 October 2025?
The current stock price of Karnataka Bank Ltd as on 19 October 2025 is 172.
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 5.58.
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 2.91 %.
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.