Share Price and Basic Stock Data
Last Updated: December 12, 2025, 6:53 am
| PEG Ratio | 0.46 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Karur Vysya Bank Ltd has demonstrated a consistent upward trajectory in its revenue, which has become a hallmark of its recent performance. For the financial year ending March 2025, the bank reported revenues of ₹9,678 Cr, a notable rise from ₹8,213 Cr in the previous year. The momentum is evident in its quarterly revenue figures as well, with the latest reported quarter showing a revenue of ₹2,187 Cr for March 2024, which is set to grow further in subsequent quarters. This growth trajectory is supported by a strong demand for credit, driven largely by the robust economic recovery post-pandemic. The bank’s ability to capitalize on this demand is reflected in its steady interest income, which rose to ₹5,418 Cr in FY 2025 from ₹4,395 Cr in FY 2024. With a focus on both retail and corporate lending, the bank seems well-positioned to maintain this growth, even as it navigates the competitive landscape of private sector banking.
Profitability and Efficiency Metrics
When it comes to profitability, Karur Vysya Bank has shown commendable improvements, with a net profit of ₹1,942 Cr reported for FY 2025, up from ₹1,605 Cr in FY 2024. This increase translates to an earnings per share (EPS) of ₹20.10, indicating a healthy return to shareholders. The bank’s return on equity (ROE) is another strong point, reported at 18%, showcasing its ability to generate profit from shareholder equity. The efficient management of its cost structure is further highlighted by a cost-to-income ratio that has significantly improved to 36.04%. This efficiency allows the bank to convert a larger share of its revenues into profits, a crucial factor in sustaining long-term growth. However, the financing profit margin has fluctuated, indicating that while the bank is performing well overall, it may face challenges in maintaining consistent margins across different segments.
Balance Sheet Strength and Financial Ratios
The balance sheet of Karur Vysya Bank is indicative of a robust financial position. As of March 2025, the total assets stood at ₹119,367 Cr, up from ₹105,453 Cr in the previous year, primarily driven by a surge in customer deposits which reached ₹102,078 Cr. The bank’s reserves also reflect a healthy capital base, increasing to ₹11,769 Cr, which provides a cushion against potential loan defaults. The gross non-performing assets (NPA) ratio has significantly improved, declining to 0.76%, which is well below the industry average, suggesting effective asset quality management. The bank’s return on assets (ROA) at 1.62% further highlights its ability to efficiently utilize its assets to generate earnings. However, the reliance on borrowing, which stood at ₹1,217 Cr, should be monitored closely, as it can impact the bank’s leverage and overall risk profile.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Karur Vysya Bank reveals a diverse investor base, with domestic institutional investors (DIIs) holding a significant 39.97% stake, which reflects strong institutional confidence in the bank’s growth potential. Foreign institutional investors (FIIs) have also maintained a steady presence, holding 15.81% of the shares. However, the promoter stake remains low at just 2.10%, which can be interpreted as a lack of confidence from the founding family or a strategic decision to diversify ownership. The public shareholding, at 42.11%, shows that retail investors have a substantial interest, which can be a double-edged sword. While a broad base of public shareholders can provide stability, it may also lead to volatility if market sentiments shift. The increasing number of shareholders, which rose to 2,64,784, indicates growing retail interest, further supporting the bank’s market presence.
Outlook, Risks, and Final Insight
Looking ahead, Karur Vysya Bank appears well-equipped to navigate the evolving banking landscape, but it is not without risks. The bank’s strong revenue and profit growth must be balanced against potential economic headwinds, such as rising interest rates and inflation, which could impact lending demand and asset quality. Additionally, while the decline in NPAs is encouraging, any economic downturn could reverse this trend, highlighting the importance of prudent risk management practices. Investors should also consider the bank’s low promoter stake, which may raise questions about long-term strategic direction. Overall, while the fundamentals appear strong, investors should remain vigilant about market conditions and the bank’s ability to maintain its growth trajectory amidst external challenges. A cautious but optimistic approach may be warranted as the bank continues to evolve within a competitive banking environment.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Karur Vysya 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 | 2,254 Cr. | 271 | 367/180 | 28.1 | 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 | 1,205 Cr. | 265 | 331/250 | 8.91 | 307 | 1.51 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 68,842 Cr. | 21.9 | 24.3/16.0 | 24.3 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,274 Cr. | 53.0 | 56.3/30.8 | 24.6 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 163,350.35 Cr | 416.44 | 18.27 | 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 | 1,474 | 1,579 | 1,695 | 1,768 | 1,883 | 1,997 | 2,139 | 2,187 | 2,285 | 2,384 | 2,489 | 2,516 | 2,569 |
| Interest | 728 | 758 | 806 | 876 | 986 | 1,082 | 1,138 | 1,189 | 1,260 | 1,324 | 1,407 | 1,427 | 1,489 |
| Expenses | 624 | 718 | 882 | 847 | 741 | 743 | 833 | 1,051 | 800 | 896 | 878 | 925 | 839 |
| Financing Profit | 122 | 104 | 7 | 45 | 156 | 173 | 168 | -53 | 225 | 164 | 203 | 164 | 240 |
| Financing Margin % | 8% | 7% | 0% | 3% | 8% | 9% | 8% | -2% | 10% | 7% | 8% | 7% | 9% |
| Other Income | 199 | 242 | 317 | 401 | 333 | 339 | 358 | 626 | 388 | 472 | 465 | 509 | 447 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 321 | 345 | 325 | 446 | 489 | 512 | 526 | 574 | 613 | 636 | 668 | 674 | 687 |
| Tax % | 29% | 28% | 11% | 24% | 27% | 26% | 22% | 20% | 25% | 26% | 26% | 24% | 24% |
| Net Profit | 229 | 250 | 289 | 338 | 359 | 378 | 412 | 456 | 459 | 474 | 496 | 513 | 521 |
| EPS in Rs | 2.86 | 3.13 | 3.61 | 4.21 | 4.47 | 4.72 | 5.12 | 5.67 | 5.70 | 5.89 | 6.16 | 6.38 | 6.48 |
| Gross NPA % | 5.28% | 4.02% | 2.70% | 2.27% | 1.99% | 1.73% | 1.58% | 1.40% | 1.32% | 1.10% | 0.83% | 0.76% | 0.66% |
| Net NPA % | 1.93% | 1.38% | 0.90% | 0.74% | 0.59% | 0.47% | 0.42% | 0.40% | 0.38% | 0.28% | 0.20% | 0.20% | 0.19% |
Last Updated: August 1, 2025, 6:30 pm
Below is a detailed analysis of the quarterly data for Karur Vysya 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 1,489.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,427.00 Cr. (Mar 2025) to 1,489.00 Cr., marking an increase of 62.00 Cr..
- For Expenses, as of Jun 2025, the value is 839.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 925.00 Cr. (Mar 2025) to 839.00 Cr., marking a decrease of 86.00 Cr..
- For Other Income, as of Jun 2025, the value is 447.00 Cr.. The value appears to be declining and may need further review. It has decreased from 509.00 Cr. (Mar 2025) to 447.00 Cr., marking a decrease of 62.00 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 687.00 Cr.. The value appears strong and on an upward trend. It has increased from 674.00 Cr. (Mar 2025) to 687.00 Cr., marking an increase of 13.00 Cr..
- For Tax %, as of Jun 2025, the value is 24.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 24.00%.
- For Net Profit, as of Jun 2025, the value is 521.00 Cr.. The value appears strong and on an upward trend. It has increased from 513.00 Cr. (Mar 2025) to 521.00 Cr., marking an increase of 8.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 6.48. The value appears strong and on an upward trend. It has increased from 6.38 (Mar 2025) to 6.48, marking an increase of 0.10.
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, 5:01 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 | 5,116 | 5,396 | 5,443 | 5,622 | 5,700 | 5,816 | 5,990 | 5,470 | 5,588 | 6,517 | 8,213 | 9,678 | 9,957 |
| Interest | 3,832 | 3,930 | 3,662 | 3,549 | 3,402 | 3,453 | 3,642 | 3,111 | 2,872 | 3,168 | 4,395 | 5,418 | 5,647 |
| Expenses | 1,378 | 1,503 | 1,494 | 1,887 | 2,609 | 2,902 | 3,112 | 2,620 | 2,434 | 2,965 | 3,267 | 3,385 | 3,538 |
| Financing Profit | -94 | -37 | 288 | 187 | -311 | -539 | -764 | -260 | 281 | 384 | 551 | 875 | 772 |
| Financing Margin % | -2% | -1% | 5% | 3% | -5% | -9% | -13% | -5% | 5% | 6% | 7% | 9% | 8% |
| Other Income | 564 | 590 | 707 | 782 | 900 | 963 | 1,155 | 919 | 769 | 1,159 | 1,649 | 1,830 | 1,893 |
| Depreciation | 75 | 81 | 83 | 86 | 85 | 101 | 119 | 124 | 119 | 106 | 100 | 114 | 0 |
| Profit before tax | 395 | 471 | 912 | 883 | 504 | 322 | 272 | 534 | 931 | 1,437 | 2,100 | 2,591 | 2,665 |
| Tax % | -9% | 2% | 38% | 31% | 31% | 35% | 14% | 33% | 28% | 23% | 24% | 25% | |
| Net Profit | 430 | 464 | 568 | 606 | 346 | 211 | 235 | 359 | 673 | 1,106 | 1,605 | 1,942 | 2,004 |
| EPS in Rs | 5.20 | 4.95 | 6.05 | 6.46 | 3.60 | 2.20 | 2.45 | 3.75 | 7.01 | 11.49 | 16.63 | 20.10 | 20.75 |
| Dividend Payout % | 32% | 34% | 30% | 26% | 13% | 23% | 0% | 11% | 19% | 14% | 12% | 11% |
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 (%) | 7.91% | 22.41% | 6.69% | -42.90% | -39.02% | 11.37% | 52.77% | 87.47% | 64.34% | 45.12% | 21.00% |
| Change in YoY Net Profit Growth (%) | 0.00% | 14.51% | -15.72% | -49.59% | 3.89% | 50.39% | 41.39% | 34.70% | -23.13% | -19.22% | -24.12% |
Karur Vysya 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: | 6% |
| 5 Years: | 10% |
| 3 Years: | 20% |
| TTM: | 16% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 16% |
| 5 Years: | 52% |
| 3 Years: | 42% |
| TTM: | 18% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 13% |
| 5 Years: | 45% |
| 3 Years: | 50% |
| 1 Year: | 11% |
| Return on Equity | |
|---|---|
| 10 Years: | 11% |
| 5 Years: | 13% |
| 3 Years: | 16% |
| Last Year: | 18% |
Last Updated: September 5, 2025, 8:50 am
Balance Sheet
Last Updated: December 4, 2025, 1:31 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 | 107 | 122 | 122 | 122 | 145 | 160 | 160 | 160 | 160 | 160 | 161 | 161 | 193 |
| Reserves | 3,219 | 4,124 | 4,451 | 4,914 | 6,119 | 6,263 | 6,440 | 6,800 | 7,436 | 8,424 | 9,879 | 11,769 | 12,603 |
| Deposits | 43,908 | 44,840 | 50,079 | 53,700 | 56,890 | 59,868 | 59,075 | 63,278 | 68,486 | 76,638 | 89,113 | 102,078 | 110,492 |
| Borrowing | 3,143 | 2,751 | 2,894 | 1,696 | 2,394 | 1,565 | 1,184 | 2,528 | 1,339 | 1,432 | 2,478 | 1,217 | 2,517 |
| Other Liabilities | 1,166 | 1,315 | 1,439 | 1,376 | 1,393 | 1,484 | 1,419 | 1,857 | 2,650 | 3,526 | 3,822 | 4,143 | 4,294 |
| Total Liabilities | 51,543 | 53,152 | 58,985 | 61,808 | 66,941 | 69,340 | 68,278 | 74,623 | 80,071 | 90,179 | 105,453 | 119,367 | 130,099 |
| Fixed Assets | 376 | 395 | 417 | 411 | 475 | 545 | 563 | 518 | 464 | 418 | 412 | 451 | 512 |
| CWIP | 9 | 17 | 4 | 8 | 53 | 38 | 23 | 21 | 15 | 17 | 20 | 39 | 0 |
| Investments | 13,247 | 12,375 | 14,443 | 14,857 | 15,803 | 14,882 | 15,762 | 16,019 | 17,216 | 18,808 | 22,344 | 23,831 | 27,824 |
| Other Assets | 37,911 | 40,366 | 44,122 | 46,532 | 50,610 | 53,876 | 51,929 | 58,065 | 62,377 | 70,936 | 82,677 | 95,046 | 101,764 |
| Total Assets | 51,543 | 53,152 | 58,985 | 61,808 | 66,941 | 69,340 | 68,278 | 74,623 | 80,071 | 90,179 | 105,453 | 119,367 | 130,099 |
Below is a detailed analysis of the balance sheet data for Karur Vysya 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 193.00 Cr.. The value appears strong and on an upward trend. It has increased from 161.00 Cr. (Mar 2025) to 193.00 Cr., marking an increase of 32.00 Cr..
- For Reserves, as of Sep 2025, the value is 12,603.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,769.00 Cr. (Mar 2025) to 12,603.00 Cr., marking an increase of 834.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 4,294.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4,143.00 Cr. (Mar 2025) to 4,294.00 Cr., marking an increase of 151.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 130,099.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 119,367.00 Cr. (Mar 2025) to 130,099.00 Cr., marking an increase of 10,732.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 512.00 Cr.. The value appears strong and on an upward trend. It has increased from 451.00 Cr. (Mar 2025) to 512.00 Cr., marking an increase of 61.00 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 39.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 39.00 Cr..
- For Investments, as of Sep 2025, the value is 27,824.00 Cr.. The value appears strong and on an upward trend. It has increased from 23,831.00 Cr. (Mar 2025) to 27,824.00 Cr., marking an increase of 3,993.00 Cr..
- For Other Assets, as of Sep 2025, the value is 101,764.00 Cr.. The value appears strong and on an upward trend. It has increased from 95,046.00 Cr. (Mar 2025) to 101,764.00 Cr., marking an increase of 6,718.00 Cr..
- For Total Assets, as of Sep 2025, the value is 130,099.00 Cr.. The value appears strong and on an upward trend. It has increased from 119,367.00 Cr. (Mar 2025) to 130,099.00 Cr., marking an increase of 10,732.00 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 | -42.00 | -43.00 | -49.00 | -52.00 | -54.00 | -57.00 | -56.00 | -61.00 | -66.00 | -74.00 | -86.00 | -99.00 |
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 % | 13% | 12% | 13% | 13% | 6% | 3% | 4% | 5% | 9% | 14% | 17% | 18% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| HDFC Mid Cap Fund | 39,702,000 | 1.08 | 965.35 | N/A | N/A | N/A |
| Nippon India Small Cap Fund | 38,140,874 | 1.34 | 927.4 | 31,784,062 | 2025-12-08 03:16:30 | 20% |
| HDFC Focused Fund | 18,600,000 | 1.8 | 452.26 | N/A | N/A | N/A |
| HSBC Value Fund | 15,797,160 | 2.68 | 384.11 | 13,164,300 | 2025-12-08 03:16:30 | 20% |
| HSBC Small Cap Fund | 14,559,929 | 2.14 | 354.02 | N/A | N/A | N/A |
| Canara Robeco Small Cap Fund | 12,312,617 | 2.25 | 299.38 | N/A | N/A | N/A |
| Axis Small Cap Fund | 12,132,840 | 1.09 | 295.01 | N/A | N/A | N/A |
| Axis ELSS Tax Saver Fund | 9,996,152 | 0.69 | 243.06 | N/A | N/A | N/A |
| Invesco India Smallcap Fund | 9,679,612 | 2.7 | 235.36 | N/A | N/A | N/A |
| Franklin India Small Cap Fund | 7,429,078 | 1.31 | 180.64 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 24.13 | 19.99 | 13.81 | 8.42 | 4.50 |
| Diluted EPS (Rs.) | 24.12 | 19.97 | 13.78 | 8.41 | 4.50 |
| Cash EPS (Rs.) | 24.12 | 21.20 | 15.11 | 9.91 | 6.05 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 148.17 | 124.82 | 107.03 | 94.95 | 87.07 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 148.17 | 124.82 | 107.03 | 94.95 | 87.07 |
| Dividend / Share (Rs.) | 0.00 | 2.40 | 2.00 | 1.60 | 0.50 |
| Operating Revenue / Share (Rs.) | 120.21 | 101.99 | 81.25 | 69.84 | 68.44 |
| Net Profit / Share (Rs.) | 24.12 | 19.95 | 13.79 | 8.42 | 4.50 |
| Interest Income / Employee (Rs.) | 0.00 | 9030207.04 | 8393289.03 | 8264566.93 | 7062260.52 |
| Net Profit / Employee (Rs.) | 0.00 | 1766436.76 | 1424641.68 | 995810.24 | 463967.60 |
| Business / Employee (Rs.) | 0.00 | 179174689.60 | 180025404.43 | 183420765.86 | 146710482.57 |
| Interest Income / Branch (Rs.) | 0.00 | 97899082.34 | 81558818.52 | 67976565.69 | 67452860.67 |
| Net Profit / Branches (Rs.) | 0.00 | 19150451.07 | 13843451.81 | 8190599.76 | 4431434.03 |
| Business / Branches (Rs.) | 0.00 | 1942484552.51 | 1749333216.52 | 1508646956.20 | 1401256964.24 |
| Net Profit Margin (%) | 20.06 | 19.56 | 16.97 | 12.04 | 6.56 |
| Operating Profit Margin (%) | 31.88 | 29.34 | 24.53 | 19.32 | 10.52 |
| Return On Assets (%) | 1.62 | 1.51 | 1.22 | 0.84 | 0.48 |
| Return On Equity / Networth (%) | 16.27 | 15.98 | 12.88 | 8.86 | 5.16 |
| Net Interest Margin (X) | 3.56 | 3.60 | 3.71 | 3.39 | 3.16 |
| Cost To Income (%) | 36.04 | 48.25 | 45.07 | 53.21 | 58.15 |
| Interest Income / Total Assets (%) | 8.10 | 7.76 | 7.22 | 6.98 | 7.33 |
| Non-Interest Income / Total Assets (%) | 1.53 | 1.57 | 1.28 | 0.96 | 1.41 |
| Operating Profit / Total Assets (%) | 0.09 | -0.05 | -0.05 | -0.11 | -0.93 |
| Operating Expenses / Total Assets (%) | 2.41 | 2.49 | 2.25 | 2.31 | 2.66 |
| Interest Expenses / Total Assets (%) | 4.53 | 4.16 | 3.51 | 3.58 | 4.16 |
| Enterprise Value (Rs.Cr.) | 112775.42 | 100695.09 | 82147.51 | 70125.05 | 67134.89 |
| EV Per Net Sales (X) | 11.65 | 12.27 | 12.61 | 12.55 | 12.27 |
| Price To Book Value (X) | 1.41 | 1.46 | 0.97 | 0.48 | 0.63 |
| Price To Sales (X) | 1.74 | 1.79 | 1.28 | 0.66 | 0.81 |
| Retention Ratios (%) | 100.00 | 89.99 | 88.42 | 94.06 | 100.00 |
| Earnings Yield (X) | 0.11 | 0.10 | 0.13 | 0.18 | 0.08 |
After reviewing the key financial ratios for Karur Vysya 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 24.13. This value is within the healthy range. It has increased from 19.99 (Mar 24) to 24.13, marking an increase of 4.14.
- For Diluted EPS (Rs.), as of Mar 25, the value is 24.12. This value is within the healthy range. It has increased from 19.97 (Mar 24) to 24.12, marking an increase of 4.15.
- For Cash EPS (Rs.), as of Mar 25, the value is 24.12. This value is within the healthy range. It has increased from 21.20 (Mar 24) to 24.12, marking an increase of 2.92.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 148.17. It has increased from 124.82 (Mar 24) to 148.17, marking an increase of 23.35.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 148.17. It has increased from 124.82 (Mar 24) to 148.17, marking an increase of 23.35.
- For Dividend / Share (Rs.), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 1. It has decreased from 2.40 (Mar 24) to 0.00, marking a decrease of 2.40.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 24.12. This value is within the healthy range. It has increased from 19.95 (Mar 24) to 24.12, marking an increase of 4.17.
- For Net Profit Margin (%), as of Mar 25, the value is 20.06. This value exceeds the healthy maximum of 10. It has increased from 19.56 (Mar 24) to 20.06, marking an increase of 0.50.
- For Return On Assets (%), as of Mar 25, the value is 1.62. This value is below the healthy minimum of 5. It has increased from 1.51 (Mar 24) to 1.62, marking an increase of 0.11.
- For Retention Ratios (%), as of Mar 25, the value is 100.00. This value exceeds the healthy maximum of 70. It has increased from 89.99 (Mar 24) to 100.00, marking an increase of 10.01.
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 Karur Vysya Bank Ltd:
- Net Profit Margin: 20.06%
- 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: 11.1 (Industry average Stock P/E: 18.27)
- 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: 20.06%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | No. 20, Erode Road, Vadivel Nagar, Karur Tamil Nadu 639002 | kvb_sig@kvbmail.com http://www.kvb.co.in |
| Management | |
|---|---|
| Name | Position Held |
| Dr. Meena Hemchandra | Non Exe. Ind. Part Time Chairman |
| Mr. B Ramesh Babu | Managing Director & CEO |
| Mr. J Natarajan | Executive Director |
| Mr. R Ramkumar | Non Exe.Non Ind.Director |
| Mr. K G Mohan | Ind. Non-Executive Director |
| Dr. R Harshavardhan | Ind. Non-Executive Director |
| Mr. R Vidhya Shankar | Ind. Non-Executive Director |
| Mr. Murali Ramaswami | Ind. Non-Executive Director |
| CA. Chinnasamy Ganesan | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of Karur Vysya Bank Ltd?
Karur Vysya Bank Ltd's intrinsic value (as of 12 December 2025) is 208.16 which is 13.98% lower the current market price of 242.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 23,357 Cr. market cap, FY2025-2026 high/low of 258/154, reserves of ₹12,603 Cr, and liabilities of 130,099 Cr.
What is the Market Cap of Karur Vysya Bank Ltd?
The Market Cap of Karur Vysya Bank Ltd is 23,357 Cr..
What is the current Stock Price of Karur Vysya Bank Ltd as on 12 December 2025?
The current stock price of Karur Vysya Bank Ltd as on 12 December 2025 is 242.
What is the High / Low of Karur Vysya Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Karur Vysya Bank Ltd stocks is 258/154.
What is the Stock P/E of Karur Vysya Bank Ltd?
The Stock P/E of Karur Vysya Bank Ltd is 11.1.
What is the Book Value of Karur Vysya Bank Ltd?
The Book Value of Karur Vysya Bank Ltd is 132.
What is the Dividend Yield of Karur Vysya Bank Ltd?
The Dividend Yield of Karur Vysya Bank Ltd is 0.90 %.
What is the ROCE of Karur Vysya Bank Ltd?
The ROCE of Karur Vysya Bank Ltd is 7.38 %.
What is the ROE of Karur Vysya Bank Ltd?
The ROE of Karur Vysya Bank Ltd is 17.6 %.
What is the Face Value of Karur Vysya Bank Ltd?
The Face Value of Karur Vysya Bank Ltd is 2.00.