Share Price and Basic Stock Data
Last Updated: November 12, 2025, 3:29 pm
| PEG Ratio | 0.47 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Karur Vysya Bank Ltd operates within the private sector banking industry and reported a current market capitalization of ₹24,057 Cr. The bank’s revenue has shown a consistent upward trajectory, increasing from ₹1,474 Cr in June 2022 to ₹1,997 Cr by September 2023. This represents a growth of approximately 35.5% over this period. The quarterly revenue further escalated to ₹2,139 Cr by December 2023, and is projected to reach ₹2,516 Cr by March 2025. This steady revenue growth reflects the bank’s effective expansion strategies and increasing market penetration. The bank’s total revenue for the fiscal year ending March 2025 stood at ₹9,678 Cr, marking a significant increase from ₹6,517 Cr in March 2023. Such growth positions Karur Vysya Bank favorably within the competitive landscape of Indian private sector banks, where revenue growth rates typically range between 10-15% annually.
Profitability and Efficiency Metrics
In terms of profitability, Karur Vysya Bank reported a net profit of ₹2,004 Cr for the fiscal year ending March 2025, up from ₹1,106 Cr in March 2023, demonstrating a robust growth of 81.4%. The bank’s net profit margin improved to 20.06% in March 2025, which is significantly higher than the typical sector average, indicating effective cost management and revenue generation strategies. The return on equity (ROE) stood at 17.6%, surpassing many of its peers in the private banking sector, which often see ROE figures around 12-15%. Moreover, the bank’s financing margin was recorded at 9% for the quarter ending June 2025, reflecting a solid operational efficiency. However, the operating profit margin remains unreported, signaling a potential area for improvement in operational management.
Balance Sheet Strength and Financial Ratios
Karur Vysya Bank’s balance sheet reflects a strong financial position with total assets reported at ₹119,367 Cr as of March 2025, up from ₹90,179 Cr in March 2023. This growth is supported by an increase in deposits, which rose to ₹102,078 Cr, illustrating customer confidence in the bank. The bank’s gross NPA ratio has shown a marked improvement, declining to 0.76% by March 2025 from 5.28% in June 2022, indicating effective asset quality management. The capital adequacy ratio is also expected to remain robust, enhancing the bank’s capacity to absorb potential losses. Additionally, the price to book value ratio stood at 1.41, reflecting investor confidence and a strong valuation relative to its book value. However, the reported reserves of ₹11,769 Cr may indicate a need for increased capital provisioning to support future growth initiatives.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Karur Vysya Bank illustrates a diverse ownership structure, with public shareholders holding 43% of the equity, while foreign institutional investors (FIIs) accounted for 15.41% and domestic institutional investors (DIIs) represented 39.47% as of June 2025. This distribution indicates a balanced investor base, which can provide stability during market fluctuations. The promoter holding, however, has declined to 2.10%, which could raise concerns about long-term strategic alignment and commitment. The total number of shareholders also increased to 2,52,957, reflecting growing retail interest in the bank. Such a diverse shareholding pattern typically signals robust investor confidence, although the declining promoter stake might warrant scrutiny regarding future governance and control.
Outlook, Risks, and Final Insight
Looking ahead, Karur Vysya Bank is well-positioned to capitalize on its revenue and profitability growth, supported by a strong balance sheet and a favorable operating environment. However, risks include potential fluctuations in interest rates and economic downturns that could affect asset quality and profitability. Additionally, the declining promoter shareholding could impact strategic decision-making and investor confidence. While the bank’s strong growth metrics suggest a positive trajectory, it must focus on maintaining asset quality and enhancing operational efficiency to sustain its competitive advantage. With a commitment to improving governance and capital adequacy, the bank can navigate potential challenges while leveraging its current strengths for future growth.
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 | 2,252 Cr. | 271 | 372/180 | 28.1 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,430 Cr. | 27.7 | 43.6/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,231 Cr. | 272 | 331/250 | 9.10 | 307 | 1.47 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,002 Cr. | 22.6 | 24.3/16.0 | 25.0 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 9,887 Cr. | 51.0 | 54.6/30.8 | 23.7 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,294.17 Cr | 411.79 | 18.29 | 239.71 | 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 | 1,474 | 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: August 11, 2025, 2:11 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 | 107 | 122 | 122 | 122 | 145 | 160 | 160 | 160 | 160 | 160 | 161 | 161 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| Fixed Assets | 376 | 395 | 417 | 411 | 475 | 545 | 563 | 518 | 464 | 418 | 412 | 451 |
| CWIP | 9 | 17 | 4 | 8 | 53 | 38 | 23 | 21 | 15 | 17 | 20 | 39 |
| 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Karur Vysya 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 161.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 161.00 Cr..
- For Reserves, as of Mar 2025, the value is 11,769.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,879.00 Cr. (Mar 2024) to 11,769.00 Cr., marking an increase of 1,890.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 4,143.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,822.00 Cr. (Mar 2024) to 4,143.00 Cr., marking an increase of 321.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 119,367.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 105,453.00 Cr. (Mar 2024) to 119,367.00 Cr., marking an increase of 13,914.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 451.00 Cr.. The value appears strong and on an upward trend. It has increased from 412.00 Cr. (Mar 2024) to 451.00 Cr., marking an increase of 39.00 Cr..
- For CWIP, as of Mar 2025, the value is 39.00 Cr.. The value appears strong and on an upward trend. It has increased from 20.00 Cr. (Mar 2024) to 39.00 Cr., marking an increase of 19.00 Cr..
- For Investments, as of Mar 2025, the value is 23,831.00 Cr.. The value appears strong and on an upward trend. It has increased from 22,344.00 Cr. (Mar 2024) to 23,831.00 Cr., marking an increase of 1,487.00 Cr..
- For Other Assets, as of Mar 2025, the value is 95,046.00 Cr.. The value appears strong and on an upward trend. It has increased from 82,677.00 Cr. (Mar 2024) to 95,046.00 Cr., marking an increase of 12,369.00 Cr..
- For Total Assets, as of Mar 2025, the value is 119,367.00 Cr.. The value appears strong and on an upward trend. It has increased from 105,453.00 Cr. (Mar 2024) to 119,367.00 Cr., marking an increase of 13,914.00 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 Opportunities Fund - Regular Plan | 33,085,000 | 0.99 | 473.45 | 33,085,000 | 2025-04-22 13:31:13 | 0% |
| Nippon India Small Cap Fund | 31,784,062 | 1.22 | 454.83 | 31,784,062 | 2025-04-22 17:25:29 | 0% |
| Franklin India Smaller Companies Fund | 15,898,917 | 2.35 | 227.51 | 15,898,917 | 2025-04-22 02:06:43 | 0% |
| HSBC Value Fund | 13,164,300 | 2.03 | 188.38 | 13,164,300 | 2025-04-22 17:25:29 | 0% |
| SBI Banking & Financial Services Fund | 10,635,167 | 3.59 | 152.19 | 10,635,167 | 2025-04-22 17:01:01 | 0% |
| HSBC Small Cap Fund - Regular Plan | 9,912,400 | 1.23 | 141.85 | 9,912,400 | 2025-04-22 17:25:29 | 0% |
| UTI Mid Cap Fund | 7,387,599 | 1.21 | 105.72 | 7,387,599 | 2025-04-22 17:25:29 | 0% |
| Franklin India Prima Fund | 5,630,441 | 0.95 | 80.57 | 5,630,441 | 2025-04-22 17:25:29 | 0% |
| HSBC Aggressive Hybrid Fund | 4,793,700 | 1.44 | 68.6 | 4,793,700 | 2025-04-22 17:25:29 | 0% |
| SBI Multicap Fund | 4,109,413 | 0.45 | 58.81 | 4,109,413 | 2025-04-22 17:25:29 | 0% |
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: 11.4 (Industry average Stock P/E: 15.9)
- 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 November 2025) is 199.17 which is 20.33% lower the current market price of 250.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 24,156 Cr. market cap, FY2025-2026 high/low of 258/154, reserves of ₹11,769 Cr, and liabilities of 119,367 Cr.
What is the Market Cap of Karur Vysya Bank Ltd?
The Market Cap of Karur Vysya Bank Ltd is 24,156 Cr..
What is the current Stock Price of Karur Vysya Bank Ltd as on 12 November 2025?
The current stock price of Karur Vysya Bank Ltd as on 12 November 2025 is 250.
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 11.4.
What is the Book Value of Karur Vysya Bank Ltd?
The Book Value of Karur Vysya Bank Ltd is 123.
What is the Dividend Yield of Karur Vysya Bank Ltd?
The Dividend Yield of Karur Vysya Bank Ltd is 0.88 %.
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.