Karur Vysya Bank Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 10, 2025, 10:49 am

Market Cap	16,415 Cr.
Current Price	204
High / Low	246/164
Stock P/E	8.71
Book Value	135
Dividend Yield	1.18 %
ROCE	6.89 %
ROE	17.2 %
Face Value	2.00
PEG Ratio	0.22

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Karur Vysya Bank Ltd

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	1,711 Cr.	206	467/180	18.2	80.6	0.00 %	7.07 %	14.4 %	10.0
Yes Bank Ltd	53,804 Cr.	17.2	28.6/16.0	24.8	15.0	0.00 %	5.81 %	3.11 %	2.00
Ujjivan Small Finance Bank Ltd	7,552 Cr.	39.0	56.2/30.8	7.77	30.0	3.84 %	11.1 %	26.7 %	10.0
South Indian Bank Ltd	6,112 Cr.	23.4	31.8/22.1	4.90	37.2	1.28 %	6.19 %	13.8 %	1.00
Karnataka Bank Ltd	6,830 Cr.	181	245/162	5.28	306	3.04 %	6.24 %	13.7 %	10.0
Industry Average	158,183.38 Cr	422.19		13.39	244.61	1.07%	7.14%	13.99%	6.14

All Competitor Stocks of Karur Vysya Bank Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	1,405	1,409	1,474	1,579	1,695	1,768	1,883	1,997	2,139	2,185	2,285	2,384	2,486
Interest	717	699	728	758	806	876	986	1,082	1,138	1,189	1,260	1,324	1,407
Expenses	627	614	624	718	882	847	741	743	833	1,051	800	896	878
Financing Profit	60	96	122	104	7	45	156	173	168	-55	225	164	200
Financing Margin %	4%	7%	8%	7%	0%	3%	8%	9%	8%	-3%	10%	7%	8%
Other Income	196	205	199	242	317	401	333	339	358	629	388	472	467
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	255	301	321	345	325	446	489	512	526	574	613	636	668
Tax %	27%	29%	29%	28%	11%	24%	27%	26%	22%	20%	25%	26%	26%
Net Profit	185	213	229	250	289	338	359	378	412	456	459	474	496
EPS in Rs	2.32	2.67	2.86	3.13	3.61	4.21	4.47	4.72	5.12	5.67	5.70	5.89	6.16
Gross NPA %	6.97%	6.03%	5.28%	4.02%	2.70%	2.27%	1.99%	1.73%	1.58%	1.40%	1.32%	1.10%	0.83%
Net NPA %	2.55%	2.31%	1.93%	1.38%	0.90%	0.74%	0.59%	0.47%	0.42%	0.40%	0.38%	0.28%	0.20%

Last Updated: February 28, 2025, 6:56 pm

Below is a detailed analysis of the quarterly data for Karur Vysya Bank Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is 1,407.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,324.00 Cr. (Sep 2024) to 1,407.00 Cr., marking an increase of 83.00 Cr..
For Expenses, as of Dec 2024, the value is 878.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 896.00 Cr. (Sep 2024) to 878.00 Cr., marking a decrease of 18.00 Cr..
For Other Income, as of Dec 2024, the value is 467.00 Cr.. The value appears to be declining and may need further review. It has decreased from 472.00 Cr. (Sep 2024) to 467.00 Cr., marking a decrease of 5.00 Cr..
For Depreciation, as of Dec 2024, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Profit before tax, as of Dec 2024, the value is 668.00 Cr.. The value appears strong and on an upward trend. It has increased from 636.00 Cr. (Sep 2024) to 668.00 Cr., marking an increase of 32.00 Cr..
For Tax %, as of Dec 2024, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 26.00%.
For Net Profit, as of Dec 2024, the value is 496.00 Cr.. The value appears strong and on an upward trend. It has increased from 474.00 Cr. (Sep 2024) to 496.00 Cr., marking an increase of 22.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 6.16. The value appears strong and on an upward trend. It has increased from 5.89 (Sep 2024) to 6.16, marking an increase of 0.27.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 7, 2025, 7:46 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	4,242	5,116	5,396	5,443	5,622	5,700	5,816	5,990	5,470	5,588	6,517	8,204	9,339
Interest	3,084	3,832	3,930	3,662	3,549	3,402	3,453	3,642	3,111	2,872	3,168	4,395	5,181
Expenses	829	1,378	1,503	1,494	1,887	2,609	2,902	3,112	2,620	2,434	2,965	3,267	3,625
Financing Profit	329	-94	-37	288	187	-311	-539	-764	-260	281	384	542	534
Financing Margin %	8%	-2%	-1%	5%	3%	-5%	-9%	-13%	-5%	5%	6%	7%	6%
Other Income	453	564	590	707	782	900	963	1,155	919	769	1,159	1,659	1,957
Depreciation	56	75	81	83	86	85	101	119	124	119	106	100	0
Profit before tax	725	395	471	912	883	504	322	272	534	931	1,437	2,100	2,491
Tax %	24%	-9%	2%	38%	31%	31%	35%	14%	33%	28%	23%	24%
Net Profit	550	430	464	568	606	346	211	235	359	673	1,106	1,605	1,884
EPS in Rs	8.00	6.24	5.95	7.25	7.75	4.32	2.64	2.94	4.50	8.42	13.79	19.95	23.42
Dividend Payout %	27%	32%	34%	30%	26%	13%	23%	0%	11%	19%	14%	12%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	-21.82%	7.91%	22.41%	6.69%	-42.90%	-39.02%	11.37%	52.77%	87.47%	64.34%	45.12%
Change in YoY Net Profit Growth (%)	0.00%	29.73%	14.51%	-15.72%	-49.59%	3.89%	50.39%	41.39%	34.70%	-23.13%	-19.22%

Karur Vysya Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	5%
5 Years:	7%
3 Years:	14%
TTM:	20%

Compounded Profit Growth
10 Years:	14%
5 Years:	50%
3 Years:	64%
TTM:	27%

Stock Price CAGR
10 Years:	9%
5 Years:	50%
3 Years:	61%
1 Year:	9%

Return on Equity
10 Years:	10%
5 Years:	10%
3 Years:	14%
Last Year:	17%

Last Updated: Unknown

Balance Sheet

Last Updated: March 28, 2025, 3:02 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	107	107	122	122	122	145	160	160	160	160	160	161	161
Reserves	2,978	3,219	4,124	4,451	4,914	6,119	6,263	6,440	6,800	7,436	8,424	9,879	10,740
Deposits	38,803	43,908	44,840	50,079	53,700	56,890	59,868	59,075	63,278	68,486	76,638	89,113	95,839
Borrowing	3,849	3,143	2,751	2,894	1,696	2,394	1,565	1,184	2,528	1,339	1,432	2,478	1,418
Other Liabilities	996	1,166	1,315	1,439	1,376	1,393	1,484	1,419	1,857	2,650	3,526	3,954	4,416
Total Liabilities	46,733	51,543	53,152	58,985	61,808	66,941	69,340	68,278	74,623	80,071	90,179	105,585	112,573
Fixed Assets	320	376	395	417	411	475	545	563	518	464	418	412	463
CWIP	2	9	17	4	8	53	38	23	21	15	17	20	0
Investments	13,837	13,247	12,375	14,443	14,857	15,803	14,882	15,762	16,019	17,216	18,808	22,344	23,214
Other Assets	32,574	37,911	40,366	44,122	46,532	50,610	53,876	51,929	58,065	62,377	70,936	82,809	88,896
Total Assets	46,733	51,543	53,152	58,985	61,808	66,941	69,340	68,278	74,623	80,071	90,179	105,585	112,573

Below is a detailed analysis of the balance sheet data for Karur Vysya Bank Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, 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 Sep 2024, the value is ₹10,740.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,879.00 Cr. (Mar 2024) to ₹10,740.00 Cr., marking an increase of 861.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹4,416.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,954.00 Cr. (Mar 2024) to ₹4,416.00 Cr., marking an increase of 462.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹112,573.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 105,585.00 Cr. (Mar 2024) to ₹112,573.00 Cr., marking an increase of 6,988.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹463.00 Cr.. The value appears strong and on an upward trend. It has increased from 412.00 Cr. (Mar 2024) to ₹463.00 Cr., marking an increase of 51.00 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 20.00 Cr. (Mar 2024) to ₹0.00 Cr., marking a decrease of 20.00 Cr..
For Investments, as of Sep 2024, the value is ₹23,214.00 Cr.. The value appears strong and on an upward trend. It has increased from 22,344.00 Cr. (Mar 2024) to ₹23,214.00 Cr., marking an increase of 870.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹88,896.00 Cr.. The value appears strong and on an upward trend. It has increased from 82,809.00 Cr. (Mar 2024) to ₹88,896.00 Cr., marking an increase of 6,087.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹112,573.00 Cr.. The value appears strong and on an upward trend. It has increased from 105,585.00 Cr. (Mar 2024) to ₹112,573.00 Cr., marking an increase of 6,988.00 Cr..

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	82	1,184	-309	580	1,611	-550	-1,576	2,504	3,366	295	1,217	2,954
Cash from Investing Activity +	-133	-113	-102	-92	-84	-170	549	-1,535	-1,379	-1,594	-1,270	-1,296
Cash from Financing Activity +	-188	-189	482	-346	-74	683	414	-274	-59	-96	-178	-694
Net Cash Flow	-239	882	71	143	1,453	-36	-612	696	1,928	-1,394	-231	963

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	791.00	-42.00	-43.00	-49.00	-52.00	-54.00	-57.00	-56.00	-61.00	-66.00	-74.00	-86.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %	19%	13%	12%	13%	13%	6%	3%	4%	5%	9%	14%	17%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	2.28%	2.28%	2.26%	2.25%	2.24%	2.24%	2.24%	2.22%	2.20%	2.15%	2.13%	2.13%
FIIs	15.35%	15.43%	16.49%	17.03%	17.93%	17.90%	18.09%	15.61%	15.38%	15.11%	15.10%	14.80%
DIIs	21.88%	22.75%	25.17%	30.73%	30.80%	32.10%	32.29%	35.16%	36.22%	35.68%	37.01%	38.47%
Government	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.02%	0.02%	0.00%	0.00%	0.00%
Public	60.49%	59.54%	56.08%	49.98%	49.02%	47.77%	47.38%	47.00%	46.19%	47.07%	45.76%	44.60%
No. of Shareholders	2,02,252	2,00,256	2,03,830	2,07,878	2,09,188	2,07,639	2,22,316	2,32,052	2,45,953	2,58,964	2,57,300	2,60,387

Shareholding Pattern Chart

No. of Shareholders

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	N/A	N/A	N/A
Nippon India Small Cap Fund	31,784,062	1.22	454.83	N/A	N/A	N/A
Franklin India Smaller Companies Fund	15,898,917	2.35	227.51	N/A	N/A	N/A
HSBC Value Fund	13,164,300	2.03	188.38	N/A	N/A	N/A
SBI Banking & Financial Services Fund	10,635,167	3.59	152.19	N/A	N/A	N/A
HSBC Small Cap Fund - Regular Plan	9,912,400	1.23	141.85	N/A	N/A	N/A
UTI Mid Cap Fund	7,387,599	1.21	105.72	N/A	N/A	N/A
Franklin India Prima Fund	5,630,441	0.95	80.57	N/A	N/A	N/A
HSBC Aggressive Hybrid Fund	4,793,700	1.44	68.6	N/A	N/A	N/A
SBI Multicap Fund	4,109,413	0.45	58.81	N/A	N/A	N/A

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
Face Value	2.00	2.00	2.00	2.00	2.00
Basic EPS (Rs.)	19.99	13.81	8.42	4.50	2.94
Diluted EPS (Rs.)	19.97	13.78	8.41	4.50	2.94
Cash EPS (Rs.)	21.20	15.11	9.91	6.05	4.43
Book Value[Excl.RevalReserv]/Share (Rs.)	124.82	107.03	94.95	87.07	82.57
Book Value[Incl.RevalReserv]/Share (Rs.)	124.82	107.03	94.95	87.07	82.57
Dividend / Share (Rs.)	2.40	2.00	1.60	0.50	0.00
Operating Revenue / Share (Rs.)	101.99	81.25	69.84	68.44	74.94
Net Profit / Share (Rs.)	19.95	13.79	8.42	4.50	2.94
Interest Income / Employee (Rs.)	9030207.04	8393289.03	8264566.93	7062260.52	7548816.38
Net Profit / Employee (Rs.)	1766436.76	1424641.68	995810.24	463967.60	296187.40
Business / Employee (Rs.)	179174689.60	180025404.43	183420765.86	146710482.57	132543398.61
Interest Income / Branch (Rs.)	97899082.34	81558818.52	67976565.69	67452860.67	75345733.33
Net Profit / Branches (Rs.)	19150451.07	13843451.81	8190599.76	4431434.03	2956285.53
Business / Branches (Rs.)	1942484552.51	1749333216.52	1508646956.20	1401256964.24	1322933167.30
Net Profit Margin (%)	19.56	16.97	12.04	6.56	3.92
Operating Profit Margin (%)	29.34	24.53	19.32	10.52	6.71
Return On Assets (%)	1.51	1.22	0.84	0.48	0.34
Return On Equity / Networth (%)	15.98	12.88	8.86	5.16	3.56
Net Interest Margin (X)	3.60	3.71	3.39	3.16	3.43
Cost To Income (%)	48.25	45.07	53.21	58.15	49.72
Interest Income / Total Assets (%)	7.76	7.22	6.98	7.33	8.77
Non-Interest Income / Total Assets (%)	1.57	1.28	0.96	1.41	1.69
Operating Profit / Total Assets (%)	-0.05	-0.05	-0.11	-0.93	-1.34
Operating Expenses / Total Assets (%)	2.49	2.25	2.31	2.66	2.55
Interest Expenses / Total Assets (%)	4.16	3.51	3.58	4.16	5.33
Enterprise Value (Rs.Cr.)	100695.09	82147.51	70125.05	67134.89	59145.21
EV Per Net Sales (X)	12.27	12.61	12.55	12.27	9.87
Price To Book Value (X)	1.46	0.97	0.48	0.63	0.24
Price To Sales (X)	1.79	1.28	0.66	0.81	0.27
Retention Ratios (%)	89.99	88.42	94.06	100.00	100.00
Earnings Yield (X)	0.10	0.13	0.18	0.08	0.14

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 24, the value is 19.99. This value is within the healthy range. It has increased from 13.81 (Mar 23) to 19.99, marking an increase of 6.18.
For Diluted EPS (Rs.), as of Mar 24, the value is 19.97. This value is within the healthy range. It has increased from 13.78 (Mar 23) to 19.97, marking an increase of 6.19.
For Cash EPS (Rs.), as of Mar 24, the value is 21.20. This value is within the healthy range. It has increased from 15.11 (Mar 23) to 21.20, marking an increase of 6.09.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 124.82. It has increased from 107.03 (Mar 23) to 124.82, marking an increase of 17.79.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 124.82. It has increased from 107.03 (Mar 23) to 124.82, marking an increase of 17.79.
For Dividend / Share (Rs.), as of Mar 24, the value is 2.40. This value is within the healthy range. It has increased from 2.00 (Mar 23) to 2.40, marking an increase of 0.40.
For Net Profit / Share (Rs.), as of Mar 24, the value is 19.95. This value is within the healthy range. It has increased from 13.79 (Mar 23) to 19.95, marking an increase of 6.16.
For Net Profit Margin (%), as of Mar 24, the value is 19.56. This value exceeds the healthy maximum of 10. It has increased from 16.97 (Mar 23) to 19.56, marking an increase of 2.59.
For Return On Assets (%), as of Mar 24, the value is 1.51. This value is below the healthy minimum of 5. It has increased from 1.22 (Mar 23) to 1.51, marking an increase of 0.29.
For Retention Ratios (%), as of Mar 24, the value is 89.99. This value exceeds the healthy maximum of 70. It has increased from 88.42 (Mar 23) to 89.99, marking an increase of 1.57.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Karur Vysya Bank Ltd as of April 11, 2025 is: 163.71

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 11, 2025, Karur Vysya Bank Ltd is Overvalued by 19.75% compared to the current share price 204.00

Intrinsic Value of Karur Vysya Bank Ltd as of April 11, 2025 is: 227.69

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 11, 2025, Karur Vysya Bank Ltd is Undervalued by 11.61% compared to the current share price 204.00

Last 5 Year EPS CAGR: 39.08%

*Investments are subject to market risks

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:
1. Net Profit Margin: 19.56%
  - 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.
2. ROCE: 0% (Industry Average ROCE: 7.14%)
  - 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.
3. ROE%: 0% (Industry Average ROE: 13.99%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. 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.
5. 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.
6. Stock P/E: 8.71 (Industry average Stock P/E: 13.39)
  - 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.
7. 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Karur Vysya Bank Ltd. is a Public Limited Listed company incorporated on 22/06/1916 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65110TN1916PLC001295 and registration number is 001295. Currently Company is involved in the business activities of Monetary intermediation of commercial banks, saving banks. postal savings bank and discount houses. Company's Total Operating Revenue is Rs. 8203.94 Cr. and Equity Capital is Rs. 160.88 Cr. for the Year ended 31/03/2024.

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 10 April 2025) is ₹163.71 — 19.75% lower the current market price of 204.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 16,415 Cr. market cap, FY2025-2026 high/low of ₹246/164, reserves of 10,740 Cr, and liabilities of 112,573 Cr.

What is the Market Cap of Karur Vysya Bank Ltd?

The Market Cap of Karur Vysya Bank Ltd is 16,415 Cr..

What is the current Stock Price of Karur Vysya Bank Ltd as on 10 April 2025?

The current stock price of Karur Vysya Bank Ltd as on 10 April 2025 is 204.

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 ₹246/164.

What is the Stock P/E of Karur Vysya Bank Ltd?

The Stock P/E of Karur Vysya Bank Ltd is 8.71.

What is the Book Value of Karur Vysya Bank Ltd?

The Book Value of Karur Vysya Bank Ltd is 135.

What is the Dividend Yield of Karur Vysya Bank Ltd?

The Dividend Yield of Karur Vysya Bank Ltd is 1.18 %.

What is the ROCE of Karur Vysya Bank Ltd?

The ROCE of Karur Vysya Bank Ltd is 6.89 %.

What is the ROE of Karur Vysya Bank Ltd?

The ROE of Karur Vysya Bank Ltd is 17.2 %.

What is the Face Value of Karur Vysya Bank Ltd?

The Face Value of Karur Vysya Bank Ltd is 2.00.