Share Price and Basic Stock Data
Last Updated: February 3, 2026, 2:28 am
| PEG Ratio | 0.49 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Karur Vysya Bank Ltd, a prominent player in the private sector banking industry, reported a current share price of ₹294 and a market capitalization of ₹28,371 Cr. The bank’s revenue trajectory illustrates robust growth, with revenues increasing from ₹1,579 Cr in September 2022 to ₹1,997 Cr by September 2023, and projected to reach ₹2,139 Cr in December 2023. The annual revenue figures demonstrate a significant rise from ₹6,517 Cr in FY 2023 to ₹8,213 Cr in FY 2024, and further to ₹9,678 Cr in FY 2025. This trend indicates a compound annual growth rate (CAGR) that positions the bank favorably against its peers in the sector, which typically exhibit moderate growth rates. The bank’s revenue growth is supported by a consistent increase in interest income, which rose from ₹758 Cr in September 2022 to ₹1,082 Cr by September 2023, reflecting an effective strategy in asset management and customer acquisition.
Profitability and Efficiency Metrics
Karur Vysya Bank’s profitability metrics reveal encouraging performance, with a net profit of ₹2,105 Cr reported for the trailing twelve months (TTM) and a price-to-earnings (P/E) ratio of 12.3, suggesting a reasonable valuation relative to its earnings. The bank’s return on equity (ROE) stood at 17.6%, showcasing its effectiveness in generating returns for shareholders, while the return on capital employed (ROCE) was recorded at 7.38%. These figures are competitive within the private banking sector, where average ROE typically hovers around 12-15%. The efficiency of operations is further highlighted by an operating profit margin (OPM) that, while not available, can be inferred to be strong given the bank’s increasing net profits and revenues. However, the cost-to-income ratio of 47.24% indicates room for improvement in managing operational costs, which could enhance profitability further.
Balance Sheet Strength and Financial Ratios
Karur Vysya Bank’s balance sheet reflects a solid foundation, with total assets reported at ₹130,099 Cr and total liabilities at ₹119,367 Cr. The bank’s equity capital stood at ₹161 Cr, complemented by reserves of ₹12,603 Cr, indicating a healthy capital structure. The bank’s gross non-performing assets (NPA) ratio improved significantly from 4.02% in September 2022 to 1.73% in September 2023, signaling effective asset quality management. The net NPA ratio also demonstrated a positive trend, declining from 1.38% to 0.47% in the same period. With a book value per share of ₹148.17 as of March 2025, the bank’s price-to-book value (P/BV) ratio of 1.41 suggests a fair market valuation. The net interest margin (NIM) of 3.56x further emphasizes the bank’s ability to maintain profitability on its lending operations, aligning with industry averages.
Shareholding Pattern and Investor Confidence
The shareholding structure of Karur Vysya Bank demonstrates a diverse ownership profile, with public shareholders holding 42.11%, domestic institutional investors (DIIs) at 39.97%, and foreign institutional investors (FIIs) at 15.81%. The promoter holding, however, remains low at 2.10%, which could be perceived as a risk factor in terms of governance and strategic control. Notably, the DII holding has shown an upward trend, increasing from 30.73% in December 2022 to 39.97% by September 2025, reflecting growing institutional confidence in the bank’s growth prospects. The total number of shareholders rose to 264,784, indicating increasing retail participation. This trend is vital for sustaining liquidity and market interest, particularly in light of the bank’s improving financial metrics and operational performance.
Outlook, Risks, and Final Insight
Looking ahead, Karur Vysya Bank is poised for continued growth, bolstered by its strong revenue trajectory and improving asset quality. However, potential risks include the low promoter stake, which may affect governance, and the relatively high cost-to-income ratio, which could pressure margins if not addressed. Additionally, the bank operates in a competitive environment where interest rate fluctuations can impact net interest margins. Should the bank successfully manage these risks while capitalizing on its growth opportunities, it may enhance shareholder value significantly. Conversely, any deterioration in asset quality or failure to control operational costs could hinder its performance. Overall, the bank’s current metrics position it favorably for sustainable growth, contingent upon effective risk management and strategic execution.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 1,764 Cr. | 212 | 339/180 | 24.7 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,449 Cr. | 28.1 | 36.6/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,166 Cr. | 257 | 331/249 | 8.60 | 306 | 1.56 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 66,492 Cr. | 21.2 | 24.3/16.0 | 21.0 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 11,981 Cr. | 61.8 | 68.0/30.9 | 24.2 | 32.1 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 158,587.83 Cr | 342.88 | 17.19 | 214.17 | 0.61% | 6.84% | 11.80% | 6.30 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,579 | 1,695 | 1,768 | 1,883 | 1,997 | 2,139 | 2,187 | 2,285 | 2,387 | 2,489 | 2,516 | 2,569 | 2,808 |
| Interest | 758 | 806 | 876 | 986 | 1,082 | 1,138 | 1,189 | 1,260 | 1,324 | 1,407 | 1,427 | 1,489 | 1,547 |
| Expenses | 718 | 882 | 847 | 741 | 743 | 833 | 1,051 | 800 | 896 | 878 | 925 | 839 | 1,030 |
| Financing Profit | 104 | 7 | 45 | 156 | 173 | 168 | -53 | 225 | 167 | 203 | 164 | 240 | 231 |
| Financing Margin % | 7% | 0% | 3% | 8% | 9% | 8% | -2% | 10% | 7% | 8% | 7% | 9% | 8% |
| Other Income | 242 | 317 | 401 | 333 | 339 | 358 | 626 | 388 | 469 | 465 | 509 | 447 | 512 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 345 | 325 | 446 | 489 | 512 | 526 | 574 | 613 | 636 | 668 | 674 | 687 | 743 |
| Tax % | 28% | 11% | 24% | 27% | 26% | 22% | 20% | 25% | 26% | 26% | 24% | 24% | 23% |
| Net Profit | 250 | 289 | 338 | 359 | 378 | 412 | 456 | 459 | 474 | 496 | 513 | 521 | 574 |
| EPS in Rs | 2.61 | 3.01 | 3.51 | 3.72 | 3.93 | 4.27 | 4.73 | 4.75 | 4.90 | 5.14 | 5.31 | 5.40 | 5.94 |
| Gross NPA % | 4.02% | 2.70% | 2.27% | 1.99% | 1.73% | 1.58% | 1.40% | 1.32% | 1.10% | 0.83% | 0.76% | 0.66% | 0.76% |
| Net NPA % | 1.38% | 0.90% | 0.74% | 0.59% | 0.47% | 0.42% | 0.40% | 0.38% | 0.28% | 0.20% | 0.20% | 0.19% | 0.19% |
Last Updated: December 30, 2025, 7:35 am
Below is a detailed analysis of the quarterly data for Karur Vysya Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 1,547.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,489.00 Cr. (Jun 2025) to 1,547.00 Cr., marking an increase of 58.00 Cr..
- For Expenses, as of Sep 2025, the value is 1,030.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 839.00 Cr. (Jun 2025) to 1,030.00 Cr., marking an increase of 191.00 Cr..
- For Other Income, as of Sep 2025, the value is 512.00 Cr.. The value appears strong and on an upward trend. It has increased from 447.00 Cr. (Jun 2025) to 512.00 Cr., marking an increase of 65.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 743.00 Cr.. The value appears strong and on an upward trend. It has increased from 687.00 Cr. (Jun 2025) to 743.00 Cr., marking an increase of 56.00 Cr..
- For Tax %, as of Sep 2025, the value is 23.00%. The value appears to be improving (decreasing) as expected. It has decreased from 24.00% (Jun 2025) to 23.00%, marking a decrease of 1.00%.
- For Net Profit, as of Sep 2025, the value is 574.00 Cr.. The value appears strong and on an upward trend. It has increased from 521.00 Cr. (Jun 2025) to 574.00 Cr., marking an increase of 53.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 5.94. The value appears strong and on an upward trend. It has increased from 5.40 (Jun 2025) to 5.94, marking an increase of 0.54.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:06 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 | 10,381 |
| 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 | 5,870 |
| 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 | 3,673 |
| Financing Profit | -94 | -37 | 288 | 187 | -311 | -539 | -764 | -260 | 281 | 384 | 551 | 875 | 838 |
| 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 | 1,934 |
| 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 | 2,772 |
| 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 | 2,105 |
| 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 | 21.79 |
| 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
| 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
| 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 | 1.13 | 1047.46 | N/A | N/A | N/A |
| Nippon India Small Cap Fund | 38,140,874 | 1.47 | 1006.27 | 31,784,062 | 2025-12-08 03:16:30 | 20% |
| HDFC Focused Fund | 18,600,000 | 1.85 | 490.72 | N/A | N/A | N/A |
| HSBC Value Fund | 15,797,160 | 2.83 | 416.78 | 13,164,300 | 2025-12-08 03:16:30 | 20% |
| HSBC Small Cap Fund | 14,559,929 | 2.41 | 384.13 | N/A | N/A | N/A |
| Canara Robeco Small Cap Fund | 12,312,617 | 2.48 | 324.84 | N/A | N/A | N/A |
| Axis Small Cap Fund | 12,132,840 | 1.21 | 320.1 | N/A | N/A | N/A |
| Axis ELSS Tax Saver Fund | 9,996,152 | 0.77 | 263.73 | N/A | N/A | N/A |
| Invesco India Smallcap Fund | 9,679,612 | 2.77 | 255.38 | N/A | N/A | N/A |
| Motilal Oswal Small Cap Fund | 9,069,423 | 4.1 | 239.28 | 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.) | 25.53 | 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.) | 2.60 | 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.) | 9809487.33 | 9030207.04 | 8393289.03 | 8264566.93 | 7062260.52 |
| Net Profit / Employee (Rs.) | 1968008.01 | 1766436.76 | 1424641.68 | 995810.24 | 463967.60 |
| Business / Employee (Rs.) | 188609899.05 | 179174689.60 | 180025404.43 | 183420765.86 | 146710482.57 |
| Interest Income / Branch (Rs.) | 108986939.19 | 97899082.34 | 81558818.52 | 67976565.69 | 67452860.67 |
| Net Profit / Branches (Rs.) | 21865278.15 | 19150451.07 | 13843451.81 | 8190599.76 | 4431434.03 |
| Business / Branches (Rs.) | 2095523945.95 | 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 (%) | 47.24 | 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.) | 112775.94 | 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 (%) | 90.05 | 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 25.53. This value is within the healthy range. It has increased from 21.20 (Mar 24) to 25.53, marking an increase of 4.33.
- 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 2.60. This value is within the healthy range. It has increased from 2.40 (Mar 24) to 2.60, marking an increase of 0.20.
- 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 90.05. This value exceeds the healthy maximum of 70. It has increased from 89.99 (Mar 24) to 90.05, marking an increase of 0.06.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
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: 12.4 (Industry average Stock P/E: 17.19)
- 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 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Dr. Meena Hemchandra | Non Exe. Ind. Part Time Chairman |
| Mr. B Ramesh Babu | Managing Director & CEO |
| Mr. B Sankar | 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 |
| CA. Chinnasamy Ganesan | Ind. Non-Executive Director |
| Mr. R Vidhya Shankar | Ind. Non-Executive Director |
| Mr. Murali Ramaswami | Ind. Non-Executive Director |
| Mrs. Srimathy Sridhar | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of Karur Vysya Bank Ltd?
Karur Vysya Bank Ltd's intrinsic value (as of 03 February 2026) is ₹291.24 which is 1.61% lower the current market price of ₹296.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹28,560 Cr. market cap, FY2025-2026 high/low of ₹306/154, 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 28,560 Cr..
What is the current Stock Price of Karur Vysya Bank Ltd as on 03 February 2026?
The current stock price of Karur Vysya Bank Ltd as on 03 February 2026 is ₹296.
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 ₹306/154.
What is the Stock P/E of Karur Vysya Bank Ltd?
The Stock P/E of Karur Vysya Bank Ltd is 12.4.
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 0.73 %.
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.