Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors
post

Karur Vysya Bank Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹267.52Overvalued by 20.85%vs CMP ₹338.00

P/E (11.9) × ROE (19.1%) × BV (₹146.00) × DY (0.77%)

₹249.19Overvalued by 26.28%vs CMP ₹338.00
MoS: -35.6% (Negative)Confidence: 54/100 (Moderate)Models: 1 Under, 1 Fair, 6 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹341.5824%Fair (+1.1%)
Graham NumberEarnings₹279.5517%Over (-17.3%)
Earnings PowerEarnings₹135.9912%Over (-59.8%)
DCFCash Flow₹583.3012%Under (+72.6%)
Net Asset ValueAssets₹145.908%Over (-56.8%)
EV/EBITDAEnterprise₹11.7910%Over (-96.5%)
Dividend DiscountDividends₹27.5010%Over (-91.9%)
Earnings YieldEarnings₹237.908%Over (-29.6%)
Consensus (8 models)₹249.19100%Overvalued
Key Drivers: EPS CAGR 27.7% lifts DCF — verify sustainability. | Wide model spread (₹12–₹583) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 27.7%

*Investments are subject to market risks

Analyst Summary

Karur Vysya Bank Ltd operates in the Finance - Banks - Private Sector segment, NSE: KARURVYSYA | BSE: 590003, current market price is ₹338.00, market cap is 32,684 Cr.. At a glance, stock P/E is 11.9, ROE is 19.1 %, ROCE is 7.62 %, book value is 146, dividend yield is 0.77 %. The latest intrinsic value estimate is ₹249.19, around 26.3% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹9,678 Cr versus the prior period change of 17.8%, while latest net profit is about ₹1,942 Cr with a prior-period change of 21.0%. The 52-week range shown on this page is 352/202, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisKarur 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 L…

This summary is generated from the stock page data available for Karur Vysya Bank Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

64
Karur Vysya Bank Ltd scores 64/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health67/100 · Strong
ROCE 7.6% WeakROE 19.1% ExcellentD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money85/100 · Strong
FII holding up 2.11% (6mo) AccumulatingDII holding up 1.25% MF buyingPromoter holding at 2.1% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum58/100 · Moderate
Profit (4Q): +22% YoY Positive
Industry Rank75/100 · Strong
P/E 11.9 vs industry 21.0 Cheaper than peersROCE 7.6% vs industry 6.4% AverageROE 19.1% vs industry 10.0% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily.

Share Price and Basic Stock Data

Last Updated: August 25, 2026, 7:11 am

Market Cap 32,684 Cr.
Current Price 338
Intrinsic Value₹249.19
High / Low 352/202
Stock P/E11.9
Book Value 146
Dividend Yield0.77 %
ROCE7.62 %
ROE19.1 %
Face Value 2.00
PEG Ratio0.43

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

View Share Price Target for Karur Vysya Bank Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Karur Vysya Bank Ltd 32,684 Cr. 338 352/20211.9 1460.77 %7.62 %19.1 % 2.00
Bandhan Bank Ltd 28,440 Cr. 177 221/13421.0 1590.85 %6.41 %4.88 % 10.0
City Union Bank Ltd 22,523 Cr. 227 249/15216.0 1070.88 %6.74 %13.2 % 1.00
Jammu & Kashmir Bank Ltd 15,997 Cr. 145 202/97.46.94 1541.48 %5.84 %15.4 % 1.00
Ujjivan Small Finance Bank Ltd 12,771 Cr. 65.5 73.9/43.814.1 35.10.00 %7.73 %10.8 % 10.0
Industry Average149,320.30 Cr351.1020.96225.320.56%6.43%10.04%6.30

All Competitor Stocks of Karur Vysya Bank Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue1,6951,7681,8831,9972,1392,1872,2852,3872,4892,5162,5692,8082,794
Interest 8068769861,0821,1381,1891,2601,3241,4071,4271,4891,5471,555
Expenses 8828477417438331,0518008968789258391,030848
Financing Profit745156173168-53225167203164240231392
Financing Margin %0%3%8%9%8%-2%10%7%8%7%9%8%14%
Other Income 317401333339358626388469465509447512509
Depreciation 0000000000000
Profit before tax 325446489512526574613636668674687743901
Tax % 11%24%27%26%22%20%25%26%26%24%24%23%23%
Net Profit 289338359378412456459474496513521574690
EPS in Rs 3.013.513.723.934.274.734.754.905.145.315.405.947.14
Gross NPA %2.70%2.27%1.99%1.73%1.58%1.40%1.32%1.10%0.83%0.76%0.66%0.76%0.71%
Net NPA %0.90%0.74%0.59%0.47%0.42%0.40%0.38%0.28%0.20%0.20%0.19%0.19%0.19%

Last Updated: March 4, 2026, 4:46 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 24, 2026, 5:46 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue5,1165,3965,4435,6225,7005,8165,9905,4705,5886,5178,2139,67810,687
Interest 3,8323,9303,6623,5493,4023,4533,6423,1112,8723,1684,3955,4186,018
Expenses 1,3781,5031,4941,8872,6092,9023,1122,6202,4342,9653,2673,3853,642
Financing Profit-94-37288187-311-539-764-2602813845518751,027
Financing Margin %-2%-1%5%3%-5%-9%-13%-5%5%6%7%9%10%
Other Income 5645907077829009631,1559197691,1591,6491,8301,978
Depreciation 75818386851011191241191061001140
Profit before tax 3954719128835043222725349311,4372,1002,5913,005
Tax % -9%2%38%31%31%35%14%33%28%23%24%25%
Net Profit 4304645686063462112353596731,1061,6051,9422,299
EPS in Rs 5.204.956.056.463.602.202.453.757.0111.4916.6320.1023.79
Dividend Payout % 32%34%30%26%13%23%0%11%19%14%12%11%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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: September 11, 2026, 5:00 am

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital 122122122145160160160160160161161193
Reserves 4,1244,4514,9146,1196,2636,4406,8007,4368,4249,87911,76913,915
Deposits44,84050,07953,70056,89059,86859,07563,27868,48676,63889,113102,078115,666
Borrowing2,7512,8941,6962,3941,5651,1842,5281,3391,4322,4781,2172,623
Other Liabilities 1,3151,4391,3761,3931,4841,4191,8572,6503,5263,8224,1434,207
Total Liabilities 53,15258,98561,80866,94169,34068,27874,62380,07190,179105,453119,367136,603
Fixed Assets 395417411475545563518464418412451455
CWIP 1748533823211517203947
Investments 12,37514,44314,85715,80314,88215,76216,01917,21618,80822,34423,83129,020
Other Assets 40,36644,12246,53250,61053,87651,92958,06562,37770,93682,67795,046107,082
Total Assets 53,15258,98561,80866,94169,34068,27874,62380,07190,179105,453119,367136,603

Reserves and Borrowings Chart

Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + -3095801,611-550-1,5762,5043,3662951,2172,9544,487-554
Cash from Investing Activity + -102-92-84-170549-1,535-1,379-1,594-1,270-1,296-2,151-1,745
Cash from Financing Activity + 482-346-74683414-274-59-96-178-694-188-205
Net Cash Flow 711431,453-36-6126961,928-1,394-2319632,148-2,504
Free Cash Flow -4114881,527-744-1,7302,3693,2892381,1562,8644,319-683
CFO/OP -5%19%49%-11%-47%91%123%-1%28%69%79%2%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow1.00-43.00-49.00-52.00-54.00-57.00-56.00-61.00-66.00-74.00-86.00-99.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 13%12%13%13%6%3%4%5%9%14%17%18%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters 2.24%2.22%2.20%2.15%2.13%2.13%2.11%2.10%2.10%2.07%2.07%2.07%
FIIs 18.09%15.61%15.38%15.11%15.10%14.80%15.12%15.41%15.81%16.87%19.25%17.92%
DIIs 32.29%35.16%36.22%35.68%37.01%38.47%38.87%39.47%39.97%40.20%39.26%41.22%
Government 0.01%0.02%0.02%0.00%0.00%0.00%0.02%0.02%0.01%0.02%0.02%0.01%
Public 47.38%47.00%46.19%47.07%45.76%44.60%43.88%43.00%42.11%40.84%39.40%38.78%
No. of Shareholders 2,22,3162,32,0522,45,9532,58,9642,57,3002,60,3872,60,9492,52,9572,64,7842,67,1742,72,7262,75,908

Shareholding Pattern Chart

No. of Shareholders

Karur Vysya Bank Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
HDFC Mid Cap Fund 39,702,000 1.3 1196.62N/AN/AN/A
Nippon India Small Cap Fund 35,913,511 1.64 1082.4338,140,8742026-02-23 07:02:52-5.84%
HDFC Focused Fund 18,600,000 2.13 560.6N/AN/AN/A
HSBC Value Fund 15,797,160 3.27 476.1313,164,3002025-12-08 03:16:3020%
HSBC Small Cap Fund 14,559,929 2.92 438.84N/AN/AN/A
Canara Robeco Small Cap Fund 12,312,617 2.93 371.1N/AN/AN/A
Axis Small Cap Fund 12,132,840 1.43 365.68N/AN/AN/A
Invesco India Smallcap Fund 9,679,612 3.24 291.74N/AN/AN/A
Motilal Oswal Small Cap Fund 9,146,500 5 275.689,069,4232026-02-23 07:02:520.85%
Axis ELSS Tax Saver Fund 7,818,590 0.72 235.659,996,1522026-02-23 02:15:05-21.78%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
Face Value2.002.002.002.002.00
Basic EPS (Rs.) 24.1319.9913.818.424.50
Diluted EPS (Rs.) 24.1219.9713.788.414.50
Cash EPS (Rs.) 25.5321.2015.119.916.05
Book Value[Excl.RevalReserv]/Share (Rs.) 148.17124.82107.0394.9587.07
Book Value[Incl.RevalReserv]/Share (Rs.) 148.17124.82107.0394.9587.07
Dividend / Share (Rs.) 2.602.402.001.600.50
Operating Revenue / Share (Rs.)120.21101.9981.2569.8468.44
Net Profit / Share (Rs.) 24.1219.9513.798.424.50
Interest Income / Employee (Rs.)9809487.339030207.048393289.038264566.937062260.52
Net Profit / Employee (Rs.)1968008.011766436.761424641.68995810.24463967.60
Business / Employee (Rs.)188609899.05179174689.60180025404.43183420765.86146710482.57
Interest Income / Branch (Rs.)108986939.1997899082.3481558818.5267976565.6967452860.67
Net Profit / Branches (Rs.)21865278.1519150451.0713843451.818190599.764431434.03
Business / Branches (Rs.)2095523945.951942484552.511749333216.521508646956.201401256964.24
Net Profit Margin (%) 20.0619.5616.9712.046.56
Operating Profit Margin (%)31.8829.3424.5319.3210.52
Return On Assets (%) 1.621.511.220.840.48
Return On Equity / Networth (%)16.2715.9812.888.865.16
Net Interest Margin (X)3.563.603.713.393.16
Cost To Income (%)47.2448.2545.0753.2158.15
Interest Income / Total Assets (%)8.107.767.226.987.33
Non-Interest Income / Total Assets (%)1.531.571.280.961.41
Operating Profit / Total Assets (%)0.09-0.05-0.05-0.11-0.93
Operating Expenses / Total Assets (%)2.412.492.252.312.66
Interest Expenses / Total Assets (%)4.534.163.513.584.16
Enterprise Value (Rs.Cr.)112775.94100695.0982147.5170125.0567134.89
EV Per Net Sales (X)11.6512.2712.6112.5512.27
Price To Book Value (X)1.411.460.970.480.63
Price To Sales (X)1.741.791.280.660.81
Retention Ratios (%) 90.0589.9988.4294.06100.00
Earnings Yield (X)0.110.100.130.180.08

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

[display_about_company_data title=”About the Company – Qualitative Analysis”]

FAQ

What is the intrinsic value of Karur Vysya Bank Ltd and is it undervalued?

As of 15 September 2026, Karur Vysya Bank Ltd's intrinsic value is ₹249.19, which is 26.28% lower than the current market price of ₹338.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (19.1 %), book value (₹146), dividend yield (0.77 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Karur Vysya Bank Ltd?

Karur Vysya Bank Ltd is trading at ₹338.00 as of 15 September 2026, with a FY2026-2027 high of ₹352 and low of ₹202. The stock is currently near its 52-week high. Market cap stands at ₹32,684 Cr..

How does Karur Vysya Bank Ltd's P/E ratio compare to its industry?

Karur Vysya Bank Ltd has a P/E ratio of 11.9, which is below the industry average of 20.96. This is broadly in line with or below the industry average.

Is Karur Vysya Bank Ltd financially healthy?

Key indicators for Karur Vysya Bank Ltd: ROCE of 7.62 % is on the lower side compared to the industry average of 6.43%; ROE of 19.1 % shows strong shareholder returns. Dividend yield is 0.77 %.

Is Karur Vysya Bank Ltd profitable and how is the profit trend?

Karur Vysya Bank Ltd reported a net profit of ₹1,942 Cr in Mar 2025 on revenue of ₹9,678 Cr. Compared to ₹673 Cr in Mar 2022, the net profit shows an improving trend.

Does Karur Vysya Bank Ltd pay dividends?

Karur Vysya Bank Ltd has a dividend yield of 0.77 % at the current price of ₹338.00. The company pays dividends, though the yield is modest.

Last Updated: August 25, 2026, 7:11 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 590003 | NSE: KARURVYSYA
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Karur Vysya Bank Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
Explore Industry-wise Stock Analysis Reports