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Last Updated on: 27 February, 2024|Author: Getaka | Social: X Twitter Profile

Fundamental Analysis of Karur Vysya Bank Ltd

About the Company - Karur Vysya Bank Ltd

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. 5587.67 Cr. and Equity Capital is Rs. 160.00 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
Finance - Banks - Private SectorNo. 20, Erode Road, Vadivel Nagar, Karur Tamil Nadu 639002kvb_sig@kvbmail.com
http://www.kvb.co.in
Management
NamePosition Held
Mr. B Ramesh BabuManaging Director & CEO
Mr. A K PraburajNon Exe.Non Ind.Director
Mr. M V SrinivasamoorthiNon Exe.Non Ind.Director
Mr. R RamkumarNon Exe.Non Ind.Director
Mr. M K VenkatesanNon Exe.Non Ind.Director
Mrs. K L VijayalakshmiInd. Non-Executive Director
Dr. K S RavichandranInd. Non-Executive Director
Mr. K G MohanInd. Non-Executive Director
Dr. R HarshavardhanInd. Non-Executive Director
Dr. Meena HemchandraInd. Non-Executive Director
Mr. Murali RamaswamiInd. Non-Executive Director

Karur Vysya Bank Ltd. Share Price Update

Share PriceValue
Today₹183.15
Previous Day₹185.35

Basic Stock Data of Karur Vysya Bank Ltd

Market Cap 14,777 Cr.
Current Price 184
High / Low205/92.7
Stock P/E9.97
Book Value 107
Dividend Yield1.07 %
ROCE5.61 %
ROE13.7 %
Face Value 2.00

Data Source: screener.in

Karur Vysya Bank Ltd Quarterly Results

MonthSep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
Revenue1,3951,3501,3491,3761,3981,4051,4091,4741,5791,6951,7681,8831,997
Interest7937677377387187176997287588068769861,082
Expenses620779603677634627614624718882847741743
Financing Profit-19-1969-39476096122104745156173
Financing Margin %-1%-14%1%-3%3%4%7%8%7%0%3%8%9%
Other Income183251169203163196205199242317401333339
Depreciation0000000000000
Profit before tax16456178165210255301321345325446489512
Tax %30%38%41%34%21%27%29%29%28%11%24%27%26%
Net Profit11535104109165185213229250289338359378
EPS in Rs1.440.431.311.362.072.322.672.863.133.614.214.474.72
Gross NPA %7.93%7.37%7.85%7.97%7.38%6.97%6.03%5.28%4.02%2.70%2.27%1.99%1.73%
Net NPA %2.99%2.55%3.41%3.69%2.99%2.55%2.31%1.93%1.38%0.90%0.74%0.59%0.47%

Karur Vysya Bank Ltd Quarterly Chart

Karur Vysya Bank Ltd Profit & Loss

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Revenue3,2704,2425,1165,3965,4435,6225,7005,8165,9905,4705,5886,5177,788
Interest2,3533,0843,8323,9303,6623,5493,4023,4533,6423,1112,8723,1684,081
Expenses5978291,3781,5031,4941,8872,6092,9023,1122,6202,4342,9653,164
Financing Profit320329-94-37288187-311-539-764-260281384542
Financing Margin %10%8%-2%-1%5%3%-5%-9%-13%-5%5%6%7%
Other Income3504535645907077829009631,1559197691,1591,431
Depreciation385675818386851011191241191060
Profit before tax6327253954719128835043222725349311,4371,973
Tax %21%24%-9%2%38%31%31%35%14%33%28%23%
Net Profit5025504304645686063462112353596731,1061,487
EPS in Rs7.298.006.245.957.257.754.322.642.944.508.4213.7918.52
Dividend Payout %30%27%32%34%30%26%13%23%0%11%19%14%

Karur Vysya Bank Ltd Profit & Loss Yearly Chart

Karur Vysya Bank Ltd Growth

Compounded Sales Growth
10 Years:4%
5 Years:3%
3 Years:3%
TTM:26%
Compounded Profit Growth
10 Years:7%
5 Years:26%
3 Years:66%
TTM:51%
Stock Price CAGR
10 Years:13%
5 Years:22%
3 Years:43%
1 Year:88%
Return on Equity
10 Years:9%
5 Years:7%
3 Years:10%
Last Year:14%

Karur Vysya Bank Ltd Balance Sheet

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Equity Capital107107107122122122145160160160160160
Reserves2,6012,9783,2194,1244,4514,9146,1196,2636,4406,8007,4368,424
Borrowings34,08442,65247,05147,59152,97355,39559,28461,43360,25965,80769,82578,070
Other Liabilities8439961,1661,3151,4391,3761,3931,4841,4191,8572,6503,526
Total Liabilities37,63546,73351,54353,15258,98561,80866,94169,34068,27874,62380,07190,179
Fixed Assets244320376395417411475545563518464418
CWIP0291748533823211517
Investments10,50613,83713,24712,37514,44314,85715,80314,88215,76216,01917,21618,808
Other Assets26,88432,57437,91140,36644,12246,53250,61053,87651,92958,06562,37770,936
Total Assets37,63546,73351,54353,15258,98561,80866,94169,34068,27874,62380,07190,179

Karur Vysya Bank Ltd Reserves and Borrowings Chart

Karur Vysya Bank Ltd Cash Flow

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity 249821,184-3095801,611-550-1,5762,5043,3662951,217
Cash from Investing Activity -72-133-113-102-92-84-170549-1,535-1,379-1,594-1,270
Cash from Financing Activity 84-188-189482-346-74683414-274-59-96-178
Net Cash Flow261-239882711431,453-36-6126961,928-1,394-231

Karur Vysya Bank Ltd Financial Efficiency Indicators

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
ROE %21%19%13%12%13%13%6%3%4%5%9%14%

Karur Vysya Bank Ltd Financial Efficiency Indicators Chart

Karur Vysya Bank Ltd Share Holding Pattern

MonthMar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
Promoters2.13%2.12%2.12%2.28%2.28%2.28%2.26%2.25%2.24%2.24%2.24%2.22%
FIIs0.00%21.11%0.00%0.00%15.35%15.43%16.49%17.03%17.93%17.90%18.09%15.61%
DIIs41.74%20.07%38.61%36.77%21.88%22.75%25.17%30.73%30.80%32.10%32.29%35.16%
Government0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.01%0.02%
Public56.14%56.70%59.27%60.95%60.49%59.54%56.08%49.98%49.02%47.77%47.38%47.00%
No. of Shareholders1,74,1491,84,8781,94,3362,04,0452,02,2522,00,2562,03,8302,07,8782,09,1882,07,6392,22,3162,32,052

Karur Vysya Bank Ltd Shareholding Pattern Chart

No. of Karur Vysya Bank Ltd Shareholders

Karur Vysya Bank Ltd Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)
HDFC Mid-Cap Opportunities Fund - Regular Plan330850000.99473.45
Nippon India Small Cap Fund317840621.22454.83
Franklin India Smaller Companies Fund158989172.35227.51
HSBC Value Fund131643002.03188.38
SBI Banking & Financial Services Fund106351673.59152.19
HSBC Small Cap Fund - Regular Plan99124001.23141.85
UTI Mid Cap Fund73875991.21105.72
Franklin India Prima Fund56304410.9580.57
HSBC Aggressive Hybrid Fund47937001.4468.6
SBI Multicap Fund41094130.4558.81

Karur Vysya Bank Ltd ROCE Trend

Karur Vysya Bank Ltd EPS Trend

Karur Vysya Bank Ltd Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
Face Value2.002.002.002.002.00
Basic EPS (Rs.)13.818.424.502.942.64
Diluted EPS (Rs.)13.788.414.502.942.64
Cash EPS (Rs.)13.799.916.054.433.90
Book Value[Excl.RevalReserv]/Share (Rs.)107.0394.9587.0782.5780.35
Book Value[Incl.RevalReserv]/Share (Rs.)107.0394.9587.0782.5780.35
Dividend / Share (Rs.)2.001.600.500.000.60
Operating Revenue / Share (Rs.)81.2569.8468.4474.9472.76
Net Profit / Share (Rs.)13.798.424.502.942.64
Interest Income / Employee (Rs.)0.008264566.937062260.527548816.387893349.76
Net Profit / Employee (Rs.)0.00995810.24463967.60296187.40286193.54
Business / Employee (Rs.)0.00183420765.86146710482.57132543398.61147188878.80
Interest Income / Branch (Rs.)0.0067976565.6967452860.6775345733.3373711281.37
Net Profit / Branches (Rs.)0.008190599.764431434.032956285.532672590.62
Business / Branches (Rs.)0.001508646956.201401256964.241322933167.301374509073.51
Net Profit Margin (%)16.9712.046.563.923.62
Operating Profit Margin (%)-0.81-1.71-12.74-15.35-12.92
Return On Assets (%)1.220.840.480.340.30
Return On Equity / Networth (%)12.888.865.163.563.28
Net Interest Margin (X)3.713.393.163.433.40
Cost To Income (%)44.3144.2246.8345.7345.94
Interest Income / Total Assets (%)7.226.987.338.778.38
Non-Interest Income / Total Assets (%)1.280.961.411.691.38
Operating Profit / Total Assets (%)-0.05-0.11-0.93-1.34-1.08
Operating Expenses / Total Assets (%)2.252.312.662.552.32
Interest Expenses / Total Assets (%)3.513.584.165.334.97
Enterprise Value (Rs.Cr.)82147.4770125.0567134.8959145.2164221.68
EV Per Net Sales (X)12.6112.5512.279.8711.04
Price To Book Value (X)0.970.480.630.240.89
Price To Sales (X)1.280.660.810.270.98
Retention Ratios (%)100.0094.06100.00100.0075.07
Earnings Yield (X)0.130.180.080.140.03

Karur Vysya Bank Ltd Profitability Ratios (%)

Karur Vysya Bank Ltd Liquidity Ratios

Karur Vysya Bank Ltd Liquidity Ratios (%)

Karur Vysya Bank Ltd Interest Coverage Ratios (%)

Karur Vysya Bank Ltd Valuation Ratios

Fair Value of Karur Vysya Bank Ltd Stock

Fair Value: ₹147.71

The stock is overvalued by 19.72% compared to the current price ₹184

*Investments are subject to market risks

Strength and Weakness of Karur Vysya Bank Ltd Stock

Unable to fetch valid data for stock valuation.

About the Author

Author Avatar
Getaka

Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.

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