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Last Updated: April 2, 2026, 3:12 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 590003 | NSE: KARURVYSYA

Karur Vysya Bank Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹230.29Overvalued by 21.13%vs CMP ₹292.00

P/E (12.3) × ROE (17.6%) × BV (₹132.00) × DY (0.74%)

₹234.29Overvalued by 19.76%vs CMP ₹292.00
MoS: -24.6% (Negative)Confidence: 48/100 (Moderate)Models: 1 Under, 2 Fair, 5 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹294.0524%Fair (+0.7%)
Graham NumberEarnings₹265.8117%Fair (-9%)
Earnings PowerEarnings₹136.1212%Over (-53.4%)
DCFCash Flow₹583.8812%Under (+100%)
Net Asset ValueAssets₹132.468%Over (-54.6%)
EV/EBITDAEnterprise₹11.8010%Over (-96%)
Dividend DiscountDividends₹27.5010%Over (-90.6%)
Earnings YieldEarnings₹237.908%Over (-18.5%)
Consensus (8 models)₹234.29100%Overvalued
Key Drivers: EPS CAGR 27.7% lifts DCF — verify sustainability. | Wide model spread (₹12–₹584) — 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

Investment Snapshot

60
Karur Vysya Bank Ltd scores 60/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health62/100 · Moderate
ROCE 7.4% WeakROE 17.6% GoodD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money85/100 · Strong
FII holding up 1.75% (6mo) AccumulatingDII holding up 1.33% MF buyingPromoter holding at 2.1% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum58/100 · Moderate
Profit (4Q): +22% YoY Positive
Industry Rank60/100 · Moderate
P/E 12.3 vs industry 15.0 In-lineROCE 7.4% vs industry 6.8% AverageROE 17.6% vs industry 11.8% 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. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:12 am

Market Cap 28,208 Cr.
Current Price 292
Intrinsic Value₹234.29
High / Low 344/158
Stock P/E12.3
Book Value 132
Dividend Yield0.74 %
ROCE7.38 %
ROE17.6 %
Face Value 2.00
PEG Ratio0.44

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 28,208 Cr. 292 344/15812.3 1320.74 %7.38 %17.6 % 2.00
Bandhan Bank Ltd 23,806 Cr. 148 192/13423.6 1531.02 %7.82 %11.9 % 10.0
REC Ltd 18,645 Cr. 302 340/16428.2 2570.33 %6.04 %4.57 % 10.0
City Union Bank Ltd 17,809 Cr. 240 324/14714.2 1340.83 %6.86 %12.6 % 1.00
Jammu & Kashmir Bank Ltd 12,583 Cr. 114 128/82.05.87 1411.88 %6.15 %15.8 % 1.00
Industry Average135,761.26 Cr305.6715.04214.170.61%6.84%11.80%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: December 4, 2025, 1:31 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 107122122122145160160160160160161161193
Reserves 3,2194,1244,4514,9146,1196,2636,4406,8007,4368,4249,87911,76912,603
Deposits43,90844,84050,07953,70056,89059,86859,07563,27868,48676,63889,113102,078110,492
Borrowing3,1432,7512,8941,6962,3941,5651,1842,5281,3391,4322,4781,2172,517
Other Liabilities 1,1661,3151,4391,3761,3931,4841,4191,8572,6503,5263,8224,1434,294
Total Liabilities 51,54353,15258,98561,80866,94169,34068,27874,62380,07190,179105,453119,367130,099
Fixed Assets 376395417411475545563518464418412451512
CWIP 9174853382321151720390
Investments 13,24712,37514,44314,85715,80314,88215,76216,01917,21618,80822,34423,83127,824
Other Assets 37,91140,36644,12246,53250,61053,87651,92958,06562,37770,93682,67795,046101,764
Total Assets 51,54353,15258,98561,80866,94169,34068,27874,62380,07190,179105,453119,367130,099

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 1,184-3095801,611-550-1,5762,5043,3662951,2172,9544,487
Cash from Investing Activity + -113-102-92-84-170549-1,535-1,379-1,594-1,270-1,296-2,151
Cash from Financing Activity + -189482-346-74683414-274-59-96-178-694-188
Net Cash Flow 882711431,453-36-6126961,928-1,394-2319632,148
Free Cash Flow 1,071-4114881,527-744-1,7302,3693,2892381,1562,8644,319
CFO/OP 35%-5%19%49%-11%-47%91%123%-1%28%69%79%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 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.

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

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 2.24%2.24%2.24%2.22%2.20%2.15%2.13%2.13%2.11%2.10%2.10%2.07%
FIIs 17.93%17.90%18.09%15.61%15.38%15.11%15.10%14.80%15.12%15.41%15.81%16.87%
DIIs 30.80%32.10%32.29%35.16%36.22%35.68%37.01%38.47%38.87%39.47%39.97%40.20%
Government 0.00%0.00%0.01%0.02%0.02%0.00%0.00%0.00%0.02%0.02%0.01%0.02%
Public 49.02%47.77%47.38%47.00%46.19%47.07%45.76%44.60%43.88%43.00%42.11%40.84%
No. of Shareholders 2,09,1882,07,6392,22,3162,32,0522,45,9532,58,9642,57,3002,60,3872,60,9492,52,9572,64,7842,67,174

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

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. 9678.04 Cr. and Equity Capital is Rs. 161.02 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - Banks - Private SectorNo. 20, Erode Road, Vadivel Nagar, Karur Tamil Nadu 639002Contact not found
Management
NamePosition Held
Dr. Meena HemchandraNon Exe. Ind. Part Time Chairman
Mr. B Ramesh BabuManaging Director & CEO
Mr. B SankarExecutive Director
Mr. R RamkumarNon Exe.Non Ind.Director
Mr. K G MohanInd. Non-Executive Director
Dr. R HarshavardhanInd. Non-Executive Director
CA. Chinnasamy GanesanInd. Non-Executive Director
Mr. R Vidhya ShankarInd. Non-Executive Director
Mr. Murali RamaswamiInd. Non-Executive Director
Mrs. Srimathy SridharInd. Non-Executive Director

FAQ

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

As of 18 April 2026, Karur Vysya Bank Ltd's intrinsic value is ₹234.29, which is 19.76% lower than the current market price of ₹292.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (17.6 %), book value (₹132), dividend yield (0.74 %), 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 ₹292.00 as of 18 April 2026, with a FY2026-2027 high of ₹344 and low of ₹158. The stock is currently in the middle of its 52-week range. Market cap stands at ₹28,208 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 12.3, which is below the industry average of 15.04. 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 7.38 % is on the lower side compared to the industry average of 6.84%; ROE of 17.6 % shows strong shareholder returns. Dividend yield is 0.74 %.

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 0.74 % at the current price of ₹292.00. The company pays dividends, though the yield is modest.

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
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