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The Karur Vysya Bank Limited KARURVYSYA NIFTY_SMALLNSEFINANCIAL

Financial Services · Banks - Regional · India
https://www.kvb.bank.in

The Karur Vysya Bank Limited provides various banking and financial services for personal and corporate customers in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The Treasury segment offers investments in Central and State Government securities, debt instruments of banks, FIs, insurance companies, PSUs and corporates, certificates of deposits, equity shares, mutual funds, and security receipts, as well as forward contracts, derivatives and foreign exchange operations on proprietary accounts and for customers, including trading in these instruments, as well as borrowing and lending operations. The Corporate/Wholesale Banking segment includes all advances to trusts, partnership firms, companies, and statutory bodies. The Retail Banking segment comprises the lending of funds and other banking services to any legal person, including small business customers. The Other Banking Operations include bancassurance, third-party product distribution, demat services and other banking transactions, as well as deposits in RIDF and MSME funds. It also provides prepaid instruments, including gift, forex, travel, and re-loadable cards; life, non-life, and health insurance products; savings and current accounts; recurring and tax-saving deposits; personal, home, vehicle, and educational loans, as well as business loans; digital products; locker facilities; social security schemes; and government sponsored schemes. In addition, the company offers investment and payment collection and transaction banking services; FCNR, NRE, and NRO deposits; mortgage and jewel loans and loans against deposits; remittance services; and Internet and mobile banking services, as well as a range of products for the agricultural sector. The Karur Vysya Bank Limited was incorporated in 1916 and is headquartered in Karur, India.

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₹288.75
+58.00% 1Y

Market & Price

Market Cap
₹27,911.12 Cr
Current Price
₹288.75
High / Low (52W)
₹336.85 / ₹182.76
Beta
-0.03

Valuation

Stock P/E
11.12
Industry PE
19.12
Forward P/E
9.09
PEG Ratio
-
Book Value
₹132.43
Price to Book
2.18
P/S
4.45
EV/EBITDA
-
Dividend Yield
0.75%

Profitability & Returns

ROCE
-
ROE
19.28%
ROA
1.96%
Profit Margin
40.05%
Op Margin
57.61%
EPS (Latest Qtr)
₹7.50
EPS (TTM)
₹25.96

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
₹2,622.56 Cr
Total Assets
₹1.37 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.00%
Chg in Prom Hold
-
FII / Inst Holding
41.52%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹25,231.94 Cr
Total Revenue (TTM)
₹6,267.93 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-14,141.71 Cr
Shares Outstanding
₹96.64 Cr
Gross Margin
0.00%
Payout Ratio
8.34%

Growth (CAGR)

Revenue 5Y
18.73%
Profit 5Y
31.42%
Revenue (YoY)
19.50%
Earnings (YoY)
41.20%

PROS

  • Excellent profit margin of 40.1%.
  • Compounding revenue at 18.7% over 5 years.
  • Profit CAGR of 31.4% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 KARURVYSYA The Karur Vysya Bank Limited NIFTY_SMALLNSEFINANCIAL 288.75 11.12 ₹27,911.12 Cr 0.75% - 19.28% 18.73% 31.42%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 1,546.22 Cr1,598.59 Cr1,526.60 Cr1,748.20 Cr1,974.57 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 730.95 Cr763.62 Cr721.10 Cr742.86 Cr727.81 Cr
Operating Income -----
EBITDA -----
Interest Expense 1,407.22 Cr1,426.67 Cr1,489.20 Cr1,554.93 Cr1,544.88 Cr
Pretax Income 667.83 Cr673.57 Cr687.36 Cr900.57 Cr989.10 Cr
Tax Provision 171.80 Cr160.21 Cr165.91 Cr210.61 Cr264.14 Cr
Net Income 496.03 Cr513.36 Cr521.45 Cr689.96 Cr724.96 Cr
Diluted EPS 5.135.315.397.147.50

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -4,195.93 Cr4,970.85 Cr6,089.47 Cr7,022.87 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -2,217.07 Cr2,647.16 Cr2,877.14 Cr2,947.89 Cr
Operating Income -----
EBITDA -----
Interest Expense -3,167.74 Cr4,394.74 Cr5,418.12 Cr6,135.80 Cr
Pretax Income -1,436.79 Cr2,100.19 Cr2,590.73 Cr3,320.04 Cr
Tax Provision -330.77 Cr495.38 Cr649.09 Cr809.71 Cr
Net Income -1,106.09 Cr1,604.81 Cr1,941.64 Cr2,510.33 Cr
Diluted EPS 7.0111.4816.6420.10-

Compounded Sales Growth

5 Years:18.73%
1 Year:19.50%

Compounded Profit Growth

5 Years:31.42%
1 Year:41.20%

Stock Price Performance

1 Year:+58.00%
6 Months:+16.45%
3 Months:-14.08%
1 Month:-1.62%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -90,179.42 Cr1.05 L Cr1.19 L Cr1.37 L Cr
Current Assets -----
Cash & Equivalents -4,695.13 Cr5,658.56 Cr7,806.72 Cr5,302.64 Cr
Inventory -----
Receivables 1,637.40 Cr2,822.21 Cr3,175.08 Cr3,050.32 Cr-
Total Liabilities -81,595.37 Cr95,413.19 Cr1.07 L Cr1.22 L Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -1,432.01 Cr2,478.35 Cr1,216.98 Cr2,622.56 Cr
Total Equity -8,584.05 Cr10,040.07 Cr11,929.54 Cr14,107.87 Cr
Shares Outstanding 96.00 Cr96.09 Cr96.53 Cr96.61 Cr-

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -1,217.21 Cr2,954.06 Cr4,487.06 Cr-553.96 Cr
Investing Cash Flow --1,270.21 Cr-1,296.48 Cr-2,150.80 Cr-1,745.12 Cr
Financing Cash Flow --178.05 Cr-694.15 Cr-188.11 Cr-205.00 Cr
Capital Expenditure --62.22 Cr-98.10 Cr-171.63 Cr-152.13 Cr
Free Cash Flow -1,155.00 Cr2,855.97 Cr4,315.43 Cr-706.09 Cr
Net Change in Cash --231.04 Cr963.43 Cr2,148.15 Cr-2,504.08 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -26.4%32.3%31.9%35.7%
ROE % -12.9%16.0%16.3%17.8%
ROCE % -----

Shareholding Pattern

Insiders
0.00%
Institutions
41.52%
Public Float
41.52%

Analyst View

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