Karur Vysya Bank Ltd.

NSE: KARURVYSYA BSE: 590003 SECTOR: Bank - Private  46k   318   48

44.50
+0.70 (1.60%)
NSE: 20 May 03:59 PM

Price Summary

Today's High

₹ 45.7

Today's Low

₹ 44

52 Week High

₹ 61

52 Week Low

₹ 38.4

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

3560.24 Cr.

CASA %

34.22

No. of Shares

80.01 Cr.

P/E

6.31

P/B

0.48

Face Value

₹ 2

Div. Yield

1.12 %

Book Value (TTM)

₹  92.24

Net Interest Income

2359.51 Cr.

Cost To Income %

58.16

Promoter Holding

2.28 %

EPS (TTM)

₹  7.05

CAR %

18.98

ROE

5.3 %

ROCE

7.32%

Profit Growth

52.92 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year5.3%
3 Year4.08%
5 Year6.19%

ROA%

1 Year0.5%
3 Year0.38%
5 Year0.54%

Net NPA%

1 Year3.41%
3 Year4.1%
5 Year3.8%

 NIM

1 Year3.25%
3 Year3.44%
5 Year3.46%

CAR %

18.98

Cost of Liabilities %

4.72734766904889

PEG Ratio

0.12

Advances Growth %

9.25286864591983

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2022 2.28 8.18
Dec 2021 2.28 7.45
Sep 2021 2.12 9.83
Jun 2021 2.12 9.84
Mar 2021 2.13 9.8
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 3.43584828544245% since last 3 years.
  • Good Capital Adequacy Ratio of 18.98%.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.384669367023586%
  • Company has a low ROE of 4.0782936077432% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 4.10333333333333%.
  • High Cost to income ratio of 58.1597545034169%.
  • The company has delivered poor Profit Growth of 1.30562565304777% over the past 3 years.
  • The company has delivered poor Income growth of -1.3589570738342% over the past 3 years.
  • Poor Advances growth of 3.97896977702072% in last 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022
Interest Earned 1349.31 1375.94 1397.95 1404.51 1409.27
Other Income 169.08 219.99 163.1 195.61 205.48
Interest Expended 736.71 738.04 717.64 717.28 699.34
Operating Expenses 579.29 429.3 469.57 481.25 474.1
Total Provisions 24.06 264.04 164.15 146.1 140.12
Profit Before Tax 178.33 164.55 209.69 255.49 301.19
Tax 73.96 55.68 44.24 70.01 87.72
Net Profit 104.37 108.87 165.45 185.48 213.47
Net NPA % 3.41 3.69 2.99 2.55 2.28
Gross NPA % 7.85 7.97 7.38 6.97 5.96
Return on Assets % 0.55 0.57 0.86 0.93 1.06
NPM % 7.74 7.91 11.84 13.21 15.15

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 5622.35 5699.65 5815.82 5989.99 5470.43
Other Income 782.22 899.93 962.77 1154.62 1056.65
Interest Expended 3548.65 3401.54 3453 3642.04 3110.91
Operating Expenses 1284.95 1420.72 1614.81 1741.71 1986.83
Total Provisions 687.49 1273.68 1388.55 1488.66 894.96
Profit Before Tax 883.47 503.64 322.23 272.18 534.37
Taxes 277.49 157.97 111.36 37.16 174.98
Net Profit 605.98 345.67 210.87 235.02 359.39
Adjusted EPS (Rs.) 8.42 4.32 2.64 2.94 4.5

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 121.86 145.33 159.86 159.86 159.86
Total Reserves 4913.83 6118.86 6262.65 6439.92 6799.44
Deposits 53699.81 56890.09 59867.95 59075.08 63278.43
Borrowings 1695.65 2393.99 1565.34 1184.18 2528.29
Other Liabilities 1376.46 1393.17 1484.02 1418.64 1856.73
Total Liabilities 61807.62 66941.43 69340.11 68278.17 74623.19
Assets
Balance with RBI 2790.47 2960.07 2934.68 2732.67 3124.05
Balance with Banks 1554.62 1349.14 762.36 1659.88 3196.28
Investments 14857.48 15803.21 14881.59 15762.45 16018.93
Advances 40907.72 44800.15 48580.81 46098.11 50363.51
Net Block 410.94 474.7 544.94 563.47 518.46
Other Assets 1278.71 1500.67 1597.68 1438.43 1381.36
Total Assets 61807.62 66941.43 69340.11 68278.17 74623.19
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Promoters 2.13 2.12 2.12 2.28 2.28
aj suriyanarayana - - - - 0.34
a j suriyanarayana 0.34 0.34 0.34 0.34 -
suriyanarayana a j... 0.28 0.28 0.28 0.28 -
suriyanarayana aj ... - - - - 0.28
r ramkumar 0.05 0.05 0.05 0.05 0.05
g rajasekaran - - 0.21 0.21 0.21
g rajasekarn 0.21 0.21 - - -
r nageswari 0.14 0.14 0.14 0.15 0.15
g mani 0.15 0.15 0.15 0.15 0.14
s nirupama - - - - 0.04
r archana 0.08 0.08 0.08 0.08 0.08
a j vijaya 0.08 0.08 0.08 0.08 0.08
a s sudha 0.07 0.07 0.07 - -
nirmala 0.07 0.07 0.07 0.07 0.07
assudha - - - 0.07 0.07
r ramkumar (huf) 0.06 - 0.06 0.06 0.06
m k srinivasan 0.06 0.06 0.06 0.06 0.06
r ramkumar (huf) - 0.06 - - -
m k venkatesan (hu... 0.05 0.05 0.05 0.05 0.05
munugoor. k. venka... 0.05 0.05 0.05 0.05 0.05
g mani (huf) 0.05 0.05 0.05 0.05 0.05
g rajasekaran (huf) 0.05 0.05 0.05 0.05 0.05
anuradha c b 0.05 0.05 0.05 0.05 0.05
usha m v 0.05 0.05 - - -
usha. m. v - - 0.05 0.05 0.04
m k venkatesan - - - - -
a s jayanthkrishna 0.04 0.04 0.04 0.04 0.04
m v usha - - - - -
a s varunprasad 0.04 0.04 0.04 0.04 -
as varunprasad - - - - -
as varun prasad - - - - 0.04
prajeeth m v - - - - -
m v prajeeth 0.04 0.04 0.04 0.04 0.04
m v srinivasamoort... 0.03 0.03 0.03 0.03 0.03
m v srinivasamoort... - - - - -
shruthi m s - - - - -
srimathi e 0.01 0.01 0.01 0.01 0.01
a v kandaswamy 0.01 - 0.01 - -
a k kasthuri 0.01 0.01 0.01 0.01 0.01
a k praburaj 0.01 0.01 0.01 0.01 -
a p preetha 0.01 0.01 - - -
a. p. preetha - - - - -
shruthim s - - - - 0.01
avkandaswamy - - - 0.01 0.01
a.p. preetha - - 0.01 0.01 0.01
akpraburaj - - - - 0.01
a v kandaswamy - 0.01 - - -
PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Investors 97.87 97.88 97.88 97.72 97.72
icici prudential m... - - 2.57 2.64 4.31
franklin templeton... - - 4.64 4.64 4.68
franklin templeton... 4.80 4.80 - - -
icici prudential m... - - 2.57 2.64 4.31
franklin templeton... - - - - -
franklin templeton... - - 4.64 4.64 4.68
jhunjhunwala rakes... 3.09 3.36 3.22 2.53 2.51
hdfc trustee compa... - - - - -
ntasain discovery ... - - - - 2.05
hdfc trustee compa... - - 2.78 2.78 2.78
nippon life india ... - - - - -
reliance capital t... 2.99 2.21 - - -
olympus india hold... 2.92 2.92 2.92 2.92 2.92
hdfc trustee compa... 2.40 2.78 - - -
uti mutual fund (v... - - - - -
ashish dhawan - - - - 1.63
reliance capital t... - - 1.65 1.91 2.45
saif india iv fii ... 2.32 2.32 - - -
saif india iv fii ... - - 2.32 - -
saif india iv fll ... - - - 2.32 2.32
hdfc standard life... 1.85 2.19 2.28 2.30 1.88
nippon life india ... - - - - -
nippon life india ... - - - - -
abu dhabi investme... - - 1.38 1.38 1.63
abu dhabi investme... - - 1.38 1.38 1.63
rakesh jhunjhunwal... - - - 1.63 1.63
ellipsis partners ... - - - - -
sundaram mutual fu... 1.60 1.55 1.55 1.54 1.59
icici prudential (... 1.13 1.56 - - -
abu dhavi investme... - 1.38 - - -
khandwala finstock... - - - - -
mukul mahavir agra... - - - - -
infina finance pvt... 1.04 - - - -
acacia partners, lp 1.00 1.00 - - -
acacia partners llp - - 1.00 1.00 1.00
rakesh jhunjhunwala - - 1.00 - -
iepf - - 0.04 0.09 0.09
llp - - - - -
investor education... - 0.04 - - -
investor education... 0.04 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Karur Vysya Bank board recommends dividend21 May 2022, 10:49AM Karur Vysya Bank informs about audio recording of conference call 21 May 2022, 10:40AM Karur Vysya Bank - Quaterly Results20 May 2022, 4:01PM Karur Vysya Bank - Quaterly Results20 May 2022, 4:01PM The Karur Vysya Bank informs about revision in external benchmark rate 9 May 2022, 9:46AM Karur Vysya Bank opens new branch in Andhra Pradesh2 May 2022, 5:38PM The Karur Vysya Bank informs about press release2 May 2022, 9:57AM Karur Vysya Bank bags two MSME awards2 May 2022, 9:44AM Karur Vysya Bank to open new branch in Andhra Pradesh29 Apr 2022, 12:46PM The Karur Vysya Bank informs about credit rating23 Apr 2022, 10:32AM Karur Vysya Bank’s total business crosses Rs 1.25 lakh crore 5 Apr 2022, 3:36PM The Karur Vysya Bank informs about credit rating26 Mar 2022, 3:00PM Karur Vysya Bank informs about disclosure9 Mar 2022, 10:01AM Karur Vysya Bank bags awards for technology initiatives16 Feb 2022, 10:08AM Karur Vysya Bank ties up with Unanu Technologies 15 Feb 2022, 4:28PM Karur Vysya Bank opens five new branches in three states 15 Feb 2022, 10:21AM Karur Vysya Bank informs about credit rating8 Feb 2022, 10:00AM Karur Vysya Bank informs about revised MCLR7 Feb 2022, 9:59AM Karur Vysya Bank reports 5-fold jump in Q3 net profit31 Jan 2022, 4:11PM Karur Vysya Bank - Quaterly Results31 Jan 2022, 2:56PM Karur Vysya Bank - Quaterly Results31 Jan 2022, 2:56PM Karur Vysya Bank starts online customs duty payment facility for customers11 Jan 2022, 9:35AM Karur Vysya Bank’s deposits rise 7% in Q3FY224 Jan 2022, 4:28PM Karur Vysya Bank informs about closure of trading window27 Dec 2021, 4:31PM The Karur Vysya Bank informs about base rate and BPLR 9 Dec 2021, 9:55AM The Karur Vysya Bank informs about credit rating 9 Dec 2021, 9:54AM The Karur Vysya Bank informs about related party transactions30 Nov 2021, 3:07PM The Karur Vysya Bank informs about analyst meet11 Nov 2021, 10:05AM The Karur Vysya Bank informs about newspaper publication11 Nov 2021, 10:02AM Karur Vysya Bank reports 44% rise in Q2 net profit 9 Nov 2021, 12:45PM Karur Vysya Bank - Quaterly Results8 Nov 2021, 1:34PM RBI authorizes Karur Vysya Bank to collect direct taxes13 Oct 2021, 9:47AM Karur Vysya Bank informs about press release13 Oct 2021, 9:41AM Karur Vysya Bank informs about disclosure4 Oct 2021, 2:15PM Karur Vysya Bank informs about press release12 Aug 2021, 9:59AM Karur Vysya Bank reports marginal rise in Q1 net profit5 Aug 2021, 4:30PM Karur Vysya Bank informs about 102nd AGM21 Jul 2021, 9:39AM Karur Vysya Bank informs about credit rating17 Jul 2021, 10:04AM The Karur Vsya Bank informs about newspaper publication16 Jul 2021, 9:49AM Karur Vysya Bank informs about 102nd AGM14 Jul 2021, 9:42AM Karur Vysya Bank informs about RBI imposes monetary policies on bank8 Jul 2021, 9:50AM The Karur Vysya Bank informs about analyst meet25 Jun 2021, 10:01AM Karur Vysya Bank informs about disclosure on related party transactions22 Jun 2021, 10:07AM Karur Vysya Bank donates 10 ambulances to Tamil Nadu Health Systems Project21 Jun 2021, 11:28AM Karur Vysya Bank informs about analyst meet9 Jun 2021, 9:57AM Karur Vysya Bank donates Rs 20 lakh to set up COVID care centre at Hyderabad 8 Jun 2021, 4:35PM The Karur Vysya Bank informs about conference call 31 May 2021, 10:01AM The Karur Vysya Bank informs about investor presentation31 May 2021, 10:00AM Karur Vysya Bank reports 25% rise in Q4 net profit29 May 2021, 9:45AM Karur Vysya Bank donates Rs 1 crore to Tamil Nadu State Disaster Management Authority19 May 2021, 11:32AM

Karur Vysya Bank Stock Price Analysis and Quick Research Report. Is Karur Vysya Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Karur Vysya Bank is performing and if it is the right time to buy the stock of Karur Vysya Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Karur Vysya Bank has earned Rs 5470.427 Cr. revenue in the latest financial year. It has posted Poor revenue growth of -1.3589570738342 % in last 3 Years.

  • In terms of advances, the bank reported 9.25286864591983 % YOY,  rise . If you see 3 years advance growth, it stands at 3.97896977702072 %.

  • Currently the company has a CASA ratio of 34.219913899197 %. It’s overall cost of liability stands at 4.72734766904889 %. Also, the total deposits from these accounts stood at Rs 63278.4342 Cr.

  • The Bank has a Poor ROA track record. The ROA of Karur Vysya Bank is at 0.502989342132766 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 7.85 % and 3.41 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -39.8815877781412 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Karur Vysya Bank decreased and is currently at Rs 1056.6472 Cr.

  • The company has a Good Capital Adequacy Ratio of 18.98 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Karur Vysya Bank is trading at a P/B of 0.4824 . The historical average PB was 0.860594120371408.

Brief about Karur Vysya Bank

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