Karur Vysya Bank

Karur Vysya Bank Ltd.

NSE: KARURVYSYA BSE: 590003 SECTOR: Bank - Private  80k   454   88

107.15
-0.70 (-0.65%)
NSE: 02 Jun 03:59 PM

Price Summary

Today's High

₹ 109.95

Today's Low

₹ 106.65

52 Week High

₹ 116.2

52 Week Low

₹ 43

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 8596.72 Cr.

CASA %

34.81

No. of Shares

80.23 Cr.

P/E

7.77

P/B

1

Face Value

₹ 2

Div. Yield

1.49 %

Book Value (TTM)

₹  106.99

Net Interest Income

₹ 2715.38 Cr.

Cost To Income %

53.21

Promoter Holding

2.24 %

EPS (TTM)

₹  13.79

CAR %

19.46

ROE

9.25 %

ROCE

11.11%

Profit Growth

87.34 %

Add Your Ratio

* 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.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* 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

Track the companies of Group.

Ratios

ROE%

1 Year9.25%
3 Year6.05%
5 Year5.52%

ROA%

1 Year0.87%
3 Year0.57%
5 Year0.51%

Net NPA%

1 Year2.28%
3 Year3.2%
5 Year3.75%

 NIM

1 Year3.5%
3 Year3.43%
5 Year3.47%

CAR %

19.46

Cost of Liabilities %

4.10238696094905

PEG Ratio

0.09

Advances Growth %

9.87046481530071

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2023 2.24 7.23
Dec 2022 2.25 7.2
Sep 2022 2.26 7.43
Jun 2022 2.28 8.17
Mar 2022 2.28 8.18
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 3.43136039432836% since last 3 years.
  • Good Capital Adequacy Ratio of 19.46%.
  • The company has delivered good Profit growth of 47.2513752267824% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.571717516643718%
  • CASA Growth of 0.586415937921295% YoY, which is very low.
  • Company has a low ROE of 6.0540290523075% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 3.20333333333333%.
  • High Cost to income ratio of 53.2144291585095%.
  • The company has delivered poor Income growth of -1.32508774278688% over the past 3 years.
  • Poor Advances growth of 4.43451210195063% in last 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
Interest Earned 1409.27 1473.53 1579.48 1695.22 1768.32
Other Income 205.48 199.07 241.57 317.49 400.81
Interest Expended 699.34 727.65 758.13 806.22 875.74
Operating Expenses 474.1 469.48 490.6 517.54 554.34
Total Provisions 140.12 154.64 227.19 364.09 293.01
Profit Before Tax 301.19 320.83 345.13 324.86 446.04
Tax 87.72 92.08 94.9 35.57 108.22
Net Profit 213.47 228.75 250.23 289.29 337.82
Net NPA % 2.31 1.91 1.36 0.89 0.74
Gross NPA % 6.03 5.21 3.97 2.66 2.27
Return on Assets % 1.06 1.09 1.16 1.32 1.5
NPM % 15.15 15.52 15.84 17.07 19.1

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

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Interest Earned 5699.65 5815.82 5989.99 5470.43 5587.67
Other Income 899.93 962.77 1154.62 918.83 769.05
Interest Expended 3401.54 3453 3642.04 3110.91 2872.3
Operating Expenses 1420.72 1614.81 1741.71 1986.83 1854.22
Total Provisions 1273.68 1388.55 1488.66 757.14 699.29
Profit Before Tax 503.64 322.23 272.18 534.37 930.92
Taxes 157.97 111.36 37.16 174.98 257.65
Net Profit 345.67 210.87 235.02 359.39 673.27
Adjusted EPS (Rs.) 4.32 2.64 2.94 4.5 8.42

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 145.33 159.86 159.86 159.86 160
Total Reserves 6118.86 6262.65 6439.92 6799.44 7435.57
Deposits 56890.09 59867.95 59075.08 63278.43 68676.16
Borrowings 2393.99 1565.34 1184.18 2528.29 1339.09
Other Liabilities 1393.17 1484.02 1418.64 1856.73 2432.26
Total Liabilities 66941.43 69340.11 68278.17 74623.19 80043.72
Assets
Balance with RBI 2960.07 2934.68 2732.67 3514.05 3594.26
Balance with Banks 1349.14 762.36 1659.88 2806.28 1331.91
Investments 15803.21 14881.59 15762.45 16018.93 17216.06
Advances 44800.15 48580.81 46098.11 50363.51 55334.62
Net Block 474.7 544.94 563.47 518.46 463.63
Other Assets 1500.67 1597.68 1438.43 1381.36 2088.38
Total Assets 66941.43 69340.11 68278.17 74623.19 80043.72
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2022% Jun 2022% Sep 2022% Dec 2022% Mar 2023%
Promoters 2.28 2.28 2.26 2.25 2.24
aj suriyanarayana - 0.34 - - -
a j suriyanarayana 0.34 - 0.33 0.33 0.33
suriyanarayana a j... 0.28 - 0.25 0.25 0.25
suriyanarayana aj ... - 0.28 - - -
r ramkumar 0.05 0.05 0.22 0.22 0.22
g rajasekaran 0.21 0.21 0.21 0.21 0.21
g rajasekarn - - - - -
r nageswari 0.15 0.15 0.15 0.15 0.15
g mani 0.15 0.14 0.13 0.13 0.13
s nirupama - 0.04 0.07 0.07 0.07
a j vijaya 0.08 0.08 0.08 0.08 0.08
r archana 0.08 0.08 0.08 0.08 0.08
nirmala 0.07 0.07 0.07 0.07 0.07
a s sudha - - 0.06 0.06 0.06
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) - - - - -
r rajasekaran (huf) - - - - 0.06
g rajasekaran (huf) 0.05 0.05 0.05 0.05 0.05
g mani (huf) 0.05 0.05 0.05 0.05 0.05
anuradha c b 0.05 0.05 0.05 0.05 0.05
m k venkatesan - - 0.05 0.05 0.05
m k venkatesan (hu... 0.05 0.05 0.05 0.05 0.05
munugoor. k. venka... 0.05 0.05 - - -
usha m v - - - - -
usha. m. v 0.05 0.04 - - -
a s varunprasad 0.04 - 0.04 0.04 0.04
m v usha - - 0.04 0.04 0.04
a s jayanthkrishna 0.04 0.04 0.04 0.04 0.04
as varun prasad - 0.04 - - -
prajeeth m v - - 0.03 0.03 0.03
m v prajeeth 0.04 0.04 - - -
m v srinivasamoort... 0.03 0.03 0.03 0.03 0.03
a v kandaswamy - - 0.01 0.01 0.01
a.p. preetha 0.01 0.01 0.01 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
shruthi m s - - - - -
srimathi e 0.01 0.01 0.01 0.01 0.01
a p preetha - - - - -
shruthim s - 0.01 - - -
avkandaswamy 0.01 0.01 - - -
akpraburaj - 0.01 - - -
a v kandaswamy - - - - -
PARTICULARS Mar 2022% Jun 2022% Sep 2022% Dec 2022% Mar 2023%
Investors 97.72 97.72 97.74 97.75 97.76
icici prudential m... 2.64 4.31 - 3.37 2.96
franklin templeton... 4.64 4.68 - - -
franklin templeton... - - - - -
icici prudential m... 2.64 4.31 - 3.37 2.96
franklin templeton... - - - - -
franklin templeton... 4.64 4.68 - - -
jhunjhunwala rakes... 2.53 2.51 - - -
jhunjhunwala rakes... - - 4.37 - -
hdfc trustee compa... - - - - -
hdfc trustee compa... - - 4.49 - -
hdfc trustee compa... - - - 4.48 4.47
icici prudential m... - - 4.37 - -
ntasain discovery ... - - 1.13 - -
ntasain discovery ... - 2.05 - - -
nippon life india ... - - 4.24 - -
nippon life india ... - - - 4.24 3.14
hdfc trustee compa... 2.78 2.78 - - -
franklin mutual fu... - - 3.99 - -
hsbc mutual funds ... - - - 3.06 3.86
franklin mutual fu... - - - 3.84 3.78
nippon life india ... - - - - -
reliance capital t... - - - - -
olympus india hold... 2.92 2.92 - - -
rekha rakesh jhunj... - - - 2.89 2.89
uti mutual fund (v... - - - 2.86 2.84
hdfc trustee compa... - - - - -
uti mutual fund (v... - - 2.72 - -
ashish dhawan - 1.63 - - -
reliance capital t... 1.91 2.45 - - -
saif india iv fii ... - - - - -
saif india iv fii ... - - - - -
saif india iv fll ... 2.32 2.32 - - -
hdfc standard life... 2.30 1.88 - - -
sbi mutual funds (... - - - 1.79 2.25
abu dhabi investme... 1.38 1.63 - - -
abu dhabi investme... 1.38 1.63 - - -
abu dhabi investme... - - 2.11 - -
rakesh jhunjhunwala - - - 1.85 1.85
tata mutual funds ... - - - 1.52 1.71
rakesh jhunjhunwal... 1.63 1.63 - - -
sundaram mutual fu... 1.54 1.59 - - -
icici prudential (... - - - - -
abu dhavi investme... - - - - -
mukul mahavir agra... - - - 1.06 1.06
mukul mahavir agra... - - 1.25 - -
abu dhabi investme... - - - 1.09 1.04
infina finance pvt... - - - - -
acacia partners, lp - - - 1.00 1.00
acacia partners llp 1.00 1.00 - - -
acacia partners lp - - 1.00 - -
iepf 0.09 0.09 - - -
llp - - - 0.15 0.12
llp - - 0.34 - -
investor education... - - - 0.13 0.13
investor education... - - 0.13 - -
investor education... - - - - -
investor education... - - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

The Karur Vysya Bank informs about disclosure on related party transactions16 May 2023, 9:41AM The Karur Vysya Bank informs about re-appointment of independent director 16 May 2023, 9:40AM Karur Vysya Bank reports 58% rise in Q4 net profit15 May 2023, 3:00PM Karur Vysya Bank - Quaterly Results15 May 2023, 2:05PM Karur Vysya Bank - Quaterly Results15 May 2023, 2:05PM Karur Vysya Bank - Quaterly Results15 May 2023, 2:05PM The karur Vysya Bank informs about appointment of additional director 26 Apr 2023, 12:00PM Karur Vysya Bank informs about press release21 Apr 2023, 10:24AM Karur Vysya Bank informs about press release19 Apr 2023, 12:49PM The Karur Vysya Bank informs about press release1 Apr 2023, 10:02AM The Karur Vysya Bank informs about credit rating1 Apr 2023, 10:02AM Karur Vysya Bank inks pact with SBI Life Insurance1 Apr 2023, 9:57AM RBI imposes penalty of Rs 30 lakh on Karur Vysya Bank25 Mar 2023, 4:15PM Karur Vysya Bank informs about disclosure25 Mar 2023, 10:15AM Karur Vysya Bank informs about disclosure 24 Mar 2023, 10:52AM The Karur Vysya Bank informs about change in directorate 22 Mar 2023, 10:38AM Karur Vysya Bank informs about opening of new branches16 Mar 2023, 12:49PM Karur Vysya Bank to open three new branch in Andhra Pradesh16 Mar 2023, 12:09PM The Karur Vysya Bank informs about outcome of board meeting 16 Mar 2023, 10:40AM The Karur Vysya Bank informs about credit rating 10 Mar 2023, 10:29AM The Karur Vysya Bank informs about revised MCLR6 Mar 2023, 10:30AM The Karur Vysya Bank informs about outcome of analyst meet24 Feb 2023, 9:49AM The Karur Vysya Bank informs about analyst meet 23 Feb 2023, 10:06AM Karur Vysya Bank to open two new branch in Tamil Nadu21 Feb 2023, 10:38AM The Karur Vysya Bank informs about opening of branches 31 Jan 2023, 10:39AM The Karur Vysya Bank informs about transcript of conference call31 Jan 2023, 10:38AM Karur Vysya Bank to open two new branches in Andhra Pradesh31 Jan 2023, 9:48AM Karur Vysya Bank informs about strike call28 Jan 2023, 10:10AM Karur Vysya Bank informs about press release24 Jan 2023, 4:14PM Karur Vysya Bank informs about audio recording24 Jan 2023, 12:50PM Karur Vysya Bank informs about reappointment of director23 Jan 2023, 5:23PM Karur Vysya Bank - Quaterly Results23 Jan 2023, 1:49PM Karur Vysya Bank - Quaterly Results23 Jan 2023, 1:49PM Karur Vysya Bank - Quaterly Results23 Jan 2023, 1:49PM Karur Vysya Bank informs about scrutiniser’s report31 Dec 2022, 3:30PM The Karur Vysya Bank informs about credit rating30 Dec 2022, 11:41AM The Karur Vysya Bank informs about revision in MCLR6 Dec 2022, 10:43AM The Karur Vysya Bank informs about analyst meet 3 Dec 2022, 10:03AM The Karur Vysya Bank informs about of newspaper publications2 Dec 2022, 10:28AM The Karur Wsya Bank informs about credit rating 1 Dec 2022, 1:04PM Karur Vysya Bank informs about Strike call given by AIBEA19 Nov 2022, 2:59PM Karur Vysya Bank informs about disclosure of related party transactions5 Nov 2022, 11:50AM The Karur Vysya Bank informs about credit rating 31 Oct 2022, 12:41PM The Karur Vysya Bank informs about transcript of the conference call27 Oct 2022, 10:42AM The Karur Vysya Bank informs about allotment of equity shares22 Oct 2022, 12:18PM The Karur Vysya Bank informs about audio recording of the conference call 22 Oct 2022, 12:16PM Karur Vysya Bank informs about un-audited financial results21 Oct 2022, 3:05PM Karur Vysya Bank - Quaterly Results21 Oct 2022, 2:03PM Karur Vysya Bank - Quaterly Results21 Oct 2022, 2:03PM Karur Vysya Bank - Quaterly Results21 Oct 2022, 2:03PM

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 5587.6737 Cr. revenue in the latest financial year. It has posted Poor revenue growth of -1.32508774278688 % in last 3 Years.

  • In terms of advances, the bank reported 9.87046481530071 % YOY,  rise . If you see 3 years advance growth, it stands at 4.43451210195063 %.

  • Currently the company has a CASA ratio of 34.8063298371183 %. It’s overall cost of liability stands at 4.10238696094905 %. Also, the total deposits from these accounts stood at Rs 68676.1621 Cr.

  • The Bank has a average ROA track record. The ROA of Karur Vysya Bank is at 0.870602926250191 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 5.96 % and 2.28 % 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 -7.64064594837363 % 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 769.0535 Cr.

  • The company has a Good Capital Adequacy Ratio of 19.46 .

  • 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 1.0029 . The historical average PB was 0.686721674467083.

Brief about Karur Vysya Bank

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