Karur Vysya Bank Ltd.

NSE: KARURVYSYA BSE: 590003 SECTOR: Bank - Private  64k   408   73

100.15
+0.55 (0.55%)
NSE: Today, 03:59 PM

Price Summary

Today's High

₹ 102.25

Today's Low

₹ 98.25

52 Week High

₹ 106

52 Week Low

₹ 41.75

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

8019.33 Cr.

CASA %

34.81

No. of Shares

80.07 Cr.

P/E

9.13

P/B

1.01

Face Value

₹ 2

Div. Yield

1.59 %

Book Value (TTM)

₹  99.27

Net Interest Income

2715.38 Cr.

Cost To Income %

53.21

Promoter Holding

2.28 %

EPS (TTM)

₹  10.96

CAR %

19.46

ROE

9.25 %

ROCE

11.11%

Profit Growth

87.34 %

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

Your Added Ratios

Please login to Add & View your own added ratios.

Login

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

View Full Peer Comparison
* 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

0.1

Advances Growth %

9.87046481530071

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2022 2.28 8.17
Mar 2022 2.28 8.18
Dec 2021 2.28 7.45
Sep 2021 2.12 9.83
Jun 2021 2.12 9.84
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 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
Interest Earned 1397.95 1404.51 1409.27 1473.53 1579.48
Other Income 164.66 195.61 205.48 199.07 241.57
Interest Expended 717.64 717.28 699.34 727.65 758.13
Operating Expenses 469.57 481.25 474.1 469.48 490.6
Total Provisions 165.71 146.1 140.12 154.64 227.19
Profit Before Tax 209.69 255.49 301.19 320.83 345.13
Tax 44.24 70.01 87.72 92.08 94.9
Net Profit 165.45 185.48 213.47 228.75 250.23
Net NPA % 2.99 2.55 2.28 1.91 1.36
Gross NPA % 7.38 6.97 5.96 5.21 3.97
Return on Assets % 0.86 0.93 1.06 1.09 1.16
NPM % 11.84 13.21 15.15 15.52 15.84

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 Jun 2021% Sep 2021% Dec 2021% Mar 2022% Jun 2022%
Promoters 2.12 2.12 2.28 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
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
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 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 v kandaswamy 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 Jun 2021% Sep 2021% Dec 2021% Mar 2022% Jun 2022%
Investors 97.88 97.88 97.72 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 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 integrates with income tax portal of CBDT for direct tax collection29 Sep 2022, 4:20PM The Karur Vysya Bank informs about closure of trading window 28 Sep 2022, 12:39PM Karur Vysya Bank informs about press release9 Sep 2022, 1:08PM Karur Vysya Bank opens first HNI Branch in Hyderabad9 Sep 2022, 9:38AM The Karur Vysya Bank informs about new branch6 Sep 2022, 12:41PM Karur Vysya Bank to open new branch in Hyderabad6 Sep 2022, 11:50AM Karur Vysya Bank to open new branch in Coimbatore23 Aug 2022, 10:38AM The Karur Vysya Bank informs about opening new branch23 Aug 2022, 10:05AM Karur Vysya Bank authorized to accept GST remittances12 Aug 2022, 10:12AM The Karur Vysya Bank informs about revision in external benchmark rate6 Aug 2022, 2:46PM Karur Vysya Bank completes integration with GST portal of GSTN5 Aug 2022, 5:22PM Karur Vysya Bank informs about disclosure5 Aug 2022, 3:41PM Karur Vysya Bank informs about outcome of AGM4 Aug 2022, 3:52PM The Karur Vysya Bank informs about transcripts of the conference call30 Jul 2022, 10:45AM Karur Vysya Bank informs about compliance certificate28 Jul 2022, 12:43PM Karur Vysya Bank informs about audio recording of the conference call26 Jul 2022, 9:41AM Karur Vysya Bank opens new branch in Tiruppur25 Jul 2022, 5:38PM Karur Vysya Bank - Quaterly Results25 Jul 2022, 12:41PM Karur Vysya Bank - Quaterly Results25 Jul 2022, 12:41PM Karur Vysya Bank - Quaterly Results25 Jul 2022, 12:41PM Karur Vysya Bank to open new branch in Tamilnadu23 Jul 2022, 12:14PM Karur Vysya Bank informs about opening of new branch23 Jul 2022, 11:19AM The Karur Vysya Bank informs about closure of trading window19 Jul 2022, 10:13AM Karur Vysya Bank informs about appointment of part time chairman 12 Jul 2022, 2:11PM The Karur Vysya Bank informs about newspaper publication7 Jul 2022, 10:15AM The Karur Vysya Bank informs about closure of trading window28 Jun 2022, 9:53AM The Karur Vysya Bank informs about credit rating23 Jun 2022, 9:37AM The Karur Vysya Bank informs about appointment of additional director15 Jun 2022, 9:50AM The Karur Vysya Bank informs about completion of tenure of independent director15 Jun 2022, 9:48AM The Karur Vysya Bank informs about BR & BPLR6 Jun 2022, 10:15AM Karur Vysya Bank informs about disclosure on related party transactions4 Jun 2022, 10:34AM The Karur Vysya Bank informs about analyst meet2 Jun 2022, 9:48AM The Karur Vysya Bank informs about appointment of director27 May 2022, 10:36AM The Karur Vysya Bank informs about analyst meet27 May 2022, 10:35AM The Karur Vysya Bank informs about appointment of additional director27 May 2022, 10:03AM The Karur Vysya Bank informs about allotment of equity share27 May 2022, 10:01AM The Karur Vysya Bank informs about analyst meet 25 May 2022, 11:54AM 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 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 1.0119 . The historical average PB was 0.686721674467083.

Brief about Karur Vysya Bank

X