Karur Vysya Bank

Market Cap (₹ Cr.)

₹17,458

52 Week High

239.80

Book Value

₹

52 Week Low

148.25

PE Ratio

9.70

PB Ratio

1.60

PE for Sector

13.75

PB for Sector

1.50

ROE

15.98 %

ROCE

6.15 %

Dividend Yield

1.11 %

EPS

₹21.19

Industry

Banks

Sector

Banks - Private Sector

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

28.50 %

Net Income Growth

45.09 %

Cash Flow Change

142.69 %

ROE

24.05 %

ROCE

20.47 %

EBITDA Margin (Avg.)

8.97 %

Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024
Revenue	1,516	1,519	1,570	1,525	1,536	1,547	1,611	1,581	1,665	1,620	1,633	1,647	1,700	1,697	1,633	1,703	1,746	1,762	1,815	1,764	1,803	1,693	1,577	1,602	1,518	1,579	1,561	1,600	1,615	1,673	1,821	2,013	2,169	2,216	2,336	2,497	2,813	2,673	2,856
Expenses	512	407	414	388	367	427	513	510	522	559	679	690	766	802	606	816	779	739	808	817	867	743	620	779	603	677	634	627	614	624	718	882	847	741	743	833	1,051	800	896
EBITDA	1,004	1,111	1,156	1,137	1,169	1,120	1,098	1,071	1,143	1,061	953	957	934	896	1,026	887	967	1,024	1,007	947	936	951	957	822	915	903	927	973	1,001	1,048	1,103	1,131	1,322	1,475	1,593	1,664	1,763	1,873	1,960
Operating Profit %	61 %	70 %	70 %	71 %	73 %	69 %	63 %	64 %	64 %	60 %	52 %	51 %	49 %	44 %	58 %	43 %	47 %	51 %	47 %	46 %	40 %	46 %	56 %	42 %	55 %	51 %	55 %	55 %	56 %	58 %	55 %	48 %	52 %	61 %	63 %	61 %	52 %	65 %	62 %
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	930	933	927	904	898	904	898	894	853	846	847	861	848	859	878	862	854	909	941	927	866	814	793	767	737	738	718	717	699	728	758	806	876	986	1,082	1,138	1,189	1,260	1,324
Profit Before Tax	74	178	229	233	272	216	200	178	290	216	106	96	86	37	148	25	112	115	66	20	71	136	164	56	178	165	210	255	301	321	345	325	446	489	512	526	574	613	636
Tax	-64	44	87	80	134	70	74	62	72	68	30	25	35	-9	65	3	52	42	3	5	-13	31	49	21	74	56	44	70	88	92	95	36	108	130	133	115	117	154	163
Net Profit	138	135	142	153	138	146	126	116	218	148	76	71	51	46	84	21	60	73	63	15	84	106	115	35	104	109	165	185	213	229	250	289	338	359	378	412	456	459	474
EPS in ₹	11.09	11.05	11.67	12.54	11.33	12.01	10.37	1.78	3.57	2.43	1.16	0.95	0.66	0.60	1.05	0.27	0.75	0.91	0.79	0.19	1.05	1.32	1.44	0.43	1.31	1.36	2.07	2.32	2.67	2.86	3.13	3.61	4.21	4.47	4.72	5.13	5.67	5.70	5.89

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	53,153	58,985	61,808	66,941	69,340	68,278	74,623	80,071	90,179	1,05,585
Fixed Assets	395	417	411	475	545	563	518	464	418	412
Current Assets	0	0	0	0	0	0	0	0	0	0
Capital Work in Progress	17	4	8	53	38	23	21	15	17	20
Investments	12,375	14,443	14,858	15,803	14,882	15,762	16,019	17,216	18,808	22,344
Other Assets	40,366	44,122	46,531	50,610	53,876	51,929	58,065	62,377	70,936	82,809
Total Liabilities	48,906	54,412	56,772	60,677	62,917	61,678	67,663	72,475	81,595	95,545
Current Liabilities	0	0	0	0	0	0	0	0	0	0
Non Current Liabilities	48,906	54,412	56,772	60,677	62,917	61,678	67,663	72,475	81,595	95,545
Total Equity	4,246	4,573	5,036	6,264	6,423	6,600	6,960	7,596	8,584	10,040
Reserve & Surplus	4,124	4,451	4,914	6,119	6,263	6,440	6,800	7,436	8,424	9,879
Share Capital	122	122	122	145	160	160	160	160	160	161

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	71	143	1,453	-36	-612	696	1,928	-1,394	-231	963
Investing Activities	-102	-92	-84	-170	549	-1,535	-1,379	-1,594	-1,270	-1,296
Operating Activities	-309	580	1,611	-550	-1,576	2,504	3,366	295	1,217	2,954
Financing Activities	482	-346	-74	683	414	-274	-59	-96	-178	-694

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024
Promoter	2.13 %	2.12 %	2.12 %	2.28 %	2.28 %	2.28 %	2.26 %	2.25 %	2.24 %	2.24 %	2.24 %	2.22 %	2.20 %	2.15 %	2.13 %
FIIs	21.29 %	21.11 %	18.92 %	15.45 %	15.35 %	15.43 %	16.49 %	17.03 %	17.93 %	17.90 %	18.09 %	15.61 %	15.38 %	15.11 %	15.10 %
DIIs	20.45 %	20.07 %	19.69 %	21.32 %	21.88 %	22.75 %	25.17 %	30.73 %	30.80 %	32.10 %	32.29 %	35.16 %	36.22 %	35.68 %	37.01 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.01 %	0.02 %	0.02 %	0.00 %	0.00 %
Public / Retail	56.13 %	56.70 %	59.28 %	60.95 %	60.49 %	59.54 %	56.08 %	49.98 %	49.02 %	47.77 %	47.38 %	47.00 %	46.19 %	47.07 %	45.76 %

Show % Change

Dividend History

No dividends have been distributed by the company in the past 10 years

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
HDFC Bank	1,741.20	13,31,590.25	19.25	4,07,994.78	99.35	65,447	7.60	54.18
ICICI Bank	1,250.55	8,80,978.56	18.60	2,36,037.73	26.78	45,007	22.51	44.61
Axis Bank	1,139.15	3,51,178.91	12.57	1,37,989.36	30.43	26,424	19.36	43.08
Kotak Bank	1,737.10	3,43,286.38	17.86	94,273.91	38.35	17,977	13.07	44.24
IDBI Bank	76.06	83,546.16	12.35	30,370.41	20.68	5,814	34.17	36.36
Indusind Bank	981.45	77,910.99	9.56	55,143.99	23.81	8,977	-39.55	18.50
Yes Bank	19.13	61,317.47	34.32	32,960.89	23.98	1,285	147.81	33.25
Federal Bank	210.88	50,701.04	12.27	26,781.95	32.27	3,928	10.74	64.79
IDFC First Bank	62.94	47,288.18	20.38	36,256.84	33.32	2,942	-71.62	34.71
AU Small Finance Bank	593.90	43,885.67	23.31	1,445.99	19.10	761	42.15	39.85