Karur Vysya Bank, 590003, KARURVYSYA Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

15,398.53
10.27
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

12,551.06
1.04%
1.59

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

EBITDA CAGR (%)

10 Years
5 Years
3 Years

9.92
39.30
45.46

PAT CAGR (%)

10 Years
5 Years
3 Years

0.77
0.89

P:E (Median)

8 Years
5 Years
3 Years

10.86
9.85
8.90

P:BV (Average)

8 Years
5 Years
3 Years

0.77
0.77
0.89

EV:EBITDA (Average)

8 Years
5 Years
3 Years

3.00
2.21
2.72

Quarterly Results

Standalone Figures in Rs. Crores

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 2,139.38 1,695.22 26.20% 1,997.08 1,579.48 26.44% 1,882.91 1,473.53 27.78% 1,768.32 1,409.27 25.48%
Interest Exp. 1,138.09 806.22 41.16% 1,081.70 758.13 42.68% 985.84 727.65 35.48% 875.74 699.34 25.22%
Net Interest Income 1,001.29 889.00 12.63% 915.38 821.35 11.45% 897.07 745.88 20.27% 892.58 709.93 25.73%
NIM 4.32 4.32 0.00% 4.07 4.07 0.00% 4.19 3.82 9.69% 4.37 3.69 18.43%
Other Income 357.79 317.49 12.69% 338.89 241.57 40.29% 333.16 199.07 67.36% 400.81 205.48 95.06%
Total Income 2,497.17 2,012.71 24.07% 2,335.97 1,821.05 28.28% 2,216.07 1,672.60 32.49% 2,169.13 1,614.75 34.33%
Operating Exp. 683.18 517.54 32.01% 616.36 490.60 25.63% 581.81 469.48 23.93% 554.34 474.10 16.92%
Operating Profit 675.90 688.95 -1.89% 637.91 572.32 11.46% 648.42 475.47 36.37% 739.05 441.31 67.47%
Provision 149.71 364.09 -58.88% 126.41 227.19 -44.36% 159.42 154.64 3.09% 293.01 140.12 109.11%
PBT 526.19 324.86 61.97% 511.50 345.13 48.21% 489.00 320.83 52.42% 446.04 301.19 48.09%
PBTM 24.60 19.16 28.39% 25.61 21.85 17.21% 25.97 21.77 19.29% 25.22 21.37 18.02%
TAX 114.56 35.57 222.07% 133.05 94.90 40.20% 130.37 92.08 41.58% 108.22 87.72 23.37%
PAT 411.63 289.29 42.29% 378.45 250.23 51.24% 358.63 228.75 56.78% 337.82 213.47 58.25%
PATM 19.24% 17.07% 18.95% 15.84% 19.05% 15.52% 19.10% 15.15%
EPS 5.12 3.61 41.83% 4.71 3.13 50.48% 4.47 2.86 56.29% 4.21 2.67 57.68%
Gross NPA 1,151.86 1,674.34 -31.21% 1,219.08 2,456.53 -50.37% 1,329.65 3,107.17 -57.21% 1,458.15 3,431.04 -57.50%
Gross NPA% 1.58 2.70 -41.48% 1.73 4.02 -56.97% 1.99 5.28 -62.31% 2.27 6.03 -62.35%
Net NPA 305.27 550.43 -44.54% 323.63 818.72 -60.47% 390.02 1,098.36 -64.49% 468.15 1,260.79 -62.87%
Net NPA% 0.42 0.90 -53.33% 0.47 1.38 -65.94% 0.59 1.93 -69.43% 0.74 2.31 -67.97%
CASA 32.00 34.00 -5.88% 32.00 35.00 -8.57% 33.00 36.00 -8.33% 33.00 35.00 -5.71%

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Interest Income 3,706.32 3,348.81 2,715.37 2,359.52 2,347.95 2,362.82 2,298.11 2,073.70 1,781.40 1,465.91 1,283.70 Interest Earned 7,787.69 6,516.55 5,587.67 5,470.43 5,989.99 5,815.82 5,699.65 5,622.35 5,443.43 5,395.88 5,115.96 Interest Expended 4,081.37 3,167.74 2,872.30 3,110.91 3,642.04 3,453.00 3,401.54 3,548.65 3,662.03 3,929.97 3,832.26 Int. income Growth 17.06% 23.33% 15.08% 0.49% -0.63% 2.82% 10.82% 16.41% 21.52% 14.19% Other Income 1,430.65 1,158.94 769.05 918.83 1,154.62 962.77 899.93 782.22 706.78 580.84 564.45 Total Income 9,218.34 4,507.75 3,484.42 3,278.35 3,502.57 3,325.59 3,198.04 2,855.92 2,488.18 2,046.75 1,848.15 Total Expenditure 2,435.69 2,965.22 2,434.33 2,619.84 3,111.50 2,902.14 2,609.15 1,886.55 1,493.74 1,502.60 1,347.28 Employee Cost - 1,005.96 945.03 1,153.68 856.65 761.17 639.08 607.96 547.38 547.05 527.92 % Of Sales - 15.44% 16.91% 21.09% 14.30% 13.09% 11.21% 10.81% 10.06% 10.14% 10.32% Opt. & Establishment Exp. - 1,131.66 1,028.37 957.30 1,003.95 954.86 866.89 762.88 720.56 637.76 557.13 % Of Sales - 17.37% 18.40% 17.50% 16.76% 16.42% 15.21% 13.57% 13.24% 11.82% 10.89% Provisions - 1,038.92 699.29 757.14 1,488.66 1,388.55 1,273.68 687.49 391.42 480.51 411.61 % Of Sales - 15.94% 12.51% 13.84% 24.85% 23.88% 22.35% 12.23% 7.19% 8.91% 8.05% EBITDA 2,701.28 1,542.53 1,050.09 658.51 391.07 423.45 588.89 969.37 994.44 544.15 500.87 EBITDA Margin 68.72% 46.06% 38.67% 27.91% 16.66% 17.92% 25.62% 46.75% 55.82% 37.12% 39.02% Depreciation 0.00 105.66 119.18 124.14 118.88 101.22 85.25 85.89 82.81 81.36 74.69 PBT 1,972.73 1,436.86 930.92 534.37 272.18 322.23 503.64 883.47 911.63 462.78 426.19 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 486.20 330.77 257.65 174.98 37.16 111.36 157.97 277.49 344.00 7.17 -3.41 Tax Rate 24.65% 23.02% 27.68% 32.75% 13.65% 34.56% 31.37% 31.41% 37.73% 1.55% -0.80% PAT 1,486.53 1,106.09 673.27 359.39 235.02 210.87 345.67 605.98 567.63 455.61 429.60 PAT before Minority Interest 1,486.53 1,106.09 673.27 359.39 235.02 210.87 345.67 605.98 567.63 455.61 429.60 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 28.94% 24.54% 19.32% 10.96% 6.71% 6.34% 10.81% 21.22% 22.81% 22.26% 23.24% PAT Growth 51.42% 64.29% 87.34% 52.92% 11.45% -39.00% -42.96% 6.76% 24.59% 6.05% EPS 18.48 13.75 8.37 4.47 2.92 2.62 4.30 7.53 7.06 5.66 5.34

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 8,584.05 7,596.20 6,959.74 6,600.28 6,422.80 6,264.19 5,035.70 4,572.95 4,246.03 3,326.34 Share Capital 160.41 160.00 159.86 159.86 159.86 145.33 121.86 121.86 121.63 107.18 Total Reserves 8,421.39 7,435.57 6,799.44 6,439.92 6,262.65 6,118.86 4,913.83 4,451.09 4,117.42 3,192.35 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 76,637.58 68,486.01 63,278.43 59,075.08 59,867.95 56,890.09 53,699.81 50,078.90 44,690.27 43,757.68 Borrowings 1,432.01 1,339.09 2,528.29 1,184.18 1,565.34 2,393.99 1,695.65 2,894.24 2,900.75 3,293.21 Other Liabilities & Provisions 3,525.77 2,650.02 1,856.72 1,418.64 1,484.02 1,393.17 1,376.46 1,438.63 1,315.42 1,165.82 Total Liabilities 90,179.41 80,071.32 74,623.18 68,278.18 69,340.11 66,941.44 61,807.62 58,984.72 53,152.47 51,543.05 Net Block 417.62 463.63 518.46 563.47 544.94 474.70 410.94 416.54 394.51 375.94 Gross Block 1,696.51 1,640.63 1,576.28 1,497.24 1,360.73 1,189.48 1,040.90 960.72 855.89 761.22 Accumulated Depreciation 1,278.88 1,177.00 1,057.82 933.76 815.79 714.77 629.96 544.18 461.39 385.28 Total Non-Current Assets 87,072.63 77,281.92 73,241.83 66,839.74 67,742.42 65,440.76 60,528.90 56,838.77 51,644.35 50,301.97 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 17.42 14.86 20.60 23.16 38.04 53.49 7.67 3.58 16.66 8.76 Cash and balance with RBI 4,279.48 3,594.26 3,514.05 2,732.67 2,934.68 2,960.07 2,790.47 2,529.06 2,692.92 2,546.20 Balance with banks and money at call 415.65 1,331.91 2,806.28 1,659.88 762.36 1,349.14 1,554.62 362.54 56.17 131.94 Investments 18,808.32 17,216.06 16,018.93 15,762.45 14,881.59 15,803.21 14,857.48 14,442.67 12,375.15 13,247.00 Advances 63,134.14 54,661.20 50,363.51 46,098.11 48,580.81 44,800.15 40,907.72 39,084.38 36,108.94 33,992.13 Other Assets 3,106.79 2,789.40 1,381.36 1,438.43 1,597.68 1,500.67 1,278.71 2,145.95 1,508.13 1,241.09 Total Assets 90,179.42 80,071.32 74,623.19 68,278.17 69,340.10 66,941.43 61,807.61 58,984.72 53,152.48 51,543.06 Contingent Liabilities 10,404.77 9,260.34 10,124.45 8,437.98 10,137.07 14,837.61 12,636.56 10,358.33 12,581.99 11,306.43 Bills for collection 2,795.99 2,329.80 2,162.37 2,232.37 2,341.84 2,316.05 2,242.46 2,720.22 2,523.24 2,106.19 Adjusted Book Value 107.00 94.94 87.07 82.57 80.35 78.37 77.00 75.05 348.52 307.85

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity 1,217.21 295.49 3,365.53 2,503.82 -1,575.65 -549.51 1,611.25 579.87 -308.95 1,184.25 PBT 1,106.09 673.27 359.39 235.02 210.87 345.67 605.98 567.63 464.28 429.60 Adjustment 1,635.78 1,378.66 1,429.87 1,799.92 1,681.29 1,458.01 914.89 720.13 554.14 454.58 Adjustments for Liabilities & Assets -1,729.66 -2,071.44 1,716.28 588.87 -3,267.81 -2,153.19 305.38 -532.89 -1,222.37 410.08 Refund/(Payment) of direct taxes 205.00 315.00 -140.00 -120.00 -200.00 -200.00 -215.00 -175.00 -105.00 -110.00 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -1,270.21 -1,593.76 -1,378.85 -1,534.61 549.35 -169.74 -83.86 -91.65 -102.32 -113.01 Net Fixed Assets -58.44 -58.61 -76.48 -121.63 -155.80 -194.40 -84.27 -91.75 -102.57 -137.24 Other Investment Activity -3307.69 -3034.34 -3131.49 -971.05 -1568.51 -1326.83 -1140.22 -1066.62 -985.56 -902.97 Cash from Financing Activity -178.05 -95.90 -58.89 -273.70 414.13 683.38 -73.90 -345.71 482.21 -189.12 Closing Cash & Equivalent 4,695.13 4,926.17 6,320.34 4,392.55 3,697.05 4,309.22 4,345.09 2,891.60 2,749.09 2,678.14 Net Cash Inflow / Outflow -231.04 -1,394.17 1,927.79 695.51 -612.17 -35.87 1,453.49 142.51 70.95 882.12 Opening Cash & Equivalents 4,926.17 6,320.34 4,392.55 3,697.05 4,309.22 4,345.09 2,891.60 2,749.09 2,678.14 1,796.02

Financial Ratios

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value 107.00 94.94 87.07 82.57 80.35 78.37 70.00 63.57 59.04 52.15 NIM 3.87 3.54 3.25 3.54 3.52 3.54 3.45 3.16 2.86 2.57 Yield on Advances 10.32 10.22 10.86 12.99 11.97 12.72 13.74 13.93 14.94 15.05 Yield on Investments 6.00 5.08 7.23 9.45 8.21 7.75 8.82 8.24 9.93 9.82 Cost of Liabilities 4.06 4.11 4.73 6.04 5.62 5.74 6.41 6.91 8.26 8.14 Interest Spread 6.26 6.11 6.13 6.95 6.35 6.98 7.34 7.01 6.69 6.91 ROCE 16.23% 11.11% 7.32% 5.01% 5.21% 7.74% 13.90% 15.61% 12.38% 11.53% Cost Income Ratio 45.08 53.21 60.60 49.73 48.56 44.42 44.99 47.63 53.91 54.67 Core Cost Income Ratio 45.37 52.46 64.90 55.07 49.61 45.87 48.47 49.51 55.85 57.92 Operating Costs to Assets 2.25 2.32 2.66 2.55 2.33 2.12 2.08 2.01 2.08 1.96 Loans/Deposits 0.02 0.02 0.04 0.02 0.03 0.04 0.03 0.06 0.06 0.08 Cash/Deposits 0.06 0.05 0.06 0.05 0.05 0.05 0.05 0.05 0.06 0.06 Investment/Deposits 0.25 0.25 0.25 0.27 0.25 0.28 0.28 0.29 0.28 0.30 Inc Loan/Deposits 1.87% 1.96% 4.00% 2.00% 2.61% 4.21% 3.16% 5.78% 6.49% 7.53% Credit Deposits 82.38% 79.81% 79.59% 78.03% 81.15% 78.75% 76.18% 78.05% 80.80% 77.68% Interest Expended / Interest earned 48.61% 51.40% 56.87% 60.80% 59.37% 59.68% 63.12% 67.27% 72.83% 74.91% Interest income / Total funds 7.23% 6.98% 7.33% 8.77% 8.39% 8.51% 9.10% 9.23% 10.15% 9.93% Interest Expended / Total funds 3.51% 3.59% 4.17% 5.33% 4.98% 5.08% 5.74% 6.21% 7.39% 7.44% CASA 33.21% 34.90% 34.22% 31.33% 29.92% 29.14% 27.73% 23.31% 22.02% 20.54%

Top Investors:

hdfc mutual fund (various funds)

rekha jhunjhunwala

hsbc mutual fund (various funds)

nippon life india trustee ltd a/c (various funds)

sbi mutual fund (various funds)

franklin india mutual fund (various funds)

hdfc life insurance company limited

tata mutual fund (various funds)

uti mutual fund (various funds)

sbi life insurance co. ltd

Annual Reports:

News Update:

Karur Vysya Bank to open new branch in Tamil Nadu
12th Apr 2024, 10:11 AM

The bank will be opening 839th branch at Seenikadai Mukkam, Pudukottai Road, Karambakkudi, Pudukottai District, Tamil Nadu
Read More
Karur Vysya Bank records 16% growth in advances in Q4FY24
2nd Apr 2024, 10:30 AM

CASA stood at Rs 27,085 crore (provisional) as of March 31, 2024, posting a 6.43% rise in year-on-year terms against Rs 25,449 crore as of March 31, 2023
Read More
Karur Vysya Bank inaugurates three new branches
31st Jan 2024, 15:40 PM

With this, the total branch network of the Bank increased to 834
Read More
Karur Vysya Bank to open three new branches
30th Jan 2024, 12:07 PM

The bank will be opening 832nd branch at Ekalavya Nagar, Atmakur, Nandyal District
Read More
Karur Vysya Bank reports 42% rise in Q3 net profit
23rd Jan 2024, 12:29 PM

Total income of the bank increased by 24.07% at Rs 2497.17 crore for Q3FY24
Read More
Karur Vysya Bank - Quarterly Results
23rd Jan 2024, 09:57 AM

Read More

Karur Vysya Bank Ltd.

Bank - Private

BSE: 590003 | NSE: KARURVYSYA

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

Karur Vysya Bank Ltd.

Bank - Private

BSE: 590003 | NSE: KARURVYSYA

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: