Canara Bank

Canara Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Canara Bank

₹ 114 0.18%
04 Jul - close price
canarabank.com BSE: 532483 NSE: CANBK
About

Canara Bank was merged with erstwhile Syndicate Bank in FY21.{# Canara was incorporated in 1906 and nationalised in 1969, along with 13 other major commercial banks of India, by the GoI. The bank is headquartered in Bangalore.Canara Bank was merged with erstwhile Syndicate Bank (e-SB) on April 1, 2020 #page=4 #}

Key Points

Ratios as of FY24[1]
CARA - 16.28%
Net Interest Margin - 3.05%
Gross NPA - 4.23%
Net NPA - 1.27%
CASA Ratio - 32.29%
Gross Loan Portfolio: Rs. 9,60,602 Crs.
PCR: 89.10 %[2]
Cost to Income Ratio: 47.03
Cost of Funds: 5%[3]

Market Share[4]*
The bank has a market share of 6.2% and 6.5% in net advances and total deposits, respectively as on Jun'23

Website BSE NSE
  • Market Cap ₹ 1,03,750 Cr.
  • Current Price ₹ 114
  • High / Low ₹ 119 / 78.6
  • Stock P/E 6.09
  • Book Value ₹ 110
  • Dividend Yield 3.50 %
  • ROCE 6.79 %
  • ROE 18.2 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 1.04 times its book value
  • Stock is providing a good dividend yield of 3.50%.
  • Company has delivered good profit growth of 57.3% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 20.6%

Cons

  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.4,08,643 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Public Sector Bank

Part of BSE 500 BSE 100 BSE 200 BSE PSU Nifty Next 50

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
17,862 18,177 20,107 22,231 23,910 25,004 26,838 28,039 28,807 28,701 29,740 30,312 31,002
Interest 10,856 11,392 12,673 13,631 15,293 16,338 17,935 18,622 19,227 19,535 20,425 21,163 21,560
8,974 9,044 8,990 8,756 9,235 8,600 8,530 8,806 9,892 9,151 8,894 9,512 9,341
Financing Profit -1,968 -2,259 -1,557 -156 -618 66 373 612 -312 15 422 -364 101
Financing Margin % -11% -12% -8% -1% -3% 0% 1% 2% -1% 0% 1% -1% 0%
4,462 5,175 4,825 3,986 4,775 4,819 4,634 4,295 5,218 5,319 4,981 5,802 6,351
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 2,493 2,916 3,269 3,831 4,157 4,885 5,008 4,907 4,906 5,334 5,403 5,438 6,452
Tax % 33% 31% 23% 25% 24% 28% 28% 25% 23% 27% 26% 25% 22%
1,666 2,022 2,525 2,882 3,175 3,535 3,606 3,656 3,757 3,905 4,015 4,104 5,003
EPS in Rs 1.84 2.23 2.78 3.18 3.50 3.90 3.98 4.03 4.14 4.31 4.43 4.52 5.52
Gross NPA % 7.51% 6.98% 6.37% 5.89% 5.35% 5.15% 4.76% 4.39% 4.23% 4.14% 3.73% 3.34% 2.94%
Net NPA % 2.65% 2.48% 2.19% 1.96% 1.73% 1.57% 1.41% 1.32% 1.27% 1.24% 0.99% 0.89% 0.70%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
39,548 43,750 44,022 41,388 41,252 46,810 48,935 69,280 69,410 84,425 108,688 119,755
Interest 30,603 34,086 34,259 31,516 29,089 32,332 35,811 45,178 43,026 52,989 72,122 82,683
9,586 10,289 17,654 15,457 25,222 22,964 22,260 34,500 33,104 35,032 34,958 36,061
Financing Profit -641 -626 -7,891 -5,585 -13,059 -8,486 -9,137 -10,397 -6,720 -3,596 1,607 1,011
Financing Margin % -2% -1% -18% -13% -32% -18% -19% -15% -10% -4% 1% 1%
3,933 4,550 4,875 7,554 6,943 6,575 7,813 14,924 16,497 18,762 18,966 22,453
Depreciation 228 427 170 328 445 417 432 820 816 993 869 837
Profit before tax 3,063 3,498 -3,186 1,642 -6,561 -2,327 -1,756 3,707 8,962 14,173 19,705 22,627
Tax % 20% 23% -12% 32% -36% -115% 27% 31% 37% 25% 26% 25%
2,438 2,703 -2,813 1,122 -4,222 347 -2,236 2,558 5,678 10,604 14,554 17,027
EPS in Rs 9.61 10.34 -9.42 3.76 -11.52 0.92 -4.34 3.11 6.26 11.69 16.05 18.77
Dividend Payout % 21% 18% 0% 5% 0% 0% 0% 0% 21% 21% 20% 21%
Compounded Sales Growth
10 Years: 11%
5 Years: 20%
3 Years: 20%
TTM: 10%
Compounded Profit Growth
10 Years: 20%
5 Years: 57%
3 Years: 44%
TTM: 17%
Stock Price CAGR
10 Years: 7%
5 Years: 41%
3 Years: 45%
1 Year: -2%
Return on Equity
10 Years: 8%
5 Years: 14%
3 Years: 17%
Last Year: 18%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 461 475 543 597 733 753 1,030 1,647 1,814 1,814 1,814 1,814
Reserves 29,159 31,384 31,060 33,088 34,872 35,424 38,263 57,238 64,297 71,793 85,140 98,086
Deposits 431,999 485,917 479,792 495,275 524,772 599,033 625,351 1,010,875 1,086,409 1,179,219 1,312,367 1,456,883
Borrowing 15,955 13,594 26,873 39,504 38,809 40,992 42,762 49,984 46,285 58,090 57,592 89,665
14,348 16,630 14,693 15,055 17,701 18,564 16,469 33,932 28,174 34,817 34,627 36,401
Total Liabilities 491,922 548,001 552,961 583,519 616,886 694,767 723,875 1,153,675 1,226,980 1,345,732 1,491,541 1,682,850
6,642 6,949 7,198 7,168 8,319 8,410 8,276 11,204 11,354 10,231 12,228 10,215
CWIP 0 0 0 0 0 0 0 2 2 0 0 0
Investments 126,828 142,061 142,309 150,266 144,054 152,985 176,245 261,690 282,013 319,038 357,454 380,343
358,452 398,990 403,453 426,085 464,514 533,371 539,354 880,778 933,610 1,016,463 1,121,858 1,292,291
Total Assets 491,922 548,001 552,961 583,519 616,886 694,767 723,875 1,153,675 1,226,980 1,345,732 1,491,541 1,682,850

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
9,535 4,547 6,078 2,316 -11,504 17,886 -5,459 58,533 268 -40,676 14,254 59,947
-501 -875 -317 -348 -274 -461 -277 -666 -657 -390 -1,083 -1,860
1,079 140 2,331 124 2,865 -1,185 7,855 284 4,035 435 -3,834 -3,506
Net Cash Flow 10,114 3,812 8,093 2,092 -8,913 16,240 2,119 58,151 3,646 -40,631 9,337 54,580

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 9% 9% -9% 3% -12% 1% -6% 5% 9% 15% 18% 18%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93%
7.97% 8.44% 8.74% 8.95% 8.91% 10.19% 11.21% 10.57% 11.91% 11.26% 11.10% 10.54%
13.82% 15.34% 16.60% 16.20% 15.93% 14.91% 14.29% 14.39% 11.19% 11.65% 11.71% 11.85%
15.27% 13.28% 11.72% 11.92% 12.21% 11.96% 11.55% 12.10% 13.94% 14.17% 14.24% 14.67%
No. of Shareholders 6,76,4876,47,8646,16,0246,29,4446,35,5566,38,4016,44,7707,59,08311,93,26716,39,36317,48,70817,99,432

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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