Canara Bank

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

₹ 118 0.70%
04 Nov - close price
canarabank.com BSE: 532483 NSE: CANBK F&O
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.

Key Points

Ratios as of Q2 FY27[1][2][3][4]
Net Interest Margin - 2.55% (Quarterly)
Gross NPA - 1.33%
Net NPA - 0.3%
CASA Ratio - 29%
PCR - 95.34%
Cost to Income - 47.8% (Quarterly)
Cost of Funds - 4.88%
CRAR - 17.19%
CET-1 Ratio - 12.8%

Website BSE NSE F&O
  • Market Cap ₹ 1,07,324 Cr.
  • Current Price ₹ 118
  • High / Low ₹ 163 / 115
  • Stock P/E 5.45
  • Book Value ₹ 136
  • Dividend Yield 3.55 %
  • ROCE 6.55 %
  • ROE 18.1 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 0.87 times its book value
  • Stock is providing a good dividend yield of 3.55%.
  • Company has delivered good profit growth of 50.1% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 20.4%

Cons

  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.6,04,935 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 Dollex 200 BSE PSU

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
26,838 28,039 28,807 28,701 29,740 30,312 31,002 31,003 31,544 31,982 31,838 32,957 35,159
Interest 17,935 18,622 19,227 19,535 20,425 21,163 21,560 21,994 22,403 22,729 22,030 22,742 24,155
8,530 8,806 9,892 9,151 8,894 9,512 9,341 9,867 9,961 10,447 8,867 10,387 9,800
Financing Profit 373 612 -312 15 422 -364 101 -858 -820 -1,194 941 -171 1,204
Financing Margin % 1% 2% -1% 0% 1% -1% 0% -3% -3% -4% 3% -1% 3%
4,634 4,295 5,218 5,319 4,981 5,802 6,351 7,060 7,054 7,899 4,824 6,727 5,772
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 5,008 4,907 4,906 5,334 5,403 5,438 6,452 6,202 6,234 6,705 5,766 6,556 6,976
Tax % 28% 25% 23% 27% 26% 25% 22% 23% 23% 23% 22% 26% 26%
3,606 3,656 3,757 3,905 4,015 4,104 5,003 4,752 4,774 5,155 4,506 4,856 5,175
EPS in Rs 3.98 4.03 4.14 4.31 4.43 4.52 5.52 5.24 5.26 5.68 4.97 5.35 5.70
Gross NPA % 4.76% 4.39% 4.23% 4.14% 3.73% 3.34% 2.94% 2.69% 2.35% 2.08% 1.84% 1.57% 1.33%
Net NPA % 1.41% 1.32% 1.27% 1.24% 0.99% 0.89% 0.70% 0.63% 0.54% 0.45% 0.43% 0.36% 0.30%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
43,750 44,022 41,388 41,252 46,810 48,935 69,280 69,410 84,425 108,688 119,755 126,366 131,936
Interest 34,086 34,259 31,516 29,089 32,332 35,811 45,178 43,026 52,989 72,122 82,683 89,156 91,656
10,289 17,654 15,457 25,222 22,964 22,260 34,500 33,104 35,032 34,958 36,061 38,224 39,500
Financing Profit -626 -7,891 -5,585 -13,059 -8,486 -9,137 -10,397 -6,720 -3,596 1,607 1,011 -1,014 780
Financing Margin % -1% -18% -13% -32% -18% -19% -15% -10% -4% 1% 1% -1% 1%
4,550 4,875 7,554 6,943 6,575 7,813 14,924 16,497 18,762 18,966 22,453 26,838 25,223
Depreciation 427 170 328 445 417 432 820 816 993 869 837 917 0
Profit before tax 3,498 -3,186 1,642 -6,561 -2,327 -1,756 3,707 8,962 14,173 19,705 22,627 24,907 26,003
Tax % 23% -12% 32% -36% -115% 27% 31% 37% 25% 26% 25% 23%
2,703 -2,813 1,122 -4,222 347 -2,236 2,558 5,678 10,604 14,554 17,027 19,187 19,691
EPS in Rs 11.06 -10.08 3.76 -11.52 0.92 -4.34 3.11 6.26 11.69 16.05 18.77 21.15 21.70
Dividend Payout % 18% 0% 5% 0% 0% 0% 0% 21% 21% 20% 21% 20%
Compounded Sales Growth
10 Years: 11%
5 Years: 13%
3 Years: 14%
TTM: 7%
Compounded Profit Growth
10 Years: 24%
5 Years: 50%
3 Years: 23%
TTM: 6%
Stock Price CAGR
10 Years: 7%
5 Years: 21%
3 Years: 15%
1 Year: -15%
Return on Equity
10 Years: 11%
5 Years: 16%
3 Years: 18%
Last Year: 18%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 475 543 597 733 753 1,030 1,647 1,814 1,814 1,814 1,814 1,814 1,814
Reserves 31,384 31,060 33,088 34,872 35,424 38,263 57,238 64,297 71,793 85,140 98,086 111,568 121,368
Deposits 485,917 479,792 495,275 524,772 599,033 625,351 1,010,875 1,086,409 1,179,219 1,312,367 1,429,862 1,568,678 1,697,306
Borrowing 13,594 26,873 39,504 38,809 40,992 42,762 49,984 46,285 58,090 57,592 116,686 155,288 167,912
16,630 14,693 15,055 17,701 18,564 16,469 33,932 28,174 34,817 34,627 38,237 45,853 44,798
Total Liabilities 548,001 552,961 583,519 616,886 694,767 723,875 1,153,675 1,226,980 1,345,732 1,491,541 1,684,686 1,883,202 2,033,198
6,949 7,198 7,168 8,319 8,410 8,276 11,204 11,354 10,231 12,228 10,215 10,570 10,859
CWIP 0 0 0 0 0 0 2 2 0 0 0 0 0
Investments 142,061 142,309 150,266 144,054 152,985 176,245 261,690 282,013 319,038 357,454 382,179 403,415 411,845
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 1,469,217 1,610,495
Total Assets 548,001 552,961 583,519 616,886 694,767 723,875 1,153,675 1,226,980 1,345,732 1,491,541 1,684,686 1,883,202 2,033,198

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
4,547 6,078 2,316 -11,504 17,886 -5,459 58,533 268 -40,676 14,254 59,947 6,786
-875 -317 -348 -274 -461 -277 -666 -657 -390 -1,083 -1,860 -1,028
140 2,331 124 2,865 -1,185 7,855 284 4,035 435 -3,834 -3,506 -4,795
Net Cash Flow 3,812 8,093 2,092 -8,913 16,240 2,119 58,151 3,646 -40,631 9,337 54,580 963
Free Cash Flow 3,721 5,698 1,948 -11,831 17,375 -5,785 57,796 -277 -41,163 13,122 58,498 5,442

Ratios

Standalone / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 9% -9% 3% -12% 1% -6% 5% 9% 15% 18% 18% 18%

Insights

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Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Global Deposits
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Global Gross Advances
₹ Crore
Total Domestic Branches
count
Mobile Banking Registrations
Crore (Nos)
Retail Credit
₹ Crore
CASA Deposits
₹ Crore
MeitY Digital Transactions
Crore (Nos)
RAM Credit (Retail, Agriculture & MSME)
₹ Crore

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Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93%
11.21% 10.57% 11.91% 11.26% 11.10% 10.54% 11.38% 11.89% 14.61% 14.24% 12.68% 12.27%
14.29% 14.39% 11.19% 11.65% 11.71% 11.85% 11.41% 12.23% 10.47% 10.91% 11.91% 12.37%
11.55% 12.10% 13.94% 14.17% 14.24% 14.67% 14.27% 12.92% 11.98% 11.93% 12.48% 12.43%
No. of Shareholders 6,44,7707,59,08311,93,26716,39,36317,48,70817,99,43216,99,71516,14,08115,30,69815,02,13015,21,08815,10,319

* 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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