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

₹ 116 -3.95%
23 Oct - 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 Q3 FY26[1][2][3]
Net Interest Margin - 2.50%
Gross NPA - 2.08%
Net NPA - 0.45%
CASA Ratio - 29.52%
PCR: 94.19%
Cost to Income: 46.86%
Cost of Funds: 5.18%

Website BSE NSE F&O
  • Market Cap ₹ 1,05,365 Cr.
  • Current Price ₹ 116
  • High / Low ₹ 163 / 115
  • Stock P/E 5.17
  • Book Value ₹ 141
  • Dividend Yield 3.62 %
  • ROCE 6.52 %
  • ROE 16.1 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 0.82 times its book value
  • Stock is providing a good dividend yield of 3.62%.
  • 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
  • Working capital days have increased from 258 days to 423 days

* 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

Consolidated Figures in Rs. Crores / View Standalone

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
27,290 28,492 29,286 29,173 30,182 30,751 31,496 31,523 32,072 30,938 31,839 32,957 35,162
Interest 17,934 18,620 19,226 19,534 20,427 21,163 21,556 21,992 22,412 22,709 22,024 22,737 24,151
10,859 12,001 13,198 12,010 12,066 10,752 12,124 13,141 13,251 4,002 8,870 10,391 9,803
Financing Profit -1,504 -2,129 -3,138 -2,371 -2,312 -1,165 -2,185 -3,610 -3,591 4,227 944 -172 1,209
Financing Margin % -6% -7% -11% -8% -8% -4% -7% -11% -11% 14% 3% -1% 3%
6,602 7,138 8,098 7,793 7,824 6,679 8,761 8,086 9,942 2,152 4,700 6,739 5,777
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 5,098 5,009 4,960 5,422 5,513 5,515 6,576 4,475 6,351 6,379 5,644 6,567 6,986
Tax % 28% 25% 24% 27% 26% 25% 22% 33% 23% 24% 22% 26% 26%
3,829 3,827 3,991 4,098 4,227 4,256 5,111 3,233 4,896 5,174 4,575 5,182 5,383
EPS in Rs 4.19 4.18 4.36 4.48 4.62 4.65 5.59 3.52 5.35 5.79 5.04 5.71 5.93
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

Consolidated Figures in Rs. Crores / View Standalone

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
43,813 44,039 41,457 41,345 47,951 49,759 70,253 70,614 85,885 110,519 121,601 126,371 130,895
Interest 34,133 34,263 31,540 29,113 32,339 35,817 45,182 43,035 52,990 72,118 82,681 89,138 91,621
10,302 17,785 15,691 25,582 27,202 26,809 43,437 41,235 42,772 46,146 46,082 38,340 33,066
Financing Profit -621 -8,008 -5,775 -13,350 -11,590 -12,867 -18,367 -13,657 -9,877 -7,745 -7,162 -1,106 6,208
Financing Margin % -1% -18% -14% -32% -24% -26% -26% -19% -12% -7% -6% -1% 5%
4,733 5,266 7,852 7,398 9,907 11,799 23,086 23,643 25,325 28,646 31,057 26,712 19,367
Depreciation 429 172 331 456 429 446 838 841 1,021 902 870 925 0
Profit before tax 3,683 -2,914 1,746 -6,408 -2,111 -1,514 3,882 9,145 14,427 20,000 23,025 24,681 25,575
Tax % 22% -13% 29% -36% -126% 34% 30% 37% 25% 26% 25% 23%
2,931 -2,535 1,411 -3,873 696 -1,921 2,957 6,158 11,345 15,401 17,692 19,712 20,314
EPS in Rs 10.96 -8.73 4.55 -10.78 1.60 -3.86 3.51 6.75 12.41 16.84 19.34 19.70 22.47
Dividend Payout % 17% 0% 4% 0% 0% 0% 0% 19% 19% 19% 21% 21%
Compounded Sales Growth
10 Years: 11%
5 Years: 12%
3 Years: 14%
TTM: 4%
Compounded Profit Growth
10 Years: 24%
5 Years: 44%
3 Years: 18%
TTM: 7%
Stock Price CAGR
10 Years: 7%
5 Years: 24%
3 Years: 18%
1 Year: -8%
Return on Equity
10 Years: 11%
5 Years: 16%
3 Years: 17%
Last Year: 16%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

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 32,017 31,867 34,088 36,164 36,936 40,176 60,763 68,147 76,240 90,319 103,603 115,891 126,206
Deposits 485,802 479,749 495,266 524,847 599,123 625,408 1,010,985 1,086,341 1,179,086 1,312,242 1,456,495 1,568,333 1,696,935
Borrowing 13,686 26,963 39,592 38,910 41,043 42,762 50,013 46,285 58,073 57,538 89,665 155,288 167,912
26,578 24,603 26,615 30,781 33,928 32,064 56,132 56,202 65,816 73,104 80,950 45,999 44,948
Total Liabilities 558,558 563,725 596,159 631,435 711,783 741,440 1,179,540 1,258,789 1,381,030 1,535,018 1,732,527 1,887,325 2,037,815
6,969 7,206 7,185 8,335 8,433 8,323 11,269 11,447 10,334 12,184 10,302 10,595 10,882
CWIP 1 0 0 0 0 0 2 2 0 147 0 0 0
Investments 152,122 152,470 162,073 157,444 168,678 192,645 286,191 311,347 352,893 399,207 428,024 407,389 416,334
399,466 404,049 426,901 465,657 534,672 540,472 882,077 935,992 1,017,803 1,123,480 1,294,201 1,469,341 1,610,598
Total Assets 558,558 563,725 596,159 631,435 711,783 741,440 1,179,540 1,258,789 1,381,030 1,535,018 1,732,527 1,887,325 2,037,815

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
6,344 9,346 2,575 -11,120 18,237 -5,289 59,118 919 -39,978 15,046 60,669 7,942
-1,104 -443 -476 -487 -745 -445 -1,116 -1,429 -1,156 -1,750 -2,437 -2,707
-1,464 -806 124 2,865 -1,185 7,792 290 4,035 445 -3,834 -3,506 -4,795
Net Cash Flow 3,776 8,096 2,224 -8,743 16,307 2,059 58,291 3,525 -40,689 9,462 54,725 440
Free Cash Flow 5,530 8,976 2,195 -11,580 17,631 -5,627 58,195 98 -40,591 13,793 61,830 6,652

Ratios

Consolidated / View Standalone

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% -8% 4% -11% 2% -5% 6% 9% 15% 18% 18% 16%

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
₹ Crore

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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

Extracted by Screener AI

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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