Canara Bank

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

Canara Bank

₹ 131 -2.50%
29 May - 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.

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
  • Market Cap ₹ 1,18,609 Cr.
  • Current Price ₹ 131
  • High / Low ₹ 163 / 104
  • Stock P/E 6.02
  • Book Value ₹ 130
  • Dividend Yield 3.21 %
  • ROCE 6.51 %
  • ROE 17.7 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 1.01 times its book value
  • Stock is providing a good dividend yield of 3.21%.
  • Company has delivered good profit growth of 47.1% 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.4,07,369 Cr.
  • Company might be capitalizing the interest cost
  • Working capital days have increased from 270 days to 431 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

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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

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
24,304 25,451 27,290 28,492 29,286 29,173 30,182 30,751 31,496 31,523 32,072 30,938 31,839
Interest 15,292 16,337 17,934 18,620 19,226 19,534 20,427 21,163 21,556 21,992 22,412 22,709 22,024
12,253 10,990 10,859 12,001 13,198 12,010 12,066 10,752 12,124 13,141 13,251 4,002 8,870
Financing Profit -3,241 -1,876 -1,504 -2,129 -3,138 -2,371 -2,312 -1,165 -2,185 -3,610 -3,591 4,227 944
Financing Margin % -13% -7% -6% -7% -11% -8% -8% -4% -7% -11% -11% 14% 3%
7,470 6,809 6,602 7,138 8,098 7,793 7,824 6,679 8,761 8,086 9,942 2,152 4,700
Depreciation -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Profit before tax 4,229 4,933 5,098 5,009 4,960 5,422 5,513 5,515 6,576 4,475 6,351 6,379 5,644
Tax % 24% 28% 28% 25% 24% 27% 26% 25% 22% 33% 23% 24% 22%
3,364 3,755 3,829 3,827 3,991 4,098 4,227 4,256 5,111 3,233 4,896 5,174 4,575
EPS in Rs 3.68 4.12 4.19 4.18 4.36 4.48 4.62 4.65 5.59 3.52 5.35 5.79 5.04
Gross NPA % 5.35% 5.16% 4.76% 4.39% 4.23% 4.14% 3.73% 3.34% 2.94% 2.69% 2.35% 2.08% 1.84%
Net NPA % 1.73% 1.57% 1.41% 1.32% 1.27% 1.24% 0.99% 0.89% 0.70% 0.63% 0.54% 0.45% 0.43%
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
43,813 44,039 41,457 41,345 47,951 49,759 70,253 70,614 85,885 110,519 121,601 126,371
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
10,302 17,785 15,691 25,582 27,202 26,809 43,437 41,235 42,772 46,146 46,082 39,264
Financing Profit -621 -8,008 -5,775 -13,350 -11,590 -12,867 -18,367 -13,657 -9,877 -7,745 -7,162 -2,031
Financing Margin % -1% -18% -14% -32% -24% -26% -26% -19% -12% -7% -6% -2%
4,733 5,266 7,852 7,398 9,907 11,799 23,086 23,643 25,325 28,646 31,057 24,879
Depreciation 429 172 331 456 429 446 838 841 1,021 902 870 -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 22,848
Tax % 22% -13% 29% -36% -126% 34% 30% 37% 25% 26% 25% 25%
2,931 -2,535 1,411 -3,873 696 -1,921 2,957 6,158 11,345 15,401 17,692 17,879
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
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: 25%
5 Years: 47%
3 Years: 22%
TTM: 12%
Stock Price CAGR
10 Years: 13%
5 Years: 32%
3 Years: 29%
1 Year: 18%
Return on Equity
10 Years: 11%
5 Years: 16%
3 Years: 18%
Last Year: 18%

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
Equity Capital 475 543 597 733 753 1,030 1,647 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
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
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
26,578 24,603 26,615 30,781 33,928 32,064 56,132 56,202 65,816 73,104 79,114 45,999
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 1,730,691 1,887,325
6,969 7,206 7,185 8,335 8,433 8,323 11,269 11,447 10,334 12,184 10,149 10,595
CWIP 1 0 -0 -0 -0 -0 2 2 -0 147 152 -0
Investments 152,122 152,470 162,073 157,444 168,678 192,645 286,191 311,347 352,893 399,207 426,188 407,389
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
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 1,730,691 1,887,325

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 -2,812
-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 54,725 335
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
CFO/OP 24% 41% 17% -61% 94% -30% 226% 17% -83% 28% 86% 12%

Ratios

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

Insights

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Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2023 Mar 2024 Mar 2025
Business per Employee
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Global Gross Business
₹ Crore ・Standalone data
Number of ATMs / Recyclers
Number ・Standalone data
Number of Domestic Branches
Number ・Standalone data
Profit per Employee
₹ Crore ・Standalone data
Retail Advances
₹ Crore ・Standalone data
Provision Coverage Ratio
Percentage ・Standalone data

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Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 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%
8.91% 10.19% 11.21% 10.57% 11.91% 11.26% 11.10% 10.54% 11.38% 11.89% 14.61% 14.24%
15.93% 14.91% 14.29% 14.39% 11.19% 11.65% 11.71% 11.85% 11.41% 12.23% 10.47% 10.91%
12.21% 11.96% 11.55% 12.10% 13.94% 14.17% 14.24% 14.67% 14.27% 12.92% 11.98% 11.93%
No. of Shareholders 6,35,5566,38,4016,44,7707,59,08311,93,26716,39,36317,48,70817,99,43216,99,71516,14,08115,30,69815,02,130

* 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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