Karur Vysya Bank Ltd
₹ 237
0.07%
10 Jun
- close price
About
Karur Vysya Bank is engaged in providing a wide range of banking and financial services including commercial banking and treasury operations.[1]
Key Points
- Market Cap ₹ 19,114 Cr.
- Current Price ₹ 237
- High / Low ₹ 246 / 184
- Stock P/E 9.84
- Book Value ₹ 148
- Dividend Yield 1.01 %
- ROCE 7.39 %
- ROE 17.7 %
- Face Value ₹ 2.00
Pros
- Company has delivered good profit growth of 51.5% CAGR over last 5 years
Cons
- Company has low interest coverage ratio.
- Promoter holding is low: 2.11%
- Contingent liabilities of Rs.16,466 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.
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
5,116 | 5,396 | 5,443 | 5,622 | 5,700 | 5,816 | 5,990 | 5,470 | 5,588 | 6,517 | 8,204 | 9,678 | |
Interest | 3,832 | 3,930 | 3,662 | 3,549 | 3,402 | 3,453 | 3,642 | 3,111 | 2,872 | 3,168 | 4,395 | 5,418 |
1,378 | 1,503 | 1,494 | 1,887 | 2,609 | 2,902 | 3,112 | 2,620 | 2,434 | 2,965 | 3,267 | 3,499 | |
Financing Profit | -94 | -37 | 288 | 187 | -311 | -539 | -764 | -260 | 281 | 384 | 542 | 761 |
Financing Margin % | -2% | -1% | 5% | 3% | -5% | -9% | -13% | -5% | 5% | 6% | 7% | 8% |
564 | 590 | 707 | 782 | 900 | 963 | 1,155 | 919 | 769 | 1,159 | 1,659 | 1,830 | |
Depreciation | 75 | 81 | 83 | 86 | 85 | 101 | 119 | 124 | 119 | 106 | 100 | 0 |
Profit before tax | 395 | 471 | 912 | 883 | 504 | 322 | 272 | 534 | 931 | 1,437 | 2,100 | 2,591 |
Tax % | -9% | 2% | 38% | 31% | 31% | 35% | 14% | 33% | 28% | 23% | 24% | 25% |
430 | 464 | 568 | 606 | 346 | 211 | 235 | 359 | 673 | 1,106 | 1,605 | 1,942 | |
EPS in Rs | 6.24 | 5.95 | 7.25 | 7.75 | 4.32 | 2.64 | 2.94 | 4.50 | 8.42 | 13.79 | 19.95 | 24.12 |
Dividend Payout % | 32% | 34% | 30% | 26% | 13% | 23% | 0% | 11% | 19% | 14% | 12% | 11% |
Compounded Sales Growth | |
---|---|
10 Years: | 6% |
5 Years: | 10% |
3 Years: | 20% |
TTM: | 18% |
Compounded Profit Growth | |
---|---|
10 Years: | 16% |
5 Years: | 52% |
3 Years: | 42% |
TTM: | 21% |
Stock Price CAGR | |
---|---|
10 Years: | 12% |
5 Years: | 55% |
3 Years: | 72% |
1 Year: | 10% |
Return on Equity | |
---|---|
10 Years: | 11% |
5 Years: | 13% |
3 Years: | 16% |
Last Year: | 18% |
Balance Sheet
Figures in Rs. Crores
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 | 107 | 122 | 122 | 122 | 145 | 160 | 160 | 160 | 160 | 160 | 161 | 161 |
Reserves | 3,219 | 4,124 | 4,451 | 4,914 | 6,119 | 6,263 | 6,440 | 6,800 | 7,436 | 8,424 | 9,879 | 11,769 |
Deposits | 43,908 | 44,840 | 50,079 | 53,700 | 56,890 | 59,868 | 59,075 | 63,278 | 68,486 | 76,638 | 89,113 | 102,078 |
Borrowing | 3,143 | 2,751 | 2,894 | 1,696 | 2,394 | 1,565 | 1,184 | 2,528 | 1,339 | 1,432 | 2,478 | 1,217 |
1,166 | 1,315 | 1,439 | 1,376 | 1,393 | 1,484 | 1,419 | 1,857 | 2,650 | 3,526 | 3,954 | 4,143 | |
Total Liabilities | 51,543 | 53,152 | 58,985 | 61,808 | 66,941 | 69,340 | 68,278 | 74,623 | 80,071 | 90,179 | 105,585 | 119,367 |
376 | 395 | 417 | 411 | 475 | 545 | 563 | 518 | 464 | 418 | 412 | 490 | |
CWIP | 9 | 17 | 4 | 8 | 53 | 38 | 23 | 21 | 15 | 17 | 20 | 0 |
Investments | 13,247 | 12,375 | 14,443 | 14,857 | 15,803 | 14,882 | 15,762 | 16,019 | 17,216 | 18,808 | 22,344 | 23,831 |
37,911 | 40,366 | 44,122 | 46,532 | 50,610 | 53,876 | 51,929 | 58,065 | 62,377 | 70,936 | 82,809 | 95,046 | |
Total Assets | 51,543 | 53,152 | 58,985 | 61,808 | 66,941 | 69,340 | 68,278 | 74,623 | 80,071 | 90,179 | 105,585 | 119,367 |
Cash Flows
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
1,184 | -309 | 580 | 1,611 | -550 | -1,576 | 2,504 | 3,366 | 295 | 1,217 | 2,954 | 4,487 | |
-113 | -102 | -92 | -84 | -170 | 549 | -1,535 | -1,379 | -1,594 | -1,270 | -1,296 | -2,151 | |
-189 | 482 | -346 | -74 | 683 | 414 | -274 | -59 | -96 | -178 | -694 | -188 | |
Net Cash Flow | 882 | 71 | 143 | 1,453 | -36 | -612 | 696 | 1,928 | -1,394 | -231 | 963 | 2,148 |
Ratios
Figures in Rs. Crores
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 % | 13% | 12% | 13% | 13% | 6% | 3% | 4% | 5% | 9% | 14% | 17% | 18% |
Documents
Announcements
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Environmental, Social and Governance (ESG) Rating Intimation
11h - Bank assigned ESG score of 64.03 for FY 2023-24 by independent SEBI-registered rating provider.
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Revision in Marginal Cost of Funds Based Lending Rates (MCLR)
6 Jun - Bank revises six month and one year MCLR down to 9.80% effective June 7, 2025.
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Compliances-Reg.24(A)-Annual Secretarial Compliance
30 May - Karur Vysya Bank's Annual Secretarial Compliance Report confirms full regulatory compliance for FY ended March 2025.
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Outcome of the Institutional Investor/Analyst meet
30 May - Bank's top management participated in investor meet sharing only public information on May 29, 2025.
- Transcript of the Conference Call held with respect to the Audited Financial Results of the Bank for the quarter and year ended March 31, 2025 23 May
Annual reports
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Financial Year 2024
from nse
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Financial Year 2023
from web
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2013
from nse
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Financial Year 2012
from bse
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Financial Year 2012
from nse
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Financial Year 2011
from bse
Concalls
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May 2025Transcript PPT
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Jan 2025Transcript PPT
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Oct 2024Transcript PPT
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Jul 2024Transcript PPT
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May 2024Transcript PPT
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Jan 2024TranscriptPPT
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Jan 2024Transcript PPT
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Nov 2023TranscriptPPTREC
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Oct 2023Transcript PPT
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Jul 2023TranscriptNotesPPT
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May 2023Transcript PPT
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Jan 2023Transcript PPT
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Oct 2022Transcript PPT
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Jul 2022TranscriptNotesPPT
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Nov 2021TranscriptPPT
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Aug 2021TranscriptPPT
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May 2021Transcript PPT
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Feb 2021TranscriptPPT
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Oct 2020TranscriptPPT
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Jul 2020TranscriptPPT
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Jun 2020TranscriptPPT
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Jan 2020TranscriptPPT
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Oct 2019TranscriptPPT
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Jul 2019TranscriptPPT
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May 2019TranscriptPPT
Business Segments FY24
1) Retail Banking (64%): [1] Comprises lending of funds and other banking services.
2) Corporate/Wholesale Banking (~18%): Includes all advances to trusts, partnership firms, companies, and statutory bodies not included under Retail Banking.
3) Treasury (17%): Comprises investments in Central and State Government securities, debt instruments of Banks, FIs, equity shares, mutual funds, security receipts, etc., and forward contracts, derivatives, and foreign exchange operations.
4) Other Banking Operations (~1%): Includes para-banking activities like bancassurance, third-party product distribution, demat services, and deposits in RIDF, MSME Funds, etc. [2]