Dashboard/KARURVYSYA

KARURVYSYA

OVERVALUED

Karur Vysya Bank

Banking · NSE

↓ 56.6% vs fair value

52W Low

₹165

+63.5% from low

52W High

₹343

-21.3% from high

News sentiment (6 articles)

5 bull0 neutral1 bear

Valuation Gauge

OVERVALUED-56.6% Margin of Safety

OVERVALUEDFAIRLY VALUEDUNDERVALUED

Current Price

₹270

Fair Value

₹173

Fair Value Analysis

₹173

Based on balance sheet strength analysis and book value multiple and dividend growth model for Banking sector companies

High confidence

Balance Sheet Value

25% weight

₹266

P/B Multiple

35% weight

₹158

Dividend Growth Model

40% weight

₹126

Price vs Market

KARURVYSYA

Nifty 50

Shareholding Pattern

Stock Health Score

B+

Financially Healthy

7.4 / 10

Profitability

8/10

ROE of 14.4% is acceptable for Banking sector (benchmark: 15%)

Debt & Leverage

5/10

Debt data unavailable — scored neutral

Valuation vs Peers

8/10

P/E of 11.5x is slightly below the Banking sector median of 15x — reasonably valued

Cash Flow

7/10

Positive operating cash flow of ₹4,315 Cr — healthy for Banking sector

Earnings Growth

10/10

5yr EPS CAGR of 42.3% is well above the Banking sector average of 23.2% — strong growth

Dividend

4/10

Dividend yield of 0.8% is symbolic — low but positive

Sentiment Trend — Last 30 Days

Historical Returns

Key Ratios & Growth

FCF Yield

8.8%

Free cash flow / market cap

Revenue Growth (YoY)

-4.4%

Year-on-year revenue change

Profit Growth (YoY)

-0.6%

Year-on-year PAT change

Operating Cash Flow

₹4.5K Cr

TTM cash from operations

Key Financials

EPS (TTM)

₹23.8

P/E Ratio

11.5x

P/B Ratio

2.1x

ROE

14.4%

ROCE

—

Debt / Equity

—

Beta

-0.03

Div Yield

0.8%

FCF (Cr)

₹4,315 Cr

Revenue (Cr)

₹5,534 Cr

EPS Growth 5Y

42.3%

Mkt Cap (Cr)

₹26,355 Cr

52W High

₹343.5

52W Low

₹165.3

Book Value/Share

₹132.4

Financial History

Period	Revenue	Op Profit	OPM%	PAT	EPS
TTM	—	—	—	₹2.3K Cr	₹23.79
2025-03-31	—	—	—	₹1.9K Cr	₹20.10
2024-03-31	—	—	—	₹1.6K Cr	₹16.63
2023-03-31	—	—	—	₹1.1K Cr	₹11.49
2022-03-31	—	—	—	₹673 Cr	₹7.01
2021-03-31	—	—	—	₹359 Cr	₹3.75
2020-03-31	—	—	—	₹235 Cr	₹2.45
2019-03-31	—	—	—	₹211 Cr	₹2.20
2018-03-31	—	—	—	₹346 Cr	₹3.60
2017-03-31	—	—	—	₹606 Cr	₹6.46
2016-03-31	—	—	—	₹568 Cr	₹6.05
2015-03-31	—	—	—	₹464 Cr	₹4.95
2014-03-31	—	—	—	₹430 Cr	₹5.20

Compounded Growth Rates

Sales Growth

3Y—

5Y—

10Y—

Profit Growth

3Y+27.6%

5Y+45.0%

10Y+15.0%

EPS Growth

3Y+27.5%

5Y+44.7%

10Y+14.7%

Peer Comparison

Banking

Stock	Price	Fair Value	MoS%	P/E	ROE	Signal
DHANBANK Dhanlaxmi Bank Limited	₹23.5	₹38.8	+39.4%	9.3	7.0%	UNDERVALUED
CANBK Canara Bank	₹131	₹204.4	+35.9%	5.7	18.2%	UNDERVALUED
CENTRALBK Central Bank of India	₹34	₹51.3	+33.9%	6.1	13.2%	UNDERVALUED
MAHABANK Bank of Maharashtra	₹66.5	₹99.1	+32.9%	7.6	21.2%	UNDERVALUED
IDBI IDBI Bank Limited	₹70.1	₹98.8	+29.0%	8	14.7%	UNDERVALUED
SURYODAY Suryoday Small Finance Bank Limited	₹132.7	₹176.2	+24.7%	19.5	3.4%	UNDERVALUED
BANKBARODA Bank of Baroda	₹260.5	₹344.4	+24.4%	6.6	12.8%	UNDERVALUED
BANKINDIA Bank of India	₹143.2	₹186.5	+23.2%	6.5	12.1%	UNDERVALUED