Karur Vysya Bank Ltd. (IN:KARURVYSYA)
:KARURVYSYA
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Karur Vysya Bank Ltd.
(KARURVYSYA)
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Rating:73Outperform
Price Target:
₹340.00
▲(29.01% Upside)
Action:Reiterated
Date:05/09/26
The score is driven primarily by strong multi-year earnings and profitability improvements plus a generally solid, improving balance sheet, partially offset by highly volatile cash-flow history. Technicals are supportive with price above major moving averages and positive MACD, and valuation is helped by a low P/E, though the dividend yield is modest.
Positive Factors
Strong multi‑year earnings growth
The bank shows durable top‑line and bottom‑line expansion over multiple years, with revenue roughly doubling and net income increasing materially. That sustained earnings momentum reflects scalable loan and fee businesses and supports continued reinvestment and capital accumulation.
Negative Factors
High cash‑flow volatility
Cash conversion has swung dramatically year to year, with a prior period showing very large negative operating and free cash flows. Such volatility undermines predictability of internal funding, making capital planning and dividend or buyback policies less reliable over time.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong multi‑year earnings growth
The bank shows durable top‑line and bottom‑line expansion over multiple years, with revenue roughly doubling and net income increasing materially. That sustained earnings momentum reflects scalable loan and fee businesses and supports continued reinvestment and capital accumulation.
Read all positive factors
Karur Vysya Bank Ltd. (KARURVYSYA) vs. iShares MSCI India ETF (INDA)
Market Cap
₹278.41B
Dividend Yield0.86%
Average Volume (3M)92.12K
Price to Earnings (P/E)11.1
Beta (1Y)1.11
Revenue Growth14.35%
EPS Growth29.25%
CountryIN
Employees8,889
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)21.79
Shares Outstanding966,364,870
10 Day Avg. Volume117,039
30 Day Avg. Volume92,120
Financial Highlights & Ratios
PEG Ratio0.38
Price to Book (P/B)1.98
Price to Sales (P/S)2.13
P/FCF Ratio9.84
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)27.37
Revenue Forecast (FY)₹76.92B
Karur Vysya Bank Ltd. Business Overview & Revenue Model
Company Description
The Karur Vysya Bank Limited provides various banking and financial services for personal and corporate customers in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The compa...
How the Company Makes Money
Karur Vysya Bank primarily earns money through (1) net interest income and (2) non-interest (fee and other) income.
1) Net interest income (core banking spread): The bank collects funds mainly via customer deposits (savings accounts, current acco...
Karur Vysya Bank Ltd. Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
78
Positive
Cash Flow
49
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 117.59B | 131.59B | 109.52B | 93.66B | 73.64B | 63.57B |
| Gross Profit | 41.16B | 62.68B | 55.34B | 49.71B | 41.96B | 34.84B |
| EBITDA | 27.72B | 34.47B | 27.04B | 22.00B | 15.42B | 10.50B |
| Net Income | 21.05B | 25.10B | 19.42B | 16.05B | 11.06B | 6.73B |
Balance Sheet | ||||||
| Total Assets | 1.30T | 1.37T | 1.19T | 1.05T | 901.79B | 800.44B |
| Cash, Cash Equivalents and Short-Term Investments | 62.06B | 53.03B | 78.07B | 56.59B | 46.95B | 49.26B |
| Total Debt | 25.17B | 26.23B | 12.17B | 24.78B | 14.32B | 13.39B |
| Total Liabilities | 1.17T | 1.22T | 1.07T | 954.13B | 815.95B | 724.48B |
| Stockholders Equity | 127.96B | 141.08B | 119.30B | 100.40B | 85.84B | 75.96B |
Cash Flow | ||||||
| Free Cash Flow | -83.23B | 28.43B | -86.50B | 15.91B | 11.55B | 2.37B |
| Operating Cash Flow | -82.38B | 29.95B | -84.78B | 16.89B | 12.17B | 2.95B |
| Investing Cash Flow | -15.69B | -202.87B | -21.51B | -12.96B | -12.70B | -15.94B |
| Financing Cash Flow | 82.07B | 147.88B | 127.77B | 117.81B | -1.78B | -958.98M |
Karur Vysya Bank Ltd. Technical Analysis
Negative
263.55
Price Trends
287.66
Positive
290.68
Negative
260.02
Positive
Market Momentum
-0.33
Positive
47.48
Neutral
37.07
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:KARURVYSYA, the sentiment is Negative. The current price of 263.55 is below the 20-day moving average (MA) of 294.80, below the 50-day MA of 287.66, and above the 200-day MA of 260.02, indicating a neutral trend. The MACD of -0.33 indicates Positive momentum. The RSI at 47.48 is Neutral, neither overbought nor oversold. The STOCH value of 37.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:KARURVYSYA.
Karur Vysya Bank Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ₹106.54B | 5.48 | ― | 1.05% | 4.88% | 11.75% | |
73 Outperform | ₹278.41B | 11.14 | ― | 0.86% | 14.35% | 29.25% | |
68 Neutral | ₹184.73B | 12.39 | ― | 0.69% | 17.48% | 17.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹58.32B | 6.53 | ― | 0.76% | 14.38% | 17.18% | |
61 Neutral | ₹62.72B | 9.33 | ― | ― | 24.35% | 6.65% | |
61 Neutral | ₹206.71B | 18.29 | ― | 0.33% | 3.62% | 21.30% |
* Financial Sector Average
IN:KARURVYSYA
Karur Vysya Bank Ltd.
288.10
98.92
52.29%
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248.60
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IN:RBLBANK
RBL Bank Ltd.
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IN:SOUTHBANK
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42.46%
Karur Vysya Bank Ltd. Corporate Events
Karur Vysya Bank Confirms SEBI-Compliant Dematerialisation of Shares for Q4 FY26
Apr 4, 2026
Karur Vysya Bank has certified to the National Stock Exchange that all physical share certificates received for dematerialisation between January 1 and March 31, 2026, were duly verified, mutilated, cancelled, and replaced in its records with the ...
Karur Vysya Bank Reappoints Dr. Chinnasamy Ganesan as Independent Director for Second Term
Mar 4, 2026
Karur Vysya Bank has approved the re-appointment of CA Dr. Chinnasamy Ganesan as a non-executive independent director for a second five-year term, effective from April 25, 2026 to April 24, 2031, subject to shareholder approval. The bank confirmed...
Karur Vysya Bank Details Participation in Global Investor Meet
Feb 25, 2026
Karur Vysya Bank informed the exchanges that its top management, including the managing director and chief executive officer, participated in the 17th Enterprising India Global Investors event organized by IIFL in Mumbai. The bank emphasized that ...
Karur Vysya Bank Cuts MCLR Across Key Tenors Effective February 22
Feb 19, 2026
Karur Vysya Bank has announced a revision of its Marginal Cost of Funds Based Lending Rates, effective February 22, 2026, across key tenors from overnight to one year. The bank is reducing its MCLR by 10 basis points for overnight, one-month and t...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.