Karur Vysya Bank Ltd. (KARURVYSYA) AI Stock Analysis

• Market Cap: ₹217.38B
• Dividend Yield: 0.97%
• Average Volume (3M): 90.82K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 1.11
• Revenue Growth: 14.84%
• EPS Growth: 17.40%
• Country: IN
• Employees: 8,889
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 5.42
• Shares Outstanding: 966,364,870
• 10 Day Avg. Volume: 96,074
• 30 Day Avg. Volume: 90,819
• PEG Ratio: 0.36
• Price to Book (P/B): 1.20
• Price to Sales (P/S): 2.63
• P/FCF Ratio: -1.66
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹302.33
• Price Target Upside: 34.40% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 74 Outperform
• Price Target: ₹242.00 ▲(7.58% Upside)

Karur Vysya Bank Ltd. exhibits strong financial performance with robust revenue growth and profitability, supported by a solid balance sheet. However, cash flow challenges need attention. The stock's technical indicators suggest a balanced market sentiment, and its valuation is attractive with a reasonable P/E ratio and modest dividend yield.

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 company offers savings and current accounts; recurring, tax saving, and fixed deposits; personal, home, vehicle, and educational loans, as well as business loans, including working capital finance, term loans, and trade finance; foreign exchange services; debit and credit cards; prepaid instruments, including gift, forex travel, and re-loadable cards, as well as cards for senior citizens; life, non-life, and health insurance products; demat, trading, and mutual fund services; digital products; locker facilities; social security schemes; and government sponsored schemes. It also provides loans for micro, small, and medium enterprises, as well as commercial loans; mortgages; payment collection and transaction banking services; FCNR, NRE, and NRO deposits; jewel loans and loans against deposits; remittance services; and Internet and mobile banking services, as well as a range of products for the agricultural sector. As of March 31, 2022, the company operated 822 branches; 1,639 automated teller machines; 584 bunch note recycler machines; and 178 self-service passbook kiosks. The Karur Vysya Bank Limited was founded in 1916 and is based in Karur, India.

How the Company Makes Money

Karur Vysya Bank primarily generates revenue through interest income from loans and advances provided to customers. The bank earns interest on various types of loans, including personal loans, home loans, and business loans. Additionally, it generates fee-based income from services such as account maintenance, transaction fees, and commissions on financial products like insurance and mutual funds. The bank also benefits from income earned through its treasury operations, which include investments in government securities and other financial instruments. Furthermore, strategic partnerships with various financial institutions and fintech companies enhance its product offerings and customer reach, contributing to its overall earnings.

Karur Vysya Bank Ltd. Financial Statement Overview

Summary

Karur Vysya Bank Ltd. demonstrates strong revenue growth and profitability, supported by a solid balance sheet with low leverage. However, cash flow challenges need to be addressed to ensure long-term financial stability.

Income Statement

Karur Vysya Bank Ltd. shows strong revenue growth with a 10.75% increase in the latest year, indicating robust business expansion. The net profit margin is healthy at 35.51%, reflecting efficient cost management and profitability. However, the EBIT margin has fluctuated, suggesting some operational challenges. Overall, the income statement reflects a solid financial performance with room for operational improvements.

Balance Sheet

The bank maintains a low debt-to-equity ratio of 0.10, indicating prudent financial leverage and a strong equity base. Return on equity is impressive at 16.28%, showcasing effective use of shareholders' funds. The equity ratio is stable, reflecting a solid financial position. However, the slight increase in total debt over the years suggests a need for careful monitoring of leverage.

Cash Flow

The cash flow statement reveals challenges with negative operating and free cash flows in the latest year, indicating potential liquidity issues. Despite this, the free cash flow to net income ratio is over 1, suggesting that the bank is generating sufficient cash relative to its net income. Historical cash flow growth rates have been volatile, highlighting the need for improved cash management strategies.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	102.62B	109.52B	47.39B	73.64B	63.57B	25.21B
Gross Profit	56.48B	55.34B	47.39B	34.69B	34.89B	25.21B
EBITDA	26.65B	27.04B	22.00B	15.43B	10.50B	6.72B
Net Income	20.04B	19.42B	16.05B	11.06B	6.73B	3.59B
Balance Sheet
Total Assets	0.00	1.19T	1.06T	901.79B	800.44B	746.23B
Cash, Cash Equivalents and Short-Term Investments	0.00	78.07B	56.59B	46.95B	49.26B	63.20B
Total Debt	0.00	12.17B	24.78B	16.35B	15.92B	25.38B
Total Liabilities	-119.30B	1.07T	955.45B	815.95B	724.48B	676.63B
Stockholders Equity	119.30B	119.30B	100.40B	85.84B	75.96B	69.60B
Cash Flow
Free Cash Flow	0.00	-86.50B	15.91B	11.55B	2.37B	32.89B
Operating Cash Flow	0.00	-84.78B	16.89B	12.17B	2.95B	33.66B
Investing Cash Flow	0.00	-21.51B	-12.96B	-12.70B	-15.94B	-13.79B
Financing Cash Flow	0.00	127.77B	117.81B	-1.78B	-958.98M	-588.91M

Karur Vysya Bank Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 224.95
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:KARURVYSYA, the sentiment is Positive. The current price of 224.95 is above the 20-day moving average (MA) of 212.99, above the 50-day MA of 213.48, and above the 200-day MA of 194.15, indicating a bullish trend. The MACD of 1.34 indicates Negative momentum. The RSI at 64.76 is Neutral, neither overbought nor oversold. The STOCH value of 84.08 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:KARURVYSYA.

Karur Vysya Bank Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
J&KBANK	75 Outperform	₹112.43B	5.23	―	0.83%	13.45%	12.59%
KARURVYSYA	74 Outperform	₹217.38B	10.84	―	0.97%	14.84%	17.40%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CUB	62 Neutral	₹162.77B	13.97	―	0.93%	14.10%	10.60%
PSB	60 Neutral	₹211.87B	18.56	―	0.24%	20.55%	74.68%
BANDHANBNK	55 Neutral	₹265.00B	12.90	―	0.92%	12.68%	-20.15%