Karur Vysya Bank Ltd. (IN:KARURVYSYA)
:KARURVYSYA
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Karur Vysya Bank Ltd.
(KARURVYSYA)
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Rating:76Outperform
Price Target:
₹295.00
▲(11.93% Upside)
Action:DowngradedDate:01/28/26
The score is driven primarily by strong profitability and a low-leverage balance sheet, partially offset by weak latest-year cash flow. Technicals are positive but stretched (overbought RSI), and valuation is supportive due to the low P/E with a modest dividend yield.
Positive Factors
Revenue Growth
Sustained top-line growth (10.75% year) indicates expanding lending and fee businesses and supports durable net interest income expansion. Over 2–6 months this trend underpins scalable revenue base, better reserve coverage, and room to invest in digital channels and distribution.
Negative Factors
Negative Operating & Free Cash Flow
Reported negative operating and free cash flow signal that accounting profits are not fully converting to cash. This can constrain liquidity for loan origination, deposit pricing flexibility and capital deployment, increasing reliance on funding markets or balance-sheet adjustments over months.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained top-line growth (10.75% year) indicates expanding lending and fee businesses and supports durable net interest income expansion. Over 2–6 months this trend underpins scalable revenue base, better reserve coverage, and room to invest in digital channels and distribution.
Read all positive factors
Karur Vysya Bank Ltd. (KARURVYSYA) vs. iShares MSCI India ETF (INDA)
Market Cap
₹272.37B
Dividend Yield0.86%
Average Volume (3M)92.12K
Price to Earnings (P/E)9.2
Beta (1Y)1.22
Revenue Growth13.61%
EPS Growth16.82%
CountryIN
Employees8,889
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)7.10
Shares Outstanding966,364,870
10 Day Avg. Volume117,039
30 Day Avg. Volume92,120
Financial Highlights & Ratios
PEG Ratio0.36
Price to Book (P/B)1.20
Price to Sales (P/S)1.31
P/FCF Ratio-1.66
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)27.27
Revenue Forecast (FY)₹77.69B
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
The bank primarily makes money through interest-based income and fee-based income. Its largest revenue stream is typically net interest income (NII): it pays interest on customer deposits and other borrowings, and earns interest from lending (e.g....
Karur Vysya Bank Ltd. Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 117.59B | 109.52B | 93.66B | 73.64B | 63.57B | 63.70B |
| Gross Profit | 41.16B | 55.34B | 49.71B | 41.96B | 34.84B | 32.59B |
| EBITDA | 27.72B | 27.04B | 22.00B | 15.42B | 10.50B | 6.59B |
| Net Income | 21.05B | 19.42B | 16.05B | 11.06B | 6.73B | 3.59B |
Balance Sheet | ||||||
| Total Assets | 1.30T | 1.19T | 1.05T | 901.79B | 800.44B | 746.23B |
| Cash, Cash Equivalents and Short-Term Investments | 62.06B | 78.07B | 56.59B | 46.95B | 49.26B | 63.20B |
| Total Debt | 25.17B | 12.17B | 24.78B | 14.32B | 13.39B | 25.28B |
| Total Liabilities | 1.17T | 1.07T | 954.13B | 815.95B | 724.48B | 676.63B |
| Stockholders Equity | 127.96B | 119.30B | 100.40B | 85.84B | 75.96B | 69.60B |
Cash Flow | ||||||
| Free Cash Flow | -83.23B | -86.50B | 15.91B | 11.55B | 2.37B | 32.89B |
| Operating Cash Flow | -82.38B | -84.78B | 16.89B | 12.17B | 2.95B | 33.66B |
| Investing Cash Flow | -15.69B | -21.51B | -12.96B | -12.70B | -15.94B | -13.79B |
| Financing Cash Flow | 82.07B | 127.77B | 117.81B | -1.78B | -958.98M | -588.91M |
Karur Vysya Bank Ltd. Technical Analysis
Positive
263.55
Price Trends
301.52
Negative
278.43
Positive
249.68
Positive
Market Momentum
-6.42
Negative
47.79
Neutral
47.68
Neutral
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 263.55 is below the 20-day moving average (MA) of 280.63, below the 50-day MA of 301.52, and above the 200-day MA of 249.68, indicating a neutral trend. The MACD of -6.42 indicates Negative momentum. The RSI at 47.79 is Neutral, neither overbought nor oversold. The STOCH value of 47.68 is Neutral, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ₹272.37B | 9.24 | ― | 0.86% | 13.61% | 16.82% | |
74 Outperform | ₹92.09B | 6.68 | ― | 2.42% | ― | ― | |
71 Outperform | ₹135.61B | 30.11 | ― | 1.03% | 9.52% | 1.91% | |
69 Neutral | ₹191.15B | 16.23 | ― | 0.69% | 14.95% | 14.22% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | ₹174.76B | 14.60 | ― | 0.26% | 18.54% | 67.80% | |
52 Neutral | ₹267.34B | 28.48 | ― | 1.00% | 6.70% | -55.95% |
* Financial Sector Average
IN:KARURVYSYA
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281.85
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-10.76%
Karur Vysya Bank Ltd. Corporate Events
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...
Karur Vysya Bank Closes Insider Trading Window Ahead of Q3 Results
Jan 9, 2026
Karur Vysya Bank has notified the stock exchanges that its board will meet on January 23, 2026 to consider and approve the unaudited financial results for the quarter ended December 31, 2025. In line with its internal code of conduct and SEBI̵...
Karur Vysya Bank Cuts Base Rate and BPLR Effective January 7, 2026
Jan 5, 2026
Karur Vysya Bank has announced a downward revision of its key lending benchmarks, reducing its Base Rate from 11.15% to 10.70% and its Benchmark Prime Lending Rate (BPLR) from 16.15% to 15.70%, effective January 7, 2026. The rate cuts are expected...
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.