Karur Vysya Bank Ltd. (KARURVYSYA) AI Stock Analysis

• Market Cap: ₹254.69B
• Dividend Yield: 0.86%
• Average Volume (3M): 92.12K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 1.21
• Revenue Growth: 13.61%
• EPS Growth: 16.82%
• Country: IN
• Employees: 8,889
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 5.94
• Shares Outstanding: 966,364,870
• 10 Day Avg. Volume: 117,039
• 30 Day Avg. Volume: 92,120
• PEG Ratio: 0.36
• Price to Book (P/B): 1.20
• Price to Sales (P/S): 1.31
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: ₹277.00 ▲(5.10% Upside)

Karur Vysya Bank Ltd. scores well due to strong financial performance and bullish technical indicators. The stock is reasonably valued, though cash flow challenges need attention. The absence of earnings call data and corporate events does not impact the score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates robust business expansion, enhancing the bank's market position and supporting long-term profitability.

Balance Sheet Health

A low debt-to-equity ratio reflects a strong equity base, providing financial stability and flexibility for future growth and investment.

Profitability

A strong net profit margin demonstrates effective cost control and operational efficiency, contributing to sustainable profitability.

Negative Factors

Cash Flow Challenges

Negative cash flows highlight liquidity challenges, which could impact the bank's ability to invest in growth and meet financial obligations.

Operational Challenges

Fluctuating EBIT margins indicate operational inefficiencies, which may affect profitability and require strategic adjustments to improve performance.

Cash Management

Volatile cash flow growth suggests inconsistent cash management, potentially affecting the bank's financial stability and growth prospects.

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	112.95B	109.52B	93.66B	73.64B	63.57B	63.70B
Gross Profit	56.48B	55.34B	49.71B	41.96B	34.84B	32.59B
EBITDA	26.65B	27.04B	22.00B	15.42B	10.50B	6.59B
Net Income	20.04B	19.42B	16.05B	11.06B	6.73B	3.59B
Balance Sheet
Total Assets	0.00	1.19T	1.05T	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	14.32B	13.39B	25.28B
Total Liabilities	-119.30B	1.07T	954.13B	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: 263.55
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 above the 20-day moving average (MA) of 259.09, above the 50-day MA of 252.52, and above the 200-day MA of 216.49, indicating a bullish trend. The MACD of 6.53 indicates Negative momentum. The RSI at 54.15 is Neutral, neither overbought nor oversold. The STOCH value of 60.54 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KARURVYSYA	76 Outperform	₹254.69B	12.10	―	0.86%	13.61%	16.82%
J&KBANK	75 Outperform	₹110.89B	5.31	―	1.03%	9.52%	1.91%
KTKBANK	70 Outperform	₹71.03B	6.19	―	2.42%	―	―
CUB	69 Neutral	₹208.64B	17.24	―	0.69%	14.95%	14.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PSB	65 Neutral	₹192.43B	16.24	―	0.26%	18.54%	67.80%
BANDHANBNK	52 Neutral	₹231.98B	18.89	―	1.00%	6.70%	-55.95%

Karur Vysya Bank Ltd. Corporate Events

Karur Vysya Bank Shareholders Approve Postal Ballot Resolutions via Remote E-Voting

Karur Vysya Bank Ltd. has announced that the business items outlined in its 17 November 2025 postal ballot notice were approved by shareholders through a remote e-voting process, with the resolutions passed by the requisite majority as of 20 December 2025. The bank has released the detailed voting results and the scrutiniser’s report, and has made these results available on its website and the e-voting platform of NSDL, underscoring its compliance with SEBI’s disclosure norms and reinforcing governance transparency for its nearly 270,000 shareholders on the cut-off date.

Karur Vysya Bank’s Credit Ratings Reaffirmed by CARE Ratings

Karur Vysya Bank Ltd. has announced that CARE Ratings Limited has reaffirmed its credit ratings for the bank’s Short Term Fixed Deposit Programme and Fixed Deposit Programme. The ratings, CARE A1+ for short-term deposits and CARE AA; Stable for fixed deposits, indicate a strong financial position and stability, which could positively impact the bank’s market perception and stakeholder confidence.

Karur Vysya Bank Allots Equity Shares to Employees and CEO

Karur Vysya Bank Ltd. announced the allotment of equity shares during its board meeting on December 12, 2025. The bank allotted 63,420 equity shares to employees under the KVB ESOS 2011 Scheme and 16,658 equity shares to its MD & CEO, Shri B Ramesh Babu, as part of his compensation package under the KVB ESOS 2018 Scheme. This move reflects the bank’s commitment to rewarding its employees and leadership, potentially enhancing employee motivation and aligning management interests with shareholder value.

Karur Vysya Bank Revises External Benchmark Rate

Karur Vysya Bank Ltd. announced a revision in its External Benchmark Rate – Repo linked (EBR-R), reducing it from 8.80% to 8.55% effective December 6, 2025. This adjustment reflects the bank’s response to regulatory requirements and market conditions, potentially impacting loan interest rates for customers and influencing the bank’s competitive positioning in the financial sector.

Karur Vysya Bank Announces Retirement of Senior Management Personnel

Karur Vysya Bank Ltd. announced the retirement of Shri Mahendran K, General Manager and Country Head-PMD, following the completion of his term. This change in senior management is part of the bank’s compliance with SEBI regulations and may impact the bank’s operational dynamics as it adjusts to this leadership transition.

Karur Vysya Bank Expands Branch Network in Tamil Nadu and Andhra Pradesh

Karur Vysya Bank has expanded its branch network by opening new branches in Tirunelveli, Tamil Nadu, and Kakinada, Andhra Pradesh, bringing its total branch count to 898. This expansion aligns with the bank’s strategic commitment to enhance its presence in potential markets and promote financial inclusion. The new branches will offer comprehensive banking services, supporting the bank’s mission to foster sustainable growth and empower local businesses and communities. Additionally, KVB continues to enhance its digital banking solutions, ensuring customers have access to modern and secure banking services.

Karur Vysya Bank Engages with Investors at Avendus Spark Conference

Karur Vysya Bank Ltd. announced the participation of its top management team in the Avendus Spark Annual Investor Conference, emphasizing transparency by sharing only publicly available information. This engagement reflects the bank’s commitment to maintaining open communication with institutional investors and analysts, potentially enhancing its industry positioning and stakeholder trust.

Karur Vysya Bank Promotes Financial Literacy in Schools

Karur Vysya Bank has partnered with the National Finance Olympiad to launch a Financial Literacy Awareness Program targeting school students, particularly from government and underprivileged backgrounds. This initiative, part of the bank’s CSR efforts, aims to equip students with essential financial knowledge and skills, impacting over 3,150 students across 210 schools. The program includes a structured curriculum, study materials, and examinations to assess learning outcomes. The collaboration is seen as a step towards strengthening financial inclusion and nurturing financially responsible young citizens, with plans to expand these efforts further.

Karur Vysya Bank to Participate in Asia Non-Deal Roadshow

Karur Vysya Bank Ltd. has announced its participation in the Asia Non-Deal Roadshow organized by Spark Institutional Equities Private Limited. The event, scheduled to take place from October 27 to October 29, 2025, in Hong Kong and Taiwan, will involve one-to-one meetings with institutional investors and analysts. The bank has clarified that only publicly available documents will be used during these interactions, and no unpublished price-sensitive information or material information will be disclosed.

Karur Vysya Bank Releases Q3 2025 Unaudited Financial Results

Karur Vysya Bank Limited announced the publication of its unaudited financial results for the quarter ending September 30, 2025, complying with SEBI regulations. The results were published in several major newspapers, indicating transparency and adherence to regulatory requirements, which may impact investor confidence and market perception.

Karur Vysya Bank Reaches Rs 2 Lakh Crore Milestone in Q2 2025

Karur Vysya Bank Ltd. announced its financial results for the quarter and half-year ending September 30, 2025, highlighting a significant milestone of reaching Rs 2 lakh crore in total business. The bank reported a year-on-year growth of 15% in both advances and deposits, with a net profit of Rs 1,095 crore for the half-year. The bank’s performance reflects effective management initiatives, with key metrics such as CASA ratio, ROA, and ROE showing positive trends. Despite a slight decrease in NIM, the bank maintains a strong capital adequacy ratio, indicating a stable financial position.

Karur Vysya Bank Releases Conference Call Recording for Q2 2025 Financial Results

Karur Vysya Bank Ltd. announced that the audio recording of their recent conference call discussing the unaudited financial results for the quarter and half-year ending September 30, 2025, is now available on their website. This move aligns with regulatory requirements and enhances transparency for stakeholders by providing access to detailed financial discussions.

Karur Vysya Bank Schedules Investor Conference Call for Financial Results

Karur Vysya Bank Ltd. has announced a scheduled conference call with investors and analysts on October 17, 2025, to discuss its unaudited financial results for the quarter and half-year ending September 30, 2025. This meeting is part of the bank’s ongoing efforts to maintain transparency with stakeholders and provide insights into its financial performance, which could impact its market positioning and investor relations.

Karur Vysya Bank Announces Director Cessation

Karur Vysya Bank Ltd. announced the cessation of Mr. K G Mohan as a Non-Executive Independent Director effective October 12, 2025, following the completion of his tenure. The board expressed its gratitude for Mr. Mohan’s contributions during his tenure, highlighting his excellent service and significant impact on the bank.

Karur Vysya Bank Announces Trading Window Closure Ahead of Financial Results

Karur Vysya Bank Limited has announced the closure of its trading window in compliance with the SEBI (Prohibition of Insider Trading) Regulations, 2015. This closure is in place from October 1 to October 19, 2025, to prevent insider trading ahead of the board meeting scheduled for October 17, 2025, where the bank will consider and approve its unaudited financial results for the quarter and half-year ending September 30, 2025. The trading window will reopen on October 20, 2025, ensuring compliance with regulatory standards and maintaining transparency for stakeholders.