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Karur Vysya Bank Ltd.
(KARURVYSYA)
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Rating:74Outperform
Price Target:
₹381.00
▲(12.41% Upside)
Action:Reiterated
Date:07/22/26
The score is driven primarily by strong multi-year profitability and ROE improvement, supported by an upward technical trend with neutral-to-positive momentum. Offsetting these positives is significant cash-flow volatility, while valuation appears reasonable with only a modest dividend yield.
Positive Factors
Improved profitability and margins
Material multi-year improvement in margins and net income indicates the bank has enhanced pricing, cost control and credit outcomes. Sustained higher margins and a ~17.8% ROE support internal capital generation, resilience to shocks, and the ability to invest in growth initiatives over months.
Negative Factors
Volatile cash generation
Large year-to-year swings in operating and free cash flow undermine predictability of internal funding. This volatility raises the likelihood of intermittent reliance on wholesale funding or balance sheet rebalancing, complicating sustainable dividend, lending and capital plans over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved profitability and margins
Material multi-year improvement in margins and net income indicates the bank has enhanced pricing, cost control and credit outcomes. Sustained higher margins and a ~17.8% ROE support internal capital generation, resilience to shocks, and the ability to invest in growth initiatives over months.
Read all positive factors
Karur Vysya Bank Ltd. (KARURVYSYA) vs. iShares MSCI India ETF (INDA)
Market Cap
₹309.57B
Dividend Yield0.8%
Average Volume (3M)85.27K
Price to Earnings (P/E)11.4
Beta (1Y)1.16
Revenue Growth15.05%
EPS Growth36.88%
CountryIN
Employees9,845
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)28.40
Shares Outstanding966,364,870
10 Day Avg. Volume67,808
30 Day Avg. Volume85,267
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)29.63
Revenue Forecast (FY)₹78.17B
Karur Vysya Bank Ltd. Business Overview & Revenue Model
Company Description
The Karur Vysya Bank Limited (KVB) is an Indian financial institution offering a comprehensive range of banking and financial solutions to both individual and corporate clients across the nation. Its operations are structured into key divisions in...
How the Company Makes Money
Karur Vysya Bank primarily makes money through (1) net interest income and (2) non-interest (fee and other) income. Net interest income is earned from the spread between interest received on interest-earning assets—mainly loans and advances (e.g.,...
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 | 136.34B | 131.59B | 109.52B | 93.66B | 73.64B | 63.57B |
| Gross Profit | 68.29B | 62.68B | 55.34B | 49.71B | 41.96B | 34.84B |
| EBITDA | 37.01B | 34.47B | 27.04B | 22.00B | 15.42B | 10.50B |
| Net Income | 27.45B | 25.10B | 19.42B | 16.05B | 11.06B | 6.73B |
Balance Sheet | ||||||
| Total Assets | 1.44T | 1.37T | 1.19T | 1.05T | 901.79B | 800.44B |
| Cash, Cash Equivalents and Short-Term Investments | 68.72B | 53.03B | 78.07B | 56.59B | 46.95B | 49.26B |
| Total Debt | 20.77B | 26.23B | 12.17B | 24.78B | 14.32B | 13.39B |
| Total Liabilities | 1.29T | 1.22T | 1.07T | 954.13B | 815.95B | 724.48B |
| Stockholders Equity | 149.32B | 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
Neutral
338.95
Price Trends
335.53
Negative
313.34
Positive
297.56
Positive
Market Momentum
-3.16
Positive
40.98
Neutral
23.24
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:KARURVYSYA, the sentiment is Neutral. The current price of 338.95 is above the 20-day moving average (MA) of 337.19, above the 50-day MA of 335.53, and above the 200-day MA of 297.56, indicating a neutral trend. The MACD of -3.16 indicates Positive momentum. The RSI at 40.98 is Neutral, neither overbought nor oversold. The STOCH value of 23.24 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:KARURVYSYA.
Karur Vysya Bank Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | ₹70.41B | 9.09 | ― | 0.65% | 9.85% | 20.48% | |
74 Outperform | ₹309.57B | 11.42 | ― | 0.80% | 15.05% | 36.88% | |
69 Neutral | ₹118.55B | 8.16 | ― | 0.96% | 2.83% | 13.45% | |
68 Neutral | ₹225.21B | 12.80 | ― | 0.89% | 18.39% | 20.21% | |
60 Neutral | ₹656.27B | 30.70 | ― | 0.23% | 3.62% | 46.01% | |
58 Neutral | ₹58.26B | 8.78 | ― | ― | 21.88% | 10.95% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:KARURVYSYA
Karur Vysya Bank Ltd.
324.40
116.42
55.97%
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333.20
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IN:CUB
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220.85
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IN:RBLBANK
RBL Bank Ltd.
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49.62%
IN:SOUTHBANK
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69.94%
Karur Vysya Bank Ltd. Corporate Events
Karur Vysya Bank Files FY26 Business Responsibility and Sustainability Report
Jul 13, 2026
Karur Vysya Bank has released its Business Responsibility and Sustainability Report for the financial year 2025-26 as part of its 107th Integrated Annual Report, in compliance with Regulation 34 of the SEBI Listing Obligations and Disclosure Requi...
Karur Vysya Bank sets virtual AGM on August 5, 2026 and circulates FY 2025-26 annual report
Jul 13, 2026
Karur Vysya Bank has scheduled its 107th Annual General Meeting for August 5, 2026, to be held virtually via video conferencing and other audio-visual means in line with guidelines from the Ministry of Corporate Affairs and SEBI. The bank has rele...
Karur Vysya Bank Closes Trading Window Ahead of Sensitive Period
Jun 25, 2026
Karur Vysya Bank has announced the closure of its trading window for dealings in the bank’s securities from July 1 to July 22, 2026, in line with its internal code of conduct and SEBI’s Prohibition of Insider Trading Regulations, 2015....
Karur Vysya Bank announces board change as director completes tenure
Jun 24, 2026
Karur Vysya Bank has announced that Non-Executive Non-Independent Director Shri R Ramkumar will cease to hold office at the close of business hours on June 24, 2026, upon completion of his eight-year tenure. The change is in compliance with Sectio...
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.