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Karnataka Bank Ltd.
(KTKBANK)
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Rating:66Neutral
Price Target:
₹361.00
▲(26.25% Upside)
Action:Reiterated
Date:08/21/26
The score is driven primarily by mixed financial performance: solid profitability and a generally sound, growing balance sheet are offset by a sharp 2026 revenue drop and notably volatile cash flows. Valuation is supportive due to a low P/E, and technicals are constructive on trend, though overbought signals temper the outlook.
Positive Factors
Growing Balance Sheet
Sustained asset and equity growth indicates expanding banking capacity and a stronger capital base. Moderate leverage provides resilience and supports future lending, although the latest increase in leverage should be monitored.
Negative Factors
Sharp Revenue Contraction
The abrupt 2026 revenue decline raises concerns about the durability of recent growth and the stability of interest or fee income. Persistent weakness could limit loan expansion, operating leverage, and the bank’s ability to compound earnings.
Read all positive and negative factors
Positive Factors
Negative Factors
Growing Balance Sheet
Sustained asset and equity growth indicates expanding banking capacity and a stronger capital base. Moderate leverage provides resilience and supports future lending, although the latest increase in leverage should be monitored.
Read all positive factors
Karnataka Bank Ltd. (KTKBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹121.46B
Dividend Yield1.56%
Average Volume (3M)80.26K
Price to Earnings (P/E)8.5
Beta (1Y)0.94
Revenue Growth0.90%
EPS Growth23.29%
CountryIN
Employees9,037
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)38.01
Shares Outstanding378,387,000
10 Day Avg. Volume86,469
30 Day Avg. Volume80,264
Financial Highlights & Ratios
PEG Ratio2.23
Price to Book (P/B)0.64
Price to Sales (P/S)0.82
P/FCF Ratio24.78
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)35.1
Revenue Forecast (FY)₹49.84B
Karnataka Bank Ltd. Business Overview & Revenue Model
Company Description
The Karnataka Bank Limited, founded in 1924 and headquartered in Mangalore, India, provides a broad spectrum of personal and business banking products and services across the nation. The bank organizes its operations into four main segments: Treas...
How the Company Makes Money
Karnataka Bank primarily makes money through interest-based income and fee-based (non-interest) income. The largest driver is net interest income: the bank earns interest on loans and advances and on interest-bearing investments, and pays interest...
Karnataka Bank Ltd. Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
72
Positive
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 104.39B | 103.21B | 102.83B | 96.17B | 82.13B | 71.66B |
| Gross Profit | 45.82B | 42.06B | 45.80B | 46.26B | 41.78B | 34.36B |
| EBITDA | 19.04B | 17.65B | 17.26B | 0.00 | 15.27B | 7.68B |
| Net Income | 14.37B | 13.11B | 12.73B | 13.07B | 11.80B | 5.08B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 1.29T | 1.21T | 1.16T | 990.58B | 920.40B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 77.36B | 79.84B | 79.93B | 116.16B | 44.37B |
| Total Debt | 0.00 | 53.29B | 19.41B | 44.48B | 15.63B | 14.64B |
| Total Liabilities | -132.24B | 1.16T | 1.09T | 1.05T | 908.45B | 849.46B |
| Stockholders Equity | 132.24B | 132.24B | 120.85B | 108.48B | 82.13B | 70.94B |
Cash Flow | ||||||
| Free Cash Flow | 22.94B | 3.40B | -67.03B | 5.69B | 17.41B | -5.24B |
| Operating Cash Flow | 23.35B | 4.29B | -65.40B | 6.81B | 18.30B | -4.67B |
| Investing Cash Flow | -404.90M | -78.49B | -6.91B | -1.11B | -875.20M | -564.34M |
| Financing Cash Flow | -28.10B | 71.72B | 71.61B | 122.72B | -194.60M | -3.55B |
Karnataka Bank Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | ₹227.68B | 13.06 | ― | 0.87% | 18.39% | 20.21% | |
81 Outperform | ₹138.28B | 9.70 | ― | 1.43% | 11.78% | 20.33% | |
69 Neutral | ₹124.31B | 8.23 | ― | 0.95% | 2.83% | 13.45% | |
68 Neutral | ₹64.26B | 8.13 | ― | 0.73% | 9.85% | 20.48% | |
66 Neutral | ₹121.46B | 8.52 | ― | 1.56% | 0.90% | 23.29% | |
58 Neutral | ₹52.91B | 7.99 | ― | ― | 21.88% | 10.95% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
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Karnataka Bank Ltd.
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Karnataka Bank Ltd. Corporate Events
Karnataka Bank Confirms SEBI-Mandated Demat Compliance for June Quarter
Jul 7, 2026
Karnataka Bank Ltd. has submitted a compliance certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended June 30, 2026. The filing, made to both the National Stock Exchange of India and ...
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.