The Karnataka Bank Limited, Fundamental analysis

The Karnataka Bank Limited - Technical chart

consolidated in Rs/Cr.

Industry Industry name	Banks
Variance Full Year Net Profit Variance	3
Equity Latest Equity	378.3
Face Value Latest Face Value	10
Reserves Total Reserve	12346.83
Dividend Full Year Dividend %	50
Sales Turnover Full Year Net Sales	10320.74
Net Profit Full Year Net Profit	1310.75
Full Year CPS Full Year Cash Per Share	34.6
Earning Per Share Full Year Earning Per Share	34.6
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	2738.13
Previous EPS Previous earnings per share	0
Book Value Book value	336.4
Networth Full Year Return on Networth	11.61
Price/Book Value Price to Book value	0.912604
Yearly PE ratio Full Year Price to Earning per share	8.9
Yearly PC ratio Full Year Price to Cash Per Share	8.9
Bse value BSE Value in lakhs	183.29
Nse value NSE Value in lakhs	3841.57
High 52 week high	316
Low 52 week low	169
Price NSE Current market price	307
CPM Current market price	307

Market cap BSE / NSE Market Cap	11617.56
Net profit Latest Quarter Net Profit	419.12
Net profit variance Latest Quarter Net Profit variance	43
Result year Trailing latest month	Jun 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	10119.7
TTM OP Trailing Twelve 12 month Operating Profit	7085.44
TTM OPM Trailing Twelve 12 month Operating Profit Margin	70.02
TTM GP Trailing Twelve 12 month Gross Profit	1853.6
TTM GPM Trailing Twelve 12 month Gross Profit Margin	17.76
TTM NP Trailing Twelve 12 month Net Profit	1342.31
TTM NPV Trailing Twelve 12 month Net Profit Variane	23.39
TTM EPS Trailing Twelve 12 month EPS	38
TTM PE Trailing Twelve 12 month PE	8.08
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	378.3
LTP Latest Price (BSE/NSE)	307
Gross block Latest Gross Block	1697.14
Loans Total loans	104806.2
Advances Latest Advances for Banks	76541.48
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	58.7
Year GPM Full Year Gross Profit Margin	16.1
Quarter OPM Latest quater Operation Profit Margin	72.9

Quarterly Results (consolidated, figures in Rs Cr.)

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	2,234	2,243	2,258	2,261	2,179	2,220	2,257	2,383
YOY Sales Growth %	10%	6%	3%	-1%	-2%	-1%	-0%	5%
Gross Sales	2,234	2,243	2,258	2,261	2,179	2,220	2,257	2,383
+ Expenses	674	743	865	757	651	737	717	742
Manufacturing Cost %	13%	14%	14%	13%	14%	13%	15%	13%
Employee Cost %	16%	15%	23%	15%	15%	16%	13%	17%
Other Cost %	1%	4%	1%	5%	1%	4%	4%	1%
Other Manufacturing Expenses %	13%	14%	14%	13%	14%	13%	15%	13%
Provisions & Contingencies %	1%	4%	1%	5%	1%	4%	4%	1%
Operating Profit	1,560	1,500	1,394	1,504	1,528	1,483	1,540	1,641
OPM %	70%	67%	62%	67%	70%	67%	68%	69%
+ Other Income	270	299	428	358	343	302	399	355
Miscellaneous Income	270	299	428	358	343	302	399	355
Interest / Discount on Advances or Bills	1,770	1,759	1,765	1,730	1,641	1,621	1,689	1,814
Interest on Investments	356	347	380	389	406	423	424	433
Interest on Balances with RBI	13	19	5	9	22	10	5	7
Other Interest	95	118	109	133	110	166	138	129
Interest	1,401	1,450	1,478	1,506	1,451	1,428	1,414	1,444
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	429	349	344	357	420	357	525	552
+ Tax %	22%	19%	27%	18%	24%	19%	22%	24%
Current Tax	93	66	92	64	101	66	117	133
+ Net Profit	336	284	253	293	319	291	408	419
Net Profit After Minority Interest	336	284	253	293	319	291	408	419
EPS in Rs	8.90	7.51	6.68	7.74	8.44	7.69	10.80	11.08

Profit & Loss (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Sales	4,992	5,185	5,424	5,906	6,475	6,232	6,222	7,220	8,299	9,014
Sales Growth %		4%	5%	9%	10%	-4%	-0%	16%	15%	9%
Gross Sales	4,992	5,185	5,424	5,906	6,475	6,232	6,222	7,220	8,299	9,014
+ Expenses	1,318	1,832	2,502	2,299	2,770	2,976	2,751	2,737	3,055	2,939
Manufacturing Cost %	0%	1%	1%	1%	1%	1%	1%	1%	1%	2%
Employee Cost %	9%	12%	10%	10%	14%	15%	16%	15%	17%	17%
Other Cost %	17%	23%	36%	28%	28%	32%	27%	22%	19%	14%
Other Manufacturing Expenses %	0%	1%	1%	1%	1%	1%	1%	1%	1%	2%
Selling & Administration %	4%	4%	5%	4%	4%	5%	5%	5%	4%	4%
Miscellaneous Expenses %	12%	18%	30%	23%	23%	26%	21%	16%	14%	8%
Provisions & Contingencies %	7%	10%	21%	14%	18%	21%	15%	11%	7%	2%
Operating Profit	3,674	3,353	2,922	3,607	3,705	3,257	3,471	4,483	5,244	6,075
OPM %	74%	65%	54%	61%	57%	52%	56%	62%	63%	67%
+ Other Income	543	809	954	1,002	1,262	1,404	954	993	1,319	1,270
Miscellaneous Income	543	809	954	1,002	1,262	1,397	935	993	1,319	1,276
Interest / Discount on Advances or Bills	3,700	3,794	4,082	4,698	5,156	4,937	4,738	5,585	6,525	7,009
Interest on Investments	1,190	1,273	1,162	1,106	1,160	1,142	1,310	1,422	1,500	1,466
Interest on Balances with RBI	3	27	16	17	45	30	32	2	18	41
Other Interest	99	91	164	86	114	123	142	211	255	497
Interest	3,689	3,695	3,566	4,001	4,444	4,049	3,731	4,035	5,000	5,703
Depreciation	42	50	50	54	64	74	74	86	72	85
Profit before tax	528	468	310	608	522	612	694	1,440	1,563	1,641
+ Tax %	21%	3%	-5%	21%	17%	21%	27%	18%	16%	22%
Current Tax	113	16	-15	131	166	114	130	329	281	331
Deferred Tax	0	0	0	0	-76	15	56	-68	-24	37
+ Net Profit	415	452	326	477	432	482	508	1,180	1,307	1,273
Profit Growth %		9%	-28%	47%	-10%	12%	5%	132%	11%	-3%
Net Profit After Minority Interest	0	0	0	0	432	482	508	1,180	1,307	1,273
EPS in Rs					13.89	15.52	16.33	37.77	34.63	33.68

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	188	283	283	283	311	311	311	312	377	378
Reserves	3,502	4,860	5,128	5,503	5,660	6,331	6,783	7,900	10,470	11,707
+ Borrowings	51,540	57,566	63,687	71,778	75,850	77,419	82,701	88,931	102,387	106,747
Secured Borrowings	1,051	833	816	3,326	4,065	1,765	2,314	1,563	4,400	1,941
Unsecured Borrowings	50,488	56,733	62,871	68,452	71,785	75,654	80,387	87,368	97,988	104,806
Deferred Credit	99	0	0	0	0	0	0	0	584	0
+ Other Liabilities	1,270	1,330	1,276	1,483	1,493	1,553	2,245	1,914	2,849	2,129
Current Liabilities	1,470	1,441	1,386	1,608	1,662	1,667	2,335	2,017	2,969	2,281
Total Liabilities	56,500	64,039	70,374	79,046	83,313	85,615	92,040	99,057	116,083	120,960
+ Fixed Assets	307	721	762	775	826	838	805	846	915	976
Gross Block	549	1,007	1,097	1,160	1,260	1,336	1,369	1,456	1,579	1,697
Accumulated Depreciation	242	286	335	385	434	498	564	610	664	721
CWIP	0	0	0	0	0	1	13	29	13	14
Investments	16,257	20,220	15,444	16,185	17,545	21,635	22,040	23,325	24,300	24,535
+ Other Assets	39,937	43,098	54,168	62,086	64,942	63,142	69,182	74,857	90,855	95,435
Cash Equivalents	3,045	3,274	3,601	3,610	2,919	5,316	4,437	6,159	8,053	7,984
Loans n Advances	37,092	39,935	50,676	58,601	62,192	57,940	64,835	68,800	82,922	87,602
Other asset items	-200	-111	-110	-125	-170	-114	-90	-103	-121	-152
Total Assets	56,500	64,039	70,374	79,046	83,313	85,615	92,040	99,057	116,083	120,960

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Cash from Operating Activity	636	-184	721	-2,231	-90	3,368	-467	1,830	681	210
Profit from Operations					1,797	2,200	1,827	2,580	2,221	2,001
Working Capital Changes					-1,672	1,503	-2,056	-443	-1,141	-1,428
Profit Before Tax & Extraordinary Items	415	452	326	477	432	482	508	1,180	1,307	1,273
Depreciation	42	50	50	54	64	74	74	86	72	85
Profit / Loss on Sale of Assets	1	0	0	0	1	2	1	0	0	0
Profit / Loss on Sale of Investments	0	0	0	0	0	0	0	182	-105	-2
Provisions & Write-offs (Net)	473	576	1,210	1,035	1,301	1,642	1,245	1,132	948	645
Loans & Advances	-1,855	-3,143	-11,039	-7,141	-3,609	4,654	-6,562	-3,533	-11,699	-4,957
Change in Borrowing	0	0	0	0	0	0	0	-850	2,583	-3,075
Change in Deposits	4,004	6,093	5,818	4,403	3,368	971	5,116	6,981	10,690	6,749
Direct Taxes Paid	-185	-246	-321	-208	-214	-334	-239	-307	-400	-364
+ Cash from Investing Activity	-58	-40	-91	-68	-56	-87	-56	-88	-369	-691
Purchase of Fixed Assets	-59	-41	-92	-69	-58	-88	-57	-89	-112	-163
Sale of Fixed Assets	1	1	0	2	1	1	1	2	1	2
Purchase of Investments	0	0	0	0	0	0	0	0	-258	-530
Investment in Subsidiaries	0	0	0	0	0	-1	-1	-1	0	0
+ Cash from Financing Activity	-147	453	-303	2,307	-545	-885	-355	-19	1,582	412
Proceeds from Issue of Shares	0	655	0	0	0	0	2	7	1,485	4
Proceeds from Other Long-Term Borrowings	0	0	0	2,410	0	0	0	99	254	616
Repayment of Long-Term Borrowings	-34	-90	-167	0	-425	-885	-301	0	0	0
Dividend Paid	-113	-112	-136	-102	-119	0	-56	-125	-156	-208
Net Cash Flow	431	229	327	9	-690	2,396	-879	1,723	1,894	-69