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	378.34
Face Value Latest Face Value	10
Reserves Total Reserve	12265.61
Dividend Full Year Dividend %	50
Sales Turnover Full Year Net Sales	10320.74
Net Profit Full Year Net Profit	1310.62
Full Year CPS Full Year Cash Per Share	37.5
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	334.2
Networth Full Year Return on Networth	10.82
Price/Book Value Price to Book value	1.017355
Yearly PE ratio Full Year Price to Earning per share	9.8
Yearly PC ratio Full Year Price to Cash Per Share	9.1
Bse value BSE Value in lakhs	279.64
Nse value NSE Value in lakhs	6545.84
High 52 week high	346
Low 52 week low	170
Price NSE Current market price	340
CPM Current market price	340

Market cap BSE / NSE Market Cap	12861.71
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	37.99
TTM PE Trailing Twelve 12 month PE	8.95
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	378.34
LTP Latest Price (BSE/NSE)	340
Gross block Latest Gross Block	1851.78
Loans Total loans	108777.07
Advances Latest Advances for Banks	81809.63
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	73.3
Year GPM Full Year Gross Profit Margin	17.1
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 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	5,185	5,424	5,906	6,475	6,232	6,222	7,220	8,299	9,014	8,918
Sales Growth %		5%	9%	10%	-4%	-0%	16%	15%	9%	-1%
Gross Sales	5,185	5,424	5,906	6,475	6,232	6,222	7,220	8,299	9,014	8,918
+ Expenses	1,832	2,502	2,299	2,770	2,976	2,751	2,737	3,055	2,939	2,863
Manufacturing Cost %	1%	1%	1%	1%	1%	1%	1%	1%	2%	2%
Employee Cost %	12%	10%	10%	14%	15%	16%	15%	17%	17%	15%
Other Cost %	23%	36%	28%	28%	32%	27%	22%	19%	14%	16%
Other Manufacturing Expenses %	1%	1%	1%	1%	1%	1%	1%	1%	2%	2%
Selling & Administration %	4%	5%	4%	4%	5%	5%	5%	4%	4%	4%
Miscellaneous Expenses %	18%	30%	23%	23%	26%	21%	16%	14%	8%	10%
Provisions & Contingencies %	10%	21%	14%	18%	21%	15%	11%	7%	2%	4%
Operating Profit	3,353	2,922	3,607	3,705	3,257	3,471	4,483	5,244	6,075	6,054
OPM %	65%	54%	61%	57%	52%	56%	62%	63%	67%	68%
+ Other Income	809	954	1,002	1,262	1,404	954	993	1,319	1,270	1,403
Miscellaneous Income	809	954	1,002	1,262	1,397	935	993	1,319	1,276	1,403
Interest / Discount on Advances or Bills	3,794	4,082	4,698	5,156	4,937	4,738	5,585	6,525	7,009	6,681
Interest on Investments	1,273	1,162	1,106	1,160	1,142	1,310	1,422	1,500	1,466	1,643
Interest on Balances with RBI	27	16	17	45	30	32	2	18	41	47
Other Interest	91	164	86	114	123	142	211	255	497	548
Interest	3,695	3,566	4,001	4,444	4,049	3,731	4,035	5,000	5,703	5,799
Depreciation	50	50	54	64	74	74	86	72	85	107
Profit before tax	468	310	608	522	612	694	1,440	1,563	1,641	1,658
+ Tax %	3%	-5%	21%	17%	21%	27%	18%	16%	22%	21%
Current Tax	16	-15	131	166	114	130	329	281	331	372
Deferred Tax	0	0	0	-76	15	56	-68	-24	37	-25
+ Net Profit	452	326	477	432	482	508	1,180	1,307	1,273	1,311
Profit Growth %		-28%	47%	-10%	12%	5%	132%	11%	-3%	3%
Net Profit After Minority Interest	0	0	0	432	482	508	1,180	1,307	1,273	1,311
EPS in Rs				13.89	15.52	16.33	37.77	34.63	33.68	34.66

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	283	283	283	311	311	311	312	377	378	378
Reserves	4,860	5,128	5,503	5,660	6,331	6,783	7,900	10,470	11,707	12,846
+ Borrowings	57,566	63,687	71,778	75,850	77,419	82,701	88,931	102,387	106,747	114,106
Secured Borrowings	833	816	3,326	4,065	1,765	2,314	1,563	4,400	1,941	5,329
Unsecured Borrowings	56,733	62,871	68,452	71,785	75,654	80,387	87,368	97,988	104,806	108,777
Deferred Credit	0	0	0	0	0	0	0	584	0	0
+ Other Liabilities	1,330	1,276	1,483	1,493	1,553	2,245	1,914	2,849	2,129	2,025
Current Liabilities	1,441	1,386	1,608	1,662	1,667	2,335	2,017	2,969	2,281	2,164
Total Liabilities	64,039	70,374	79,046	83,313	85,615	92,040	99,057	116,083	120,960	129,355
+ Fixed Assets	721	762	775	826	838	805	846	915	976	1,052
Gross Block	1,007	1,097	1,160	1,260	1,336	1,369	1,456	1,579	1,697	1,852
Accumulated Depreciation	286	335	385	434	498	564	610	664	721	800
CWIP	0	0	0	0	1	13	29	13	14	9
Investments	20,220	15,444	16,185	17,545	21,635	22,040	23,325	24,300	24,535	26,737
+ Other Assets	43,098	54,168	62,086	64,942	63,142	69,182	74,857	90,855	95,435	101,558
Cash Equivalents	3,274	3,601	3,610	2,919	5,316	4,437	6,159	8,053	7,984	7,736
Loans n Advances	39,935	50,676	58,601	62,192	57,940	64,835	68,800	82,922	87,602	93,962
Other asset items	-111	-110	-125	-170	-114	-90	-103	-121	-152	-139
Total Assets	64,039	70,374	79,046	83,313	85,615	92,040	99,057	116,083	120,960	129,355

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	-184	721	-2,231	-90	3,368	-467	1,830	681	210	1,100
Profit from Operations				1,797	2,200	1,827	2,580	2,221	2,001	2,187
Working Capital Changes				-1,672	1,503	-2,056	-443	-1,141	-1,428	-633
Profit Before Tax & Extraordinary Items	452	326	477	432	482	508	1,180	1,307	1,273	1,311
Depreciation	50	50	54	64	74	74	86	72	85	107
Profit / Loss on Sale of Assets	0	0	0	1	2	1	0	0	0	0
Profit / Loss on Sale of Investments	0	0	0	0	0	0	182	-105	-2	15
Provisions & Write-offs (Net)	576	1,210	1,035	1,301	1,642	1,245	1,132	948	645	754
Loans & Advances	-3,143	-11,039	-7,141	-3,609	4,654	-6,562	-3,533	-11,699	-4,957	-5,381
Change in Borrowing	0	0	0	0	0	0	-850	2,583	-3,075	4,462
Change in Deposits	6,093	5,818	4,403	3,368	971	5,116	6,981	10,690	6,749	3,971
Direct Taxes Paid	-246	-321	-208	-214	-334	-239	-307	-400	-364	-454
+ Cash from Investing Activity	-40	-91	-68	-56	-87	-56	-88	-369	-691	-88
Purchase of Fixed Assets	-41	-92	-69	-58	-88	-57	-89	-112	-163	-89
Sale of Fixed Assets	1	0	2	1	1	1	2	1	2	1
Purchase of Investments	0	0	0	0	0	0	0	-258	-530	0
Investment in Subsidiaries	0	0	0	0	-1	-1	-1	0	0	0
+ Cash from Financing Activity	453	-303	2,307	-545	-885	-355	-19	1,582	412	-1,260
Proceeds from Issue of Shares	655	0	0	0	0	2	7	1,485	4	2
Proceeds from Other Long-Term Borrowings	0	0	2,410	0	0	0	99	254	616	0
Repayment of Long-Term Borrowings	-90	-167	0	-425	-885	-301	0	0	0	-1,073
Dividend Paid	-112	-136	-102	-119	0	-56	-125	-156	-208	-189
Net Cash Flow	229	327	9	-690	2,396	-879	1,723	1,894	-69	-248