Karur Vysya Bank Limited, Fundamental analysis

Industry Industry name	Banks
Variance Full Year Net Profit Variance	28
Equity Latest Equity	193.31
Face Value Latest Face Value	2
Reserves Total Reserve	13914.54
Dividend Full Year Dividend %	130
Sales Turnover Full Year Net Sales	13158.67
Net Profit Full Year Net Profit	2486.08
Full Year CPS Full Year Cash Per Share	27
Earning Per Share Full Year Earning Per Share	25.7
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	3491.21
Previous EPS Previous earnings per share	0
Book Value Book value	146
Networth Full Year Return on Networth	19.28
Price/Book Value Price to Book value	2.390411
Yearly PE ratio Full Year Price to Earning per share	13.6
Yearly PC ratio Full Year Price to Cash Per Share	12.9
Bse value BSE Value in lakhs	319.81
Nse value NSE Value in lakhs	3348.09
High 52 week high	358
Low 52 week low	202
Price NSE Current market price	349
CPM Current market price	349

Market cap BSE / NSE Market Cap	33732.67
Net profit Latest Quarter Net Profit	755.7
Net profit variance Latest Quarter Net Profit variance	45
Result year Trailing latest month	Jun 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	10839.48
TTM OP Trailing Twelve 12 month Operating Profit	7260.44
TTM OPM Trailing Twelve 12 month Operating Profit Margin	66.98
TTM GP Trailing Twelve 12 month Gross Profit	3637.99
TTM GPM Trailing Twelve 12 month Gross Profit Margin	26.68
TTM NP Trailing Twelve 12 month Net Profit	1799.98
TTM NPV Trailing Twelve 12 month Net Profit Variane	36.93
TTM EPS Trailing Twelve 12 month EPS	28.4
TTM PE Trailing Twelve 12 month PE	12.29
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	193.31
LTP Latest Price (BSE/NSE)	349
Gross block Latest Gross Block	2073.5
Loans Total loans	115665.74
Advances Latest Advances for Banks	98190.61
Net profit asset Latest Assets	186.21
Year OPM Full Year Operating Profit Margin	72.7
Year GPM Full Year Gross Profit Margin	26
Quarter OPM Latest quater Operation Profit Margin	75.4

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	2,387	2,489	2,516	2,569	2,808	2,794	2,904	3,049
YOY Sales Growth %	20%	16%	15%	12%	18%	12%	15%	19%
Gross Sales	2,387	2,489	2,516	2,569	2,808	2,794	2,904	3,049
+ Expenses	896	878	925	839	1,030	848	985	859
Manufacturing Cost %	15%	14%	15%	14%	14%	14%	13%	12%
Employee Cost %	15%	15%	15%	14%	13%	13%	12%	13%
Other Cost %	8%	6%	6%	5%	10%	4%	9%	3%
Other Manufacturing Expenses %	15%	14%	15%	14%	14%	14%	13%	12%
Provisions & Contingencies %	8%	6%	6%	5%	10%	4%	9%	3%
Operating Profit	1,491	1,610	1,591	1,729	1,777	1,947	1,918	2,190
OPM %	62%	65%	63%	67%	63%	70%	66%	72%
+ Other Income	469	465	509	447	512	509	616	442
Miscellaneous Income	469	465	509	447	512	509	616	442
Interest / Discount on Advances or Bills	1,979	2,058	2,080	2,131	2,329	2,286	2,365	2,516
Interest on Investments	393	423	421	418	467	498	501	511
Interest on Balances with RBI	4	2	10	16	7	5	11	18
Other Interest	11	5	4	5	4	5	26	4
Interest	1,324	1,407	1,427	1,489	1,547	1,555	1,545	1,627
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	636	668	674	687	743	901	989	1,005
+ Tax %	26%	26%	24%	24%	23%	23%	27%	25%
Current Tax	163	172	160	166	169	211	264	250
Net Profit	474	496	513	521	574	690	725	756
EPS in Rs

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	5,622	5,700	5,816	5,990	5,470	5,588	6,517	8,213	9,678	11,074
Sales Growth %		1%	2%	3%	-9%	2%	17%	26%	18%	14%
Gross Sales	5,622	5,700	5,816	5,990	5,470	5,588	6,517	8,206	9,676	11,074
+ Expenses	1,972	2,694	3,003	3,230	2,744	2,554	3,071	3,368	3,499	3,703
Manufacturing Cost %	1%	1%	1%	1%	1%	1%	1%	1%	1%	1%
Employee Cost %	11%	11%	13%	14%	21%	17%	15%	18%	15%	13%
Other Cost %	23%	35%	38%	38%	28%	27%	30%	22%	20%	19%
Other Manufacturing Expenses %	1%	1%	1%	1%	1%	1%	1%	1%	1%	1%
Selling & Administration %	5%	5%	5%	5%	6%	6%	5%	5%	5%	4%
Miscellaneous Expenses %	17%	28%	31%	31%	20%	19%	23%	16%	14%	14%
Provisions & Contingencies %	12%	22%	24%	25%	14%	12%	16%	9%	6%	7%
Operating Profit	3,650	3,005	2,812	2,760	2,726	3,034	3,446	4,845	6,179	7,372
OPM %	65%	53%	48%	46%	50%	54%	53%	59%	64%	67%
+ Other Income	782	900	963	1,155	919	769	1,159	1,649	1,830	2,084
Miscellaneous Income	782	900	963	1,155	920	765	1,159	1,656	1,832	2,084
Interest / Discount on Advances or Bills	4,402	4,421	4,596	4,665	4,454	4,525	5,327	6,844	8,005	9,111
Interest on Investments	1,106	1,123	1,151	1,150	942	925	1,099	1,331	1,622	1,884
Interest on Balances with RBI	88	77	43	141	68	134	83	22	20	39
Other Interest	27	79	26	35	7	3	8	9	28	40
Interest	3,549	3,402	3,453	3,642	3,111	2,872	3,168	4,395	5,418	6,136
Depreciation	86	85	101	119	124	119	106	100	114	127
Profit before tax	883	504	322	272	534	931	1,437	2,100	2,591	3,320
+ Tax %	31%	31%	35%	14%	33%	28%	23%	24%	25%	24%
Current Tax	395	207	86	97	195	280	375	466	621	800
Deferred Tax	-117	-49	26	-60	-20	-23	-44	30	28	9
+ Net Profit	606	346	211	235	359	673	1,106	1,605	1,942	2,510
Profit Growth %		-43%	-39%	11%	53%	87%	64%	45%	21%	29%
EPS in Rs

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	122	145	160	160	160	160	160	161	161	193
Reserves	4,914	6,119	6,263	6,440	6,800	7,436	8,424	9,879	11,769	13,915
+ Borrowings	55,395	59,284	61,433	60,259	65,807	69,825	78,070	91,591	103,295	118,288
Secured Borrowings	1,696	2,394	1,565	1,184	2,528	1,339	1,432	2,478	1,217	2,623
Unsecured Borrowings	53,700	56,890	59,868	59,075	63,278	68,486	76,638	89,113	102,078	115,666
Deferred Credit	188	175	38	20	305	589	461	1,461	43	0
+ Other Liabilities	1,376	1,393	1,484	1,419	1,857	2,650	3,526	3,822	4,143	4,207
Current Liabilities	1,488	1,497	1,571	1,510	1,956	2,756	3,644	3,956	4,313	4,376
Total Liabilities	61,808	66,941	69,340	68,278	74,623	80,071	90,179	105,453	119,367	136,603
+ Fixed Assets	411	475	545	563	518	464	418	412	451	455
Gross Block	1,041	1,189	1,361	1,497	1,576	1,641	1,697	1,792	1,944	2,074
Accumulated Depreciation	630	715	816	934	1,058	1,177	1,279	1,379	1,493	1,619
CWIP	8	53	38	23	21	15	17	20	39	47
Investments	14,857	15,803	14,882	15,762	16,019	17,216	18,808	22,344	23,831	29,020
+ Other Assets	46,532	50,610	53,876	51,929	58,065	62,377	70,936	82,677	95,046	107,082
Cash Equivalents	4,345	4,309	3,697	4,393	6,320	4,926	4,695	5,659	7,807	5,303
Loans n Advances	42,298	46,405	50,266	47,627	51,844	57,556	66,359	77,152	87,410	101,948
Other asset items	-111	-104	-87	-91	-99	-106	-118	-134	-170	-169
Total Assets	61,808	66,941	69,340	68,278	74,623	80,071	90,179	105,453	119,367	136,603

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	1,611	-550	-1,576	2,504	3,366	295	1,217	2,954	4,487	-554
Profit Before Tax & Extraordinary Items	606	346	211	235	359	673	1,106	1,605	1,942	2,510
Depreciation	114	149	101	119	124	119	106	100	114	127
Interest (Net)	15	15	18	65	58	58	58	55	0	0
Profit / Loss on Sale of Assets	-1	-1	-1	12	0	-1	-1	-8	-3	-9
Profit / Loss on Sale of Investments	-205	-73	0	0	0	0	0	0	0	0
Provisions & Write-offs (Net)	992	1,198	1,563	1,603	1,248	1,202	1,473	1,149	1,401	1,676
Loans & Advances	-2,228	-4,906	-5,091	1,122	-4,906	-5,587	-9,181	-10,959	-10,776	-14,757
Change in Borrowing	-1,199	698	-1,316	-231	1,344	-1,189	93	1,533	-1,261	1,406
Change in Deposits	3,621	3,190	2,978	-793	4,203	5,408	8,152	12,475	12,965	13,588
Direct Taxes Paid	-215	-200	-200	-120	-140	315	205	-455	-515	-694
+ Cash from Investing Activity	-84	-170	549	-1,535	-1,379	-1,594	-1,270	-1,296	-2,151	-1,745
Purchase of Fixed Assets	-85	-194	-156	-135	-76	-58	-61	-90	-172	-152
Sale of Fixed Assets	1	0	1	0	0	0	0	0	4	23
Purchase of Investments	0	0	0	-1,400	-1,303	-1,536	-1,209	-1,206	-1,983	-1,616
Sale of Investments	0	25	704	0	0	0	0	0	0	0
+ Cash from Financing Activity	-74	683	414	-274	-59	-96	-178	-694	-188	-205
Proceeds from Issue of Shares	0	888	0	0	0	3	8	8	4	4
Proceeds from Issue of Debentures	0	0	487	0	0	0	0	0	0	0
Redemption of Debentures	0	0	0	-150	0	0	0	-487	0	0
Dividend Paid	-59	-190	-55	-58	-1	-40	-128	-160	-193	-209
Net Cash Flow	1,453	-36	-612	696	1,928	-1,394	-231	963	2,148	-2,504