ScoreWhy is Karur Vysya Bank Ltd. ?
1
Strong Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 16.87%
- Healthy long term growth as Net profit has grown by an annual rate of 47.51%
- A low ratio signifies bank has stronger due diligence systems when giving out loans
2
The company has declared Positive results for the last 18 consecutive quarters
- PAT(Q) Highest at Rs 689.96 cr.
- PBT LESS OI(Q) Highest at Rs 391.62 cr.
- EPS(Q) Highest at Rs 7.14
3
Stock is technically in a Bullish range
- The technical trend has improved from Mildly Bullish on 16-Jun-26
- Multiple factors for the stock are Bullish like MACD, Bollinger Band, KST and OBV
4
With ROA of 1.8, it has a Fair valuation with a 2 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 44.89%, its profits have risen by 29.3% ; the PEG ratio of the company is 0.4
5
High Institutional Holdings at 58.53%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.44% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Karur Vysya Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Karur Vysya Bank for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Karur Vysya Bank
44.89%
1.30
34.66%
Sensex
-4.95%
-0.37
13.26%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
16.45%
Net Profit Growth (5y)
47.51%
Advance to Deposit
82.41%
Capital Adequacy Ratio (Tier 1)
16.87%
Gross NPA (latest)
0.75%
Gross NPA (avg)
2.24%
Coverage Ratio (avg)
70.32%
Cost to Income (avg)
47.16%
Net Interest Margin (avg)
4.19%
Operating Profit to Assets (avg)
8.80%
ROA (avg)
2.29%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Price to Book Value
2.03
PEG Ratio
0.38
Dividend Yield
0.73%
ROE (Latest)
17.79%
ROA (Latest)
1.84%
Net NPA to Book Value
1.32
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
PAT(Q)
Highest at Rs 689.96 cr.
PBT LESS OI(Q)
Highest at Rs 391.62 cr.
EPS(Q)
Highest at Rs 7.14
NET NPA(Q)
Lowest at 0.19%
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 56.51 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Karur Vysya Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 391.62 cr has Grown at 86.9% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 209.51 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 689.96 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 391.62 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 689.96 cr has Grown at 31.1% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 526.20 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 7.14
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.19%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for Karur Vysya Bank
Non Operating Income - Quarterly
is 56.51 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
