The Karur Vysya Bank Limited Logo

The Karur Vysya Bank Limited

KARURVYSYA.NS

(3.5)
Stock Price

222,35 INR

1.57% ROA

17.57% ROE

9.36x PER

Market Cap.

158.651.362.640,00 INR

21.05% DER

1.21% Yield

21.38% NPM

The Karur Vysya Bank Limited Stock Analysis

The Karur Vysya Bank Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

The Karur Vysya Bank Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (15.46%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 DER

The stock has a minimal amount of debt (28%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Net Profit Growth

This company's net profit has consistently grown over the last five years, indicating a strong financial performance and making it an attractive investment opportunity.

4 ROA

The stock's ROA (1.25%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (1.34x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

7 Assets Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

8 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

9 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

10 Dividend

The company has consistently provided dividends over the past three years, indicating a reliable source of income for investors.

11 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (804) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

The Karur Vysya Bank Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

The Karur Vysya Bank Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

The Karur Vysya Bank Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

The Karur Vysya Bank Limited Revenue
Year Revenue Growth
2004 3.698.044.000
2005 4.261.016.000 13.21%
2006 4.662.644.000 8.61%
2007 12.893.306.000 63.84%
2008 17.112.986.000 24.66%
2009 20.049.224.000 14.65%
2010 24.820.286.000 19.22%
2011 12.672.767.000 -95.86%
2012 14.876.399.000 14.81%
2013 14.058.511.000 -5.82%
2014 15.662.319.000 10.24%
2015 20.967.586.000 25.3%
2016 21.684.235.000 3.3%
2017 19.243.646.000 -12.68%
2018 33.243.368.000 42.11%
2019 35.150.162.000 5.42%
2020 34.159.385.000 -2.9%
2021 34.892.174.000 2.1%
2022 45.077.500.000 22.6%
2023 45.114.400.000 0.08%
2023 98.626.300.000 54.26%
2024 106.915.200.000 7.75%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

The Karur Vysya Bank Limited Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

The Karur Vysya Bank Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 9.798.000
2005 7.671.000 -27.73%
2006 8.234.000 6.84%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 1.111.094.000 100%
2012 20.977.000 -5196.72%
2013 29.502.000 28.9%
2014 34.413.000 14.27%
2015 33.922.000 -1.45%
2016 39.552.000 14.23%
2017 38.083.000 -3.86%
2018 65.484.000 41.84%
2019 111.388.000 41.21%
2020 75.639.000 -47.26%
2021 89.642.000 15.62%
2022 451.867.000 80.16%
2023 0 0%
2023 516.529.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

The Karur Vysya Bank Limited EBITDA
Year EBITDA Growth
2004 4.589.246.000
2005 5.261.062.000 12.77%
2006 7.023.005.000 25.09%
2007 2.279.294.000 -208.12%
2008 2.563.714.000 11.09%
2009 3.586.649.000 28.52%
2010 4.456.760.000 19.52%
2011 28.934.534.000 84.6%
2012 38.657.847.000 25.15%
2013 43.024.321.000 10.15%
2014 44.827.856.000 4.02%
2015 46.564.747.000 3.73%
2016 45.180.112.000 -3.06%
2017 39.904.272.000 -13.22%
2018 3.222.274.000 -1138.39%
2019 2.721.847.000 -18.39%
2020 5.343.693.000 49.06%
2021 9.309.173.000 42.6%
2022 14.368.618.000 35.21%
2023 20.460.000.000 29.77%
2023 1.002.600.000 -1940.69%
2024 173.104 -579089.39%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

The Karur Vysya Bank Limited Gross Profit
Year Gross Profit Growth
2004 3.698.044.000
2005 4.261.016.000 13.21%
2006 4.662.644.000 8.61%
2007 12.893.306.000 63.84%
2008 17.112.986.000 24.66%
2009 20.049.224.000 14.65%
2010 24.820.286.000 19.22%
2011 12.672.767.000 -95.86%
2012 14.876.399.000 14.81%
2013 14.058.511.000 -5.82%
2014 15.662.319.000 10.24%
2015 20.967.586.000 25.3%
2016 21.684.235.000 3.3%
2017 19.243.646.000 -12.68%
2018 33.243.368.000 42.11%
2019 35.150.162.000 5.42%
2020 34.159.385.000 -2.9%
2021 34.892.174.000 2.1%
2022 45.077.500.000 22.6%
2023 45.114.400.000 0.08%
2023 98.626.300.000 54.26%
2024 106.915.200.000 7.75%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

The Karur Vysya Bank Limited Net Profit
Year Net Profit Growth
2004 1.053.414.000
2005 1.353.543.000 22.17%
2006 1.600.071.000 15.41%
2007 2.083.310.000 23.2%
2008 2.358.415.000 11.66%
2009 3.360.316.000 29.82%
2010 4.155.909.000 19.14%
2011 5.017.240.000 17.17%
2012 5.503.229.000 8.83%
2013 4.295.995.000 -28.1%
2014 4.642.846.000 7.47%
2015 5.676.346.000 18.21%
2016 6.059.826.000 6.33%
2017 3.456.722.000 -75.31%
2018 2.108.674.000 -63.93%
2019 2.350.247.000 10.28%
2020 3.593.893.000 34.6%
2021 6.732.700.000 46.62%
2022 11.060.900.000 39.13%
2023 15.138.000.000 26.93%
2023 16.048.100.000 5.67%
2024 18.346.000.000 12.53%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

The Karur Vysya Bank Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 2
2005 3 0%
2006 3 33.33%
2007 4 0%
2008 4 25%
2009 11 60%
2010 8 -42.86%
2011 8 0%
2012 9 12.5%
2013 7 -33.33%
2014 7 0%
2015 8 14.29%
2016 8 12.5%
2017 5 -100%
2018 3 -100%
2019 3 0%
2020 5 50%
2021 8 50%
2022 14 38.46%
2023 19 27.78%
2023 20 5.26%
2024 23 13.64%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

The Karur Vysya Bank Limited Free Cashflow
Year Free Cashflow Growth
2004 772.948.000
2005 1.471.703.000 47.48%
2006 -516.175.000 385.12%
2007 4.104.816.000 112.57%
2008 1.722.189.000 -138.35%
2009 -2.964.974.000 158.08%
2010 2.301.436.000 228.83%
2011 1.758.985.000 -30.84%
2012 -523.667.000 435.9%
2013 10.463.859.000 105%
2014 -4.117.691.000 354.12%
2015 3.880.399.000 206.12%
2016 15.260.406.000 74.57%
2017 -7.121.148.000 314.3%
2018 -5.859.965.000 -21.52%
2019 23.688.305.000 124.74%
2020 32.889.704.000 27.98%
2021 2.368.854.000 -1288.42%
2022 11.549.900.000 79.49%
2023 20.775.700.000 44.41%
2023 0 0%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

The Karur Vysya Bank Limited Operating Cashflow
Year Operating Cashflow Growth
2004 1.069.375.000
2005 1.668.382.000 35.9%
2006 -309.191.000 639.6%
2007 4.431.136.000 106.98%
2008 1.921.407.000 -130.62%
2009 -2.513.905.000 176.43%
2010 3.333.579.000 175.41%
2011 2.490.115.000 -33.87%
2012 818.288.000 -204.31%
2013 11.843.487.000 93.09%
2014 -3.089.485.000 483.35%
2015 4.798.699.000 164.38%
2016 16.112.538.000 70.22%
2017 -5.372.512.000 399.91%
2018 -4.299.855.000 -24.95%
2019 25.038.198.000 117.17%
2020 33.655.315.000 25.6%
2021 2.954.927.000 -1038.96%
2022 12.172.100.000 75.72%
2023 21.756.700.000 44.05%
2023 0 0%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

The Karur Vysya Bank Limited Capital Expenditure
Year Capital Expenditure Growth
2004 296.427.000
2005 196.679.000 -50.72%
2006 206.984.000 4.98%
2007 326.320.000 36.57%
2008 199.218.000 -63.8%
2009 451.069.000 55.83%
2010 1.032.143.000 56.3%
2011 731.130.000 -41.17%
2012 1.341.955.000 45.52%
2013 1.379.628.000 2.73%
2014 1.028.206.000 -34.18%
2015 918.300.000 -11.97%
2016 852.132.000 -7.76%
2017 1.748.636.000 51.27%
2018 1.560.110.000 -12.08%
2019 1.349.893.000 -15.57%
2020 765.611.000 -76.32%
2021 586.073.000 -30.63%
2022 622.200.000 5.81%
2023 981.000.000 36.57%
2023 0 0%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

The Karur Vysya Bank Limited Equity
Year Equity Growth
2004 7.608.749.000
2005 8.716.323.000 12.71%
2006 10.631.551.000 18.01%
2007 11.900.003.000 10.66%
2008 13.501.660.000 11.86%
2009 16.199.761.000 16.66%
2010 21.369.829.000 24.19%
2011 27.082.189.000 21.09%
2012 30.851.941.000 12.22%
2013 33.263.445.000 7.25%
2014 42.460.306.000 21.66%
2015 45.729.510.000 7.15%
2016 50.356.969.000 9.19%
2017 62.641.869.000 19.61%
2018 64.228.048.000 2.47%
2019 66.002.752.000 2.69%
2020 69.597.395.000 5.16%
2021 75.961.993.000 8.38%
2022 85.840.500.000 11.51%
2023 100.400.800.000 14.5%
2023 91.629.000.000 -9.57%
2024 100.400.800.000 8.74%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

The Karur Vysya Bank Limited Assets
Year Assets Growth
2004 78.848.481.000
2005 90.078.878.000 12.47%
2006 110.790.078.000 18.69%
2007 145.830.263.000 24.03%
2008 170.607.431.000 14.52%
2009 219.934.942.000 22.43%
2010 282.248.392.000 22.08%
2011 376.348.885.000 25%
2012 467.333.395.000 19.47%
2013 515.431.527.000 9.33%
2014 531.524.778.000 3.03%
2015 576.637.177.000 7.82%
2016 618.076.206.000 6.7%
2017 669.291.205.000 7.65%
2018 693.401.144.000 3.48%
2019 682.781.701.000 -1.56%
2020 746.231.878.000 8.5%
2021 800.437.171.000 6.77%
2022 901.794.200.000 11.24%
2023 1.055.852.000.000 14.59%
2023 984.349.300.000 -7.26%
2024 1.088.740.000.000 9.59%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

The Karur Vysya Bank Limited Liabilities
Year Liabilities Growth
2004 71.239.732.000
2005 81.362.555.000 12.44%
2006 100.158.527.000 18.77%
2007 133.930.260.000 25.22%
2008 157.105.771.000 14.75%
2009 203.735.181.000 22.89%
2010 260.878.563.000 21.9%
2011 349.266.696.000 25.31%
2012 436.481.454.000 19.98%
2013 482.168.082.000 9.48%
2014 489.064.472.000 1.41%
2015 530.907.667.000 7.88%
2016 567.719.237.000 6.48%
2017 606.649.336.000 6.42%
2018 629.173.096.000 3.58%
2019 616.778.949.000 -2.01%
2020 676.634.483.000 8.85%
2021 724.475.178.000 6.6%
2022 9.495.400.000 -7529.75%
2023 955.451.200.000 99.01%
2023 25.878.700.000 -3592.04%
2024 982.890.000.000 97.37%

The Karur Vysya Bank Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
99.09
Net Income per Share
21.19
Price to Earning Ratio
9.36x
Price To Sales Ratio
1.99x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.59
EV to Sales
2.92
EV Over EBITDA
50.2
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.11
FreeCashFlow Yield
0
Market Cap
158,65 Bil.
Enterprise Value
233,03 Bil.
Graham Number
243.89
Graham NetNet
-1287.69

Income Statement Metrics

Net Income per Share
21.19
Income Quality
0
ROE
0.18
Return On Assets
0.02
Return On Capital Employed
0.04
Net Income per EBT
0.77
EBT Per Ebit
0.54
Ebit per Revenue
0.52
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.01
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.52
Pretax Profit Margin
0.28
Net Profit Margin
0.21

Dividends

Dividend Yield
0.01
Dividend Yield %
1.21
Payout Ratio
0
Dividend Per Share
2.4

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.26
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-66,18
Book Value per Share
131,55
Tangible Book Value per Share
131.55
Shareholders Equity per Share
124.78
Interest Debt per Share
84.29
Debt to Equity
0.21
Debt to Assets
0.02
Net Debt to EBITDA
16.02
Current Ratio
0
Tangible Asset Value
105,85 Bil.
Net Current Asset Value
-928,60 Bil.
Invested Capital
58720000000
Working Capital
54,29 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.13

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

The Karur Vysya Bank Limited Dividends
Year Dividends Growth
2001 2
2002 2 50%
2003 4 33.33%
2004 5 40%
2005 5 0%
2006 1 -400%
2007 7 85.71%
2008 9 12.5%
2009 9 0%
2010 9 0%
2011 12 33.33%
2012 14 14.29%
2013 14 0%
2014 13 -7.69%
2015 13 0%
2016 14 7.14%
2017 3 -600%
2018 1 0%
2019 1 0%
2021 1 0%
2022 2 100%
2023 2 50%
2024 2 0%

The Karur Vysya Bank Limited Profile

About The Karur Vysya Bank Limited

The Karur Vysya Bank Limited provides various banking and financial services for personal and corporate customers in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers savings and current accounts; recurring, tax saving, and fixed deposits; personal, home, vehicle, and educational loans, as well as business loans, including working capital finance, term loans, and trade finance; foreign exchange services; debit and credit cards; prepaid instruments, including gift, forex travel, and re-loadable cards, as well as cards for senior citizens; life, non-life, and health insurance products; demat, trading, and mutual fund services; digital products; locker facilities; social security schemes; and government sponsored schemes. It also provides loans for micro, small, and medium enterprises, as well as commercial loans; mortgages; payment collection and transaction banking services; FCNR, NRE, and NRO deposits; jewel loans and loans against deposits; remittance services; and Internet and mobile banking services, as well as a range of products for the agricultural sector. As of March 31, 2022, the company operated 822 branches; 1,639 automated teller machines; 584 bunch note recycler machines; and 178 self-service passbook kiosks. The Karur Vysya Bank Limited was founded in 1916 and is based in Karur, India.

CEO
Mr. Ramesh Babu Boddu
Employee
8.889
Address
No. 20, Erode Road
Karur, 639002

The Karur Vysya Bank Limited Executives & BODs

The Karur Vysya Bank Limited Executives & BODs
# Name Age
1 Mr. Daniel Immanuel Gnanaraj
GM & Chief Human Resources Officer
70
2 Mr. M. S. Chandrasekaran
Chief General Manager & Chief Operating Officer
70
3 Mr. S. Balaji LLB Sociology, M.A., C.A.I.I.B.
Chief General Manager
70
4 Mr. K. V. S. M. Sudhakar
Chief General Manager & Chief Compliance Officer
70
5 Mr. J. Natarajan C.A., C.A.I.I.B., L.L.B., M.A, M.A.
President & Whole-Time Executive Director
70
6 Mr. V. Srinivasan J.A.I.I.B., M.B.A
GM and Head of Credit Monitoring, Legal & Recovery
70
7 Mr. S. Sekar B.Sc (Maths), B.Sc.
GM & Chief Information Officer
70
8 Mr. Srinivasa Rao Maddirala
Company Secretary, Compliance Officer, Deputy GM & Head of Investor Relations Cell
70
9 Mr. Ramesh Babu Boddu
MD, Chief Executive Officer & Director
70
10 Mr. Ramshankar R.
GM & Chief Financial Officer
70

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