The Karnataka Bank Limited Logo

The Karnataka Bank Limited

KTKBANK.NS

(3.5)
Stock Price

233,54 INR

1.28% ROA

22.01% ROE

6.29x PER

Market Cap.

88.573.990.235,00 INR

60.78% DER

1.83% Yield

30% NPM

The Karnataka Bank Limited Stock Analysis

The Karnataka 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 Karnataka Bank Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.78x) suggests it's undervalued, making it an attractive opportunity for investors.

2 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.

3 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

4 ROE

ROE in an average range (14.53%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (1.04%) 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.

6 DER

The stock has a reasonable amount of debt compared to its ownership (61%), suggesting a balanced financial position and a moderate level of risk.

7 Revenue 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 analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable 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's history of regular dividend distributions in the last three years showcases its ability to generate reliable income for shareholders.

11 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (1.164) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

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

The Karnataka 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 Karnataka Bank Limited Revenue
Year Revenue Growth
2005 5.329.096.000
2006 5.943.628.000 10.34%
2007 6.961.517.000 14.62%
2008 8.267.116.000 15.79%
2009 6.466.767.000 -27.84%
2010 9.035.208.000 28.43%
2011 10.754.462.000 15.99%
2012 13.345.035.000 19.41%
2013 15.329.307.000 12.94%
2014 17.355.730.000 11.68%
2015 18.334.656.000 5.34%
2016 22.962.985.000 20.16%
2017 27.145.122.000 15.41%
2018 28.784.993.000 5.7%
2019 34.290.636.000 16.06%
2020 35.836.371.000 4.31%
2021 34.457.727.000 -4%
2022 41.776.900.000 17.52%
2023 42.882.000.000 2.58%
2023 96.174.700.000 55.41%

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 Karnataka Bank Limited Research and Development Expenses
Year Research and Development Expenses Growth
2005 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%

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 Karnataka Bank Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 25.137.000
2006 54.943.000 54.25%
2007 64.280.000 14.53%
2008 86.005.000 25.26%
2009 103.263.000 16.71%
2010 102.600.000 -0.65%
2011 114.989.000 10.77%
2012 178.515.000 35.59%
2013 221.469.000 19.4%
2014 249.237.000 11.14%
2015 347.699.000 28.32%
2016 367.455.000 5.38%
2017 394.050.000 6.75%
2018 439.905.000 10.42%
2019 389.484.000 -12.95%
2020 452.769.000 13.98%
2021 126.637.000 -257.53%
2022 156.079.000 18.86%
2023 0 0%
2023 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 Karnataka Bank Limited EBITDA
Year EBITDA Growth
2005 2.038.788.000
2006 2.043.645.000 0.24%
2007 2.695.473.000 24.18%
2008 2.984.815.000 9.69%
2009 2.181.297.000 -36.84%
2010 2.347.476.000 7.08%
2011 2.755.845.000 14.82%
2012 4.882.152.000 43.55%
2013 4.341.865.000 -12.44%
2014 5.452.325.000 20.37%
2015 5.702.384.000 4.39%
2016 5.177.015.000 -10.15%
2017 3.602.172.000 -43.72%
2018 45.322.509.000 92.05%
2019 5.220.265.000 -768.2%
2020 6.118.189.000 14.68%
2021 6.939.332.000 11.83%
2022 14.404.821.000 51.83%
2023 16.090.400.000 10.48%
2023 718.800.000 -2138.51%

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 Karnataka Bank Limited Gross Profit
Year Gross Profit Growth
2005 5.329.096.000
2006 5.943.628.000 10.34%
2007 6.961.517.000 14.62%
2008 8.267.116.000 15.79%
2009 6.466.767.000 -27.84%
2010 9.035.208.000 28.43%
2011 10.754.462.000 15.99%
2012 13.345.035.000 19.41%
2013 15.329.307.000 12.94%
2014 17.355.730.000 11.68%
2015 18.334.656.000 5.34%
2016 22.962.985.000 20.16%
2017 27.145.122.000 15.41%
2018 28.784.993.000 5.7%
2019 34.290.636.000 16.06%
2020 35.836.371.000 4.31%
2021 34.457.727.000 -4%
2022 41.776.900.000 17.52%
2023 42.882.000.000 2.58%
2023 96.174.700.000 55.41%

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 Karnataka Bank Limited Net Profit
Year Net Profit Growth
2005 1.760.339.000
2006 1.770.344.000 0.57%
2007 2.417.410.000 26.77%
2008 2.667.050.000 9.36%
2009 1.671.197.000 -59.59%
2010 2.046.113.000 18.32%
2011 2.460.702.000 16.85%
2012 3.480.821.000 29.31%
2013 3.110.343.000 -11.91%
2014 4.514.502.000 31.1%
2015 4.152.913.000 -8.71%
2016 4.522.605.000 8.17%
2017 3.256.120.000 -38.9%
2018 4.772.398.000 31.77%
2019 4.317.765.000 -10.53%
2020 4.824.589.000 10.51%
2021 5.079.932.000 5.03%
2022 11.796.800.000 56.94%
2023 13.209.600.000 10.7%
2023 13.066.100.000 -1.1%

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 Karnataka Bank Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 10
2006 10 0%
2007 14 30.77%
2008 15 7.14%
2009 9 -55.56%
2010 9 0%
2011 10 0%
2012 14 30.77%
2013 12 -8.33%
2014 18 29.41%
2015 18 0%
2016 18 0%
2017 10 -70%
2018 15 33.33%
2019 14 -15.38%
2020 16 13.33%
2021 16 6.25%
2022 38 56.76%
2023 42 11.9%
2023 40 -7.69%

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 Karnataka Bank Limited Free Cashflow
Year Free Cashflow Growth
2005 -1.310.738.000
2006 -128.484.000 -920.16%
2007 8.710.752.000 101.48%
2008 -920.604.000 1046.2%
2009 2.693.911.000 134.17%
2010 -6.106.332.000 144.12%
2011 -1.511.282.000 -304.05%
2012 628.601.000 340.42%
2013 3.470.362.000 81.89%
2014 5.668.967.000 38.78%
2015 5.773.806.000 1.82%
2016 -2.252.954.000 356.28%
2017 6.293.293.000 135.8%
2018 -23.002.296.000 127.36%
2019 -1.471.254.000 -1463.45%
2020 32.806.493.000 104.48%
2021 -5.240.521.000 726.02%
2022 17.408.800.000 130.1%
2023 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 Karnataka Bank Limited Operating Cashflow
Year Operating Cashflow Growth
2005 -1.043.603.000
2006 70.107.000 1588.59%
2007 9.023.173.000 99.22%
2008 -530.197.000 1801.85%
2009 3.017.440.000 117.57%
2010 -5.893.947.000 151.2%
2011 -1.215.645.000 -384.84%
2012 1.027.414.000 218.32%
2013 4.039.289.000 74.56%
2014 6.480.986.000 37.67%
2015 6.359.343.000 -1.91%
2016 -1.841.135.000 445.4%
2017 7.208.788.000 125.54%
2018 -22.310.563.000 132.31%
2019 -895.964.000 -2390.12%
2020 33.682.718.000 102.66%
2021 -4.674.562.000 820.55%
2022 18.296.900.000 125.55%
2023 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 Karnataka Bank Limited Capital Expenditure
Year Capital Expenditure Growth
2005 267.135.000
2006 198.591.000 -34.52%
2007 312.421.000 36.43%
2008 390.407.000 19.98%
2009 323.529.000 -20.67%
2010 212.385.000 -52.33%
2011 295.637.000 28.16%
2012 398.813.000 25.87%
2013 568.927.000 29.9%
2014 812.019.000 29.94%
2015 585.537.000 -38.68%
2016 411.819.000 -42.18%
2017 915.495.000 55.02%
2018 691.733.000 -32.35%
2019 575.290.000 -20.24%
2020 876.225.000 34.34%
2021 565.959.000 -54.82%
2022 888.100.000 36.27%
2023 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 Karnataka Bank Limited Equity
Year Equity Growth
2005 11.111.306.000
2006 12.386.277.000 10.29%
2007 13.796.033.000 10.22%
2008 15.670.270.000 11.96%
2009 18.327.493.000 14.5%
2010 24.290.870.000 24.55%
2011 25.982.105.000 6.51%
2012 28.570.814.000 9.06%
2013 30.521.976.000 6.39%
2014 33.890.605.000 9.94%
2015 36.905.842.000 8.17%
2016 51.425.815.000 28.23%
2017 54.101.519.000 4.95%
2018 57.851.829.000 6.48%
2019 59.704.436.000 3.1%
2020 66.422.445.000 10.11%
2021 70.939.933.000 6.37%
2022 82.133.600.000 13.63%
2023 87.602.200.000 6.24%

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 Karnataka Bank Limited Assets
Year Assets Growth
2005 149.532.729.000
2006 162.225.162.000 7.82%
2007 193.398.178.000 16.12%
2008 228.578.060.000 15.39%
2009 270.351.543.000 15.45%
2010 316.930.075.000 14.7%
2011 363.215.712.000 12.74%
2012 415.263.800.000 12.53%
2013 470.288.006.000 11.7%
2014 518.365.993.000 9.27%
2015 565.003.349.000 8.25%
2016 641.265.467.000 11.89%
2017 703.736.754.000 8.88%
2018 790.457.552.000 10.97%
2019 833.134.876.000 5.12%
2020 855.808.576.000 2.65%
2021 920.399.008.000 7.02%
2022 990.583.400.000 7.09%
2023 1.058.549.300.000 6.42%

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 Karnataka Bank Limited Liabilities
Year Liabilities Growth
2005 138.421.423.000
2006 149.838.885.000 7.62%
2007 179.602.145.000 16.57%
2008 212.907.790.000 15.64%
2009 252.024.050.000 15.52%
2010 292.639.205.000 13.88%
2011 337.233.607.000 13.22%
2012 386.692.986.000 12.79%
2013 439.766.030.000 12.07%
2014 484.475.388.000 9.23%
2015 528.097.507.000 8.26%
2016 589.839.652.000 10.47%
2017 649.635.235.000 9.2%
2018 732.605.723.000 11.33%
2019 773.430.440.000 5.28%
2020 789.386.131.000 2.02%
2021 849.459.075.000 7.07%
2022 908.449.800.000 6.49%
2023 53.242.100.000 -1606.26%

The Karnataka Bank Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
144.06
Net Income per Share
43.33
Price to Earning Ratio
6.29x
Price To Sales Ratio
1.97x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.97
EV to Sales
1.62
EV Over EBITDA
4.42
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.16
FreeCashFlow Yield
0
Market Cap
88,57 Bil.
Enterprise Value
72,96 Bil.
Graham Number
522.6
Graham NetNet
49.93

Income Statement Metrics

Net Income per Share
43.33
Income Quality
0
ROE
0.17
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.82
EBT Per Ebit
1
Ebit per Revenue
0.36
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.36
Pretax Profit Margin
0.36
Net Profit Margin
0.3

Dividends

Dividend Yield
0.02
Dividend Yield %
1.83
Payout Ratio
0
Dividend Per Share
5

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
0.1
Return on Tangible Assets
0.01
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
220,18
Book Value per Share
280,12
Tangible Book Value per Share
3214.65
Shareholders Equity per Share
280.12
Interest Debt per Share
313.3
Debt to Equity
0.61
Debt to Assets
0.05
Net Debt to EBITDA
-0.95
Current Ratio
0
Tangible Asset Value
1.005,31 Bil.
Net Current Asset Value
15,61 Bil.
Invested Capital
0.61
Working Capital
68,86 Bil.
Intangibles to Total Assets
0
Average Receivables
3,42 Bil.
Average Payables
0,45 Bil.
Average Inventory
0
Debt to Market Cap
0.6

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 Karnataka Bank Limited Dividends
Year Dividends Growth
2001 2
2002 4 33.33%
2003 2 -200%
2004 3 66.67%
2005 2 -200%
2006 2 50%
2007 3 0%
2008 4 33.33%
2009 5 25%
2010 3 -33.33%
2011 3 0%
2012 4 0%
2013 4 25%
2014 4 0%
2015 5 20%
2016 5 0%
2017 4 -25%
2018 3 -33.33%
2019 4 0%
2021 2 -200%
2022 4 75%
2023 5 20%

The Karnataka Bank Limited Profile

About The Karnataka Bank Limited

The Karnataka Bank Limited provides personal and business banking products and services in India. It operates through four segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers savings and current accounts; fixed, cash certificate, and recurring deposits; and non-resident rupee, ordinary non-resident, foreign currency, and resident foreign currency accounts, as well as non-resident Indian priority banking services. It also provides loan products, including vehicle, home, education, personal, MSME, mortgage, women entrepreneur, gold, and other loans, as well as loans against property. In addition, the company offers debit, credit, gift, deposit only, and image cards; life, general, and health insurance products; investment products; remittance and other services; and forex services comprising pre and post-shipment, export collection bills, export LC advising, inward remittance facility, import letter of credit, import bill collection, buyer's credit, and outward remittances. Further, it provides point of sale service for merchant's payment solutions; and KBL e-COLLECT, a fee payment processing platform, which enables the institution to offer parents and students a way to pay their fees through a range of payment options. Additionally, the company offers various loans for agriculture; and other services, such as internet and mobile banking, mutual funds, demat and online trading services, locker facility, and funds transfer services. As of March 31, 2022, it operated through a network of 877 branches, 885 ATMs and 563 cash recyclers. The company was incorporated in 1924 and is headquartered in Mangalore, India.

CEO
Mr. Srikrishnan Harihara Sarma
Employee
8.644
Address
Mahaveera Circle
Mangalore, 575002

The Karnataka Bank Limited Executives & BODs

The Karnataka Bank Limited Executives & BODs
# Name Age
1 Mr. Raghurama H. S. Rao
Deputy GM & Chief Risk Officer
70
2 Mr. Nirmal Kumar Kechappa Hegde
GM, Head of Internal Audit & Chief of Internal Vigilance
70
3 Mr. K. Kannan
GM & Chief Information Security Officer
70
4 Mr. B. Anantha Padmanabha
Deputy GM & Chief Technology Officer
70
5 Mr. Sham Kanathila C.S.
Company Secretary & Compliance Officer
70
6 Mr. Srikrishnan Harihara Sarma
MD, Chief Executive Officer & Director
70
7 Mr. Srinivas Deshpande
Assistant GM of Public Relations
70
8 Mr. Gokuldas Pai
Chief Business Officer
70
9 Mr. Y. V. Balachandra
Chief Operating Officer
70
10 Mr. Sekhar Rao
Executive Director
70

The Karnataka Bank Limited Competitors

The South Indian Bank Limited Logo
The South Indian Bank Limited

SOUTHBANK.NS

(2.0)
Canara Bank Logo
Canara Bank

CANBK.NS

(3.8)
Union Bank of India Logo
Union Bank of India

UNIONBANK.NS

(3.5)
Bank of India Limited Logo
Bank of India Limited

BANKINDIA.NS

(3.2)
Indian Overseas Bank Logo
Indian Overseas Bank

IOB.NS

(2.2)