āagman

Not investment advice. Data and computed figures, for information only.

Karur Vysya Bank Ltd

NSE: KARURVYSYA
₹345.65
+₹4.40 (+1.29%)
NSE · 15 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹32,853 Cr
CMP
₹345.65
52-wk High / Low
₹359 / 220
P/E
12.0
P/B
2.3
Book Value
₹146.0
Div Yield
0.76%
ROCE
7.6%
ROE
19.0%
Face Value
₹2
D/E
8.38

Price+52.5% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 13 quarters of filings. Not reported by the company.
As of 15 Oct 2026
How we compute these
Piotroski F-Score
2
/ 9
2 of 9 F-score tests passed
Graham Number
₹292
√(22.5 × EPS × book value per share)
Cash flow to profit
−0.22
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
17.3%
ROE × earnings retention ratio
ROE stability
3.2
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII −1.33DII +1.96
Latest quarter vs the previous one
Cash-accrual divergence
2.4%
of assets
Low = accruals track cash flow
Strengths
+Price trades above its 200-day moving average (1.1x)
+Price is within 10% of its 52-week high (-3.6%)
+PE of 12x is below the sector median of 20.4x
Watch-outs
−Latest ROCE of 7.6% trails the sector median of 9.4%
−Promoter holding fell by 0.2pp over the last year
−Piotroski F-Score of 2/9 is in the weak band (≤3)

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Standalone basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales1,8831,9972,1392,1872,2852,3872,4892,5162,5692,8082,7942,9043,049
Expenses7417438331,0518008968789258391,030848985859
Operating Profit—————————————
OPM %—————————————
Other Income333339358626388469465509447512509616442
Interest9861,0821,1381,1891,2601,3241,4071,4271,4891,5471,5551,5451,627
Depreciation0000000000000
Profit before tax4895125265746136366686746877439019891,005
Net Profit359378412456459474496513521574690725756
EPS (₹)3.723.934.274.734.754.905.145.315.405.947.147.507.82

Profit & Loss

As of 30 Jun 2026
Standalone · ₹ Cr · 12 years + TTM
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales5,3965,4435,6225,7005,8165,9905,4705,5886,5178,2139,67811,07411,555
Expenses1,5031,4941,8872,6092,9023,1122,6202,4342,9653,2673,3853,5763,723
Operating Profit—————————————
OPM %—————————————
Other Income5907077829009631,1559197691,1591,6491,8302,0842,079
Interest3,9303,6623,5493,4023,4533,6423,1112,8723,1684,3955,4186,1366,273
Depreciation818386851011191241191061001141270
Profit before tax4719128835043222725349311,4372,1002,5913,3203,638
Net Profit4645686063462112353596731,1061,6051,9422,5102,745
EPS (₹)4.956.056.463.602.202.453.757.0111.4916.6320.1025.9728.40

Balance Sheet

As of 30 Jun 2026
Standalone · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital122122122145160160160160160161161193—
Reserves4,1244,4514,9146,1196,2636,4406,8007,4368,4249,87911,76913,915—
Other Liabilities1,3151,4391,3761,3931,4841,4191,8572,6503,5263,8224,1434,207—
Total Liabilities53,15258,98561,80866,94169,34068,27874,62380,07190,1791,05,4531,19,3671,36,603—
Fixed Assets395417411475545563518464418412451455—
CWIP1748533823211517203947—
Investments12,37514,44314,85715,80314,88215,76216,01917,21618,80822,34423,83129,020—
Other Assets40,36644,12246,53250,61053,87651,92958,06562,37770,93682,67795,0461,07,082—
Total Assets53,15258,98561,80866,94169,34068,27874,62380,07190,1791,05,4531,19,3671,36,603—
Deposits44,84050,07953,70056,89059,86859,07563,27868,48676,63889,1131,02,0781,15,666—
Borrowing2,7512,8941,6962,3941,5651,1842,5281,3391,4322,4781,2172,623—

Cash Flows

As of 31 Mar 2026
Standalone · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity−3095801,611−550−1,5762,5043,3662951,2172,9544,487−554
Cash from Investing Activity−102−92−84−170549−1,535−1,379−1,594−1,270−1,296−2,151−1,745
Cash from Financing Activity482−346−74683414−274−59−96−178−694−188−205
Net Cash Flow711431,453−36−6126961,928−1,394−2319632,148−2,504

Ratios

As of 31 Mar 2026
12 periods
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %———————————7.6
ROE %12.013.013.06.03.04.05.09.014.017.018.019.0
EPS (₹)4.956.056.463.602.202.453.757.0111.4916.6320.1025.97
Book Value (₹)———————————146.0
Face Value (₹)———————————2
P/E———————————12.0
Div Yield %———————————0.76
NPM %7.89.29.55.23.13.35.610.614.416.316.919.1
OPM %————————————
D/E11.2111.5811.009.469.569.139.459.199.099.128.668.38
P/B———————————2.3

Growth

As of 11 Oct 2026
Compounded sales growth
10 years+7.0%
5 years+15.0%
3 years+19.0%
TTM+16.0%
Compounded profit growth
10 years+16.0%
5 years+47.0%
3 years+31.0%
TTM+37.0%
Stock price CAGR
10 years+18.0%
5 years+53.0%
3 years+44.0%
Last year+50.0%
Return on equity
10 years12.0%
5 years16.0%
3 years18.0%
Last year19.0%

Shareholding pattern

As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters2.16%2.16%2.07%2.08%2.08%2.11%2.13%2.28%2.24%2.20%2.11%2.07%2.07%
FIIs15.03%15.03%0.00%0.00%18.12%0.00%0.00%15.35%17.93%15.38%15.12%19.25%17.92%
DIIs28.97%28.97%41.76%40.19%23.68%44.39%41.74%21.88%30.80%36.22%38.87%39.26%41.22%
Government0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.02%0.02%0.02%0.01%
Public53.84%53.84%56.17%57.73%56.11%53.50%56.14%60.49%49.02%46.19%43.88%39.40%38.78%
No. of shareholders78,62578,62596,1461,37,8371,43,5381,43,4551,74,1492,02,2522,09,1882,45,9532,60,9492,72,7262,75,908
Change since Jun 2023 (pp)
Promoters −0.09FIIs +2.89DIIs +12.25Public −15.06

Documents

As of 11 Oct 2026
Announcements
Revision in EBR-R of the BankNewspaper PublicationSchedule of Analysts / Institutional Investors meet / Conference CallIntimation under SEBI (LODR) Regulation, 2015 read with Prohibition of Insider Trading Regulations, 2015Outcome of the Institutional Investor/Analyst meet
Annual reports
Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022Annual Report 2021
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Jul 2026TranscriptJul 2026PPTJul 2026RecordingMay 2026TranscriptMay 2026PPTJan 2026TranscriptJan 2026PPTJan 2026RecordingOct 2025TranscriptOct 2025PPTJul 2025TranscriptJul 2025PPT

Corporate actions

As of 24 Jul 2026
24 Jul 2026DIVIDENDDividend - Rs 2.60 Per Share—
26 Aug 2025BONUSBonus 1:5—
7 Aug 2025DIVIDENDDividend - Rs 2.60 Per Share—
1 Aug 2024DIVIDENDDividend - Rs 2.40 Per Share—
7 Aug 2023DIVIDENDDividend - Rs 2 Per Share—
19 Jul 2022DIVIDENDAnnual General Meeting/Dividend - Rs 1.60 Per Share—
23 Jul 2021DIVIDEND Annual General Meeting/Dividend - Rs 0.50 Per Share—
10 Jul 2019DIVIDEND Annual General Meeting/Dividend - Rs 0.60 Per Share—
14 Aug 2018BONUS Bonus 1:10—
11 Jul 2018DIVIDEND Dividend- Re 0.60 Per Share—
12 Oct 2017RIGHTS Rights 1:6 @ Premium Rs 74/-—
12 Jul 2017DIVIDEND Annual General Meeting/ Dividend � Rs 2.60 Per Share—
12 Jul 2016DIVIDEND Annual General Meeting/ Dividend -Rs 4/- Per Share—
21 Mar 2016DIVIDEND Interim Dividend - Rs 10/- Per Share (Purpose Revised)—
10 Jul 2015DIVIDENDAnnual General Meeting/ Dividend - Rs 13/- Per Share—
3 Jul 2014DIVIDENDAnnual General Meeting / Dividend Rs.13/- Per Share—
11 Jul 2013DIVIDENDAnnual General Meeting/Dividend Rs 14/- Per Share—
19 Jul 2012DIVIDENDAnnual General Meting / Dividend Rs 14 Per Share—
21 Jul 2011DIVIDENDDividend-Rs.12/- Per Share—
17 Feb 2011RIGHTSRights 2:5 @ Premium Rs.140/- Per Share—
16 Sep 2010BONUSBonus 2:5—
14 Jul 2010DIVIDENDDividend-Rs.12/- Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman