āagmanLoginNot investment advice. Data and computed figures, for information only.
Karnataka Bank Ltd
₹335.95
−₹3.25 (−0.96%)
NSE · 15 Oct 2026, close
Market Cap
₹12,419 Cr
CMP
₹335.95
52-wk High / Low
₹346 / 171
P/E
8.6
P/B
0.9
Book Value
₹350.0
Div Yield
1.52%
ROCE
6.1%
ROE
10.0%
Face Value
₹10
D/E
8.63
Price+92.4% over 1Y
āagman read
Computed by āagmanPiotroski F-Score
3
/ 9
3 of 9 F-score tests passed
Graham Number
₹522
√(22.5 × EPS × book value per share)
Cash flow to profit
0.84
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
8.7%
ROE × earnings retention ratio
ROE stability
2.4
pp σ
Standard deviation of ROE across periods. Lower = more stable
Cash-accrual divergence
0.2%
of assets
Low = accruals track cash flow
Strengths
+Price trades above its 200-day moving average (1.3x)
+Price is within 10% of its 52-week high (-2.9%)
+PE of 8.6x is below the sector median of 20.4x
Watch-outs
−Latest ROCE of 6.1% trails the sector median of 9.4%
−Piotroski F-Score of 3/9 is in the weak band (≤3)
Peer comparison
| Name | P/E | Mar Cap ₹ Cr | ROCE % | ROE % |
|---|
Quarterly results
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,959 | 2,027 | 2,113 | 2,201 | 2,278 | 2,234 | 2,243 | 2,258 | 2,261 | 2,179 | 2,220 | 2,257 | 2,383 |
| Expenses | 689 | 670 | 758 | 938 | 664 | 674 | 743 | 865 | 757 | 651 | 737 | 717 | 742 |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 324 | 250 | 326 | 419 | 279 | 270 | 299 | 428 | 358 | 343 | 302 | 399 | 355 |
| Interest | 1,144 | 1,204 | 1,285 | 1,367 | 1,375 | 1,401 | 1,450 | 1,478 | 1,506 | 1,451 | 1,428 | 1,414 | 1,444 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 450 | 402 | 396 | 315 | 518 | 429 | 349 | 344 | 357 | 420 | 357 | 525 | 552 |
| Net Profit | 371 | 330 | 331 | 274 | 400 | 336 | 284 | 253 | 292 | 319 | 291 | 408 | 419 |
| EPS (₹) | 11.87 | 10.56 | 9.55 | 7.27 | 10.61 | 8.90 | 7.50 | 6.68 | 7.74 | 8.44 | 7.69 | 10.80 | 11.08 |
Profit & Loss
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|
| Sales | 6,475 | 6,232 | 6,222 | 7,220 | 8,299 | 9,014 | 8,918 | 9,039 |
| Expenses | 2,706 | 2,902 | 2,677 | 2,651 | 2,983 | 2,854 | 2,757 | 2,848 |
| Operating Profit | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — |
| Other Income | 1,262 | 1,404 | 954 | 993 | 1,319 | 1,270 | 1,403 | 1,400 |
| Interest | 4,444 | 4,049 | 3,731 | 4,035 | 5,000 | 5,703 | 5,799 | 5,738 |
| Depreciation | 64 | 74 | 74 | 86 | 72 | 85 | 107 | 0 |
| Profit before tax | 522 | 612 | 694 | 1,440 | 1,563 | 1,641 | 1,658 | 1,854 |
| Net Profit | 432 | 482 | 508 | 1,180 | 1,307 | 1,273 | 1,311 | 1,437 |
| EPS (₹) | 13.89 | 15.52 | 16.33 | 37.77 | 34.64 | 33.68 | 34.66 | 38.01 |
Balance Sheet
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 311 | 311 | 311 | 312 | 377 | 378 | 378 | — |
| Reserves | 5,660 | 6,331 | 6,783 | 7,900 | 10,470 | 11,707 | 12,846 | — |
| Other Liabilities | 1,493 | 1,553 | 2,245 | 1,914 | 2,849 | 2,129 | 2,025 | — |
| Total Liabilities | 83,313 | 85,615 | 92,040 | 99,057 | 1,16,083 | 1,20,960 | 1,29,355 | — |
| Fixed Assets | 826 | 838 | 805 | 846 | 915 | 976 | 1,052 | — |
| CWIP | 0 | 1 | 13 | 29 | 13 | 14 | 9 | — |
| Investments | 17,545 | 21,635 | 22,040 | 23,325 | 24,300 | 24,535 | 26,737 | — |
| Other Assets | 64,942 | 63,142 | 69,182 | 74,857 | 90,855 | 95,435 | 1,01,558 | — |
| Total Assets | 83,313 | 85,615 | 92,040 | 99,057 | 1,16,083 | 1,20,960 | 1,29,355 | — |
| Deposits | 71,785 | 75,654 | 80,387 | 87,368 | 97,988 | 1,04,806 | 1,08,777 | — |
| Borrowing | 4,065 | 1,765 | 2,314 | 1,563 | 4,400 | 1,941 | 5,329 | — |
Cash Flows
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | −90 | 3,368 | −467 | 1,830 | 681 | 210 | 1,100 |
| Cash from Investing Activity | −56 | −87 | −56 | −88 | −369 | −691 | −88 |
| Cash from Financing Activity | −545 | −885 | −355 | −19 | 1,582 | 412 | −1,260 |
| Net Cash Flow | −690 | 2,396 | −879 | 1,723 | 1,894 | −69 | −248 |
Ratios
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| ROCE % | — | — | — | — | — | — | 6.1 |
| ROE % | 7.0 | 8.0 | 7.0 | 15.0 | 14.0 | 11.0 | 10.0 |
| EPS (₹) | 13.89 | 15.52 | 16.33 | 37.77 | 34.64 | 33.68 | 34.66 |
| Book Value (₹) | — | — | — | — | — | — | 350.0 |
| Face Value (₹) | — | — | — | — | — | — | 10 |
| P/E | — | — | — | — | — | — | 8.6 |
| Div Yield % | — | — | — | — | — | — | 1.52 |
| NPM % | 5.6 | 6.3 | 7.1 | 14.4 | 13.6 | 12.4 | 12.7 |
| OPM % | — | — | — | — | — | — | — |
| D/E | 12.70 | 11.66 | 11.66 | 10.83 | 9.44 | 8.83 | 8.63 |
| P/B | — | — | — | — | — | — | 0.9 |
Growth
Compounded sales growth
5 years+7.0%
3 years+7.0%
TTM+0.0%
Compounded profit growth
5 years+22.0%
3 years+4.0%
TTM+23.0%
Stock price CAGR
10 years+12.0%
5 years+36.0%
3 years+11.0%
Last year+88.0%
Return on equity
5 years12.0%
3 years12.0%
Last year10.0%
Documents
Announcements
Statement Of Debt Securities Issued Under Private Placement Basis In Accordance With SEBI (Issue And Listing Of Non-Convertible Securities) Regulations, 2021- For The Half Year Ended September 30, 2026. (Listed On NSE Debt Segment)Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Disclosure As per Regulations 6(1) And 7(1) Of The SEBI (LODR) Regulations, 2015Provisional Key Business Parameters As On 30.09.2026Closure of Trading WindowCorporate actions
15 Sep 2026DIVIDENDDividend - Rs 5 Per Share—
16 Sep 2025DIVIDENDDividend - Rs 5 Per Share—
3 Sep 2024DIVIDENDDividend - Rs 5.50 Per Share—
22 Aug 2023DIVIDENDDividend - Rs 5 Per Share—
18 Aug 2022DIVIDENDDividend - Rs 4 Per Share—
18 Aug 2021DIVIDEND Annual General Meeting/Dividend - Rs 1.80 Per Share—
17 Mar 2020BONUS Bonus 1:10—
29 Jul 2019DIVIDEND Annual General Meeting/Dividend - Rs 3.50 Per Share—
11 Jul 2018DIVIDEND Annual General Meeting / Dividend- Rs 3 Per Share—
6 Jul 2017DIVIDEND Annual General Meeting/Dividend - Rs 4/- Per Share—
24 Oct 2016RIGHTS Rights 1:2 @ Premium Rs 60/- Per Share—
20 Jul 2016DIVIDEND Annual General Meeting/ Dividend - Rs 5/- Per Share—
8 Jul 2015DIVIDENDAnnual General Meeting/Dividend - Rs 5/- Per Share—
10 Jul 2014DIVIDENDAnnual General Meeting / Dividend - Rs 4/- Per Share—
26 Jun 2013DIVIDENDAnnual General Meeting/Dividend Rs.4/- Per Share—
9 Aug 2012DIVIDENDAnnual General Meeting/ Dividend Rs 3.5 Per Share—
8 Jul 2011DIVIDENDAnnual General Meeting And Dividend Rs.3/- Per Share—
25 Feb 2011RIGHTSRights 2:5 @ Premium Rs 75 Per Share—
15 Jul 2010DIVIDENDAnnual General Meeting And Dividend Rs.4/- Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman