Karur Vysya Bank Ltd
NSE:KARURVYSYA

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Karur Vysya Bank Ltd
NSE:KARURVYSYA
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Price: 212.54 INR -0.91% Market Closed
Market Cap: 170.1B INR
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Intrinsic Value

The intrinsic value of one KARURVYSYA stock under the Base Case scenario is 308.09 INR. Compared to the current market price of 212.54 INR, Karur Vysya Bank Ltd is Undervalued by 31%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

KARURVYSYA Intrinsic Value
308.09 INR
Undervaluation 31%
Intrinsic Value
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Karur Vysya Bank Ltd

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
Karur Vysya Bank Ltd

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Financials
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Balance Sheet Decomposition
Karur Vysya Bank Ltd

Net Loans 796.2B
Investments 249.2B
PP&E 4.6B
Other Assets 75.7B
Total Deposits 958.4B
Long Term Debt 14.2B
Other Liabilities 44.2B
Earnings Calls

In Q2 FY 2025, Karur Vysya Bank displayed consistent performance, with total business growing 4% to INR 176,138 crores. Advances reached INR 80,299 crores, up 4%, driven by a 10% increase in mortgage loans. The bank reported a net interest margin (NIM) of 4.11% and a return on assets (ROA) of 1.72%. Guidance includes maintaining NIM around 4% next quarter and annual deposit growth targeting 14%. Gross NPAs decreased to 1.1% with expectations to keep below 2%. The bank is strategically focusing on retail and agricultural lending to sustain growth amidst a challenging corporate segment.

What is Earnings Call?

Wall St
Price Targets

KARURVYSYA Price Targets Summary
Karur Vysya Bank Ltd

Wall Street analysts forecast KARURVYSYA stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for KARURVYSYA is 260.95 INR with a low forecast of 219.17 INR and a high forecast of 304.5 INR.

Lowest
Price Target
219.17 INR
3% Upside
Average
Price Target
260.95 INR
23% Upside
Highest
Price Target
304.5 INR
43% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Unsafe
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Safe
0
25
50
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100
Shareholder Yield

Current shareholder yield for KARURVYSYA is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Buyback Yield
Lowest
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Highest

Ownership

KARURVYSYA Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
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Profile

Karur Vysya Bank Ltd Logo
Karur Vysya Bank Ltd

Country

India

Industry

Banking

Market Cap

171.1B INR

Dividend Yield

1.13%

Description

Karur Vysya Bank Ltd. engages in the provision of delivering banking solutions with leveraging its customer-centric approach. The company is headquartered in Karur, Tamil Nadu and currently employs 6,761 full-time employees. The Bank is engaged in providing a range of banking and financial services, including commercial banking and treasury operations. The Bank's segments include Treasury, Corporate/ Wholesale banking, Retail banking and Other banking operations. The Treasury segment includes investments in central and state government securities, debt instruments of bank, certificate of deposits, equity shares, mutual funds and security receipts, among others. The Corporate/ Wholesale banking segment includes credit facilities and other banking services provided to corporate and other clients. The Retail banking segment consists of lending and other banking services to individuals/small business customers, other than corporate/ wholesale banking customers. The Other banking operations segment includes para-banking activities like bancassurance, third party product distribution, demat services and other banking transactions.

Contact

TAMIL NADU
Karur
No. 20, Erode Road, Vadivel Nagar, L.N.S.
+914324269444
www.kvb.co.in

IPO

1995-05-15

Employees

6 761

Officers

MD, CEO & Director
Mr. Ramesh Babu Boddu
President & Whole-Time Executive Director
Mr. J. Natarajan C.A., C.A.I.I.B., L.L.B., M.A, M.A.
GM & CFO
Mr. Ramshankar R.
Chief General Manager & COO
Mr. M. S. Chandrasekaran
GM & Chief Information Officer
Mr. S. Sekar B.Sc (Maths), B.Sc.
Company Secretary, Compliance Officer, Deputy GM & Head of Investor Relations Cell
Mr. Srinivasa Rao Maddirala
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GM and Head of Credit Monitoring, Legal & Recovery
Mr. V. Srinivasan J.A.I.I.B., M.B.A
Chief General Manager & Chief Compliance Officer
Mr. K. V. S. M. Sudhakar
GM & Chief Human Resources Officer
Mr. Daniel Immanuel Gnanaraj
Chief General Manager
Mr. S. Balaji LLB Sociology, M.A., C.A.I.I.B.
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See Also

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What is the Intrinsic Value of one KARURVYSYA stock?

The intrinsic value of one KARURVYSYA stock under the Base Case scenario is 308.09 INR.

Is KARURVYSYA stock undervalued or overvalued?

Compared to the current market price of 212.54 INR, Karur Vysya Bank Ltd is Undervalued by 31%.

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