Stock Performance and Market Position
On 26 Dec 2025, Karur Vysya Bank’s share price touched an intraday peak of Rs.259.8, representing a 3.9% rise during the trading session. This movement outpaced the broader sector by 3.97% and contrasted with the Sensex’s decline of 0.22% on the same day. The stock’s upward momentum followed a reversal after three consecutive days of decline, signalling renewed investor confidence in the company’s fundamentals.
The bank’s shares are currently trading above all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages. This technical positioning often indicates sustained strength and positive market sentiment.
Comparative Returns Over Various Periods
Karur Vysya Bank’s performance over recent periods has demonstrated notable resilience and growth relative to benchmark indices. Over the past one day, the stock recorded a gain of 3.26%, while the Sensex showed a marginal decline. Over one week, the bank’s shares appreciated by 2.22%, compared to the Sensex’s 0.34% rise. The one-month period saw a 2.70% increase in the stock price, whereas the Sensex declined by 0.45%.
More strikingly, the three-month performance of Karur Vysya Bank stands at 25.28%, significantly outperforming the Sensex’s 5.96%. The one-year return of 44.42% also surpasses the Sensex’s 8.60%, while the year-to-date gain of 43.99% contrasts with the Sensex’s 9.06%. Over a longer horizon, the stock has delivered a 186.05% return over three years and an impressive 583.70% over five years, both well above the Sensex’s respective 40.71% and 81.42% returns. Even over a decade, the bank’s shares have appreciated by 282.89%, outpacing the Sensex’s 229.82% growth.
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Financial Health and Profitability Metrics
Karur Vysya Bank’s financial indicators reflect a stable and well-capitalised institution. The bank maintains a Gross Non-Performing Asset (NPA) ratio of 0.76%, indicating prudent lending practices and effective risk management. Its Capital Adequacy Ratio stands at 15.95%, signalling a strong buffer against risk-weighted assets and compliance with regulatory requirements.
Net profit growth has been robust, with an annualised rate of 45.83%, supported by positive results declared for 17 consecutive quarters. Operating cash flow for the year reached a peak of Rs.4,487.08 crores, while the highest dividend per share declared was Rs.2.60. Interest earned in the most recent quarter was recorded at Rs.2,807.97 crores, underscoring the bank’s core income strength.
Valuation and Market Perception
The bank’s return on assets (ROA) is reported at 1.6%, with a price-to-book value ratio of 1.9. These figures suggest a valuation that is fair relative to the company’s asset base and profitability. The stock is trading at a premium compared to its peers’ historical averages, reflecting market recognition of its consistent performance and financial stability.
Over the past year, the stock’s return of 44.81% has been accompanied by a profit rise of 16.9%, resulting in a price/earnings to growth (PEG) ratio of 0.7. This metric indicates a valuation that is aligned with the company’s earnings growth trajectory.
Institutional Interest and Shareholding
Institutional investors hold a significant stake in Karur Vysya Bank, accounting for 55.79% of the shareholding. This level of institutional ownership often reflects confidence in the company’s fundamentals and governance. Notably, institutional holdings have increased by 0.9% over the previous quarter, signalling a gradual accumulation by entities with extensive analytical resources.
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Consistent Returns and Long-Term Growth
Karur Vysya Bank’s track record of consistent returns is evident in its performance relative to the BSE500 index. The stock has outperformed the index in each of the last three annual periods, reinforcing its position as a strong performer within the private sector banking space. This consistency is supported by steady profit growth and a history of positive quarterly results.
The bank’s ability to sustain growth over multiple years, combined with its sound capital position and asset quality, has contributed to the stock’s steady appreciation and the recent all-time high milestone.
Summary of Key Metrics
To summarise, Karur Vysya Bank’s recent market performance and financial data highlight several important points:
- New 52-week high of Rs.259.8 achieved on 26 Dec 2025
- Outperformance relative to Sensex and sector indices across multiple time frames
- Gross NPA ratio maintained at a low 0.76%
- Capital Adequacy Ratio of 15.95%, indicating strong capital buffers
- Net profit growth at an annualised rate of 45.83%
- Operating cash flow at Rs.4,487.08 crores for the year
- Institutional holdings at 55.79%, with a recent increase
- Consistent positive quarterly results over 17 consecutive periods
These factors collectively underpin the stock’s current valuation and market standing, culminating in the all-time high price milestone.
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