ScoreWhy is Karur Vysya Bank Ltd. ?
1
Strong lending practices with low Gross NPA ratio of 0.76%
2
The Bank has a high Capital Adequacy Ratio of 15.95% signifying high buffers against its risk based assets
3
Healthy long term growth as Net profit has grown by an annual rate of 45.83%
4
The company has declared Positive results for the last 17 consecutive quarters
- OPERATING CF(Y) Highest at Rs 4,487.08 Cr
- DPS(Y) Highest at Rs 2.60
- INTEREST EARNED(Q) Highest at Rs 2,807.97 cr
5
With ROA of 1.6, it has a Fair valuation with a 1.9 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 24.07%, its profits have risen by 16.9% ; the PEG ratio of the company is 0.7
6
High Institutional Holdings at 55.79%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.9% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Karur Vysya Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Karur Vysya Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Karur Vysya Bank
23.04%
0.82
29.29%
Sensex
4.32%
0.36
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
13.39%
Net Profit Growth (5y)
45.83%
Advance to Deposit
82.09%
Capital Adequacy Ratio (Tier 1)
15.95%
Gross NPA (latest)
0.76%
Gross NPA (avg)
3.00%
Coverage Ratio (avg)
70.36%
Cost to Income (avg)
50.38%
Net Interest Margin (avg)
4.07%
Operating Profit to Assets (avg)
5.43%
ROA (avg)
1.23%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Price to Book Value
1.87
PEG Ratio
0.66
Dividend Yield
0.88%
ROE (Latest)
16.45%
ROA (Latest)
1.62%
Net NPA to Book Value
1.38
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
OPERATING CF(Y)
Highest at Rs 4,487.08 Cr
DPS(Y)
Highest at Rs 2.60
INTEREST EARNED(Q)
Highest at Rs 2,807.97 cr
PAT(Q)
Highest at Rs 573.96 cr.
NII(Q)
Highest at Rs 1,261.18 cr
PBDIT(Q)
Highest at Rs 505.06 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 17.99%
EPS(Q)
Highest at Rs 5.94
NET NPA(Q)
Lowest at 0.19%
-2What is not working for the Company
DPR(Y)
Lowest at 10.78%
NON-OPERATING INCOME(Q)
is 68.95 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Karur Vysya Bank
Operating Cash Flow - Annually
Highest at Rs 4,487.08 Cr and Grown
each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 2,807.97 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 573.96 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 1,261.18 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Dividend per Share (DPS) - Annually
Highest at Rs 2.60 and Grown
each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 505.06 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 17.99%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Earnings per Share (EPS) - Quarterly
Highest at Rs 5.94
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.19%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for Karur Vysya Bank
Non Operating Income - Quarterly
is 68.95 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Dividend Payout Ratio (DPR) - Annually
Lowest at 10.78%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Non Operating Income - Quarterly
Highest at Rs 512.32 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
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