ScoreWhy is Karur Vysya Bank Ltd. ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 2.55%
- Healthy long term growth as Net profit has grown by an annual rate of 49.89%
- The Bank has a high Capital Adequacy Ratio of 16.62% signifying high buffers against its risk based assets
2
The company has declared Positive results for the last 20 consecutive quarters
- PAT(Latest six months) At Rs 1,480.66 cr has Grown at 43.09%
- PBT LESS OI(Q) At Rs 563.52 cr has Grown at 82.4% (vs previous 4Q average)
- NII(Q) Highest at Rs 1,422.75 cr
3
With ROA of 2, it has a Fair valuation with a 2.3 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 61.25%, its profits have risen by 36.9% ; the PEG ratio of the company is 0.3
4
High Institutional Holdings at 59.15%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.62% over the previous quarter.
5
Company is among the highest 1% of companies rated by MarketsMojo across all 4,000 stocks
- It is ranked 16 across all Small Cap and 30 across the entire market
Real-Time Research ReportHow much should you buy?
- 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?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Karur Vysya Bank
59.82%
1.67
36.66%
Sensex
-2.35%
-0.17
13.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
17.82%
Net Profit Growth (5y)
49.89%
Advance to Deposit
81.35%
Capital Adequacy Ratio (Tier 1)
16.62%
Gross NPA (latest)
0.74%
Gross NPA (avg)
2.00%
Coverage Ratio (avg)
70.51%
Cost to Income (avg)
46.74%
Net Interest Margin (avg)
4.05%
Operating Profit to Assets (avg)
5.44%
ROA (avg)
2.55%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Price to Book Value
2.35
PEG Ratio
0.32
Dividend Yield
1.39%
ROE (Latest)
19.45%
ROA (Latest)
2.01%
Net NPA to Book Value
1.39
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
PAT(Latest six months)
At Rs 1,480.66 cr has Grown at 43.09%
PBT LESS OI(Q)
At Rs 563.52 cr has Grown at 82.4% (vs previous 4Q average
NII(Q)
Highest at Rs 1,422.75 cr
DPS(Y)
Highest at Rs 2.60
INTEREST EARNED(Q)
Highest at Rs 3,049.42 cr
PBDIT(Q)
Highest at Rs 653.81 cr.
EPS(Q)
Highest at Rs 7.82
-5What is not working for the Company
OPERATING CF(Y)
Lowest at Rs -553.95 Cr
DPR(Y)
Lowest at 10.01%
NON-OPERATING INCOME(Q)
is 43.95 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Karur Vysya Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 563.52 cr has Grown at 82.4% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 308.93 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 755.70 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 1,422.75 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 3,049.42 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 653.81 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 563.52 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 755.70 cr has Grown at 20.4% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 627.58 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 7.82
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Dividend per Share (DPS) - Annually
Highest at Rs 2.60
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
Here's what is not working for Karur Vysya Bank
Operating Cash Flow - Annually
Lowest at Rs -553.95 Cr
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (Rs Cr)
Dividend Payout Ratio (DPR) - Annually
Lowest at 10.01% and Fallen
each year in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Non Operating Income - Quarterly
is 43.95 % 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
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
