ScoreWhy is Karur Vysya Bank Ltd. ?
1
Strong Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 15.34%
- Healthy long term growth as Net profit has grown by an annual rate of 46.67%
- A low ratio signifies bank has stronger due diligence systems when giving out loans
2
The company has declared Positive results for the last 18 consecutive quarters
- PAT(Q) Highest at Rs 689.96 cr.
- PBT LESS OI(Q) Highest at Rs 391.62 cr.
- EPS(Q) Highest at Rs 7.14
3
High Institutional Holdings at 57.09%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.3% over the previous quarter.
4
Company is among the highest 1% of companies rated by MarketsMojo across all 4,000 stocks
- It is ranked 12 across all Small Cap and 33 across the entire market
5
Consistent Returns over the last 3 years
- Along with generating 56.34% returns in the last 1 year, the stock has outperformed BSE500 in each of the last 3 annual periods
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
57.16%
1.81
31.54%
Sensex
8.49%
0.74
11.41%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
14.11%
Net Profit Growth (5y)
46.67%
Advance to Deposit
81.05%
Capital Adequacy Ratio (Tier 1)
15.34%
Gross NPA (latest)
0.71%
Gross NPA (avg)
2.56%
Coverage Ratio (avg)
70.99%
Cost to Income (avg)
49.00%
Net Interest Margin (avg)
4.03%
Operating Profit to Assets (avg)
5.34%
ROA (avg)
1.27%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Price to Book Value
2.29
PEG Ratio
0.57
Dividend Yield
0.71%
ROE (Latest)
17.96%
ROA (Latest)
1.77%
Net NPA to Book Value
1.43
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
Mildly Bearish
Dow Theory
Bullish
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
PAT(Q)
Highest at Rs 689.96 cr.
PBT LESS OI(Q)
Highest at Rs 391.62 cr.
EPS(Q)
Highest at Rs 7.14
NET NPA(Q)
Lowest at 0.19%
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 56.51 % 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 391.62 cr has Grown at 86.9% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 209.51 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 689.96 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 391.62 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 689.96 cr has Grown at 31.1% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 526.20 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 7.14
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 56.51 % 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
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