The Karur Vysya Bank Limited
The Karur Vysya Bank Limited Fundamental Analysis
The Karur Vysya Bank Limited (KARURVYSYA.NS) shows strong financial fundamentals with a PE ratio of 14.13, profit margin of 18.98%, and ROE of 20.14%. The company generates $100.9B in annual revenue with strong year-over-year growth of 16.94%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 71.2/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze KARURVYSYA.NS's fundamental strength across five key dimensions:
Efficiency Score
WeakKARURVYSYA.NS struggles to generate sufficient returns from assets.
Valuation Score
ExcellentKARURVYSYA.NS trades at attractive valuation levels.
Growth Score
ExcellentKARURVYSYA.NS delivers strong and consistent growth momentum.
Financial Health Score
ModerateKARURVYSYA.NS shows balanced financial health with some risks.
Profitability Score
ModerateKARURVYSYA.NS maintains healthy but balanced margins.
Key Financial Metrics
Is KARURVYSYA.NS Expensive or Cheap?
P/E Ratio
KARURVYSYA.NS trades at 14.13 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, KARURVYSYA.NS's PEG of 1.53 indicates fair valuation.
Price to Book
The market values The Karur Vysya Bank Limited at 2.72 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 9.01 times EBITDA. This is generally considered low.
How Well Does KARURVYSYA.NS Make Money?
Net Profit Margin
For every $100 in sales, The Karur Vysya Bank Limited keeps $18.98 as profit after all expenses.
Operating Margin
Core operations generate 24.81 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $20.14 in profit for every $100 of shareholder equity.
ROA
The Karur Vysya Bank Limited generates $0.00 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
The Karur Vysya Bank Limited generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
The Karur Vysya Bank Limited generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
KARURVYSYA.NS converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.13
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.53
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.72
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.24
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.20
vs 25 benchmark
ROA
Return on assets percentage
0.00
vs 25 benchmark
ROCE
Return on capital employed
0.00
vs 25 benchmark
How KARURVYSYA.NS Stacks Against Its Sector Peers
| Metric | KARURVYSYA.NS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.13 | 18.79 | Better (Cheaper) |
| ROE | 20.14% | 849.00% | Weak |
| Net Margin | 18.98% | 2879.00% | Weak |
| Debt/Equity | 0.00 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 675.77 | Weak Liquidity |
| ROA | 0.00% | -20989.00% (disorted) | Weak |
KARURVYSYA.NS outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews The Karur Vysya Bank Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
51.94%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
720.32%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-436.22%
Industry Style: Value, Dividend, Cyclical
Declining