ScoreWhy is Karur Vysya Bank Ltd. ?
1
Strong Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 16.87%
- Healthy long term growth as Net profit has grown by an annual rate of 47.51%
- A low ratio signifies bank has stronger due diligence systems when giving out loans
2
The company has declared Positive results for the last 19 consecutive quarters
- PBT LESS OI(Q) At Rs 373.30 cr has Grown at 45.4% (vs previous 4Q average)
- PAT(Q) Highest at Rs 724.96 cr.
- NII(Q) Highest at Rs 1,358.77 cr
3
Stock is technically in a Mildly Bullish range
- Multiple factors for the stock are Bullish like MACD, KST and OBV
4
With ROA of 1.8, it has a Fair valuation with a 2 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 57.10%, its profits have risen by 29.3% ; the PEG ratio of the company is 0.4
5
High Institutional Holdings at 58.53%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.44% over the previous quarter.
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
44.89%
1.57
36.47%
Sensex
-4.95%
-0.64
13.06%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
16.45%
Net Profit Growth (5y)
47.51%
Advance to Deposit
82.41%
Capital Adequacy Ratio (Tier 1)
16.87%
Gross NPA (latest)
0.75%
Gross NPA (avg)
2.24%
Coverage Ratio (avg)
70.32%
Cost to Income (avg)
47.16%
Net Interest Margin (avg)
4.19%
Operating Profit to Assets (avg)
8.80%
ROA (avg)
2.29%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Price to Book Value
2.03
PEG Ratio
0.38
Dividend Yield
0.73%
ROE (Latest)
17.79%
ROA (Latest)
1.84%
Net NPA to Book Value
1.32
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
PBT LESS OI(Q)
At Rs 373.30 cr has Grown at 45.4% (vs previous 4Q average
PAT(Q)
Highest at Rs 724.96 cr.
NII(Q)
Highest at Rs 1,358.77 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 84.89%
INTEREST EARNED(Q)
Highest at Rs 2,903.65 cr
PBDIT(Q)
Highest at Rs 630.96 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 21.73%
EPS(Q)
Highest at Rs 7.50
NET NPA(Q)
Lowest at 0.19%
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 62.26 % of Profit Before Tax (PBT
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Here's what is working for Karur Vysya Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 373.30 cr has Grown at 45.4% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 256.67 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 724.96 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 1,358.77 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 2,903.65 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 630.96 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 21.73%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit After Tax (PAT) - Quarterly
At Rs 724.96 cr has Grown at 26.1% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 574.68 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 7.50
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 (%)
Credit Deposit Ratio - Half Yearly
Highest at 84.89%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CAR - Quarterly
Highest at 18.76%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Karur Vysya Bank
Non Operating Income - Quarterly
is 62.26 % 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
Non Operating Income - Quarterly
Highest at Rs 615.80 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
