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Banking And Finance | Small Cap
Health Score : 6.78Karnataka Bank Ltd demonstrates a mixed financial performance. The bank shows strong profitability driven by healthy margins and returns on capital and equity. Growth indicators are also robust, particularly in revenue, EPS, assets, and net income. However, solvency is a concern due to high debt levels relative to equity and assets. Liquidity is excellent, indicating a strong ability to meet short-term obligations. Efficiency is varied, with good fixed asset turnover but poor performance in inventory and capital turnover, which may reflect the nature of its operations. The bank's coverage ratios are adequate, with a strong equity dividend coverage offsetting a lower interest coverage ratio. Overall, Karnataka Bank exhibits good profitability and growth potential but needs to address its solvency challenges to ensure long-term financial stability.
Health Score : 6.78Karnataka Bank Ltd demonstrates a mixed financial performance. The bank shows strong profitability driven by healthy margins and returns on capital and equity. Growth indicators are also robust, particularly in revenue, EPS, assets, and net income. However, solvency is a concern due to high debt levels relative to equity and assets. Liquidity is excellent, indicating a strong ability to meet short-term obligations. Efficiency is varied, with good fixed asset turnover but poor performance in inventory and capital turnover, which may reflect the nature of its operations. The bank's coverage ratios are adequate, with a strong equity dividend coverage offsetting a lower interest coverage ratio. Overall, Karnataka Bank exhibits good profitability and growth potential but needs to address its solvency challenges to ensure long-term financial stability.
Overall Valuation Score
Markets Depth NSE
Buy Orders
Bid
Quantity
Orders
No buy depth
Total
0
0
Sell Orders
Ask
Quantity
Orders
No sell depth
Total
0
0
Markets Today NSE
High
0.00
Low
0.00
Open
0.00
Close
0.00
Prev Close
0.00
Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
9.05
Industry Median
11.99
Small Cap Median
9.60
P/E RATIO
9.05
P/B RATIO
0.90
Industry Median
1.21
Small Cap Median
1.06
P/S RATIO
1.30
Industry Median
1.65
Small Cap Median
1.29
Others
PEG RATIO
0.00
EV/EBITDA RATIO
1.33
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹313.7 as on Aug 12, 2026.
Growth Score : 8.80Karnataka Bank exhibits strong growth in revenue, EPS, assets, and net income, indicating a positive trajectory and successful expansion. However, the operating profit growth rate is a point of concern, suggesting inefficiencies or challenges in maintaining profitability as the bank grows. This warrants close monitoring to ensure that the bank's growth is sustainable and translates into improved profitability in the long term. Overall, the bank demonstrates robust growth potential.
Revenue Growth RateExcellent
Operating Profit Growth RatePoorEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -0.16 | 16.04 | 14.94 | 8.62 | -1.07 |
| Operating Profit Growth Rate | -77.04 | -387.1 | -40.82 | 44.62 | -44.2 |
| Earnings Per Share (EPS) Growth | 5.22 | 131.29 | -8.29 | -2.77 | 2.91 |
| Asset Growth Rate | 7.01 | 8.16 | 17.19 | 4.2 | 6.94 |
| Net Income Growth Rate | 5.39 | 132.28 | 10.76 | -2.6 | 2.99 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Tamilnad Mercantile Bank Ltd | 7.20 | 10.16 | Neutral | N/A | 84.47 | 1338.00 |
| 2 | DCB Bank Ltd | 6.87 | 8.28 | Neutral | N/A | 22.71 | 732.00 |
| 3 | Karnataka Bank Ltd | 6.78 | 9.05 | Neutral | N/A | 34.67 | 1311.00 |
| 4 | CSB Bank Ltd | 6.43 | 8.75 | Neutral | N/A | 36.50 | 633.00 |
| 5 | South Indian Bank Ltd | 4.21 | 8.31 | Neutral | N/A | 5.56 | 1456.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Strong Bearish
Concall Report⬤10th Nov 25
Q2 FY 2025-26 Financial Results Conference Call
NEUTRAL SENTIMENT
Karnataka Bank Ltd. is a prominent Indian private sector bank providing a comprehensive suite of financial products and services. It caters to retail, corporate, MSME, and agricultural segments through its extensive branch network and digital platforms. Established in 1924, it holds a significant presence in South India, known for its customer-centric approach.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Karnataka Bank Ltd's P/E ratio (TTM) is 9.05, compared to the industry median of 11.99 and large cap median of 9.60.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Karnataka Bank Ltd's P/B ratio is 0.90, compared to the industry median of 1.21 and large cap median of 1.06.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Karnataka Bank Ltd's P/S ratio is 1.30, compared to the industry median of 1.65 and large cap median of 1.29.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Karnataka Bank Ltd's PEG ratio is 0.25.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Karnataka Bank Ltd's EV/EBITDA ratio is 1.33.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Karnataka Bank Ltd's ROE is 9.91%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Karnataka Bank Ltd's ROA is 0.20%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Karnataka Bank Ltd's ROCE is 56.39%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Karnataka Bank Ltd's operating margin is 2.86%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Karnataka Bank Ltd's net margin is 14.70%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Karnataka Bank Ltd's current ratio is 50.15.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Karnataka Bank Ltd's debt-to-equity ratio is 8.09.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Karnataka Bank Ltd's interest coverage ratio is 1.29.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Karnataka Bank Ltd's DPS is ₹4.85.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Karnataka Bank Ltd's EPS is 2.91.
(Source line: "Ratios as of 12 Aug 2026, based on last traded price of ₹313.70. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Established on February 18, 1924, in Mangaluru, Karnataka, The Karnataka Bank Limited was founded by visionary leaders committed to fostering local economic development. The bank steadily expanded its branch network and service offerings across South India and later nationwide. It adapted to various banking reforms and technological advancements, including adopting core banking solutions and digital initiatives. The bank celebrated its centenary year in 2024, marking a century of service and growth.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Retail Banking | N/A (Significant portion of advances and deposits) | Operating Profit |
| Wholesale Banking | N/A (Focus on corporate and MSME lending) | Operating Profit |
| Treasury Operations | N/A (Generates non-interest income through investments) | Operating Profit |
P Pradeep Kumar (Chairman): A veteran banker with extensive experience, formerly Deputy Managing Director of State Bank of India, appointed Part-time Chairman in November 2023. Srikrishnan H (MD & CEO): Appointed in October 2023, he brings over 25 years of experience from leading private sector banks including ICICI Bank and HDFC Bank.
No major subsidiaries reported.
No major recent corporate actions on record other than regular dividend payouts.
References
The Karnataka Bank Ltd share price today is ₹313.70 on NSE (KTKBANK), as of 13 Aug 2026.
As of 12 Aug 2026, Karnataka Bank Ltd share price is ₹313.70, with previous close ₹N/A. Today's range is ₹N/A to ₹N/A. The 52-week range is ₹N/A to ₹N/A.
As of today, Karnataka Bank Ltd's market cap is ₹11,632 crore (Mid Cap).
Karnataka Bank Ltd's current P/E ratio is 9.05, compared to the BANKING AND FINANCE sector average of 24.
Karnataka Bank Ltd's current P/B ratio is 0.90.
Karnataka Bank Ltd's current dividend yield is 1.55%. Last dividend of ₹5.00 per share was declared on 02-Aug-2024.
Karnataka Bank Ltd's EPS (TTM) is ₹2.91.
Karnataka Bank Ltd. is a prominent Indian private sector bank providing a comprehensive suite of financial products and services. It caters to retail, corporate, MSME, and agricultural segments through its extensive branch network and digital platforms. Established in 1924, it holds a significant presence in South India, known for its customer-centric approach.
Karnataka Bank Ltd is promoted by No identifiable promoter group; professionally managed, holding 0% as of 12 Aug 2026.
Karnataka Bank Ltd is listed on NSE (KTKBANK) and BSE (532652). Its next quarterly results are expected on October/November 2024 (Q2 FY25).
Adjusted Earnings Per Share (Adjusted EPS)