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THE KARNATAKA BANK
Intrinsic Value | Fundamental Analysis

BOM : 532652     NSE : KTKBANK    
LT :  
    Long Term Analysis
Fundamentals : Average
Valuation : Bad [Stock is Expensive]
NPA (Non Performing Assets) : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Downward
Price Momentum : Downward
Pledged Shares : None or < 25%
Mar 10,2025
Price(EOD): ₹ 177.50
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Private
MCap: ₹ 6,705.95 Cr
Value of ₹ 1 Lac invested in THE KARNATAKA BANK
on Mar 11,2020 (price: ₹ 56.45)

₹ 1 L

₹ 3.14 L

1W : 7.9% 1M : -2.7% 1Y : -28.8%
COMMUNITY POLL
for THE KARNATAKA BANK
Please provide your vote to see the results
Industry Peers & Returns1W1M1Y
THE KARNATAKA BANK 7.9% -2.7% -28.8%
HDFC BANK -1.4% -3.3% 17.2%
ICICI BANK 0.3% -4.6% 11.6%
KOTAK MAHINDRA BANK 0.7% 0.3% 12.7%
AXIS BANK 3.4% 1.5% -5.7%
INDUSIND BANK -8.8% -15.5% -39.3%
IDBI BANK 9.1% -7.5% -18.4%
YES BANK 1.2% -14.3% -31.2%
IDFC FIRST BANK -0.8% -11.6% -29.7%

FUNDAMENTAL ANALYSIS OF THE KARNATAKA BANK

 
Fundamentals Score
[ Q(TTM): Dec2024, Y: Mar2024
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]


VALUATION OF THE KARNATAKA BANK

 
Valuation Score
[As on : Mar 10,2025 ]

Ratio Consolidated
P/E
P/B
P/S
5.18
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 1,294.65 Cr
[Latest Qtr - Dec2024 - Consolidated Results ]

0.62
P/B Calculated based on Book Value of Rs 10,846.60 Cr
[Latest Year - Mar2024 - Consolidated Results ]

0.75
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 8,955.70 Cr
[Latest Qtr - Dec2024 - Consolidated Results ]

Financial Ratios →

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FAIR VALUE OF THE KARNATAKA BANK

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
102%
34%
202%

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SHARE PRICE MOMENTUM OF THE KARNATAKA BANK



THE KARNATAKA BANK vs SENSEX


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NPA

Year Net NPA/Advances ratio
Consolidated
2024
2023
2022
Avg_3yrs
1.58
1.7
2.42
1.9

PLEDGED PROMOTER SHARES OF THE KARNATAKA BANK

Pledged Promoter Shares
0 %
As on : Dec2024

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF THE KARNATAKA BANK

Consolidated Q-o-Q Y-o-Y
Net Interest Income
Op Profit
Profit Before Tax
Profit After Tax
0.4%
-5.98%
-18.63%
-15.67%
6.17%
-19.86%
-11.79%
-14.39%
QtrlyTrend
-4
Latest Qtr: Dec2024
Quarterly Result Analysis →


THE KARNATAKA BANK related INDICES

BSE Indices1W1M1Y
BSE SMALLCAP 4.4% -11.6% -1.9%
BSE ALLCAP 3.1% -6.1% -0.2%
BSE MIDSMALLCAP 3% -10.5% -1.8%
BSE FINANCIAL SERVICES 0.7% -4.5% 3.1%
NSE Indices1W1M1Y
NIFTY MICROCAP 250 6.7% -8.7% 1.4%
NIFTY TOTAL MARKET 3% -6% 0.1%

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FAQ about THE KARNATAKA BANK


Is THE KARNATAKA BANK good for long term investment?

As on Mar 10,2025, the Fundamentals of THE KARNATAKA BANK look Average and hence you may wait for the results to improve to invest for long term ! See Financial Performance of THE KARNATAKA BANK . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is THE KARNATAKA BANK UnderValued or OverValued?

As on Mar 10,2025, THE KARNATAKA BANK is Over Valued based on the estimates of intrinsic value and hence may not be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of THE KARNATAKA BANK ?

As on Mar 10,2025, the Intrinsic Value of THE KARNATAKA BANK is Rs. 87.76 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 87.76
Fair Value [Median EV / Sales Model] : Rs. 132.24
Fair Value [Median Price / Sales Model] : Rs. 58.72
Estimated Median Fair Value of THE KARNATAKA BANK : Rs. 87.76

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is THE KARNATAKA BANK trading at a Premium or Discount?

As on Mar 10,2025, THE KARNATAKA BANK is trading at a Premium of 102% based on the estimates of Median Intrinsic Value!