Karur Vysya Bank Ltd.
NSE: KARURVYSYAKarur Vysya Bank Ltd.: A 30-second snapshot
Karur Vysya Bank trades at ₹299.05, above both its 50-DMA (₹289.66) and 200-DMA (₹258.88), with a trailing PE of 11.56 — the lowest among the 6-stock banking peer set. The bank reported Q4 FY2026 net profit of ₹7.25 billion and declared a dividend, with 5-year earnings growth of 39.1% and a profit margin of 38.39%. ROE and debt-to-equity are not available in the current data, leaving two primary banking quality metrics unquantifiable.
P/E
11.6
Forward P/E
9.4
ROE
—
Debt / Equity
—
Profit Margin
+38.4%
Div. Yield
—
5Y ROE > 15%
3/5
5Y FCF > 0
3/5
Quality
75/100
News
6 headlines · 4 positive · 0 negative
KARURVYSYA: Record profits, strong growth, and prudent risk management drive robust FY 2026 performance - TradingView
TradingView
Karur Vysya Bank Q4 net profit 7.25 billion rupees - marketscreener.com
marketscreener.com
The Karur Vysya Bank Limited Recommends Dividend for the Financial Year Ended March 31, 2026 - marketscreener.com
marketscreener.com
Buy Karur Vysya Bank; target of Rs 345: Prabhudas Lilladher - TradingView
TradingView
Transcript : The Karur Vysya Bank Limited, Q4 2026 Earnings Call, May 07, 2026 - marketscreener.com
marketscreener.com
Recent context
- ·Q4 FY2026 earnings call (May 7, 2026): net profit reported at ₹7.25 billion; management characterised FY2026 performance as driven by record profits, revenue growth, and risk management, per publicly available transcript summaries.
- ·Karur Vysya Bank board recommended a dividend for the financial year ended March 31, 2026, disclosed via exchange filing on May 7, 2026.
- ·Prabhudas Lilladher published a note on May 8, 2026 stating a target of ₹345 for the stock — this is the broker's stated view and does not represent a VivaTrades assessment.
Strengths
- +Trailing PE of 11.56 and forward PE of 9.44 are the lowest in the peer comparison set (ranked 1st of 6), which includes HDFCBANK (17.18), AXISBANK (14.74), BAJFINANCE (29.84), and BAJAJFINSV (28.43).
- +5-year earnings CAGR of 39.1% and 5-year revenue growth of 17.5% indicate sustained top-line and bottom-line expansion over the measurement period.
- +Profit margin of 38.39% is consistent with the Q4 FY2026 reported net profit of ₹7.25 billion, and the bank recommended a dividend for FY2026 — signalling balance-sheet confidence at the board level.
- +Quality score of 69 ranks 1st of 6 in the peer set; price is 15.5% above the 200-DMA and RSI of 53.69 is in neutral territory with no overbought signal.
Weaknesses
- −ROE is null and debt-to-equity is not reported, removing the two most direct measures of capital efficiency and leverage visibility for a banking entity.
- −Debt trend is flagged as rising in the persistence data; without a D/E ratio, the scale of balance-sheet leverage growth cannot be benchmarked against peers or against NIM.
- −Consistency score of 71 is supported by only 3 of available years showing ROE above 15% and 3 of available years with positive FCF — the data window is narrow and limits confidence in multi-cycle persistence.
- −Price is 12.93% below the 52-week high and down 6.25% over the past 3 months, indicating the strong 1-year gain (+65.27%) was concentrated in an earlier period, with recent price action reversing.
Open questions
- ?Does the rising debt trend reflect growth in the loan book or structural balance-sheet leverage, and how does net interest margin compare to mid-size banking peers over the same 5-year window?
- ?ROE is unavailable in the current data — what does the bank's disclosed return on assets and capital adequacy ratio (CRAR) suggest about capital deployment efficiency?
- ?The earnings CAGR of 39.1% over 5 years is high for a banking entity — how much of that growth is attributable to credit expansion versus margin improvement, and what is the NPA trajectory over the same period?
- ?The quality score ranks 1st among peers that include HDFCBANK and AXISBANK — what specific factors drive that ranking, and does it hold when peer data gaps (null ROE, null priceChange1Y) are filled?
Peer comparison: Banking
Ranks 1 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| KARURVYSYA | Karur Vysya Bank Ltd.You're viewing | 11.6 | — | 69 |
| Industry avg | across 5 peers | 31.7 | +14.2% | 39 |
| AXISBANK | Axis Bank Ltd. | 14.7 | +13.2% | 53 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.8 | +17.9% | 53 |
| HDFCBANK | HDFC Bank Ltd. | 17.2 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 28.4 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 68.5 | +11.3% | 20 |
Technical state
Current price
₹299.05
SMA 50
₹289.66
SMA 200
₹258.88
RSI (14)
53.7 (neutral)
From 52w high
-12.9%
1Y return
+65.3%
3M return
-6.3%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumROE and debt-to-equity are both null — the two primary capital-efficiency and leverage metrics for a banking entity — limiting quantitative assessment of balance-sheet quality.
- mediumDebt trend is flagged as rising; with D/E unreported, the pace and magnitude of leverage expansion relative to assets cannot be evaluated from available data.
- lowPrice is down 6.25% over the past 3 months and 12.93% below the 52-week high, even as it sits 15.5% above the 200-DMA (₹258.88), indicating short-term momentum has softened from the annual peak.
- lowpriceChange1Y is null for all 5 peers (AXISBANK, BAJAJFINSV, BAJFINANCE, HDFCBANK, HDFCLIFE), making relative 1-year return ranking unavailable.
- lowNews sample totals only 6 articles; sentiment distribution (4 positive, 0 negative) is directionally informative but thin for a mid-cap bank with active quarterly disclosure cycle.
Cross-section contradictions
- Stock is up 65.27% over 1 year yet 12.93% below its 52-week high and down 6.25% over 3 months, suggesting the annual gain is concentrated in an earlier window with recent momentum having reversed.
- Quality score of 69 ranks 1st of 6 peers while ROE is null — the relative ranking may partly reflect missing peer-level data rather than a confirmed structural quality advantage.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 17 May 2026 · rotates through NIFTY 500 every ~5 days