Karur Vysya Bank Share Price Target 2024, 2025, 2026, 2027, 2028, 2029, 2030 Fundamentals & Quarterly Results – KVB, a banking institution that is publicly traded currently performs favorably in trading its stocks and as a consequence increases its share prices on a daily basis.The company has established an enviable reputation through the latest performances in its main area of banking. For a while now, the company has been performing its primary operations so well that it has generated a fair amount of good reputation, which it leverages for trading in stock markets for strategic positioning.
Latest Update – The Karur Vysya Bank (KVB) declared a rise of 27.86 % in its net profit in the first quarter of this financial year at Rs.459 core as against Rs 359 core for the same period last year.
Karur Vysya Bank Overview
Contents
Providing a wide variety of banking and financial service, for instance, commercial and treasury operations, is what Karur Vysya Bank are involved in.
| Company Name | Karur Vysya Bank Ltd |
| Listed at | NSE & BSE |
| Head Office | No. 20, Erode Road, Vadivel Nagar, L.N.S., Karur – 639002 |
| Board Of Directors |
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| Official Website | kvb.co.in |
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Karur Vysya Bank Business Profile
The bank operates 790 branches and 2230 ATM’s and cash deposit machines in all parts of India as per March 2022. Most branches mostly lie in Southern India where Tamil Nadu itself has 425 of them.
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Loan Book
Loan distribution is as follows; loans for commercial advancement get 31%, the corporate sector receives 23%, the same as in the agricultural sector and retail. From the 35% it occupied in FY16, Corporate share was reduced to 23% for this particular fiscal year while Retail rose from the previous 15% to 23%
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Category-wise Exposur
The bank’s loan book has 25% of loans extended to each of the manufacturing sector as well as jewelry/gold loan sector, 14% to personal loans, 13% to trading, 6% to CRE, 4% to NBFCs, 2% to Agri, 2% to Bills and 9% to others.
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NPAs
Over time, the bank’s NPA decreased gradually; GNPA was at about 5% for FY22 down from around 9% in FY19 while NNPA decreased by about half or so from its previous rate during FY19. The reason why most of them are corporate defaults is due to corporate default.
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Debt instrument
In March 2019, a Private Placement was carried out by the Bank whereby 487 Crores worth of Basel III Compliant Non-Convertible Tier II Bonds bearing a coupon rate of 11.95% p.a., and expiring on June 12, 2029 were issued.
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Co. is focused on the growth in detail, especially with respect to Retail and MSME parts of its businesses. They aim at lowering the cost-to-income ratio to 50% and enhancing CASA whilst reducing GNPA to sub-5% and NNPA to sub-2%.
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Karur Vysya Bank Fundamentals & Quarterly Results
| Terms | Value |
|---|---|
| Market Cap | ₹15,608 Cr. |
| Current Price | ₹194 |
| High / Low | ₹209 / ₹107 |
| Stock P/E | 9.73 |
| Book Value | ₹107 |
| Dividend Yield | 1.03% |
| ROCE | 7.50% |
| ROE | 18.7% |
| Face Value | ₹2.00 |
| Debt to Equity | 9.09 |
| Debt Capacity | -3.09 |
| Debt Preceding Year | ₹78,070 Cr. |
| Debt | ₹78,070 Cr. |
| Reserves | ₹8,424 Cr. |
| EPS | ₹20.0 |
| EPS Last Year | ₹20.0 |
| Pledged Percentage | 6.70% |
| Free Cash Flow (FCF) | ₹1,156 Cr. |
| EV/EBITDA | 13.7 |
| Industry P/E | 12.7 |
| PEG Ratio | 0.19 |
| Piotroski Score | 6.00 |
| Earnings Yield | 7.30% |
| Sales Growth (5 Years) | 7.12% |
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Karur Vysya Bank Quarterly Results
| Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,405 | 1,409 | 1,474 | 1,579 | 1,695 | 1,768 | 1,883 | 1,997 | 2,139 | 2,185 |
| Interest | 717 | 699 | 728 | 758 | 806 | 876 | 986 | 1,082 | 1,138 | 1,189 |
| Expenses + | 627 | 614 | 624 | 718 | 882 | 847 | 741 | 743 | 833 | 1,051 |
| Financing Profit | 60 | 96 | 122 | 104 | 7 | 45 | 156 | 173 | 168 | -55 |
| Financing Margin % | 4% | 7% | 8% | 7% | 0% | 3% | 8% | 9% | 8% | -3% |
| Other Income + | 196 | 205 | 199 | 242 | 317 | 401 | 333 | 339 | 358 | 629 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 255 | 301 | 321 | 345 | 325 | 446 | 489 | 512 | 526 | 574 |
| Tax % | 27% | 29% | 29% | 28% | 11% | 24% | 27% | 26% | 22% | 20% |
| Net Profit + | 185 | 213 | 229 | 250 | 289 | 338 | 359 | 378 | 412 | 456 |
| EPS in Rs | 2.32 | 2.67 | 2.86 | 3.13 | 3.61 | 4.21 | 4.47 | 4.72 | 5.12 | 5.67 |
| Gross NPA % | 6.97% | 6.03% | 5.28% | 4.02% | 2.70% | 2.27% | 1.99% | 1.73% | 1.58% | 1.40% |
| Net NPA % | 2.55% | 2.31% | 1.93% | 1.38% | 0.90% | 0.74% | 0.59% | 0.47% | 0.42% | 0.40% |
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CAGR Report
| 10 Years | 5 Years | 3 Years | TTM/1 Year | |
|---|---|---|---|---|
| Compounded Sales Growth | 5% | 7% | 14% | 26% |
| Compounded Profit Growth | 14% | 50% | 65% | 45% |
| Stock Price CAGR | 9% | 20% | 52% | 79% |
| Return on Equity | 10% | 11% | 14% | 19% |
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|
| Promoters + | 2.07% | 2.08% | 2.08% | 2.11% | 2.13% | 2.28% | 2.24% | 2.20% |
| FIIs + | 0.00% | 0.00% | 18.12% | 0.00% | 0.00% | 15.35% | 17.93% | 15.38% |
| DIIs + | 41.76% | 40.19% | 23.68% | 44.39% | 41.74% | 21.88% | 30.80% | 36.22% |
| Government + | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% |
| Public + | 56.17% | 57.73% | 56.11% | 53.50% | 56.14% | 60.49% | 49.02% | 46.19% |
| No. of Shareholders | 96,146 | 1,37,837 | 1,43,538 | 1,43,455 | 1,74,149 | 2,02,252 | 2,09,188 | 2,45,953 |
| Year | Initial Target | Mid-Year Target | Year-End Target |
|---|---|---|---|
| 2024 | ₹197.45 | ₹233.89 | ₹255.75 |
| 2025 | ₹261 | ₹245 | ₹294 |
| 2026 | ₹300 | ₹282 | ₹336 |
| 2027 | ₹343 | ₹323 | ₹385 |
| 2028 | ₹393 | ₹369 | ₹440 |
| 2029 | ₹449 | ₹421 | ₹503 |
| 2030 | ₹513 | ₹481 | ₹574 |
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| Month | Target |
| January | ₹261 |
| February | ₹266 |
| March | ₹271 |
| April | ₹262 |
| May | ₹253 |
| June | ₹245 |
| July | ₹255 |
| August | ₹265 |
| September | ₹276 |
| October | ₹282 |
| November | ₹288 |
| December | ₹294 |
| Month | Target |
| January | ₹300 |
| February | ₹306 |
| March | ₹312 |
| April | ₹302 |
| May | ₹292 |
| June | ₹282 |
| July | ₹293 |
| August | ₹305 |
| September | ₹317 |
| October | ₹323 |
| November | ₹329 |
| December | ₹336 |
| Month | Target |
| January | ₹343 |
| February | ₹350 |
| March | ₹357 |
| April | ₹345 |
| May | ₹334 |
| June | ₹323 |
| July | ₹336 |
| August | ₹349 |
| September | ₹363 |
| October | ₹370 |
| November | ₹377 |
| December | ₹385 |
| Month | Target |
| January | ₹393 |
| February | ₹401 |
| March | ₹409 |
| April | ₹395 |
| May | ₹382 |
| June | ₹369 |
| July | ₹384 |
| August | ₹399 |
| September | ₹415 |
| October | ₹423 |
| November | ₹431 |
| December | ₹440 |
| Month | Target |
| January | ₹449 |
| February | ₹458 |
| March | ₹467 |
| April | ₹451 |
| May | ₹436 |
| June | ₹421 |
| July | ₹438 |
| August | ₹456 |
| September | ₹474 |
| October | ₹483 |
| November | ₹493 |
| December | ₹503 |
| Month | Target |
| January | ₹513 |
| February | ₹523 |
| March | ₹533 |
| April | ₹515 |
| May | ₹498 |
| June | ₹481 |
| July | ₹500 |
| August | ₹520 |
| September | ₹541 |
| October | ₹552 |
| November | ₹563 |
| December | ₹574 |
Official Website –kvb.co.in