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This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
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X

The Karnataka Bank Ltd.

Small Cap

Evaluated by 2741 users |

BSE

: 532652 |

NSE

: KTKBANK |

Bank - Private

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Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Consolidated basis
 Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Net Interest Income (Rs. Cr.)2686127329041,0561,1691,3031,4911,8581,905
Y-o-Y Gr. Rt.-128.4%19.5%23.4%16.9%10.7%11.5%14.4%24.6%2.6%
Total Income2,3552,6633,4474,1624,6945,2055,5355,9956,3786,908
Y-o-Y Gr. Rt.-13.1%29.5%20.7%12.8%10.9%6.3%8.3%6.4%8.3%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
9.378.8610.6515.0513.4519.5117.951611.5216.89
Y-o-Y Gr. Rt.--5.4%20.2%41.3%-10.6%45.1%-8%-10.9%-28%46.6%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
102.26104.91112.2123.39131.81146.36159.39166.98176.71190.12
Y-o-Y Gr. Rt.-2.6%7%10%6.8%11%8.9%4.8%5.8%7.6%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.670.70.720.890.70.910.770.750.480.64
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)1.311.622.111.511.911.982.352.642.962.95
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income24.3%12.5%13.5%2.6%
Total Income12.7%8%7.7%8.3%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
6.8%4.7%-2%46.6%
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
7.1%7.6%6.1%7.6%
Share Price -5.7% -6.6% -15.7% -36.7%
 
RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Interest Earned / Total Income83.9289.0489.9690.4589.2390.2690.1986.585.0485.5
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)1.021.992.072.232.32.422.452.472.82.55
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)9.889.639.8112.7810.5414.0311.7410.766.79.21
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 23.2624.8824.5624.9125.424.9426.2729.0427.9828.06
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What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Percentage Holding
28.11%
71.89%
Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)
 
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