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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.
Margin of Safety - Difference from MRP to reduce risk.
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X

Karur Vysya Bank Ltd.

Small Cap

Evaluated by 2527 users |

BSE

: 590003 |

NSE

: KARURVYSYA |

Bank - Private

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1. Right Stock
2. Right Price
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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.)5657679171,1581,2841,4661,7812,0742,2982,363
Y-o-Y Gr. Rt.-35.8%19.6%26.3%10.8%14.2%21.5%16.4%10.8%2.8%
Total Income2,0052,4823,6214,6955,6805,9776,1506,4056,6006,779
Y-o-Y Gr. Rt.-23.8%45.9%29.7%21%5.2%2.9%4.1%3.1%2.7%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
5.947.457.938.76.796.357.898.424.322.64
Y-o-Y Gr. Rt.-25.4%6.4%9.7%-22%-6.5%24.3%6.7%-48.7%-38.9%
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
28.6337.9142.8148.7352.1559.0463.577078.3780.35
Y-o-Y Gr. Rt.-32.4%12.9%13.8%7%13.2%7.7%10.1%12%2.5%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)1.721.661.521.30.870.871.0110.540.31
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 (%)0.230.070.330.370.410.70.552.534.164.98
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 Income17.2%13%9.9%2.8%
Total Income14.5%3.6%3.3%2.7%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-8.6%-17.2%-30.6%-38.9%
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
12.2%9%8.1%2.5%
Share Price -2.1% -8.3% -9.4% -28.7%
 
RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Interest Earned / Total Income87.6889.3590.3390.3690.0690.2888.5187.7986.3685.8
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.652.812.512.572.572.863.163.453.543.52
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)22.6322.2620.8119.0113.4612.0912.8812.616.123.32
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 23.5323.2819.1619.2520.5422.0223.3127.7329.1429.92
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Overall Corporate Governance
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)
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)
Corporate Governance
Corporate Governance
This refers to a set of processes or laws that affects the way a company is directed and controlled.
Board Credentials
Board credentials
This refers to the skill sets (qualification, experience, etc.) that the management team of a company possesses.
Promoter's holding
Promoter's holding
This refers to the stake that the promoters hold in a company and proportion of shares pledged.
Transparency
Transparency
Transparency refers to the practices that a company follows in the disclosure of important and necessary information.
Integrity
Integrity
Integrity refers to the application of honest and fair business practices.
Percentage Holding
2.10%
43.87%
54.04%
Pledged *8.748.659.009.008.858.858.857.036.666.666.666.6721.2721.2621.8121.6723.7821.3320.6320.03
*  Pledged shares as % of Promoter's holding (%)
 
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