KTKBANK - Karnataka Bank Ltd. Share Price

Banks

₹171.99-1.66(-0.96%)

Market Closed as of Aug 8, 2025, 15:25 IST

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Valuation
Market Cap	6.59 kCr
Price/Earnings (Trailing)	5.69
Price/Sales (Trailing)	0.64
EV/EBITDA	0.9
Price/Free Cashflow	31.44
MarketCap/EBT	4.01
Enterprise Value	6.59 kCr

Fundamentals
Revenue (TTM)	10.28 kCr
Rev. Growth (Yr)	2.3%
Earnings (TTM)	1.27 kCr
Earnings Growth (Yr)	-7.9%

Profitability
Operating Margin	18%
EBT Margin	16%
Return on Equity	1.05%
Return on Assets	1.05%
Free Cashflow Yield	3.18%

Price to Sales Ratio

Latest reported: 1

Revenue (Last 12 mths)

Latest reported: 1 kCr

Net Income (Last 12 mths)

Latest reported: 1 kCr

Growth & Returns
Price Change 1W	-3.5%
Price Change 1M	-9.8%
Price Change 6M	-3.6%
Price Change 1Y	-20.6%
3Y Cumulative Return	33.2%
5Y Cumulative Return	32.6%
7Y Cumulative Return	6.5%
10Y Cumulative Return	5.1%

Cash Flow & Liquidity
Cash Flow from Investing (TTM)	-690.59 Cr
Cash Flow from Operations (TTM)	209.56 Cr
Cash Flow from Financing (TTM)	412.07 Cr
Free Cash Flow (TTM)	209.56 Cr
Free Cash Flow/Share (TTM)	5.54

Balance Sheet
Total Assets	1.21 LCr
Shareholder Equity	1.21 LCr

Capital Structure & Leverage
Debt Ratio	0.00
Debt/Equity	0.00
Interest Coverage	-0.71
Interest/Cashflow Ops	1.04

Dividend & Shareholder Returns
Dividend/Share (TTM)	5.5
Dividend Yield	2.87%
Shares Dilution (1Y)	0.10%
Shares Dilution (3Y)	21.4%

Risk & Volatility
Max Drawdown	-19.6%
Drawdown Prob. (30d, 5Y)	26.92%
Risk Level (5Y)	44.1%

Pros

Dividend: Dividend paying stock. Dividend yield of 2.87%.

Past Returns: Outperforming stock! In past three years, the stock has provided 33.2% return compared to 12% by NIFTY 50.

Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.

Technicals: Bullish SharesGuru indicator.

Size: Market Cap wise it is among the top 20% companies of india.

Profitability: Recent profitability of 12% is a good sign.

Balance Sheet: Strong Balance Sheet.

Cons

Momentum: Stock is suffering a negative price momentum. Stock is down -9.8% in last 30 days.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Investor Care
Dividend Yield	2.87%
Dividend/Share (TTM)	5.5
Shares Dilution (1Y)	0.10%

Financial Health
Debt/Equity	0.00

Technical Indicators
RSI (14d)	9.25
RSI (5d)	19.05
RSI (21d)	18.53
MACD Signal	Sell
Stochastic Oscillator Signal	Buy
Grufity Signal	Buy
RSI Signal	Buy
RSI5 Signal	Buy
RSI21 Signal	Buy
SMA 5 Signal	Sell
SMA 10 Signal	Sell
SMA 20 Signal	Sell
SMA 50 Signal	Sell
SMA 100 Signal	Sell

Summary of Latest Earnings Report from Karnataka Bank

Summary of Karnataka Bank's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.

Earnings Outlook

Last updated:

Q&A Session

Last updated:

Revenue Breakdown

Analysis of Karnataka Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.

Revenue

Last Updated: Mar 31, 2025

Description	Share	Value
Retail Banking	48.3%	1.3 kCr
Corporate Banking	30.2%	806.4 Cr
Treasury Operations	16.9%	451.3 Cr
Other Banking Operations	4.5%	121.2 Cr
Total		2.7 kCr

Share Holdings

Understand Karnataka Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Major Shareholders

Share Holding Details

Shareholder Name	Holding %
QUANT MUTUAL FUND - QUANT SMALL CAP FUND	3.9%
HDFC LIFE INSURANCE COMPANY LIMITED (VARIOUS SCHEMES)	3.59%
POLAR CAPITAL FUNDS PLC - EMERGING MARKET STARS FUND	3.44%
B SUMANTHKUMAR REDDY	2.17%
BANDHAN SMALL CAP FUND (VARIOUS SCHEMES)	1.89%
BAJAJ ALLIANZ LIFE INSURANCE COMPANY LTD.	1.55%
ANIL KUMAR GOEL	1.51%
MADANLAL JAWANMALJI JAIN	1.32%
VAIPAN ADVISORS PRIVATE LIMITED	1.02%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Is Karnataka Bank Better than it's peers?

Detailed comparison of Karnataka Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
FEDERALBNK	Federal Bank	48.17 kCr	32.68 kCr	-7.10%	+2.90%	12.42	1.47	-	-
KARURVYSYA	Karur Vysya Bank	21.05 kCr	11.51 kCr	-3.70%	+21.60%	11.12	1.83	-	-
RBLBANK	RBL Bank	16.42 kCr	18.06 kCr	+7.90%	+25.80%	22.35	0.91	-	-
CUB	City Union Bank	15.97 kCr	7 kCr	+0.10%	+31.50%	14.01	2.28	-	-
SOUTHBANK	South Indian Bank	7.65 kCr	11.55 kCr	-3.00%	+16.50%	5.87	0.66	-	-

Sector Comparison: KTKBANK vs Banks

Comprehensive comparison against sector averages

Comparative Metrics

KTKBANK metrics compared to Banks

Category	KTKBANK	Banks
PE	5.69	25.74
PS	0.64	3.85
Growth	6.9 %	10 %

Performance Comparison

KTKBANK vs Banks (2021 - 2025)

Key Insights

1. KTKBANK is NOT among the Top 10 largest companies in Private Sector Bank.
2. The company holds a market share of 0.7% in Private Sector Bank.
3. In last one year, the company has had a below average growth that other Private Sector Bank companies.

Income Statement for Karnataka Bank

Consolidated figures (in Rs. Crores) / View Standalone Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Interest or discount on advances or bills	7.4%	7,009	6,525	5,585	4,738	4,937	-
Revenue on investments	-2.3%	1,466	1,500	1,422	1,310	1,142	-
Interest on balances with RBI and others	135.3%	41	18	1.58	32	30	-
Other interest	95.3%	497	255	211	142	123	-
Total interest earned	8.6%	9,014	8,298	7,220	6,222	6,232	-
Other income	-3.7%	1,270	1,319	993	954	1,495	-
Total income	6.9%	10,283	9,617	8,213	7,176	7,727	-
Total expenditure	13.4%	8,456	7,454	6,005	5,542	5,728	-
Interest expended	14.1%	5,703	5,000	4,035	3,731	4,049	-
Employees cost	12.2%	1,550	1,382	1,073	1,016	913	-
Other operating expenses	12.1%	1,202	1,072	897	795	766	-
Operating expenses	12.1%	2,752	2,454	1,970	1,812	1,679	-
Operating profit	-15.5%	1,828	2,164	2,208	1,633	1,999	-
Provisions other than tax and contingencies	-69.2%	186	601	767	939	1,387	-
Profit before tax	5%	1,641	1,563	1,440	694	612	-
Tax expense	43.9%	368	256	261	186	129	-
Profit after tax	-2.6%	1,273	1,307	1,180	508	482	-
Net profit (loss) for the period	-2.6%	1,273	1,307	1,180	508	482	-
Reserve excluding revaluation reserves	-	11,208	-	-	-	-	-
CET 1 ratio	4.4%	0.1985	0.1617	0.1745	0.1566	0.1485	-
Gross non performing assets	-6.8%	2,402	2,578	2,293	2,251	2,588	-
Non performing assets	-11%	1,005	1,129	1,021	1,377	1,642	-
Return on assets	-0.2%	0.0106	0.0122	0.0121	056	057	-

Description	(%) Q/Q	Mar-2025	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023
Interest or discount on advances or bills	0.3%	1,765	1,759	1,770	1,715	1,733	1,657
Revenue on investments	9.5%	380	347	356	383	383	383
Interest on balances with RBI and others	-79.8%	4.64	19	13	4.75	0.66	4.43
Other interest	-7.7%	109	118	95	175	84	68
Total interest earned	0.7%	2,258	2,243	2,234	2,278	2,201	2,113
Other income	41.3%	422	299	270	279	419	326
Total income	5.4%	2,680	2,542	2,504	2,557	2,620	2,439
Total expenditure	9.3%	2,305	2,109	2,043	1,998	2,120	1,898
Interest expended	1.9%	1,478	1,450	1,401	1,375	1,367	1,285
Employees cost	52.8%	528	346	353	323	440	339
Other operating expenses	-4.5%	299	313	290	301	314	274
Operating expenses	25.5%	827	659	643	624	754	613
Operating profit	-13.4%	375	433	461	559	500	540
Provisions other than tax and contingencies	-63.9%	31	84	31	40	185	144
Profit before tax	-1.4%	344	349	429	518	315	396
Tax expense	40%	92	66	93	118	41	65
Profit after tax	-11%	253	284	336	400	274	331
Net profit (loss) for the period	-11%	253	284	336	400	274	331
Reserve excluding revaluation reserves	-	-	-	-	-	9,965	-
CET 1 ratio	2.7%	0.1985	0.1764	0.1758	0.1764	0.1617	0.1588
Gross non performing assets	-0.7%	2,402	2,419	2,415	2,668	2,578	2,537
Non performing assets	-5.6%	1,005	1,064	1,083	1,228	1,129	1,060
Return on assets	-	081	0	0	0.0138	096	0.0121

Standalone figures (in Rs. Crores) / View Consolidated Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Interest or discount on advances or bills	7.4%	7,009	6,525	5,585	4,738	4,937	5,156
Revenue on investments	-2.3%	1,466	1,500	1,422	1,310	1,142	1,160
Interest on balances with RBI and others	135.3%	41	18	1.58	32	30	45
Other interest	95.3%	497	255	211	142	123	114
Total interest earned	8.6%	9,014	8,298	7,220	6,222	6,232	6,475
Other income	-3.7%	1,270	1,319	993	954	1,495	1,396
Total income	6.9%	10,283	9,617	8,213	7,176	7,727	7,871
Total expenditure	13.4%	8,456	7,454	6,005	5,542	5,728	6,214
Interest expended	14.1%	5,703	5,000	4,035	3,731	4,049	4,444
Employees cost	12%	1,538	1,373	1,069	1,015	913	897
Other operating expenses	12.3%	1,214	1,081	900	796	766	873
Operating expenses	12.2%	2,753	2,454	1,969	1,811	1,679	1,770
Operating profit	-15.5%	1,827	2,163	2,208	1,634	1,999	1,657
Provisions other than tax and contingencies	-69.2%	186	601	767	939	1,387	1,135
Profit before tax	5%	1,641	1,563	1,441	695	612	522
Tax expense	43.9%	368	256	261	186	129	90
Profit after tax	-2.6%	1,272	1,306	1,180	509	483	432
Net profit (loss) for the period	-2.6%	1,272	1,306	1,180	509	483	432
Reserve excluding revaluation reserves	-	11,208	-	-	-	-	-
CET 1 ratio	4.4%	0.1985	0.1617	0.1745	0.1566	0.1485	0.1266
Gross non performing assets	-6.8%	2,402	2,578	2,293	2,251	2,588	2,800
Non performing assets	-11%	1,005	1,129	1,021	1,377	1,642	1,755
Return on assets	-0.2%	0.0105	0.0122	0.0121	056	057	053

Description	(%) Q/Q	Mar-2025	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023
Interest or discount on advances or bills	0.3%	1,765	1,759	1,770	1,715	1,733	1,657
Revenue on investments	9.5%	380	347	356	383	383	383
Interest on balances with RBI and others	-79.8%	4.64	19	13	4.75	0.66	4.43
Other interest	-7.7%	109	118	95	175	84	68
Total interest earned	0.7%	2,258	2,243	2,234	2,278	2,201	2,113
Other income	46.7%	428	292	270	279	419	326
Total income	6%	2,687	2,535	2,504	2,557	2,620	2,439
Total expenditure	10%	2,312	2,102	2,044	1,998	2,120	1,898
Interest expended	1.9%	1,478	1,450	1,401	1,375	1,367	1,285
Employees cost	53.5%	526	343	350	320	437	336
Other operating expenses	-0.3%	308	309	293	304	317	277
Operating expenses	28%	834	652	643	624	754	613
Operating profit	-13.4%	375	433	460	559	500	540
Provisions other than tax and contingencies	-63.9%	31	84	31	40	185	144
Profit before tax	-1.4%	344	349	429	518	315	396
Tax expense	40%	92	66	93	118	41	65
Profit after tax	-11.3%	252	284	336	400	274	331
Net profit (loss) for the period	-11.3%	252	284	336	400	274	331
Reserve excluding revaluation reserves	-	-	-	-	-	9,966	-
CET 1 ratio	2.7%	0.1985	0.1764	0.1758	0.1764	0.1617	0.1588
Gross non performing assets	-0.7%	2,402	2,419	2,415	2,668	2,578	2,537
Non performing assets	-5.6%	1,005	1,064	1,083	1,228	1,129	1,060
Return on assets	-	081	0	0	0.0138	096	0.0121

Balance Sheet for Karnataka Bank

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2025	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022
Total assets	-100%	120,960	1,161,100,000,000	116,083	105,855	99,057	97,963
Cash balances with RBI	1.8%	7,526	7,392	7,656	6,442	5,204	4,972
Investments	14.3%	24,535	21,459	24,300	23,956	23,325	23,757
Advances	3.5%	76,541	73,952	71,509	65,422	59,952	59,872
Fixed assets	4.8%	991	946	915	876	875	855
Other assets	-8.5%	10,909	11,916	11,367	8,715	8,746	8,461
Capital	0%	378	378	377	313	312	311
Reserves and surplus	4.8%	11,707	11,166	10,470	8,447	7,900	7,241
Deposits	4.8%	104,806	99,967	98,057	89,532	87,368	81,633
Borrowings	-20.2%	1,941	2,432	4,400	5,324	1,563	5,944
Other liabilities and provisions	-1.8%	2,129	2,167	2,779	2,239	1,914	2,833
Total capital and liabilities	4.2%	120,960	116,110	116,083	105,855	99,057	97,963

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2025	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022
Total assets	-100%	120,962	1,161,113,400,000	116,085	105,856	99,058	97,964
Cash balances with RBI	1.8%	7,526	7,392	7,656	6,442	5,204	4,972
Investments	14.3%	24,537	21,460	24,302	23,958	23,326	23,758
Advances	3.5%	76,541	73,952	71,509	65,422	59,952	59,872
Fixed assets	4.8%	991	946	915	875	875	855
Other assets	-8.4%	10,909	11,915	11,366	8,715	8,746	8,461
Capital	0%	378	378	377	313	312	311
Reserves and surplus	4.8%	11,707	11,167	10,471	8,449	7,901	7,242
Deposits	4.8%	104,807	99,968	98,058	89,532	87,368	81,634
Borrowings	-20.2%	1,941	2,432	4,400	5,324	1,563	5,944
Other liabilities and provisions	-1.8%	2,128	2,166	2,779	2,239	1,914	2,833
Total capital and liabilities	4.2%	120,962	116,111	116,085	105,856	99,058	97,964

Cash Flow for Karnataka Bank

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Profit Before Extraord. Items And Tax	5%	1,641	1,563	1,440	694	-	-
Finance costs	-101.4%	0	72	0	0	-	-
Depreciation	-	85	0	372	193	-	-
Total adjustments to profit/loss	203.5%	174	58	372	194	-	-
Change in trade receivables	-	0	0	0	-6,561.58	-	-
Adjustments for Provisions	-69.2%	186	601	767	939	-	-
Total adj. for working capital	-44.5%	-1,241.08	-858.77	324	-1,116.12	-	-
Net Cashflows From Operations	-24.7%	574	762	2,137	-228.4	-	-
Income taxes paid (refund)	-9%	364	400	307	239	-	-
Net Cashflows From Operating Activities	-42.1%	210	362	1,830	-467.45	-	-
Proceeds from sales of tangible assets	-	1.66	0	0	0.66	-	-
Purchase of tangible assets	45.9%	163	112	89	57	-	-
Proceeds from sales of intangible assets	-614.3%	0	0.86	1.79	0	-	-
Other inflows/outflows of cash	-	-529.54	0	0	0	-	-
Net Cashflows From Investing Activities	-516.4%	-690.59	-111.2	-87.52	-56.44	-	-
Proceeds from issuing shares	-99.8%	4.22	1,485	6.51	1.75	-	-
Proceeds from borrowings	143.1%	616	254	99	-300.71	-	-
Dividends paid	33.5%	208	156	125	56	-	-
Net Cashflows From Financing Activities	-74%	412	1,582	-19.46	-354.92	-	-
Net change in cash and cash eq.	-103.8%	-68.96	1,833	1,723	-878.81	-	-

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Profit Before Extraord. Items And Tax	5%	1,641	1,563	1,441	695	-	-
Depreciation	18.3%	85	72	372	193	-	-
Total adjustments to profit/loss	203.5%	174	58	372	194	-	-
Change in trade receivables	-	0	0	0	-6,561.33	-	-
Adjustments for Provisions	-69.2%	186	601	767	939	-	-
Total adj. for working capital	-44.5%	-1,240.59	-858.4	324	-1,116.32	-	-
Net Cashflows From Operations	-24.7%	574	762	2,137	-227.99	-	-
Income taxes paid (refund)	-9%	364	400	307	239	-	-
Net Cashflows From Operating Activities	-42.1%	210	362	1,830	-467.03	-	-
Proceeds from sales of tangible assets	760%	1.66	0.9	1.79	0.66	-	-
Purchase of tangible assets	45.9%	163	112	89	57	-	-
Other inflows/outflows of cash	-	-529.54	0	0	0	-	-
Net Cashflows From Investing Activities	-516.9%	-690.55	-111.1	-87.41	-56.36	-	-
Proceeds from issuing shares	-99.8%	4.22	1,484	6.01	1.25	-	-
Proceeds from borrowings	143.1%	616	254	99	-300.71	-	-
Dividends paid	33.5%	208	156	125	56	-	-
Net Cashflows From Financing Activities	-74%	412	1,582	-19.96	-355.42	-	-
Net change in cash and cash eq.	-103.8%	-68.96	1,833	1,723	-878.81	-	-

What does Karnataka Bank Ltd. do?

Private Sector Bank•Financial Services•Small Cap

The Karnataka Bank Limited provides various banking and financial services in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The Corporate/Wholesale Banking segment provides various fund and non-fund-based products, including term loans, working capital facilities, foreign exchange services, structured finance, and trade financing products. The Retail Banking segment offers home, automobile, personal, and education loans; loans against term deposits; loans against securities; and gold, small business, and agriculture loans to agriculture, MSME, housing, and education sectors. Its products include KBL Contractor Mitra, KBL Micro Mitra, KBL Export Mitra, KBL MSME, as well as KBL Mahila Udyog for financial support of women entrepreneurs. The Treasury segment engages in statutory reserves management, such as SLR and CRR; liquidity management; investment and trading activities; and foreign exchange activities. It also invests in sovereign debt instruments and other fixed income securities; mutual funds; certificates of deposits; floating rate instrument; forward contracts; and trades debt and equity securities, and foreign exchange. The Other Banking Operations segment offers a range of ancillary products and services, including depository; online trading; ASBA, locker, and safe custody facilities; bill payment; online and off-line fee collection; mobile and internet banking; and payment and remittance services, as well as FASTag services. It provides its services through physical banking channels, digital channels, including inter alia, internet and mobile banking, and e-lobbies. In addition, the company distributes insurance products. The Karnataka Bank Limited was incorporated in 1924 and is based in Mangalore, India.

Industry Group:Banks

Employees:8,900

Website:www.karnatakabank.com

KTKBANK - Karnataka Bank Ltd. Share Price

Valuation

Fundamentals

Profitability

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

Growth & Returns

Cash Flow & Liquidity

Balance Sheet

Capital Structure & Leverage

Dividend & Shareholder Returns

Risk & Volatility

Investor Care

Financial Health

Technical Indicators

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

What does Karnataka Bank Ltd. do?