AI Summary
✦ ClarthaPrice Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
From 20 analysts
Fundamentals
Fundamentals institutional score is 56 using growth durability 56.4.
Valuation
Valuation institutional score is 31 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 64 using mean target upside 15.4%; dispersion penalty 17.8; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 85 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is balanced or not decisive enough to tilt the tape. Based on 4 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. technical structure provide support, while valuation remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Trading 23.7% above historical median. Valuation is stable — currently in the strongly overvalued zone (z-score: +1.08). Confidence: 78%.
Live forward EPS implies next-12-month EPS of ₹23.28. Applying the stock's normalized valuation corridor produces a fair range of ₹95.91 to ₹132.00, with base value near ₹111.98 (-14.1% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹23.28
Forward P/E
5.6x
Base Fair Value
₹111.98
Fair Range
₹95.91 - ₹132.00
Upside To Base
-14.1%
Estimate Source
Live forward EPS
Growth Estimate
+62.2%
5Y Average
1.00
Current
1.00
Overvalued
1.15
Undervalued
0.85
5Y Average
3.78
Current
5.95
Overvalued
5.67
Undervalued
4.12
5Y Average
1.63
Current
2.57
Overvalued
1.87
Undervalued
1.38
Peers & Comparison
Sector: Financials · Theme: Public Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
PUNJAB NATIONAL BANK PNBPublic Banks | +15.2% | 38.1% | 5.9x Undervalued | -28% vs avg | +6.5% |
INDIAN BANK INDIANBPublic Banks | +10.3% | 36.4% | 9.2x Fair | +12% vs avg | +32.5% |
UNION BANK OF INDIA UNIONBANKPublic Banks | — | 40.5% | 6.9x Undervalued | -16% vs avg | +33.6% |
BANK OF BARODA BANKBARODAPublic Banks | +18.0% | 27.4% | 7.1x Fair | -13% vs avg | +1.9% |
BANK OF MAHARASHTRA MAHABANKPublic Banks | +21.8% | 53.4% | 8.1x Fair | -1% vs avg | +41.7% |
BANK OF INDIA BANKINDIAPublic Banks | +18.5% | 35.0% | 5.4x Undervalued | -34% vs avg | +24.2% |
INDIAN OVERSEAS BANK IOBPublic Banks | +48.1% | 36.6% | 11.6x Premium | +41% vs avg | -6.4% |
UCO BANK UCOBANKPublic Banks | +53.0% | 21.5% | 11.7x Premium | +43% vs avg | -7.8% |
CANARA BANK trades at a discount (6.1x vs peer avg 8.2x), suggesting potential undervaluation relative to the Public Banks cohort. Peers include PUNJAB NATIONAL BANK, INDIAN BANK, UNION BANK OF INDIA — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹32.96K CrJun 2026Latest net profit
₹4.86K CrJun 2026Free cash flow
₹5.44K CrMar 2026Net Profit
₹4.86K CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 25,004 | 26,838 | 28,039 | 28,807 | 28,701 | 29,740 | 30,312 | 31,002 | 31,003 | 31,544 | 31,982 | 31,838 | 32,957 |
| Interest | 16,338 | 17,935 | 18,622 | 19,227 | 19,535 | 20,425 | 21,163 | 21,560 | 21,994 | 22,403 | 22,729 | 22,030 | 22,742 |
| Expenses + | 8,600 | 8,530 | 8,806 | 9,892 | 9,151 | 8,894 | 9,512 | 9,341 | 9,867 | 9,961 | 10,447 | 8,867 | 10,387 |
| Financing Profit | 66 | 373 | 612 | -312 | 15 | 422 | -364 | 101 | -858 | -820 | -1,194 | 941 | -171 |
| Financing Margin % | 0% | 1% | 2% | -1% | 0% | 1% | -1% | 0% | -3% | -3% | -4% | 3% | -1% |
| Other Income + | 4,819 | 4,634 | 4,295 | 5,218 | 5,319 | 4,981 | 5,802 | 6,351 | 7,060 | 7,054 | 7,899 | 4,824 | 6,727 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 4,885 | 5,008 | 4,907 | 4,906 | 5,334 | 5,403 | 5,438 | 6,452 | 6,202 | 6,234 | 6,705 | 5,766 | 6,556 |
| Tax % | 28% | 28% | 25% | 23% | 27% | 26% | 25% | 22% | 23% | 23% | 23% | 22% | 26% |
| Net Profit + | 3,535 | 3,606 | 3,656 | 3,757 | 3,905 | 4,015 | 4,104 | 5,003 | 4,752 | 4,774 | 5,155 | 4,506 | 4,856 |
| EPS in Rs | 3.90 | 3.98 | 4.03 | 4.14 | 4.31 | 4.43 | 4.52 | 5.52 | 5.24 | 5.26 | 5.68 | 4.97 | 5.35 |
| Gross NPA % | 5.15% | 4.76% | 4.39% | 4.23% | 4.14% | 3.73% | 3.34% | 2.94% | 2.69% | 2.35% | 2.08% | 1.84% | 1.57% |
| Net NPA % | 1.57% | 1.41% | 1.32% | 1.27% | 1.24% | 0.99% | 0.89% | 0.70% | 0.63% | 0.54% | 0.45% | 0.43% | 0.36% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Earnings Call Transcript