AI Summary
✦ ClarthaKarur Vysya Bank is an Indian private-sector bank serving personal and corporate customers. Corporate and Wholesale Banking drives business lending, while Retail Banking supports advances to individuals and smaller enterprises. Treasury contributes through government securities, debt instruments, foreign exchange, derivatives, and investment activities. Revenue grew 15.3% year-on-year, while profit increased 29.3%, with stable margins and no major reported catalyst. Stable margins alongside faster profit growth indicate operating leverage or lower credit costs, though ROE is unavailable for assessing capital efficiency. Debt-to-equity is also unavailable, preventing a leverage-based ROE interpretation. At 11.8 times earnings, the stock appears undervalued versus many private-bank peers, assuming asset quality remains controlled. The key open question is whether growth can continue without sacrificing spreads or increasing credit costs.
Price 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 89 using growth durability 89.0.
Valuation
Valuation institutional score is 10 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 67 using mean target upside 9.8%; dispersion penalty 12.6; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 97 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
This data source has not been supplied for the decision payload.
Signal Summary
Market intelligence remains Neutral. fundamentals and analyst consensus 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 84.7% above historical median. Valuation is rising — currently in the strongly overvalued zone (z-score: +2.3). Confidence: 70%.
Live forward EPS implies next-12-month EPS of ₹32.94. Applying the stock's normalized valuation corridor produces a fair range of ₹183.15 to ₹282.63, with base value near ₹210.82 (-36.3% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹32.94
Forward P/E
10.1x
Base Fair Value
₹210.82
Fair Range
₹183.15 - ₹282.63
Upside To Base
-36.3%
Estimate Source
Live forward EPS
Growth Estimate
+45.0%
5Y Average
1.99
Current
2.27
Overvalued
2.29
Undervalued
1.69
5Y Average
5.27
Current
11.82
Overvalued
8.58
Undervalued
5.56
5Y Average
2.18
Current
4.82
Overvalued
2.89
Undervalued
1.18
Peers & Comparison
Sector: Financials · Theme: Private Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
IDBI BANK LIMITED IDBIPrivate Banks | — | 48.6% | 9.6x Undervalued | -55% vs avg | -6.3% |
FEDERAL BANK LTD FEDERALBNKPrivate Banks | +21.4% | 30.7% | 19.2x Fair | -11% vs avg | +81.1% |
CITY UNION BANK LTD CUBPrivate Banks | +23.3% | 37.8% | 15.3x Undervalued | -29% vs avg | +35.2% |
THE SOUTH INDIAN BANK LTD SOUTHBANKPrivate Banks | +8.6% | 29.4% | 8.0x Undervalued | -63% vs avg | +59.9% |
J & K BANK LTD. J&KBANKPrivate Banks | — | 34.2% | 7.4x Undervalued | -66% vs avg | +52.4% |
YES BANK LIMITED YESBANKPrivate Banks | +19.8% | 23.2% | 19.0x Fair | -12% vs avg | +20.9% |
IDFC FIRST BANK LIMITED IDFCFIRSTBPrivate Banks | -1.1% | 32.8% | 32.9x Premium | +53% vs avg | +21.4% |
INDUSIND BANK LIMITED INDUSINDBKPrivate Banks | +1.0% | 7.6% | 60.5x Premium | +181% vs avg | +30.5% |
KARUR VYSYA BANK LTD trades at a discount (11.7x vs peer avg 21.5x), suggesting potential undervaluation relative to the Private Banks cohort. Peers include IDBI BANK LIMITED, FEDERAL BANK LTD, CITY UNION BANK LTD — 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
₹3.05K CrJun 2026Latest net profit
₹756 CrJun 2026Free cash flow
₹-683 CrMar 2026Net Profit
₹756 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 + | 1,883 | 1,997 | 2,139 | 2,187 | 2,285 | 2,387 | 2,489 | 2,516 | 2,569 | 2,808 | 2,794 | 2,904 | 3,049 |
| Interest | 986 | 1,082 | 1,138 | 1,189 | 1,260 | 1,324 | 1,407 | 1,427 | 1,489 | 1,547 | 1,555 | 1,545 | 1,627 |
| Expenses + | 741 | 743 | 833 | 1,051 | 800 | 896 | 878 | 925 | 839 | 1,030 | 848 | 985 | 859 |
| Financing Profit | 156 | 173 | 168 | -53 | 225 | 167 | 203 | 164 | 240 | 231 | 392 | 373 | 564 |
| Financing Margin % | 8% | 9% | 8% | -2% | 10% | 7% | 8% | 7% | 9% | 8% | 14% | 13% | 18% |
| Other Income + | 333 | 339 | 358 | 626 | 388 | 469 | 465 | 509 | 447 | 512 | 509 | 616 | 442 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 489 | 512 | 526 | 574 | 613 | 636 | 668 | 674 | 687 | 743 | 901 | 989 | 1,005 |
| Tax % | 27% | 26% | 22% | 20% | 25% | 26% | 26% | 24% | 24% | 23% | 23% | 27% | 25% |
| Net Profit + | 359 | 378 | 412 | 456 | 459 | 474 | 496 | 513 | 521 | 574 | 690 | 725 | 756 |
| EPS in Rs | 3.72 | 3.93 | 4.27 | 4.73 | 4.75 | 4.90 | 5.14 | 5.31 | 5.40 | 5.94 | 7.14 | 7.50 | 7.82 |
| Gross NPA % | 1.99% | 1.73% | 1.58% | 1.40% | 1.32% | 1.10% | 0.83% | 0.76% | 0.66% | 0.76% | 0.71% | 0.75% | 0.74% |
| Net NPA % | 0.59% | 0.47% | 0.42% | 0.40% | 0.38% | 0.28% | 0.20% | 0.20% | 0.19% | 0.19% | 0.19% | 0.19% | 0.19% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).