The Karnataka Bank Limited

BSE

KTKBANK

Stock

Yield per half year: +12.63%
Dividend yield: 2.21%
Sector: Financials

Reporting The Karnataka Bank Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
Капитализация, млрд ₹			46.47	36.93	30.84							47.32	38.08	-12.77
Выручка, млрд ₹			22.96	27.15	28.78	34.29	35.84	34.46	41.78	46.18	45.8	46.18	40.81	5.03
Чистая прибыль, млрд ₹			4.52	3.26	4.77	4.32	4.82	5.08	11.8	13.07	12.73	13.07	9.50	21.44
EV, млрд ₹			30.39	13.25	28								23.88	-2.69
Баланс стоимость, млрд ₹			51.43	54.1	57.85	59.7	66.42	70.94	82.13	108.48	120.85	108.48	89.76	12.72
FCF, млрд ₹				6.29	-23	-1.47	32.81	-5.24	17.41	2.5	0.4685	2.5	9.59	-57.25
Операционный денежный поток, млрд ₹			-62.77	-50.97	-66.34	-34.57	23.97	-55.84	-73.06	3.62	2.1	3.62	-19.8420	-38.55
Операционная прибыль, млрд ₹	5.59	5.28	4.68	3.1	6.08								4.95	1.69
Операционные расходы, млрд ₹	9.02	9.91	12.99	13.24	15.08								12.05	10.83
CAPEX, млрд ₹			0.4118	0.9155	0.6917	0.5753	0.8762	0.566	0.8881	1.12	1.63	1.12	1.02	13.22

	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q3	2021Q1	2021Q3	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Капитализация, млрд ₹	48.02				32.11				22.93																34.35	-21.84
Выручка, млрд ₹															10.39	12.55	11.39	10.72	11.54	12.61	11.82	11.03	10.92	12.02	11.68	-0.95
Чистая прибыль, млрд ₹															3.01	3.54	3.71	3.3	3.31	2.74	4	3.36	2.84	2.53	3.09	-1.58
EV, млрд ₹														33.72											33.72	0.00
Баланс стоимость, млрд ₹										64.76	66.42	68.18	70.94	75.52		82.13		87.6		108.48		115.44		120.85	102.90	8.03
Операционная прибыль, млрд ₹	1.26	-0.6642	1.47	1.63	1.91	1.06	1.49	1.51	1.87																1.57	-0.42
Операционные расходы, млрд ₹	3.24	3.61	3.09	3.13	3.89	4.98	3.89	3.94	4.08																4.16	0.96

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
Наличность, млрд ₹			32.74	36.01	36.1	29.19	53.16	44.37	61.59	163.36	79.84	163.36	80.46	8.47
Long term investments ₹	140.32	162.57	202.2	154.44	161.85	175.45	216.35	211.9	233.26				199.76	7.58
Total Current Assets ₹	36.95	42.01	43.53	48.86	47.97	39.88	64.1	61.74	76.31			76.31	58.00	9.73
Чистые активы, млрд ₹	2.92	3.07	7.21	7.62	7.75	8.26	8.38	8.18	8.75			8.75	8.26	2.46
Активы, млрд ₹			641.27	703.74	790.46	833.13	855.81	920.4	990.58	1 160.83	1 209.6	1 160.83	1027.44	7.16
Short Term Debt ₹	10.38	10.51	8.33	4.17	14.88								9.65	7.47
Long Term Debt ₹	10.38	10.51	8.33	8.16	18.37								11.15	12.09
Задолженность, млрд ₹			589.84	649.64	732.61	773.43	789.39	849.46	908.45	1 052.36	1 088.76	1 052.36	937.68	6.64
Долг, млрд ₹	20.76	21.03	16.65	12.33	33.26							15.63	20.81	9.89
Interest income ₹			51.85	54.24	59.06	64.75	62.32	62.22	72.2				64.11	4.10
Расходы на обслуживание долга ₹					40.01	44.44	40.49	37.31	40.35	50	57.03	50	45.04	7.09
Чист. проц. доходы, млрд ₹			14.91	18.58	19.05	20.3	21.83	24.91	31.85	82.99		72.2	36.38	32.53
Товарно материальные запасы ₹	0.0186	0.0219	0.2473	0.1496	0.1961	0.1961	0.1732	0.0613	0.0379			0.0379	0.1329	-28.02

	2017Q4	2018Q1	2018Q2	2018Q3	2019Q1	2019Q3	2020Q1	2020Q3	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Наличность, млрд ₹								31.37	53.16	40.59		44.37		50.17		61.59		68.86		163.36		78.37		79.84	90.40	5.33
Long term investments ₹					161.85	179.35	175.45	199.55	216.35	228.5		211.9		237.57		233.26		239.56							230.16	0.95
Total Receivables ₹				2.02	1.98	3.83																			2.61	23.77
Total Current Assets ₹		48.86		32.89	47.97	38.53	39.88	31.37						50.17		76.31									47.25	14.65
Чистые активы, млрд ₹		7.62		7.58	7.75	7.73	8.26	8.43						8.55		8.75									8.34	2.51
Активы, млрд ₹								833.89	855.81	892.16		920.4		979.63		990.58		1 058.55		1 160.83		1 161.1		1 209.6	1116.13	4.08
Short Term Debt ₹	10.51	4.17	8.16	28.08	14.88																				13.16	7.20
Long Term Debt ₹		3.99		28.08	18.37	24.48																			18.73	57.38
Задолженность, млрд ₹								769.14	789.39	823.98		849.46		904.1		908.45		970.95		1 052.36		1 045.66		1 088.76	1013.24	3.69
Чистый долг, млрд ₹														9.27											9.27	0.00
Долг, млрд ₹		8.16		56.15	33.26																				32.52	59.74
Interest income ₹										15.54	15.65	15.79	16.29	17.71	18.51	19.69	19.59	20.27	21.13						19.84	2.68
Расходы на обслуживание долга ₹															10.16	11.09	11.44	12.04	12.85	13.67	13.75	14.01	14.5	14.78	14.14	1.57
Чист. проц. доходы, млрд ₹												6.57	6.88	8.03	8.35	8.6	8.15	8.22	8.28	22.01	22.78				13.89	22.82
Товарно материальные запасы ₹		0.1496			0.1961		0.1961									0.0379									0.1449	-29.05

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	17.02	10.47	15.35	13.89	10.08	16.33	37.81	34.64	33.68	34.64	26.51	27.29
Цена акции ао	151.8	112.05	72	57.75	61.55	152.5	234	214.3	205.5	205.5	173.57	27.27
Число акций ао, млн	310.86	310.87	310.87	310.87	310.87	311.16	312.02	377.25	377.94	377.25	337.85	3.98
FCF/акцию		20.24	-73.99	-4.73	105.53	-16.84	55.79	6.64	1.24	6.64	30.47	-58.88

	2017Q4	2018Q4	2019Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q3	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS					3.65	13.17	9.6	11.33	11.8	10.56	9.75	7.27	8.9	6.68		8.63	-8.75
Цена акции ао				62.07	63.23	74.48	126.97	144.07	141.12	219.67	229.24			177.25	205.5	194.56	7.81
Число акций ао, млн	310.86	310.87	310.87													310.87	0.00

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			8.79	6.02	8.25	7.23	7.26	7.4	15.41	13.71	11.1	13.71	13.90	10.98	8.86
ROA, %			0.7053	0.4627	0.6038	0.5183	0.5637	0.572	1.23	1.21	1.07	1.21	2.81	0.9291	13.68
ROIC, %	9.86	9.12	8.29	6.95	6.17								5.22	8.08	-8.95
ROS, %			19.7	12	16.58	12.59	13.46	14.74	28.24	28.3	28.3	28.3	59.46	22.61	16.02
ROCE, %											0	0	2.58
Ebit margin, %											0	0
Рентаб EBITDA, %											0	0	10.96
Чистая рентаб, %			19.7	12	16.58	12.59	13.46	14.74	28.24	28.3	27.79	28.3	59.46	22.51	15.60
Operation Margin, %	38.27	34.76	20.38	11.43	21.12				0	0	0	0	14.46	25.19	-11.21
Доходность FCF, %				17.04	-74.58									-28.7700	-309.21

	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q3	2021Q1	2021Q3	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %										1.84	0.4721	1.84	1.84	5.45		5.77		7.78		4.5		3.97		2.72		13.90	4.95	-13.96
ROA, %										0.1431	0.0366	0.1406	0.1415	0.42		0.7138		0.6239		0.2473		0.2896		0.2131		2.81	0.4175	-21.48
ROS, %																28.16	32.56	30.8	28.71	21.76	33.87	30.47	25.97	21.01	28.3	59.46	27.92	-3.53
Чистая рентаб, %															28.93	28.16	32.56	30.8	28.71	21.76	33.87	30.47	25.97	21.01		59.46	26.62	-0.70
Operation Margin, %	27.91	-22.57	32.25	34.29	32.98	14.33	20.13	18.7	20.56																	14.46	21.34	-9.02

Coefficients

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E			10.28	11.34	6.46	3.04	4.19	3.53	3.42	6.69	5.21	6.69	29.44	4.61	4.45
P/BV			0.9037	0.6826	0.5331	0.22	0.304	0.2524	0.4912	0.8058	0.5492	0.8058	3.11	0.4805	12.56
P/S			2.02	1.36	1.07	0.383	0.5634	0.5197	0.9657	1.89	1.45	1.89	12.17	1.08	20.81
P/FCF				5.87	-1.34				2.72	18.9	18.9	18.9	5.03	9.01	26.35
E/P			0.0973	0.0882	0.1547				0.2494	0.2761	0.2761	0.2761	0.10	0.2089	25.64
EV/EBIT										0	0	0
EV/S			1.32	0.4883	0.9728				0	0	0	0	8.39	0.9270	-9.67
EV/FCF				2.11	-1.22					0	0	0	-4.06	0.4450	-176.04
Debt/EBITDA									0	0	0	0	1.02
Netdebt/Ebitda									0	0	0	0	0.86
Debt/Ratio	0.04	0.0372	0.026	0.0175	0.0421				0.0158	0.0135	0.0135	0.0135	0.24	0.0205	-5.06
Debt/Equity	0.6124	0.5698	0.3238	0.228	0.5748				0	1.79	9.7	9.7	7.38	2.52	97.38
Debt/Net Income	4.6	5.06	3.68	3.79	6.97				1.32	1.2	1.2	1.2	12.45	2.90	-20.55
PEG											-0.5266	-0.5266		-0.5266	0.00
Бета									0.6527	1.03	2.71	2.71	1.15	1.46	60.73
Индекс Альтмана									0.1162	0.1045	0.1045	0.1045	1.07	0.1084	-3.48

	2017Q4	2018Q1	2018Q3	2018Q4	2019Q1	2019Q4	2021Q1	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2024Q1	2024Q3	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E						18.62	64.39	13.66	6.24	4.51	5.27	11.56	7.95	8.86	5.25		29.44	7.78	-0.08
P/BV						0.3855	0.304	0.3142	0.2524	0.3238	0.4912	0.9032	0.8058	0.7748	0.5492		3.11	0.7048	2.26
P/S						2.52	2.74	1.39	0.7275	1.24	1.74	3.39	2.15	2.44	1.36		12.17	2.22	-4.81
P/FCF																18.9	5.03	18.90	0.00
E/P	0.0182			0.0437		0.0537										0.2761	0.10	0.0979	97.36
Debt/Ratio		0.0116	0.0764		0.0421											0.0135	0.24	0.0359	3.86
Debt/Equity		0.1508	1.01		0.5748											9.7	7.38	2.86	183.20
Debt/Net Income		74.19	50.2		53.87											1.2	12.45	44.86	-64.34
PEG																-0.5266		-0.5266	0.00
Бета															2.43	2.71	1.15	2.57	5.60
Индекс Альтмана															0.1045	0.1045	1.07	0.1045	0.00

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд		1.13	1.12	1.36	0.8478	1.19	0.5596	1.25	1.56	2.08		2.08		1.33	11.82
Дивиденд	3.7	3.7	3.64	2.73	3.18		1.8	4	5	5.5		5.5		3.90	11.58
Див доход, ао, %		3.02	2.43	2.3	3.21	7.59	2.78	2.46	4.12	2.21		2.21	1.58	3.83	-21.87
Дивиденды / прибыль, %			24.86	41.75	17.77	27.62	11.6	11.02	10.56	11.97	16.32	11.97	17.85	12.29	7.07
Dividend Coverage Ratio											6.29	6.29		6.29	0.00

	2013Q2	2014Q3	2015Q3	2016Q3	2017Q3	2018Q3	2019Q3	2021Q3	2022Q3	2023Q3	2025Q2	Industry average	5 quarters average	CAGR 5
Дивиденд	2.96	2.96	3.7	3.7	3.64	2.73	3.18	1.8	4	5			3.34	12.87
Див доход, ао, %	2.1	2.31	2.77	2.47	2.37	2.38	3.73	2.89	5.37	2.28		1.58	3.33	-0.85
Dividend Coverage Ratio											6.29		6.29	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2021	2022	2023	2024	2025	LTM	CAGR 5
CAPEX/Выручка, %	2.45	1.64	2.13	2.42	3.55	2.42	7.70
Персонал, чел			8 652	8 689			0.21

	CAGR 5

	CAGR 5