The Karur Vysya Bank Limited

NSE

KARURVYSYA

Stock

Yield per half year: +7.1%
Dividend yield: 1.95%
Sector: Financials

Reporting The Karur Vysya Bank Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹	331.96	299.71	86.59	76.7	55.11	28.97	40.84	52.17	98.06		96.29	55.03	12.22
Выручка, млрд ₹		20.97	21.68	19.24	33.24	35.15	34.16	34.89	45.08	49.71	49.71	39.80	7.18
Чистая прибыль, млрд ₹		5.68	6.06	3.46	2.11	2.35	3.59	6.73	11.06	16.05	16.05	7.96	46.85
EV, млрд ₹		329.68	74.26	78.19	39.76	-0.8991	20.57	6.06	50.56	89.7	89.7	33.20	-351.07
EBIT, млрд ₹		45.74	44.32	39.05	2.21	1.53	4.1	9.31	14.37	-1	-1	5.66	-191.85
EBITDA, млрд ₹		46.56	45.18	39.9	3.22	2.72	5.34	10.5	15.43	0.0000	0.0000	7.44	36.81
OIBDA, млрд ₹						1.9	5.85	11.89	17.68	4.96	4.96	8.46	21.16
Баланс стоимость, млрд ₹		45.73	50.36	62.64	64.23	66	69.6	75.96	85.84	100.4	100.4	79.56	8.75
FCF, млрд ₹		3.88	15.26	-7.12	-5.86	23.69	32.89	2.37	11.55	20.78	20.78	18.26	-2.59
Операционный денежный поток, млрд ₹		4.8	16.11	-5.37	-4.3	25.04	33.66	2.95	12.17	21.76	21.76	19.12	-2.77
Операционная прибыль, млрд ₹		45.74	44.32	39.05	2.21	1.53	4.1	8.12	13.31	21	21	9.61	68.85
Операционные расходы, млрд ₹		12.93	13.26	14.86	17.08	18.72	22.42	19.08	20.32	26.39	26.39	21.39	7.11
CAPEX, млрд ₹		0.9183	0.8521	1.75	1.56	1.35	0.7656	0.5861	0.6222	0.981	0.981	0.8610	-6.19

	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q1	2019Q2	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд ₹	331.26	296.22	195.69	92.89	62.8			46.64				30.08			39.75				80.07				121.92					63.69	21.19
Выручка, млрд ₹																		8.36	8.42	10	12.3	11.28	13.59	28.13	26.73	28.56	15.46	22.49	2.61
Чистая прибыль, млрд ₹																		2.5	2.89	3.38	3.59	3.78	4.12	4.56	4.59	4.74	4.96	4.59	3.78
EV, млрд ₹																4.3		26.99	149.72	50.7	167.68	85.08	216.4	114.52	244.56	116.69		155.45	6.52
EBIT, млрд ₹																10.01	6.42	6.9	6.5	8.92	9.78	10.23	10.52		6.13	21.4		11.61	16.95
EBITDA, млрд ₹																	3.21	3.45	3.25	4.46	4.89	5.12	5.26	-5.74	0.0000	6.36		3.18	5.40
OIBDA, млрд ₹																							6.41	14.66	1.54	23.03		11.41	37.68
Баланс стоимость, млрд ₹																	75.96	79.49	82.4	85.84	89.44	91.63	95.79	100.4	100.4	109.01		99.45	3.53
FCF, млрд ₹					-1.46	-1.46	-1.46	5.92	5.92	5.92	5.92		0.00075			0.0049				0.017								2.37	-68.98
Операционный денежный поток, млрд ₹								6.26	6.26	6.26	6.26		0.00075	9.57		0.0049		16.85		0.017		6.86						6.66	-6.44
Операционная прибыль, млрд ₹																		3.45	3.25	4.46	4.89	5.12	5.26	24.96	6.13	21.4	8.15	13.18	9.15
Операционные расходы, млрд ₹																		4.91	5.18	5.54	5.82	6.16	6.83	3.18	3.33	15.32	7.31	7.19	1.37
CAPEX, млрд ₹								0.3375	0.3375	0.3375	0.3375		0.7656	0.2488		0.5861		0.363		0.6222		0.3781						0.4396	8.73

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			27.92	43.45	42.97	36.97	43.93	63.2	49.26	46.95	56.59	56.59	51.99	5.20
Short Term Investments ₹			1	4.1	3.25	-24.33	-22.16	-26.79	28.98	33.81		33.81	-2.0980	-206.80
Long term investments ₹	132.47	123.75	144.43	148.57	158.03	148.82	157.62	160.19	172.16	188.08			165.37	4.79
Total Receivables ₹	24.34	22.38	16.15	18.84	16.41	16.85	11.42	12.39	16.37			16.37	14.69	-0.05
Total Current Assets ₹			44.06	62.3	59.37	12.64	21.76	36.42	20.28	13.14	128.34	128.34	43.99	42.61
Чистые активы, млрд ₹		4.11	4.2	4.19	5.28	5.83	5.87	5.39	4.78	4.35		4.35	5.24	-5.69
Активы, млрд ₹			576.64	618.08	669.29	693.4	682.78	746.23	800.44	901.79	1 055.85	1 055.85	837.42	9.11
Short Term Debt ₹			28.94	14.16	20.65	5.97	2.22	17.65	5.97	4.86	15.1	15.1	9.16	46.73
Long Term Debt ₹		29.01	28.94	16.96	23.82	15.65	11.84	25.28	13.39	14.32		14.32	16.10	-1.76
Задолженность, млрд ₹			530.91	567.72	606.65	629.17	616.78	676.63	724.48	9.5	955.45	955.45	596.57	9.15
Чистый долг, млрд ₹			-9.65	-22.96	-24.28	-19.31	-32.55	-34.94	-32.24	-32.63	-56.59	-56.59	-37.7900	11.70
Долг, млрд ₹			57.88	31.12	44.46	21.63	14.06	42.93	19.36	19.18	24.78	24.78	24.06	12.00
Interest income ₹				56.22	57	58.16	59.9	54.7	55.88	65.17			58.76	2.30
Расходы на обслуживание долга ₹			36.62	35.49	34.02	34.53	36.42	31.11	28.72	31.68	43.95	43.95	34.38	3.83
Чист. проц. доходы, млрд ₹			17.81	20.74	22.98	23.63	23.48	23.6	27.15	33.49	82.04	65.17	37.95	28.43
Амортизация, млрд ₹			0.8281	0.8589	0.8525	1.01	1.19	1.24	1.19	1.06	1	1	1.14	-3.42
Себестоимость, млрд ₹											-2.32	-2.32	-2.3200	0.00
Товарно материальные запасы ₹						-57.27	-59.7	-78.22	75.28				-29.9775	-207.08

	2016Q1	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2019Q1	2019Q3	2020Q1	2020Q3	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₹																49.26		59.41	-44.02	46.95	-51.98	48.9	-53.01	56.59	-53.25	56.87		11.22	3.07
Short Term Investments ₹						3.25			0.4				0.0000		0.0000	-28.98				-33.81								-14.7850	-279.59
Long term investments ₹									148.82	183.98	157.62	184.35	160.19	163.87		172.16		182.95		188.08		208.34						183.08	4.92
Total Receivables ₹	16.15	18.84		9.88		16.41		9.99	16.85		11.42		12.39		16.37	16.37												14.68	-0.58
Total Current Assets ₹																20.28		59.41	58.86	13.14	54.69	48.9	55.9	55.88	54.29	56.87		54.37	3.07
Чистые активы, млрд ₹									5.83	6.13	5.87	5.56	5.39	5.04		4.78		4.6		4.35		4.23						4.60	-3.44
Активы, млрд ₹																800.44		863.65	890.13	901.79	946.07	984.35	1 028.68	1 055.85	1 088.74	1 125.73		1056.67	2.72
Short Term Debt ₹		16.96	11.8	6.63	6.63	20.65	23.82		5.97							0.0225				4.86				15.1				9.95	-8.71
Long Term Debt ₹									15.65	30.53	11.84	13.83	25.28	11.58		13.39		22.81		14.32		25.88						17.60	17.45
Задолженность, млрд ₹																724.48		784.16	807.73	9.5	856.63	25.88	932.89	955.45	982.89	1 016.72		782.77	108.38
Чистый долг, млрд ₹																-32.24		-36.61	58.75	-32.63	67.53	-23.02	82.94	-31.8	74.38	-56.87		9.13	19.83
Долг, млрд ₹									21.63							13.41		22.81	14.73	19.18	15.55	25.88	29.93	24.78	21.13			23.45	6.32
Interest income ₹														13.98	14.05	14.09	14.74	15.79	16.95	17.68	18.83	19.97	21.39					18.96	4.76
Расходы на обслуживание долга ₹																		7.58	8.06	8.76	9.86	10.82	11.38	11.89	12.6	13.24	14.07	12.64	4.34
Чист. проц. доходы, млрд ₹																7.1	7.46	8.21	8.89	8.93	8.97	9.15	10.01	21.85	22.85			14.57	20.56
Амортизация, млрд ₹																	-3.21	-3.45	-3.25	-4.46	-4.89	-5.12	-5.26	-5.74	-6.13	-15.04		-7.4580	24.05
Себестоимость, млрд ₹																										-13.24		-13.2400	0.00
Товарно материальные запасы ₹																-68.84												-68.8400	0.00

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS			4.94	2.64	2.94	4.5	8.41	13.78	19.97		19.97	9.92	46.69
Цена акции ао		125.15	88.5	60.25	45.75	45.7	113.2	168.3	216.59	247.77	247.77	158.31	40.23
Число акций ао, млн	767.85	752.53	785.19	793.16	805.35	799.48	800.38	802.96	803.76		803.76	802.39	-0.04
FCF/акцию	5.05	20.28	-9.07	-7.39	29.41	41.14	2.96	14.38	25.85		25.85	22.75	-2.55

	2011Q4	2012Q4	2013Q4	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS														3.12	3.6	4.2	4.46	4.7	5.12	5.67	5.7	5.88	6.16			5.71	3.77
Цена акции ао												48.67	46.97	64.18	99.64	103.72	105.36	127.03	151.65					209.3	247.77	168.22	18.65
Число акций ао, млн				657.76	719.42	767.85	752.53	785.19	793.16	805.35	799.48				803.58				803.96							801.11	0.27
FCF/акцию	0.6953	-0.207	4.1	-1.57	1.35	4.97	-2.37	-1.87	7.47							0.0211										1.64	-66.46

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			12.41	12.03	5.52	3.28	3.56	5.16	9.25	13.67	17.23		17.23	16.86	9.77	37.08
ROA, %			0.9844	0.9804	0.5165	0.3041	0.3442	0.4816	0.8706	1.3	1.64		1.64	4.25	0.9273	36.65
ROIC, %		6.3	8.73	8.16	5	3.1	3.66	3.2	8.41	12.06			12.06	9.97	6.09	31.22
ROS, %				27.95	17.96	6.34	6.69	10.52	19.3	24.54	32.28	32.28	32.28	55.32	23.78	25.14
ROCE, %				88.01	62.34	3.44	2.32	5.89	1.17	2.25	-0.0959	-0.9986	-0.9986	8.56	1.64	-170.12
Ebit margin, %							4.36	12.01	26.68	31.88	-2.02	-2.02	-2.02		13.31	-170.01
Рентаб EBITDA, %				208.35	207.36	9.69	7.74	15.64	30.1	34.22	4.8E-5	4.8E-5	4.8E-5	61.72	15.99	-92.10
Чистая рентаб, %			27.07	27.95	17.96	6.34	6.69	10.52	19.3	24.54	32.28		32.28	55.32	18.67	36.99
Operation Margin, %				204.39	202.93	6.65	4.36	12.01	23.26	29.53	42.25	42.25	42.25	56.13	29.86	28.60
Доходность FCF, %	3.85	-1.24	1.29	17.62	-9.28	-10.63	81.78	80.54	4.54	11.78					33.60	-202.08

	2011Q4	2012Q4	2013Q4	2014Q4	2015Q4	2016Q4	2017Q1	2017Q2	2017Q4	2018Q1	2018Q4	2019Q1	2019Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %															3.01	3.15	3.51	3.94	4.01	4.41	4.62	4.93	4.79	4.77			16.86	4.70	1.58
ROA, %														0.2667		0.2897	0.325	0.3746	0.3791	0.3921	0.409	0.4376	0.4277	0.4277			4.25	0.4188	1.75
ROIC, %							3.31	2.14		1.13		0.859		2.84				4.44		4.58							9.97	2.77	32.30
ROS, %																	34.34	33.77	29.15	33.55	30.29	16.21	17.16	16.58	32.08	32.28	55.32	22.86	14.77
ROCE, %														13.17		8.68	7.88	0.9997	10.93	1.56	1.69		0.8864	2.29		-0.9986	8.56	1.09	-191.46
Ebit margin, %																				90.7	77.43		22.93	74.94		-2.02		52.80	-146.72
Рентаб EBITDA, %																41.3	38.56	44.59	39.75	45.35	38.72	-20.38	0.000162	22.28		4.8E-5	61.72	8.12	-93.41
Чистая рентаб, %																29.94	34.34	33.77	29.15	33.55	30.29	16.21	17.16	16.58	32.08		55.32	22.46	1.15
Operation Margin, %																	38.56	44.59	39.75	45.35	38.72	88.71	22.93	74.94	52.73	42.25	56.13	56.31	-13.79
Доходность FCF, %	0.2008	-0.0471	1.3	-0.3108	0.3275	1.95			-1.92		-2.33		12.7															2.15	107.83

Coefficients

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	52.8	14.29	22.19	26.13	12.32	11.36	5.69	7.52	9.12		9.12	36.28	9.20	-5.84
P/BV	6.55	1.72	1.22	0.858	0.4389	0.5868	0.5042	0.0932	1.46		1.46	3.47	0.6166	27.17
P/S	14.29	3.99	3.99	1.66	0.8241	1.2	1.1	1.85	2.94		2.94	11.12	1.58	28.97
P/FCF		5.67	-10.77	-9.4	1.22	1.24	22.03	8.49	4.63	4.63	4.63	9.16	8.20	30.15
E/P		0.07	0.0451	0.0383	0.0811	0.088	0.129	0.1128	0.1667	0.1667	0.1667	0.14	0.1326	13.63
EV/EBIT					0.5631	3.01	0.651	3.52	-89.47	-89.47	-89.47		-34.3518	-297.07
EV/EBITDA	7.08	1.64	1.96	12.34	-0.3303	3.85	0.5771	3.28	3737450.62		3737450.62	38.04	747491.60	-2674.74
EV/S		3.42	4.06	1.2	-0.0256	0.6021	0.1737	1.12	1.8	1.8	1.8	13.61	1.10	24.49
EV/FCF		4.87	-10.98	-6.79	-0.038	0.6253	2.56	4.38	4.32	4.32	4.32	11.74	3.24	47.19
Debt/EBITDA		0.6888	1.11	6.71	5.17	8.03	1.84	1.24	1032645.83	1032645.83	1032645.83	17.17	413060.55	951.59
Netdebt/Ebitda		-0.5081	-0.6085	-5.99	-11.96	-6.54	-3.07	-2.12	-2357734.25	-2357734.25	-2357734.25	-0.25	-943096.0460	1192.36
Debt/Ratio		0.0503	0.0664	0.0312	0.0206	0.0575	0.0242	0.0213	0.0235	0.0235	0.0235	0.30	0.0300	-16.39
Debt/Equity		0.618	0.7098	0.3367	0.213	0.6169	0.2549	0.2234	0.2468	9.52	9.52	3.05	2.17	72.86
Debt/Net Income		5.14	12.86	10.26	5.98	11.95	2.88	1.73	1.54	1.54	1.54	13.96	3.93	-33.62
PEG										2.25	2.25		2.25	0.00
Бета								2.75	-0.3331	3.54	3.54	1.20	1.99	8.78
Индекс Альтмана		0.3487	0.2397	-0.0182	0.0122	0.0493	0.0829	0.1702	0.1449	0.1402	0.1402	1.01	0.1175	23.25

	2011Q4	2012Q4	2013Q4	2014Q4	2015Q4	2016Q4	2017Q4	2018Q1	2018Q4	2019Q1	2019Q4	2020Q4	2021Q4	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E															7.23	27.68	7.52	8.1	7.92	8.98	9.12	9.98	9.63	8.99			36.28	9.34	0.02
P/BV														0.481	0.8001	0.9718	0.0934	1.12	0.1128	1.39	1.46	1.61	1.59				3.47	1.23	69.75
P/S															2.19	9.51	2.29	2.56	2.57	2.83	2.24	2.13	1.79	1.71			11.12	2.14	-9.58
P/FCF	497.92	-2121.42	76.76	-321.79	305.35	51.29	-52.18		-42.87		7.88															4.63	9.16	-6.2500	-38.18
E/P					0.0052	0.0059	0.0077		0.0034		0.0032	0.0115	0.0467			0.0361				0.0338						0.1667	0.14	0.0590	70.71
EV/EBIT																			8.32	20.56		39.9	5.45			-89.47		-3.0480	-260.81
EV/EBITDA														0.113	0.6544	11.59	3.53	34.29	4.8	10.97	12.01	52.69	19.81				38.04	20.06	32.78
EV/S																		13.63	7.54	15.92	4.07	9.15	4.09			1.8	13.61	7.01	-35.34
EV/FCF																										4.32	11.74	4.32	0.00
Debt/EBITDA														4.45	2.07	4.53	4.3	3.18	5.06	5.69	-4.32	488261.39				1032645.83	17.17	304182.73	1053.35
Netdebt/Ebitda															-10.61	18.08	-7.32	13.81	-4.5	15.76	5.55	1718735.56	-8.94			-2357734.25	-0.25	-127797.2640	-1183.90
Debt/Ratio								0.0356		0.0312				0.0168			0.0213	0.0164	0.0263	0.0291	0.0235	0.0194				0.0235	0.30	0.0244	-2.23
Debt/Equity								0.3802		0.3367				0.1766			0.2234	0.1739	0.2824	0.3125	0.2468	0.2105				9.52	3.05	2.11	102.09
Debt/Net Income								47.11		36.03				6.28			5.68	4.34	6.84	7.27	5.43	4.61				1.54	13.96	5.14	-25.78
PEG																										2.25		2.25	0.00
Бета																									1.36	3.54	1.20	2.45	61.34
Индекс Альтмана																									0.1449	0.1402	1.01	0.1426	-1.64

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	1.68	3.37	0.5914	1.9	0.5491	0.5839	0.0069	1.28	1.6			1.6		0.8040	23.85
Дивиденд	2.2	2.37	2.2	0.5455	0.6		0.5	1.6	2	2.4		2.4		1.42	31.95
Див доход, ао, %		0.6076	1.91	0.5584	0.8636	1.75	0.9789	3.43	1.27	1.95		1.95	1.35	1.88	2.19
Дивиденды / прибыль, %		59.43	9.76	55.04	26.04	24.84	0.1931	6	11.57	10		10	18.71	10.52	-16.64
Dividend Coverage Ratio											10	10		10.00	0.00

	2014Q3	2015Q3	2016Q1	2016Q3	2017Q3	2018Q3	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2021Q1	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд								0.146	0.146	0.146	0.146	0.0069	0.4028	0.4037	1.28	1.28	1.6			0.9933	31.77
Дивиденд	2.2	2.2	1.69	0.6776	2.2	0.5455	0.6						0.5		1.6		2			1.05	29.67
Див доход, ао, %	0.4832	0.5019	0.4169	0.1477	1.65	0.5659	0.9658						1.07		2.49		1.57		1.35	1.33	22.64
Дивиденды / прибыль, %								96.87	17.44	13.84	12.71	0.6611	24.35	18.91	51.07	37.87	42.31		18.71	34.90	11.68
Dividend Coverage Ratio																		10		10.00	0.00

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Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	3.84	2.24	1.68	1.38	1.97	1.97	-12.50
Персонал, чел				7 402	7 402		0.00

	CAGR 5

	CAGR 5