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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The Karur Vysya Bank Limited (the Bank) is a banking company. It is engaged in providing a range of banking and financial services, including commercial banking and treasury operations. Its segments include Treasury, Corporate and Wholesale Banking, Retail Banking, and Other…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, fast-growing business, priced for perfection — but flagged on governance.
Karur Vysya Bank is scored on the bank / lender framework. It keeps a healthy 19.1% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 20%/yr and profit at 31%/yr. Book value itself has compounded 18%/yr — the hallmark of a genuine compounder. Return on equity is an elite 19.2%. In the latest quarter profit grew 4% versus the prior quarter.
At 14× earnings, the stock sits at the 97th percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price asks for only ~2%/yr growth over a decade — undemanding expectations. The forensic screen raises a red flag: Share count up 21% over 4 years — heavy equity dilution.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 12.09 | 10.03 | worse |
| P/B | 2.32 | 1.4 | worse |
| ROE | 19.22 | 9.98 | better |
| ROA | 1.93 | 0.92 | better |
| NIM | 3.85 | 4.25 | worse |
| Net NPA | 0.19 | 0.79 | better |
| CASA | 26.91 | 30.48 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 20% CAGR over 3 years — steady double-digit compounder.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (31% vs 20%) — margin expansion is at work.
Operating margin has expanded from 19% to 25% — the business is keeping more of each rupee earned.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (31% vs 23%) — share dilution is eroding per-share value. 23% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
1 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Investing outflows exceed operating cash — the company relies on external funding to finance expansion. Financing outflows in consecutive years — balance-sheet discipline through debt repayment or dividends.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 5% sequentially — momentum is building.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold just 1.9% — widely held; sentiment-driven.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.