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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.
History
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 Karnataka Bank Limited is a banking company, which provides range of banking and financial services involving retail, corporate / wholesale banking, para-banking activities, treasury operations, and foreign exchange business. Its segments: Treasury, Corporate and…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, slow-growing business, priced for perfection — but flagged on governance.
Karnataka Bank is scored on the bank / lender framework. It keeps a healthy 12.7% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 8%/yr and profit at 4%/yr. Book value itself has compounded 17%/yr — the hallmark of a genuine compounder. Return on equity is a modest 11.2%. In the latest quarter profit grew 4% versus the prior quarter.
At 9× earnings, the stock sits at the 96th percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price asks for only ~-4%/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 | 7.76 | 10.03 | better |
| P/B | 0.9 | 1.4 | better |
| ROE | 11.15 | 9.98 | better |
| ROA | 1.05 | 0.92 | better |
| NIM | 2.5 | 4.25 | worse |
| Net NPA | 0.98 | 0.79 | worse |
| CASA | 33.61 | 30.48 | better |
| 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 is on a 2-year growth streak. 8% CAGR — growing but slowly. Growth is decelerating — latest year grew slower than the year before.
Revenue is outpacing profit (8% vs 4%) — costs are rising faster than the top line.
Operating margins have been stable around 16% — no major structural shift. Margins have declined for 2 consecutive years — watch for a structural cost problem.
Profit grew faster than EPS (4% vs -3%) — share dilution is eroding per-share value. -3% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
Operating cash flow has been positive every year — the business generates real cash, not just accounting profit. Heavy investing spend every year, but operations generate enough to cover it — the business self-funds its growth.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Low quarterly variance (10% spread) — a predictable, non-seasonal revenue stream.
Quarterly net margins are expanding (12% → 16%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
FIIs have accumulated for 3 straight quarters — sustained foreign institutional conviction. MF holding up 4.2pp — domestic institutional discovery underway. Both FII and MF added last quarter — broad institutional confidence.
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.