Karnataka Bank
Karnataka Bank Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Karnataka Bank Ltd, framed against the sector median so the premium or discount is obvious at a glance.
Karnataka Bank Ltd trades at a P/E of 7.98× and P/B of 0.79×, against the Financial Services sector median P/E of 17.67×.
Valuation
Profitability
Growth
Financial Health
Karnataka Bank Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Karnataka Bank Ltd, switchable between annual and quarterly views, consolidated or standalone.
Karnataka Bank Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹10,324.36 Cr and reported EPS of ₹34.60.
| Period | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| Other Income | 1,495 | 954 | 993 | 1,319 | 1,270 | 1,403 |
| Total Income | 7,727 | 7,176 | 8,213 | 9,617 | 10,283 | 10,321 |
| Profit Before Tax (PBT) | 612 | 694 | 1,440 | 1,563 | 1,641 | 1,658 |
| Tax Expense | 129 | 186 | 261 | 256 | 368 | 348 |
| Profit After Tax (PAT) | 482 | 508 | 1,180 | 1,307 | 1,273 | 1,311 |
| Earnings Per Share (EPS) | 15.52 | 16.33 | 37.77 | 34.64 | 33.68 | 34.66 |
| Diluted Shares Outstanding (Nos.) | 31 | 31 | 31 | 38 | 38 | 38 |
| +Banking Income | 7,727 | 7,176 | 8,213 | 9,617 | 10,283 | 10,321 |
| +Banking Expenses | 5,728 | 5,542 | 6,005 | 7,454 | 8,456 | 8,346 |
| +Asset Quality & Capital | 2,588 | 2,251 | 2,293 | 2,578 | 2,402 | 2,321 |
| Tax % | 21 | 27 | 18 | 16 | 22 | 21 |
| Profit Growth % | — | 5.29 | 132.23 | 10.76 | -2.58 | 2.98 |
Karnataka Bank segment analysis: revenue and profit mix.
Disclosed business segments at Karnataka Bank with their share of revenue and profit, switchable between consolidated and standalone reporting.
Karnataka Bank discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
Karnataka Bank Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Karnataka Bank Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Karnataka Bank Ltd's investment case rests on 6 positive markers and 7 flagged concerns drawn from the latest reported filings.
What you're getting.
Karnataka Bank exhibits a very attractive Price-to-Earnings ratio of 5.95, significantly lower than many peers, suggesting potential undervaluation. This is complemented by a solid Return on Equity (ROE) of 11.10%, indicating efficient profit generation from shareholder funds.
The company maintains a robust Operating Profit Margin (OPM) of 66.20%, showcasing strong operational efficiency and effective cost management. This high margin indicates the bank's ability to generate substantial profits from its core banking operations.
Karnataka Bank offers a competitive dividend yield of 2.74%, providing attractive income to shareholders. This consistent payout can appeal to income-focused investors, adding to the stock's overall investment proposition.
A price-to-book value of 0.57 suggests the stock is trading below its intrinsic asset value. This could attract value investors and lead to significant upside potential as the market recognizes its true worth.
As a private sector bank, KTKBANK can capitalize on the overall growth and increasing penetration of banking services in India. Favorable economic conditions and rising credit demand present a significant market expansion opportunity.
What can break it.
The bank's high debt-to-equity ratio of 8.83 is a significant concern, indicating substantial financial leverage. This elevated debt level could increase financial risk and vulnerability, particularly during economic downturns or rising interest rates.
A complete absence of promoter holdings (0%) is a notable weakness, potentially leading to reduced management accountability and alignment with long-term shareholder interests. This lack of insider ownership might impact investor confidence and strategic stability.
The company reported a significant quarterly profit decline of -27.00%, alongside a slight sales decrease of -0.73%. This negative trend in profitability, despite stable sales, warrants close monitoring for its potential impact on future earnings and investor sentiment.
Operating in the highly competitive private sector banking space, KTKBANK faces significant challenges from larger, well-established players. This intense competition could pressure margins and limit market share expansion.
The banking sector is subject to stringent regulations. Any adverse changes in monetary policy, interest rate regimes, or new compliance requirements could negatively impact the bank's operations and profitability.
What would change my mind.
Trim if P/E re-rates above 10 (~0.6× the sector multiple of 17.7). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 1.00. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
Karnataka Bank Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Karnataka Bank Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
Karnataka Bank Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Karnataka Bank Ltd — derived from the live tape, not yesterday's close.
Karnataka Bank Ltd last traded at ₹272.7 with an intraday range of ₹270.35–₹282.95 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹272.70| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 305.52 | +32.82 | +12.03% |
| R3 | 292.92 | +20.22 | +7.41% |
| R2 | 287.93 | +15.23 | +5.59% |
| R1 | 280.32 | +7.62 | +2.79% |
| PIVOT | 275.33 | 2.63 | 0.97% |
| CURRENT | 272.70 | — | — |
| S1 | 242.52 | -30.18 | -11.07% |
| S2 | 255.12 | -17.58 | -6.45% |
| S3 | 262.73 | -9.97 | -3.65% |
| S4 | 267.72 | -4.98 | -1.83% |
KTKBANK is trading Below CPR, indicating Bearishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: 276.65 ~ 282.95
Trading Inside opening range
Karnataka Bank Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Karnataka Bank Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Karnataka Bank Ltd stood at 49.7% of traded volume, against a 20-day average of 46.3%.
Karnataka Bank announcements: results, concalls, ratings, M&A.
Filings Karnataka Bank sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Karnataka Bank files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 195 documents below.
General Updates
The Karnataka Bank Limited has informed the Exchange about allotment of equity shares pursuant to exercise of vested stock options under the KBL…
General Updates
The Karnataka Bank Limited has informed the Exchange about the Newspaper Advertisement - Notice sent to the Shareholders
Press Release
The Karnataka Bank Limited has informed the Exchange regarding a press release dated Jun 02, 2026, titled "Karnataka Bank Partners with Tobacco…
Press Release
The Karnataka Bank Limited has informed the Exchange regarding a press release dated Jun 01, 2026, titled "Karnataka Bank Conducts Annual Conference…
Updates
The Karnataka Bank Limited has informed the Exchange regarding 'Annual Secretarial Compliance Report for the Financial Year ended March 31, 2026'.
Investor decks & rating reports.
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Karnataka Bank dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Karnataka Bank has declared, sequenced by announce and record date.
Karnataka Bank corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Karnataka Bank Ltd: business, sector, key facts.
What Karnataka Bank Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Karnataka Bank Ltd operates in the Financial Services, listed as NSE: KTKBANK, BSE: 532652.
Karnataka Bank Limited (KTKBANK) is a prominent Indian banking institution established in 1924 and headquartered in Mangalore. The bank offers a comprehensive suite of banking and financial services across various segments, catering to both corporate and individual clients.
The bank's Corporate/Wholesale Banking segment focuses on providing a range of financial solutions to businesses. This includes term loans, working capital facilities, foreign exchange services, structured finance, and trade financing products, designed to support various corporate needs and growth strategies. They offer tailored solutions to meet the specific requirements of different sized corporations.
Retail banking forms a significant part of KTKBANK's operations. This segment offers a diverse portfolio of loans tailored to individuals, encompassing home loans, auto loans, personal loans, and education loans. They also provide loans against existing assets such as term deposits, securities, and gold. Furthermore, they extend credit to small businesses and agricultural enterprises through dedicated schemes like KBL Contractor Mitra, KBL Micro Mitra, KBL Export Mitra, KBL MSME, and KBL Mahila Udyog, specifically supporting women entrepreneurs.
KTKBANK's Treasury segment plays a crucial role in managing the bank's financial resources. This involves managing statutory reserves (SLR and CRR), liquidity management, investment and trading activities, and foreign exchange operations. Their investment portfolio includes sovereign debt, fixed-income securities, mutual funds, and other financial instruments. Active trading in debt and equity securities, as well as foreign exchange, is also a core function of this segment.
Beyond core banking activities, the Other Banking Operations segment provides ancillary services enhancing customer convenience and experience. These include depository services, online trading platforms, locker and safe custody facilities, bill payment services, and various digital banking channels such as internet and mobile banking, along with FASTag services. The bank also distributes insurance products, adding another layer to its offerings.
In summary, KTKBANK operates across multiple segments, offering a wide spectrum of financial products and services through both physical branches and digital platforms. Their integrated approach ensures a comprehensive banking experience, addressing the needs of diverse customer segments within the Indian market.
Questions investors ask about Karnataka Bank Ltd (KTKBANK).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Karnataka Bank Ltd (KTKBANK)?
The current share price of Karnataka Bank Ltd (KTKBANK) is ₹272.7. Today, the stock has declined by ₹3.00 (1.09%), trading in a range of ₹270.35 to ₹282.95. The stock opened at ₹280 with a trading volume of 30,06,943 shares.
02Is Karnataka Bank Ltd stock a good investment for long-term?
Karnataka Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹10,324.36 crores, P/E ratio of 7.98, ROE of 10.36%, and ROCE of 6.33%. The dividend yield stands at 1.81%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Karnataka Bank Ltd stock?
The 52-week high price of Karnataka Bank Ltd (KTKBANK) is ₹278.4, while the 52-week low is ₹169.12. Currently trading at ₹272.7, the stock is 94.8% away from its 52-week low and 2.0% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Karnataka Bank Ltd stock at the current price?
Whether to buy Karnataka Bank Ltd stock at ₹272.7 depends on multiple factors. The stock is currently trading with a P/E ratio of 7.98 and P/B ratio of 0.79. Today's performance shows a loss of 1.09%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Karnataka Bank Ltd and when is the next dividend?
Karnataka Bank Ltd offers a dividend yield of 1.81%, which means for every ₹100 invested at the current price of ₹272.7, you can expect to receive approximately ₹1.81 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Karnataka Bank Ltd?
Karnataka Bank Ltd's key financial metrics include: P/E Ratio: 7.98, P/B Ratio: 0.79, ROE: 10.36%, ROCE: 6.33%, Dividend Yield: 1.81%, EPS: ₹34.60, Book Value: ₹349.84, and Debt-to-Equity: 0.00. The company's market cap stands at ₹10,324.36 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Karnataka Bank Ltd stock performing today in the market?
Karnataka Bank Ltd stock opened at ₹280 and is currently trading at ₹272.7, showing a decline of ₹3.00 (1.09%). The intraday high is ₹282.95 and low is ₹270.35. The trading volume stands at 30,06,943 shares, indicating strong market participation today.
08What is the P/E ratio of Karnataka Bank Ltd and what does it indicate?
Karnataka Bank Ltd has a Price-to-Earnings (P/E) ratio of 7.98, which means investors are willing to pay ₹7.98 for every ₹1 of earnings. With an EPS of ₹34.60, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Karnataka Bank Ltd (KTKBANK) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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