KARNATAKA BANK LIMITED
KTKBANK · General/Diversified · NSE
₹245
Current Market Price
Fair Value (DCF)
₹687
Margin of Safety
+180.3%
Updated just now
YieldIQ Score
40/100
Piotroski F-Score
4/9
Economic Moat
Moderate
Confidence
96%
ROE
—
Debt/Equity
0.00
WACC
11.1%
Market Cap
₹9,264 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.04×
Revenue per ₹ of assets
Revenue CAGR (3Y)
10.1%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹244.97
Bear case
₹533.87
MoS +54.1%
Base case
₹686.6
MoS +64.3%
Bull case
₹724.19
MoS +66.2%
Ratio Trends
KTKBANK · last 7 annual periods
ROE
10.5%
ROCE
—
Operating Margin
—
Debt / Equity
0.16×
PE
4.3×
EV / EBITDA
—
Historical Financials
KTKBANK · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | — | — | ₹4178 Cr | — | ₹4580 Cr | +2.3% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | — | — | ₹1180 Cr | — | ₹1273 Cr | +1.9% |
| EPS (diluted) | ₹15.47 | ₹16.29 | — | ₹7.84 | — | -15.6% |
| CFO | — | — | ₹1830 Cr | — | ₹210 Cr | -41.8% |
| CapEx | — | — | ₹-88.8 Cr | — | ₹-163 Cr | — |
| FCF | — | — | ₹1741 Cr | — | ₹46.8 Cr | -59.5% |
| Total Assets | — | ₹91.6K Cr | ₹99.1K Cr | ₹116.1K Cr | ₹121.0K Cr | +7.2% |
| Total Debt | — | — | ₹1563 Cr | — | ₹1941 Cr | +5.6% |
| Shareholders' Equity | — | — | ₹8212 Cr | — | ₹12.1K Cr | +10.1% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
KTKBANK vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| SOUTHBANK The South Indian Bank Limited | +163.1% | 65 | Undervalued | 12.9% | — |
| TMB Tamilnad Mercantile Bank Limited | +169.3% | 48 | Undervalued | 13.1% | — |
| UJJIVANSFB Ujjivan Small Finance Bank Limited | +114.1% | 48 | Undervalued | 11.9% | — |
| EQUITASBNK EQUITAS SMALL FIN BNK LTD | +185.6% | 66 | Undervalued | 2.4% | — |
| CSBBANK CSB BANK LIMITED | +30.5% | 36 | Undervalued | 13.2% | — |
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Dividend History
No dividend events recorded for KTKBANK in the last 10 years.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. KARNATAKA BANK LIMITED (KTKBANK.NS) trades at 244.97 vs a model fair value of 686.60, a gap of 180.3%. Piotroski F-score: 4/9. Moat label...
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Analyse KTKBANKNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.