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Intrinsic value · Buy/Sell verdict · scores — free· 500 Nifty 500 stocks· EOD 2026-06-15

Karur Vysya Bank Ltd.

KARURVYSYA · NSE · Financial Services

₹289.3
+0.35 (+0.12%)
Our verdict
Strong Buy86/100
Quality92
Valuation91
Momentum65
Financial trend90
Intrinsic value
Our fair value
₹439.09
Undervalued by 52%
Price ₹289.3Range ₹373.22₹504.95

With a 20% margin of safety, our buy-below price is ₹351.27.

A
Financial health 98/100
From profitability & returns (bank/NBFC)

Piotroski F-score 3/9 — quality of earnings & balance sheet.

Investability checklist

Passed 8 of 10 checks80/100
  • ROE above 15%19.3%
  • Low debt (D/E < 0.5)
  • Positive free cash flow
  • Revenue growth > 10%20%
  • Earnings growing41%
  • Net margin ≥ 10%40.1%
  • Current ratio > 1.5
  • Below our fair value
  • Margin of safety ≥ 20%
  • Above 200-day average
  • Above 50-day average
  • Positive 1-year return
  • Altman Z in safe zone
  • Piotroski ≥ 73/9

1-year price

EOD · 2026-06-15
1W
+2.8%
1M
-3.3%
3M
-2.2%
6M
+20.0%
1Y

Our scores

Durability92
Valuation81
Momentum65
Analyst consensus target ₹353.53 (+22%) · 17 analysts

Key fundamentals

Market cap
₹27,964 Cr
P/E ratio
11.1
P/B ratio
2.18
EPS (TTM)
₹25.98
ROE
19.3%
Debt / Equity
Profit margin
40.1%
Free cash flow
₹-706 Cr
52-week high
₹336.85
-14.12% from high
52-week low
₹200.81
Dividend yield
0.8%
Beta
-0.07

SWOT snapshot

Strengths

  • Strong return on equity (19.3%).
  • Healthy profit margin (40.1%).

Weaknesses

  • Weak Piotroski score (3/9).

Opportunities

  • Earnings growing (41% YoY).
  • Revenue growing (20% YoY).
  • Trading in our value buy zone versus sector peers.
  • Trades ~52% below our estimated fair value.

About Karur Vysya Bank Ltd.

The Karur Vysya Bank Limited provides various banking and financial services for personal and corporate customers in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The Treasury segment offers investments in Central and State Government securities, debt instruments of banks, FIs, insurance companies, PSUs and corporates, certificates of deposits, equity shares, mutual funds, and security receipts, as wel

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Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.