The Karnataka Bank Limited
Valuation (96/100) does the heavy lifting; financial trend (68/100) is the drag.
Buy zoneOur blended model reads The Karnataka Bank Limited as a Strong Buy at 82/100. On 8.1x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 7% below its 52-week high of ₹340.1 and 85% above the low of ₹170.82. Financial health scores 76/100, with a Piotroski F-score of 2/9. The average analyst target of ₹268 implies about 15% downside across 3 analysts. It clears 7 of 10 investability checks, with durability 79, valuation 92 and momentum 81 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹434.27.
Analyst views
1-year price
EOD · 2026-09-1552-week range
-7.10% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Buy82Piotroski F-score 2/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 10.4%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Fail: Revenue growth > 10%: -2%
- Pass: Earnings growing: 62%
- Pass: Net margin ≥ 10%: 40.9%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter5.7%
- Institutions19.7%
- Public & other74.6%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (40.9%).
Opportunities
- Earnings growing (62% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~72% below our estimated fair value.
Bear case
Weaknesses
- Weak Piotroski score (2/9).
About The Karnataka Bank Limited
The Karnataka Bank Limited provides various banking and financial services in India. It operates through four segments: Treasury operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The Corporate/Wholesale Banking segment provides various fund and non-fund-based products, including term loans, working capital facilities, foreign exchange services, structured finance, as well as trade financing products, such as letters of credit, guarantees,
The Karnataka Bank Limited — frequently asked questions
Is The Karnataka Bank Limited a buy, hold or sell?
StocksWizard currently rates The Karnataka Bank Limited (KTKBANK) a Strong Buy, based on a blended score of 82/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is The Karnataka Bank Limited's fair value?
Our blended DCF and relative-valuation model estimates The Karnataka Bank Limited's fair value at about ₹542.84, versus a current price of ₹315.95 — roughly 72% upside. On that basis the stock looks undervalued by 72%.
Is The Karnataka Bank Limited financially healthy?
The Karnataka Bank Limited scores 76/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has The Karnataka Bank Limited's share price performed?
The Karnataka Bank Limited is up 14% over three months, and last traded at ₹315.95. Past performance doesn't predict future returns.
More in Financial Services
View allOur 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.