Karnataka Bank Intrinsic Value
KTKBANK Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹405.12 | ₹324.10 - ₹486.14 | +99.5% | EPS: ₹33.76, Sector P/E: 12x |
| Book Value Method | asset | ₹255.77 | ₹230.19 - ₹281.35 | +26.0% | Book Value/Share: ₹319.71, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹266.98 | ₹240.28 - ₹293.68 | +31.5% | Revenue/Share: ₹266.98, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹222.22 | ₹200.00 - ₹244.44 | +9.4% | EBITDA: ₹1680.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹81.22 | ₹64.98 - ₹97.46 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹216.06 | ₹194.45 - ₹237.67 | +6.4% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹278.18 | ₹250.36 - ₹306.00 | +37.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹405.08 | ₹364.57 - ₹445.59 | +99.5% | ROE: 10.6%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹492.80 | ₹443.52 - ₹542.08 | +142.7% | EPS: ₹33.76, BVPS: ₹319.71 |
Want to compare with current market value? Check KTKBANK share price latest .
Valuation Comparison Chart
KTKBANK Intrinsic Value Analysis
What is the intrinsic value of KTKBANK?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Karnataka Bank (KTKBANK) is ₹266.98 (median value). With the current market price of ₹203.04, this represents a +31.5% variance from our estimated fair value.
The valuation range spans from ₹81.22 to ₹492.80, indicating ₹81.22 - ₹492.80.
Is KTKBANK undervalued or overvalued?
Based on our multi-method analysis, Karnataka Bank (KTKBANK) appears to be trading below calculated value by approximately 31.5%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.16 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 10.6% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 70.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.08x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Karnataka Bank
Additional stock information and data for KTKBANK
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹210 Cr | ₹-136 Cr | Positive Operating Cash Flow | 6/10 |
| March 2024 | ₹681 Cr | ₹497 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹1,830 Cr | ₹1,786 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹-468 Cr | ₹-496 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹3,368 Cr | ₹3,325 Cr | Positive Free Cash Flow | 8/10 |