Karnataka Bank Intrinsic Value
Karnataka Bank (KTKBANK) median intrinsic value is ₹281.06 from 9 valuation models (range ₹108–₹557), vs current price ₹269.35 — +4.3% upside (Trading Near Calculated Value), margin of safety 4.2%. Browse Karnataka Bank financial data for revenue, profit, balance sheet and cash flow data.
KTKBANK Valuation Methods Summary — DCF, Graham Number & P/E
Karnataka Bank intrinsic value across 9 models vs current price ₹269.35 — upside/downside and value range per method. Also explore Karnataka Bank stock price data download to track price trends across different timeframes.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹518.40 | ₹414.72 - ₹622.08 | +92.5% | EPS: ₹43.20, Sector P/E: 12x |
| Book Value Method | asset | ₹255.77 | ₹230.19 - ₹281.35 | -5.0% | Book Value/Share: ₹319.71, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹281.06 | ₹252.95 - ₹309.17 | +4.3% | Revenue/Share: ₹281.06, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹277.78 | ₹250.00 - ₹305.56 | +3.1% | EBITDA: ₹2100.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹107.74 | ₹86.19 - ₹129.29 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹276.48 | ₹248.83 - ₹304.13 | +2.6% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹355.97 | ₹320.37 - ₹391.57 | +32.2% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹518.10 | ₹466.29 - ₹569.91 | +92.4% | ROE: 13.5%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹557.46 | ₹501.71 - ₹613.21 | +107.0% | EPS: ₹43.20, BVPS: ₹319.71 |
KTKBANK Intrinsic Value vs Market Price — All Valuation Models
Karnataka Bank fair value range ₹108–₹557 vs current market price ₹269.35 across 9 valuation models. For current market price and key ratios, visit KTKBANK stock price BSE.
KTKBANK Intrinsic Value Analysis — Undervalued or Overvalued?
Karnataka Bank median intrinsic value ₹281.06, current price ₹269.35 — Trading Near Calculated Value by 4.3%, margin of safety 4.2%.
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 ₹281.06 (median value). With the current market price of ₹269.35, this represents a +4.3% variance from our estimated fair value.
The valuation range spans from ₹107.74 to ₹557.46, indicating ₹107.74 - ₹557.46.
Is KTKBANK undervalued or overvalued?
Based on our multi-method analysis, Karnataka Bank (KTKBANK) appears to be trading near calculated value by approximately 4.3%.
KTKBANK Financial Health — Key Ratios vs Industry Benchmarks
Karnataka Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 | 13.5% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 68.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.09x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
KTKBANK Cash Flow Quality — Operating & Free Cash Flow
Karnataka Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |