Karur Vysya Bank Intrinsic Value
Karur Vysya Bank (KARURVYSYA) median intrinsic value is ₹657.13 from 9 valuation models (range ₹223–₹847), vs current price ₹338.90 — +93.9% upside (Trading Below Calculated Value), margin of safety 48.4%. Analyse Karur Vysya Bank ownership structure to track promoter, FII and institutional holdings.
KARURVYSYA Valuation Methods Summary — DCF, Graham Number & P/E
Karur Vysya Bank intrinsic value across 9 models vs current price ₹338.90 — upside/downside and value range per method. Read Karur Vysya Bank dividend payments for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹310.80 | ₹248.64 - ₹372.96 | -8.3% | EPS: ₹25.90, Sector P/E: 12x |
| Book Value Method | asset | ₹592.80 | ₹533.52 - ₹652.08 | +74.9% | Book Value/Share: ₹740.99, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹677.80 | ₹610.02 - ₹745.58 | +100.0% | Revenue/Share: ₹786.65, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹677.80 | ₹610.02 - ₹745.58 | +100.0% | EBITDA: ₹3005.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹847.25 | ₹677.80 - ₹1016.70 | +150.0% | CF Growth: 7.5%, Discount: 15% |
| PEG Ratio Method | growth | ₹414.40 | ₹372.96 - ₹455.84 | +22.3% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹222.74 | ₹200.47 - ₹245.01 | -34.3% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹677.80 | ₹610.02 - ₹745.58 | +100.0% | ROE: 19.3%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹657.13 | ₹591.42 - ₹722.84 | +93.9% | EPS: ₹25.90, BVPS: ₹740.99 |
KARURVYSYA Intrinsic Value vs Market Price — All Valuation Models
Karur Vysya Bank fair value range ₹223–₹847 vs current market price ₹338.90 across 9 valuation models. For current market price and key ratios, visit Karur Vysya Bank stock price NSE.
KARURVYSYA Intrinsic Value Analysis — Undervalued or Overvalued?
Karur Vysya Bank median intrinsic value ₹657.13, current price ₹338.90 — Trading Below Calculated Value by 93.9%, margin of safety 48.4%.
What is the intrinsic value of KARURVYSYA?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Karur Vysya Bank (KARURVYSYA) is ₹657.13 (median value). With the current market price of ₹338.90, this represents a +93.9% variance from our estimated fair value.
The valuation range spans from ₹222.74 to ₹847.25, indicating ₹222.74 - ₹847.25.
Is KARURVYSYA undervalued or overvalued?
Based on our multi-method analysis, Karur Vysya Bank (KARURVYSYA) appears to be trading below calculated value by approximately 93.9%.
KARURVYSYA Financial Health — Key Ratios vs Industry Benchmarks
Karur Vysya 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 | 0.10 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 19.3% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 66.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.11x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
KARURVYSYA Cash Flow Quality — Operating & Free Cash Flow
Karur Vysya 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 | ₹4,487 Cr | ₹3,412 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹2,954 Cr | ₹2,306 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹1,217 Cr | ₹582 Cr | Positive Free Cash Flow | 7/10 |
| March 2022 | ₹296 Cr | ₹-501 Cr | Positive Operating Cash Flow | 6/10 |
| March 2021 | ₹3,366 Cr | ₹2,677 Cr | Positive Free Cash Flow | 8/10 |