Subscribe

The Karnataka Bank Limited (KTKBANK.NS)

INR274.95 +0.80 (+0.29%)
IN NSE Financial Services Banks - Regional
Address Mahaveera Circle 575002
Mangalore, IN
CEO Raghavendra Srinivas Bhat
IPO 2000-05-10
ISIN INE614B01018

Explore sections of this company profile

Also trades on Bombay Stock Exchange · KTKBANK.BO (INR) National Stock Exchange of India · KTKBANK.NS (INR)
Description

The Karnataka Bank Limited, founded in 1924 and headquartered in Mangalore, India, provides a broad spectrum of personal and business banking products and services across the nation. The bank organizes its operations into four main segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. Its comprehensive financial offerings include various savings, current, and deposit accounts, alongside specialized options for non-resident customers. The lending portfolio is extensive, covering everything from vehicle, home, education, and personal loans to specific financing for MSMEs, women entrepreneurs, gold-backed loans, property loans, and agricultural credit. Beyond traditional banking, the bank issues a range of cards (debit, credit, gift, etc.), offers life, general, and health insurance products, and provides investment opportunities. Additionally, The Karnataka Bank delivers full-service forex solutions, facilitates remittances, and supports merchants with Point of Sale payment systems and institutions with the KBL e-COLLECT fee processing platform. Customers can also access modern conveniences such as internet and mobile banking, mutual funds, demat and online trading services, locker facilities, and funds transfer options. As of March 31, 2022, the bank maintained a substantial presence with 877 branches, 885 ATMs, and 563 cash recyclers.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
INR274.95 +0.80 (+0.29%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
3M
Beta
0.30
Float Shares
335.61M
Free Float %
88.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+2.67% +9.68% +8.20% +33.58% +43.49% +31.80% +36.54% +96.48% +288.04% +202.42% +4,035.11%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
274.95
DCF (Unlevered) 238.53 -13.2%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 2 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.25
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +0.4% Q1'26: -0.9% (vs Q1'25)
  • EPS growth
    +2.9% Q1'26: +61.6% (vs Q1'25)
  • FCF margin
    Q1'26: +86.4% (vs Q1'25)
  • EBIT margin
    Q1'26: +19.8% (vs Q1'25)
  • ROIC
    Q1'26: +15.1% (vs Q1'25)
  • Share dilution
    +0.1% Q1'26: 0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 2.54× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.95) × ERP
WACC = 66% × Ke + 34% × Kd (108.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 238.44 Current price: 274.95
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2006
actual
Mar 2008
actual
Mar 2012
actual
Mar 2013
actual
Mar 2014
actual
Mar 2015
actual
Mar 2016
actual
Mar 2017
actual
Mar 2018
actual
Mar 2019
actual
Mar 2020
actual
Mar 2021
actual
Mar 2022
actual
Mar 2023
actual
Mar 2024
actual
Mar 2025
actual
Mar 2026
1 Rev. Ana.
1 EPS Ana.
Mar 2027
1 Rev. Ana.
2 EPS Ana.
Mar 2028
1 Rev. Ana.
1 EPS Ana.
Mar 2029
1 Rev. Ana.
1 EPS Ana.
Revenue
11.85B
est: 3.80B (+212.0%)
17.98B
est: 7.27B (+147.2%)
33.94B
est: 7.35B (+361.8%)
41.95B
est: 10.12B (+314.6%)
46.66B
est: 16.31B (+186.1%)
52.65B
est: 17.77B (+196.2%)
55.23B
est: 36.64B (+50.7%)
59.91B
est: 22.13B (+170.7%)
62.81B
est: 27.26B (+130.4%)
68.79B
est: 29.29B (+134.8%)
77.42B
est: 34.26B (+126.0%)
75.68B
est: 37.44B (+102.1%)
71.66B
est: 33.58B (+113.4%)
82.13B
est: 40.07B (+105.0%)
96.17B
est: 41.72B (+130.5%)
102.83B
est: 45.52B (+125.9%)
43.44B
43.44B – 43.44B
-4.6% YoY
49.89B
49.89B – 49.89B
+14.9% YoY
56.38B
55.92B – 56.83B
+13.0% YoY
64.49B
64.49B – 64.49B
+14.4% YoY
EBITDA
2.04B
est: 405.40M (+402.9%)
2.70B
est: 776.29M (+247.2%)
3.11B
est: 784.31M (+295.9%)
4.88B
est: 1.08B (+352.1%)
4.34B
est: 1.74B (+149.5%)
5.45B
est: 1.90B (+187.4%)
5.70B
est: 3.91B (+45.8%)
5.18B
est: 2.36B (+119.1%)
3.76B
est: 2.91B (+29.1%)
6.62B
est: 3.13B (+111.7%)
5.86B
est: 3.66B (+60.2%)
6.85B
est: 4.00B (+71.5%)
7.68B
est: 3.58B (+114.2%)
15.27B
est: 4.28B (+257.0%)
est: 9.26B (-100.0%)
17.26B
est: 10.10B (+71.0%)
9.64B
9.64B – 9.64B
-4.6% YoY
11.07B
11.07B – 11.07B
+14.9% YoY
12.51B
12.41B – 12.61B
+13.0% YoY
14.31B
14.31B – 14.31B
+14.4% YoY
EBIT
1.76B
est: 370.32M (+375.4%)
2.42B
est: 5.15B (-53.1%)
2.89B
est: 5.21B (-44.6%)
4.64B
est: 3.97B (+16.8%)
4.09B
est: 7.48B (-45.4%)
5.59B
est: 4.43B (+26.2%)
5.28B
est: 5.85B (-9.7%)
4.68B
est: 6.34B (-26.2%)
3.26B
est: 5.79B (-43.7%)
6.08B
est: 3.34B (+81.9%)
5.22B
est: 6.86B (-23.9%)
6.12B
est: 5.35B (+14.4%)
6.94B
est: 5.58B (+24.3%)
14.40B
est: 5.68B (+153.7%)
-718.79M
est: 8.87B (-108.1%)
16.41B
est: 9.68B (+69.6%)
9.23B
9.23B – 9.23B
-4.6% YoY
10.61B
10.61B – 10.61B
+14.9% YoY
11.98B
11.89B – 12.08B
+13.0% YoY
13.71B
13.71B – 13.71B
+14.4% YoY
Net Income
1.76B
est: 3.80B (-53.6%)
2.42B
est: 5.02B (-51.9%)
2.46B
est: 3.41B (-27.7%)
3.48B
est: 3.39B (+2.7%)
3.11B
est: 5.61B (-44.6%)
4.51B
est: 3.37B (+33.9%)
4.15B
est: 4.72B (-12.0%)
4.52B
est: 4.99B (-9.3%)
3.26B
est: 5.59B (-41.8%)
4.77B
est: 3.51B (+36.0%)
4.32B
est: 5.39B (-19.9%)
4.82B
est: 4.42B (+9.1%)
5.08B
est: 4.62B (+10.0%)
11.80B
est: 4.70B (+151.2%)
13.07B
est: 14.70B (-11.1%)
12.73B
est: 13.50B (-5.7%)
12.12B
12.12B – 12.12B
-10.2% YoY
14.52B
13.00B – 15.56B
+19.8% YoY
15.91B
15.91B – 15.91B
+9.6% YoY
18.48B
18.48B – 18.48B
+16.2% YoY
SGA
56.71M
est: 123.26M (-54.0%)
90.86M
est: 231.37M (-60.7%)
88.61M
est: 4.87B (-98.2%)
89.40M
est: 328.32M (-72.8%)
100.25M
est: 13.81B (-99.3%)
125.67M
est: 12.50B (-99.0%)
132.16M
est: 11.67B (-98.9%)
127.03M
est: 15.82B (-99.2%)
147.02M
est: 22.66B (-99.4%)
158.79M
est: 26.96B (-99.4%)
175.74M
est: 25.96B (-99.3%)
9.65B
est: 29.75B (-67.6%)
202.67M
est: 31.06B (-99.3%)
261.20M
est: 31.59B (-99.2%)
279.08M
est: 2.39B (-88.3%)
15.50B
est: 2.61B (+494.5%)
2.49B
2.49B – 2.49B
-4.6% YoY
2.86B
2.86B – 2.86B
+14.9% YoY
3.23B
3.20B – 3.26B
+13.0% YoY
3.69B
3.69B – 3.69B
+14.4% YoY
EPS
9.91
est: 10.03 (-1.2%)
13.60
est: 13.33 (+2.0%)
9.68
est: 9.29 (+4.2%)
13.68
est: 14.77 (-7.4%)
12.22
est: 13.19 (-7.4%)
17.74
est: 16.51 (+7.4%)
17.89
est: 16.92 (+5.7%)
17.62
est: 17.40 (+1.3%)
10.47
est: 13.56 (-22.8%)
15.35
est: 17.38 (-11.7%)
13.89
est: 13.90 (-0.1%)
15.52
est: 16.38 (-5.2%)
16.34
est: 14.90 (+9.7%)
37.87
est: 33.70 (+12.4%)
39.85
est: 38.82 (+2.7%)
33.70
est: 35.65 (-5.5%)
32.00
32.00 – 32.00
-10.2% YoY
37.70
34.31 – 41.09
+17.8% YoY
42.00
42.00 – 42.00
+11.4% YoY
48.80
48.80 – 48.80
+16.2% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-21 B 3/5 1/5 3/5 3/5 2/5 3/5 4/5
2026-05-20 B 3/5 1/5 3/5 3/5 2/5 3/5 4/5
2026-05-19 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5
2026-05-18 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5
2026-05-15 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-05-14 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-05-13 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-05-12 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-05-11 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-05-08 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-05-07 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-05-06 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-05-05 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-05-04 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-04-30 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-04-29 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-04-28 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-04-27 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-04-24 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-04-23 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-04-22 C 2/5 3/5 1/5 1/5 1/5 4/5 1/5
2026-04-21 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-20 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-17 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-16 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
23.18B
OE per share TTM
61.22
Owner's Yield
22.64%
Maintenance CapEx ratio
12.25%
Maint CapEx / Avg PPE
10.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.86M
Shares Outstanding
378.18M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
S. Raja Chief Operating Officer 4M male
J. Vinaya Bhat Head of Compliance Department & Chief Compliance Officer & principal off male
Nagaraja Upadhyaya GM & Head of Credit Monitoring Department male
Niranjan Kumar Head of HR & IR Department & Chief Human Resources Officer male
Raghavendra Srinivas Bhat MD, Chief Executive Officer & Additional Director male
Raghurama H. S. Rao Deputy GM & Chief Risk Officer male
Ravichandran S. GM & Head of Credit Sanctions Department male
Srinivas Deshpande Assistant GM of Public Relations male
Anantha Padmanabha Head of Special Projects male
Vijayakumar Chief Financial Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits