ScoreWhy is Karnataka Bank Ltd ?
1
The company has declared negative results in Dec'2024 after 2 consecutive positive quarters
- PBT LESS OI(Q) At Rs 56.94 cr has Fallen at -37.4 %
- PAT(Q) At Rs 283.60 cr has Fallen at -15.5 %
- NII(Q) Lowest at Rs 792.78 cr
2
Stock is technically in a Mildly Bearish range
- The stocks Bollinger Band and KST technical factors are also Bearish
3
Underperformed the market in the last 1 year
- Even though the market (BSE 500) generated negative returns of -1.00% in the last 1 year, its fall in the stock was much higher with a return of -22.09%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Private)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Karnataka Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Karnataka Bank
-21.3%
-0.75
29.33%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
7.90%
Net Profit Growth (5y)
22.66%
Advance to Deposit
73.52%
Capital Adequacy Ratio (Tier 1)
12.99%
Gross NPA (latest)
3.11%
Gross NPA (avg)
3.46%
Coverage Ratio (avg)
50.37%
Cost to Income (avg)
51.36%
Net Interest Margin (avg)
3.27%
Operating Profit to Assets (avg)
4.22%
ROA (avg)
0.83%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Price to Book Value
0.59
PEG Ratio
NA
Dividend Yield
3.04%
ROE (Latest)
11.21%
ROA (Latest)
1.20%
Net NPA to Book Value
9.21
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
GROSS NPA(Q)
Lowest at 3.11 %
NET NPA(Q)
Lowest at 1.39 %
-11What is not working for the Company
PBT LESS OI(Q)
At Rs 56.94 cr has Fallen at -37.4 %
PAT(Q)
At Rs 283.60 cr has Fallen at -15.5 %
NII(Q)
Lowest at Rs 792.78 cr
NON-OPERATING INCOME(Q)
is 83.70 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Karnataka Bank
Gross NPA - Quarterly
Lowest at 3.11 %
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net NPA - Quarterly
Lowest at 1.39 %
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for Karnataka Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 56.94 cr has Fallen at -37.4 %
over average PBT of the previous four quarters of Rs 90.95 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 283.60 cr has Fallen at -15.5 %
over average PAT of the previous four quarters of Rs 335.43 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Net Interest Income (Quarterly)
Lowest at Rs 792.78 cr
in the last five quartersMOJO Watch
The bank's income from core business is falling
Net Interest Income (Rs Cr)
Non Operating Income - Quarterly
is 83.70 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
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