Karnataka Bank

Bank - Private
₹338.85
+3.25%
Prev close ₹328.20
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Karnataka Bank Share Price Chart

Karnataka Bank last traded at ₹338.85 (2026-10-13). Over the past month the stock moved +2.1%, three months the stock moved +26.6%, year the stock moved +92.6%. Its closing range over 52 weeks is ₹171.93 – ₹343.00, with the latest close 1.2% below the high.

Closing prices up to 2026-10-13.

About Karnataka Bank

Karnataka Bank is engaged in providing a wide range of banking & financial services involving retail, corporate banking and para-banking activities in addition to treasury and foreign exchange business.[1]

Services Offerings:[1] a) Retail and Personal Banking: Loans for houses, vehicles, gold, LAP, Personal loans, and Education Loan. b) MSME: Working capital finance, Term loans & infrastructure finance, Business development loans, Corporate loans, and Professional & self-employed loans. c) Agriculture Banking: Agriculture & allied activities, Farm development, Agricultural land purchase, Farm mechanization, etc.

Fundamentals

Market Cap₹12700.56 Cr
52W High₹345.90
52W Low₹170
P/E Ratio8.84
P/B Ratio0.93
EPS₹37.99
Dividend Yield1.49%
ROE (3yr)12%
Sales Growth (3yr)7%
Profit Growth (3yr)4%

Quarterly Results

In the latest quarter (Jun 2026), Karnataka Bank reported sales of ₹2,383.00 crore (+5.4%) and net profit of ₹419.00 crore (+43.5%), compared with the same quarter last year.

Karnataka Bank quarterly results (₹ crore)
PeriodSalesOperating profitOPM %Net profitEPS (₹)
Jun 20262,383196.008.00419.0011.08
Mar 20262,257126.006.00408.0010.79
Dec 20252,22055.002.00291.007.69
Sep 20252,17977.004.00319.008.44
Jun 20252,261-2.000.00292.007.74
Mar 20252,258-84.00-4.00252.006.68
Dec 20242,24357.003.00284.007.50
Sep 20242,234159.007.00336.008.90
Year-on-year change vs the same quarter last year
Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales growth+10.2%+6.2%+2.6%-0.7%-2.5%-1.0%-0.0%+5.4%
Operating profit growth+3.9%-18.6%–-100.8%-51.6%-3.5%––
Net profit growth+1.8%-14.2%-8.0%-27.0%-5.1%+2.5%+61.9%+43.5%
EPS growth-15.7%-21.5%-8.1%-27.0%-5.2%+2.5%+61.5%+43.2%
OPM %7.0%3.0%-4.0%0.0%4.0%2.0%6.0%8.0%

Colour scale: below -5% -5% to 0% 0% to 5% 5% to 20% 20% and above. A dash means the earlier figure was zero or negative, so a percentage is not meaningful.

Annual Financials

In the latest year (Mar 2026), Karnataka Bank reported sales of ₹8,918.00 crore (-1.1%) and net profit of ₹1,310.00 crore (+3.0%), compared with the previous year.

Karnataka Bank annual profit & loss (₹ crore)
PeriodSalesOperating profitOPM %Net profitEPS (₹)
Mar 20268,918255.003.001,31034.65
Mar 20259,014371.004.001,27233.67
Mar 20248,299316.004.001,30634.63
Mar 20237,220535.007.001,18037.79
Mar 20226,222-186.00-3.00509.0016.35
Mar 20216,232-719.00-12.00483.0015.52
Mar 20206,475-676.00-10.00432.0013.89
Mar 20195,906-340.00-6.00477.0015.35
Year-on-year change vs the previous year
Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Sales growth+8.9%+9.6%-3.8%-0.2%+16.0%+14.9%+8.6%-1.1%
Operating profit growth–––––-40.9%+17.4%-31.3%
Net profit growth+46.3%-9.4%+11.8%+5.4%+131.8%+10.7%-2.6%+3.0%
EPS growth+46.6%-9.5%+11.7%+5.3%+131.1%-8.4%-2.8%+2.9%
OPM %-6.0%-10.0%-12.0%-3.0%7.0%4.0%4.0%3.0%

Colour scale: below -5% -5% to 0% 0% to 5% 5% to 20% 20% and above. A dash means the earlier figure was zero or negative, so a percentage is not meaningful.

AI Analysis

Recommendation: Buy

Karnataka Bank is trading at ₹227.15, up 35.57% YoY and above both 50-day (₹205.72) and 200-day (₹191.92) moving averages, signaling strong momentum in a mid-cap banking segment. The stock trades at P/E 7.54 vs. industry 17.27 (56% discount) and P/B 0.68, indicating significant undervaluation relative to peers, though recent quarterly results show margin compression (OPM declining from 9% in Dec 2022 to 2% in Dec 2025) and net profit volatility despite 20% revenue growth over 3 years. Primary risk is deteriorating operational efficiency and potential NPA pressure in the private banking sector amid rising rates.

Key Strengths:
  • Trading at 56% discount to industry P/E (7.54 vs 17.27) with P/B of 0.68, indicating deep value opportunity in mid-cap banking
  • Strong YoY price momentum of 35.57% with consistent positioning above 50-day and 200-day moving averages, confirming technical uptrend in mid-cap segment
  • Revenue CAGR of ~7% over 3 years (₹1,851 to ₹2,220 Cr) with 2.17% dividend yield, providing inflation-hedge income characteristics typical of mature private banks
Key Risks:
  • Operating margin compressed by 80% (from 9% in Dec 2022 to 2% in Dec 2025) despite 20% revenue growth, signaling structural profitability deterioration likely due to rising cost-of-funds and credit cost inflation
  • Net profit volatility with Dec 2024 decline to ₹284 Cr (down 14% YoY) despite revenue growth, suggesting asset quality stress or elevated provisioning in private banking NPA cycle

AI-generated analysis for informational purposes only — not SEBI-registered investment advice.

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Frequently Asked Questions

What is Karnataka Bank's current stock price?

Karnataka Bank shares were last quoted at ₹338.85 (+3.2% on the day). Use the Refresh price button on this page for the latest available price. Prices are for information only.

What is the P/E ratio of Karnataka Bank?

Karnataka Bank has a price-to-earnings (P/E) ratio of 8.84 and a price-to-book (P/B) ratio of 0.93. The industry P/E is 18.25.

What is the 52-week high and low of Karnataka Bank?

The 52-week high of Karnataka Bank is ₹345.90 and the 52-week low is ₹170.00.

What is the market cap of Karnataka Bank?

The market capitalisation of Karnataka Bank is about ₹12,700.56 crore.

How did Karnataka Bank perform in its latest quarterly results?

In the latest quarter (Jun 2026), Karnataka Bank reported sales of ₹2,383.00 crore (+5.4%) and net profit of ₹419.00 crore (+43.5%), compared with the same quarter last year.

Is Karnataka Bank a good stock to buy?

This page is for information and is not investment advice. As per the data shown here, Karnataka Bank has a 3-year ROE of 12.00%, 3-year profit growth of 4.00%. Review the fundamentals, quarterly results and AI analysis on StockSpin, and consult a SEBI-registered adviser before investing.

Which sector does Karnataka Bank belong to?

Karnataka Bank belongs to the Bank - Private sector.

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