Karur Vysya Bank [KARURVYSYA] vs Ujjivan Small [UJJIVANSFB] Detailed Stock Comparison

Karur Vysya Bank Ltd.

NSE
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Ujjivan Small Finance Bank Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: Karur Vysya Bank Ltd. wins in 14 metrics, Ujjivan Small Finance Bank Ltd. wins in 4 metrics, with 0 ties. Karur Vysya Bank Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Karur Vysya Bank Ltd. Ujjivan Small Finance Bank Ltd. Better
P/E Ratio (TTM) 12.48 22.54 Karur Vysya Bank Ltd.
Price-to-Book Ratio 2.24 1.74 Ujjivan Small Finance Bank Ltd.
Debt-to-Equity Ratio 0.21 0.49 Karur Vysya Bank Ltd.
PEG Ratio 0.27 -1.09 Karur Vysya Bank Ltd.
Profit Margin (TTM) 38.39% 13.02% Karur Vysya Bank Ltd.
Operating Margin (TTM) 54.80% 22.21% Karur Vysya Bank Ltd.
EBITDA Margin (TTM) 54.80% 22.21% Karur Vysya Bank Ltd.
Return on Equity 16.28% 11.94% Karur Vysya Bank Ltd.
Return on Assets (TTM) 1.63% 1.52% Karur Vysya Bank Ltd.
Free Cash Flow (TTM) $43.15B $18.61B Karur Vysya Bank Ltd.
Dividend Yield 0.99% 3.07% Ujjivan Small Finance Bank Ltd.
1-Year Return 39.94% 11.60% Karur Vysya Bank Ltd.
Price-to-Sales Ratio (TTM) 4.79 2.91 Ujjivan Small Finance Bank Ltd.
Enterprise Value $250.11B $119.07B Karur Vysya Bank Ltd.
EV/Revenue Ratio 4.18 3.14 Ujjivan Small Finance Bank Ltd.
Revenue per Share (TTM) $62 $20 Karur Vysya Bank Ltd.
Earnings per Share (Diluted) $23.80 $2.52 Karur Vysya Bank Ltd.
Beta (Stock Volatility) -0.03 0.46 Karur Vysya Bank Ltd.

Karur Vysya Bank Ltd. vs Ujjivan Small Finance Bank Ltd. Stock Performance Analysis

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KARURVYSYA
UJJIVANSFB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Karur Vysya Bank Ltd.0.12%2.81%-3.26%1.65%18.03%7.39%
Ujjivan Small Finance Bank Ltd.4.00%9.14%2.01%12.91%4.98%6.65%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Karur Vysya Bank Ltd.39.94%171.21%575.91%330.37%473.43%1,798.49%
Ujjivan Small Finance Bank Ltd.11.60%45.83%77.79%5.31%5.31%5.31%

Performance & Financial Health Analysis: Karur Vysya Bank Ltd. vs Ujjivan Small Finance Bank Ltd.

MetricKARURVYSYAUJJIVANSFB
Market Information
Market Cap i₹287.09B₹110.39B
Market Cap CategoryLarge capMid cap
10 Day Avg. Volume i3,775,87116,581,344
90 Day Avg. Volume i4,013,33514,611,474
Last Close₹289.30₹56.95
52 Week Range₹200.54 - ₹343.45₹41.32 - ₹68.00
% from 52W High-15.77%-16.25%
All-Time High₹343.45 (Feb 25, 2026)₹68.00 (Jan 23, 2026)
% from All-Time High-15.77%-16.25%
Growth Metrics
Quarterly Revenue Growth0.18%0.32%
Quarterly Earnings Growth0.39%0.71%
Financial Health
Profit Margin (TTM) i0.38%0.13%
Operating Margin (TTM) i0.55%0.22%
Return on Equity (TTM) i0.16%0.12%
Debt to Equity (MRQ) i0.210.49
Cash & Liquidity
Book Value per Share (MRQ)₹132.43₹32.73
Cash per Share (MRQ)₹64.22₹12.27
Operating Cash Flow (TTM) i₹21.28B₹8.23B
Levered Free Cash Flow (TTM) i₹19.42B₹7.26B
Dividends
Last 12-Month Dividend Yield i0.99%3.07%
Last 12-Month Dividend i₹2.60₹1.50

Valuation & Enterprise Metrics Analysis: Karur Vysya Bank Ltd. vs Ujjivan Small Finance Bank Ltd.

MetricKARURVYSYA (Apr 24, 2026)UJJIVANSFB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.4822.54
Forward P/E i10.7210.64
PEG Ratio i0.27-1.09
Price to Sales (TTM) i4.792.91
Price to Book (MRQ) i2.241.74
Market Capitalization
Market Capitalization i₹287.09B₹110.39B
Enterprise Value i₹250.11B₹119.07B
Enterprise Value Metrics
Enterprise to Revenue i4.183.14
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i-0.030.46
Book Value per Share (MRQ) i₹132.43₹32.73

Financial Statements Comparison: Karur Vysya Bank Ltd. vs Ujjivan Small Finance Bank Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricKARURVYSYA (2025)UJJIVANSFB (2025)
Revenue/Sales i55.34B43.70B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i25.91B9.42B
Pre-Tax Income % of Revenue i46.8%21.5%
Income Tax i6.49B2.15B
Income Tax % of Revenue i11.7%4.9%
Net Income (Profit) i19.42B7.26B
Profit Margin i35.1%16.6%

Balance Sheet & Liquidity Metrics

MetricKARURVYSYA (2025)UJJIVANSFB (2025)
Cash & Equivalents i78.07B31.57B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i12.17B18.55B
Long-Term Debt % of Revenue i22.0%42.5%
Total Shareholders Equity i119.30B60.83B
Retained Earnings i2.21B20.33B
Retained Earnings % of Revenue i4.0%46.5%
Property, Plant & Equipment i19.44B10.38B

Cash Flow Statement Comparison

MetricKARURVYSYA (2025)UJJIVANSFB (2025)
Operating Cash Flow i21.28B8.23B
Operating Cash Flow % of Revenue i38.5%18.8%
Capital Expenditures i-1.68B-1.65B
Free Cash Flow i43.15B18.61B
FCF Margin i78.0%42.6%
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricKARURVYSYAUJJIVANSFB
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i966.40M1.94B
Float Shares i913.96M1.90B
% Held by Insiders i0.00%1.72%
% Held by Institutions i40.08%33.94%
% Held by Public i59.92%64.34%

Dividend Analysis & Yield Comparison: Karur Vysya Bank Ltd. vs Ujjivan Small Finance Bank Ltd.

MetricKARURVYSYAUJJIVANSFB
Last 12-Month Dividend i₹2.60₹1.50
Last 12-Month Dividend Yield i0.99%3.07%
3-Year Avg Annual Dividend i₹2.33₹0.92
3-Year Avg Dividend Yield i1.24%2.46%
3-Year Total Dividends i₹7.00₹2.75
Ex-Dividend DateAug 07, 2025Jul 12, 2024