TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Jun 2025

Income Metrics

Revenue 11.1B
Net Income 2.9B 26.26%
EPS (Diluted) ₹7.72

Balance Sheet Metrics

Total Assets 1.2T
Total Liabilities 1.1T
Shareholders Equity 120.8B
Debt to Equity 9.01

Cash Flow Metrics

Revenue & Profitability Trend

Karnataka Bank Income Statement From 2021 to 2025

Metric20252024202320222021
Revenue i45.8B46.3B41.8B34.4B35.9B
Cost of Goods Sold i-----
Gross Profit i-----
Gross Margin % i0.0%0.0%0.0%0.0%0.0%
Operating Expenses
Research & Development i-----
Selling, General & Administrative i277.2M279.1M261.2M202.7M198.3M
Other Operating Expenses i7.8B6.9B4.0B8.0B4.3B
Total Operating Expenses i8.1B7.2B4.2B8.2B4.5B
Operating Income i-----
Operating Margin % i0.0%0.0%0.0%0.0%0.0%
Non-Operating Items
Interest Income i-----
Interest Expense i-----
Other Non-Operating Income-----
Pre-tax Income i16.4B15.6B14.4B6.9B4.8B
Income Tax i3.7B2.6B2.6B1.9B1.3B
Effective Tax Rate % i22.4%16.4%18.1%26.8%26.8%
Net Income i12.7B13.1B11.8B5.1B4.8B
Net Margin % i27.8%28.2%28.2%14.8%13.4%
Key Metrics
EBITDA i-----
EPS (Basic) i₹33.70₹39.85₹37.87₹16.36₹15.52
EPS (Diluted) i₹33.63₹39.67₹37.64₹16.29₹15.48
Basic Shares Outstanding i377657280327846831311541947310947545310869689
Diluted Shares Outstanding i377657280327846831311541947310947545310869689

Income Statement Trend

Karnataka Bank Balance Sheet From 2021 to 2025

Metric20252024202320222021
Assets
Current Assets
Cash & Equivalents i160.2B163.4B116.2B44.4B53.2B
Short-term Investments i-----
Accounts Receivable i-----
Inventory i-----
Other Current Assets-----
Total Current Assets i-----
Non-Current Assets
Property, Plant & Equipment i17.0B15.8B14.6B13.7B13.4B
Goodwill i-----
Intangible Assets i-----
Long-term Investments-----
Other Non-Current Assets-----
Total Non-Current Assets i-----
Total Assets i1.2T1.2T---
Liabilities
Current Liabilities
Accounts Payable i1.2B907.4M897.2M683.4M605.3M
Short-term Debt i-----
Current Portion of Long-term Debt-----
Other Current Liabilities-----
Total Current Liabilities i-----
Non-Current Liabilities
Long-term Debt i19.4B24.0B15.6B14.6B17.6B
Deferred Tax Liabilities i-----
Other Non-Current Liabilities-----
Total Non-Current Liabilities i-----
Total Liabilities i1.1T1.1T---
Equity
Common Stock i3.8B3.8B3.1B3.1B3.1B
Retained Earnings i1.9B2.1B1.6B1.4B853.6M
Treasury Stock i-----
Other Equity-----
Total Shareholders Equity i120.8B108.5B82.1B70.9B66.4B
Key Metrics
Total Debt i19.4B24.0B15.6B14.6B17.6B
Working Capital i00000

Balance Sheet Composition

Karnataka Bank Cash Flow Statement From 2021 to 2025

Metric20252024202320222021
Operating Activities
Net Income i12.7B13.1B11.8B5.1B4.8B
Depreciation & Amortization i-----
Stock-Based Compensation i6.2M9.1M0--
Working Capital Changes i-5.2B-20.8B-14.7B01.9B
Operating Cash Flow i8.4B-6.8B-1.9B6.3B8.0B
Investing Activities
Capital Expenditures i-1.6B-1.1B-870.3M-559.3M-869.1M
Acquisitions i0-2.5M-5.0M-5.0M-5.0M
Investment Purchases i-----
Investment Sales i-----
Investing Cash Flow i-1.6B-1.1B-875.4M-564.3M-874.1M
Financing Activities
Share Repurchases i-----
Dividends Paid i-2.1B-1.6B-1.2B-559.6M-
Debt Issuance i6.2B2.5B985.5M--
Debt Repayment i----3.0B-8.9B
Financing Cash Flow i4.1B15.8B-194.4M-3.5B-8.8B
Free Cash Flow i468.5M2.5B17.4B-5.2B32.8B
Net Change in Cash i11.0B7.9B-2.9B2.2B-1.8B

Cash Flow Trend

Karnataka Bank Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 5.64
Forward P/E 4.67
Price to Book 0.54
Price to Sales 1.54
PEG Ratio -0.21

Profitability Ratios

Profit Margin 27.38%
Operating Margin 35.54%
Return on Equity 10.53%
Return on Assets 1.05%

Financial Health

Debt to Equity 0.16
Beta 0.60

Per Share Data

EPS (TTM) ₹30.77
Book Value per Share ₹319.56
Revenue per Share ₹112.61

Peer Financial Comparison

CompanyMarket CapP/E RatioP/B RatioROEProfit MarginDebt/Equity
ktkbank65.8B5.640.5410.53%27.38%0.16
HDFC Bank Limited 14.8T21.752.7313.93%25.79%1.06
ICICI Bank 9.8T18.672.9717.88%25.74%0.62
RBL Bank 169.1B28.891.074.58%7.97%0.88
Jammu and Kashmir 119.9B5.330.7914.65%30.38%0.16
Ujjivan Small 95.3B17.841.549.03%14.73%0.47

Financial data is updated regularly. All figures are in the company's reporting currency.