Karur Vysya Bank (BOM:590003) Margin of Safety % (DCF Earnings Based): 17.22% (As of Aug. 30, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:590003 Karur Vysya Bank Ltd BOM:590003
71 GF Score
Price ₹345.95
GF Value ₹257.63
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Karur Vysya Bank Margin of Safety % (DCF Earnings Based)?

Karur Vysya Bank BOM:590003 -0.16% 71 Margin of Safety % (DCF Earnings Based) is 17.22% as of Aug. 30, 2026. GuruFocus rates BOM:590003 with a GF Score™ of 71/100 and a GF Value™ of ₹257.63 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-08-30), Karur Vysya Bank's Predictability Rank is 2.5-Stars. Karur Vysya Bank's intrinsic value calculated from the Discounted Earnings model is ₹417.89 and current share price is ₹345.95. Consequently,

Karur Vysya Bank's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 17.22%.

Karur Vysya Bank Margin of Safety % (DCF Earnings Based) Competitor Comparison

For the Banks - Regional subindustry, Karur Vysya Bank's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Karur Vysya Bank Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Karur Vysya Bank's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Karur Vysya Bank's Margin of Safety % (DCF Earnings Based) falls into.


BOM:590003
71GF Score
Karur Vysya Bank Ltd BOM:590003
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Karur Vysya Bank Margin of Safety % (DCF Earnings Based) Calculation

Karur Vysya Bank's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(417.89-345.95)/417.89
=17.22 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 17.22% mean?
Karur Vysya Bank (BOM:590003) has a Margin of Safety % (DCF Earnings Based) of 17.22% as of Aug. 30, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Karur Vysya Bank.
Is Karur Vysya Bank's Margin of Safety % (DCF Earnings Based) too high?
Karur Vysya Bank's current Margin of Safety % (DCF Earnings Based) is 17.22%. Overall, Karur Vysya Bank has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Karur Vysya Bank's Margin of Safety % (DCF Earnings Based) compare to competitors?
Karur Vysya Bank's Margin of Safety % (DCF Earnings Based) of 17.22% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Karur Vysya Bank. Karur Vysya Bank's current Margin of Safety % (DCF Earnings Based) is 17.22%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Karur Vysya Bank stock overvalued right now?
Based on GuruFocus' analysis, Karur Vysya Bank (BOM:590003) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹257.63, compared to a current price of ₹345.95 — trading 34.3% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 17.22%. Karur Vysya Bank's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Karur Vysya Bank (BOM:590003), the current Margin of Safety % (DCF Earnings Based) is 17.22% as of Aug. 30, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Karur Vysya Bank (BOM:590003) Overvalued in 2026?

Based on GuruFocus' analysis, Karur Vysya Bank stock appears to be overvalued. The current stock price of ₹345.95 is trading 34.3% above its estimated GF Value™ of ₹257.63. GuruFocus considers Karur Vysya Bank to be Significantly Overvalued.

Key valuation signals for BOM:590003:

  • Margin of Safety % (DCF Earnings Based): 17.22%
  • GF Value™: ₹257.63 vs. price of ₹345.95 (34.3% above fair value)
  • GF Score™: 71/100 with 3 warning signs

No single metric tells the full story. See the BOM:590003 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Karur Vysya Bank Business Description

Other Exchanges KARURVYSYA:India
Address No. 20, Erode Road, Vadivel Nagar, L.N.S., Karur, TN, IND, 639002
Karur Vysya Bank Ltd is a provider of banking products and financial services headquartered in India. The bank's customers are both individuals and corporations, with individual customers generating the maximum amount of revenue for the bank. The company generates all of its revenue domestically through three main segments: Treasury operations, Corporate/Wholesale banking operations, Retail banking operations, and Others. Maximum revenue is derived from its Retail banking segment, which provides savings accounts, loans, deposits, insurance, and mutual funds. Geographically, the company operates only in India.
71GF Score

Get the complete analysis for BOM:590003

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹345.95
Price
₹257.63
GF Value