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Karur Vysya BankBOM:590003 -0.16%71 Net Margin % is 40.53% as of Jun. 2026, which is 100% above its 10-year median of 20.27. 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. Among 1,523 Banks companies, Karur Vysya Bank ranks better than 78.99% on this metric.
Karur Vysya Bank (BOM:590003) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Karur Vysya Bank Net Margin % Related Terms
Karur Vysya Bank Net Margin % Historical Data
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The historical data trend for Karur Vysya Bank's Net Margin % can be seen below:
* 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.
Karur Vysya Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Karur Vysya Bank's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Karur Vysya Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Karur Vysya Bank's Net Margin % falls into.
* 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.
Karur Vysya Bank (BOM:590003) has a Net Margin % of 40.53% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Karur Vysya Bank and its competitors. This is 100% above median its historical median of 20.27. Over the past decade, Karur Vysya Bank's Net Margin % has ranged from 6.34 to 37.29. According to the industry distribution chart, Karur Vysya Bank ranks #320 out of 1523 companies in the Banks industry, placing it in the top 21%.
Is Karur Vysya Bank's Net Margin % too high?
Karur Vysya Bank's current Net Margin % of 40.53% is 100% above median its 10-year median of 20.27. Over the past 10 years, this metric has ranged from a low of 6.34 to a high of 37.29. The Banks industry median Net Margin % is 27.38. Karur Vysya Bank's value of 40.53% is 48% above this industry median. Based on the distribution chart, Karur Vysya Bank ranks #320 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Net Margin % compare to competitors?
According to the Banks industry distribution chart, Karur Vysya Bank ranks #320 out of 1523 companies for Net Margin %. This places Karur Vysya Bank in the top 21% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.38. Karur Vysya Bank's value of 40.53% is 48% above this benchmark. Historically, Karur Vysya Bank's own Net Margin % has ranged from 6.34 to 37.29 over the past decade. While the company's 10-year median is 20.27 vs. the industry median of 27.38, Karur Vysya Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.38, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Karur Vysya Bank's current Net Margin % of 40.53% is 48% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Karur Vysya Bank and its competitors. For the Banks industry, the median Net Margin % is 27.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Karur Vysya Bank's current Net Margin % is 40.53%, which is 100% above median its own 10-year median of 20.27. 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 Net Margin % is 40.53%, which is 100% above median its 10-year median of 20.27 and 48% above the Banks industry median of 27.38. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Karur Vysya Bank (BOM:590003), the current Net Margin % is 40.53% as of Jun. 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:
Net Margin %: 40.53% (100% above median its 10-year median of 20.27)
GF Value™: ₹257.63 vs. price of ₹345.95 (34.3% above fair value)
Industry Position: 48% above the Banks median (#320 of 1523)
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 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
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