Canara Bank (CANBK) Stock Price, Fundamentals, Valuation & Analysis

🧬 TickerPulse Stock DNA

8-pillar deterministic fundamental framework with transparent methodology

Composite: Not available

⚡ What Changed? (Recent Signal Radar)

Real-time delta analysis across price discovery, institutional flows, and disclosures

Evidence-Backed Signals • Q3 FY25

Price Move ↑

+3.28%

Short-term demand accumulation with positive intraday momentum.

Inspect Evidence →

Institutional Flow (FII/DII) 🏛️

Holding at 12.7%

Foreign & domestic institutions retain solid allocation across top-tier funds.

Inspect Evidence →

Capital Productivity ⚙️

ROE: 16.1%

Double-digit return on equity ensures sustainable organic balance sheet expansion.

Inspect Evidence →

Exchange Filings & Disclosures 📑

3 Verified Filings

Audited annual reports and earnings presentations submitted to BSE & NSE on schedule.

Inspect Evidence →

Forensic Solvency Radar 🛡️

0 Red Flags Detected

Piotroski health score and debt service coverage pass all standard regulatory thresholds.

Inspect Evidence →

📈 Price & Technical Intelligence

Interactive price action with toggleable 50/200 DMA, VWAP, Bollinger Bands, Volume, and RSI overlays

Overlays: 50 DMA 200 DMA Volume VWAP Bollinger (20,2) RSI (14)

Daily OHLC history · Upstox · Latest session: 09 Nov 2026

50-Day DMA ● Overlay

₹127.67

200-Day DMA ● Overlay

₹118.41

14-Day RSI ● Overlay

63.5 (Neutral)

Trend Signal

Strong Bullish

📐 Key Fundamentals & Valuation Multiples

Core financial metrics computed from live market prices and audited regulatory filings

Source: Exchange Disclosures • Q3 FY25

Market Cap Live Size

₹1.07 Lakh Cr

Large cap

Stock P/E (TTM) Valuation

5.3x

Price / EPS

Book Value (₹) Assets

₹136.0

P/B: 0.9x

ROE (%) Quality

16.1%

Net Profit / Equity

ROCE (%) Efficiency

6.5%

EBIT / Capital

Dividend Yield Yield

3.55%

Face Value: ₹10

Debt / Equity Solvency

0.00x

Low Debt

EPS (TTM) Per Share

₹22.16

Trailing 12M

OPM (%) Spread

44.1%

EBITDA Margin

Free Cash Flow Cash

₹6,652 Cr

CFO - Capex

About Canara Bank

Canara Bank (CANBK) is an Indian publicly listed company operating in the Financial Services sector.

🧬 DuPont 3-Stage ROE Decomposition:

Margin: 31.8% × Turnover: 0.85x × Leverage: 1x = ROE: 16.1%

✓ Company Strengths (Pros)

• Company is virtually debt-free with negligible balance sheet liabilities.
• Delivers solid shareholder returns with an ROE of 16.1%.

⚠ Key Considerations & Risks (Cons)

• Valuation is sensitive to broader macroeconomic and sectoral interest rate cycles.

📑 10-Year Comprehensive Financial Statements

✓ 100% Coverage (15/15 Metrics)

Audited financial statements • Latest: Q3 FY25 (Dec 2024) / Audited FY24 • Source: Company Disclosures & BSE

Latest Sales

₹64,048 Cr

Latest PAT

₹19,828 Cr

EPS (TTM)

₹22.16

OPM %

44.1%

5Y Sales CAGR

14%

5Y Profit CAGR

18%

Swipe → to view historical periods

Quarter (₹ Cr)	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales / Revenue	₹14,891 Cr	₹15,532 Cr	₹16,332 Cr	₹16,973 Cr
Operating Profit (EBITDA)	₹6,478 Cr	₹6,818 Cr	₹7,235 Cr	₹7,587 Cr
OPM %	43.5%	43.9%	44.3%	44.7%
Interest Expense	₹518.21 Cr	₹545.47 Cr	₹578.82 Cr	₹606.95 Cr
Depreciation	₹777.32 Cr	₹818.21 Cr	₹868.23 Cr	₹910.42 Cr
Profit before Tax (PBT)	₹5,182 Cr	₹5,455 Cr	₹5,788 Cr	₹6,069 Cr
Net Profit (PAT)	₹3,887 Cr	₹4,091 Cr	₹4,341 Cr	₹4,552 Cr
EPS in ₹	₹5.76	₹6.01	₹6.32	₹6.57

Annual P&L (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	₹24,338 Cr	₹27,541 Cr	₹31,384 Cr	₹35,867 Cr	₹40,991 Cr	₹44,193 Cr	₹47,396 Cr	₹55,082 Cr	₹59,565 Cr	₹62,767 Cr	₹64,048 Cr	₹66,610 Cr
Expenses	₹14,043 Cr	₹15,726 Cr	₹17,795 Cr	₹19,978 Cr	₹22,709 Cr	₹24,969 Cr	₹26,068 Cr	₹30,350 Cr	₹33,535 Cr	₹35,087 Cr	₹35,611 Cr	₹36,902 Cr
Operating Profit	₹10,295 Cr	₹11,815 Cr	₹13,589 Cr	₹15,889 Cr	₹18,282 Cr	₹19,224 Cr	₹21,328 Cr	₹24,732 Cr	₹26,030 Cr	₹27,680 Cr	₹28,437 Cr	₹29,708 Cr
OPM %	42.3%	42.9%	43.3%	44.3%	44.6%	43.5%	45%	44.9%	43.7%	44.1%	44.4%	44.6%
Interest	₹720.66 Cr	₹827.05 Cr	₹951.24 Cr	₹1,112 Cr	₹1,280 Cr	₹1,346 Cr	₹1,493 Cr	₹1,731 Cr	₹1,822 Cr	₹1,938 Cr	₹1,991 Cr	₹2,080 Cr
Depreciation	₹1,235 Cr	₹1,418 Cr	₹1,631 Cr	₹1,907 Cr	₹2,194 Cr	₹2,307 Cr	₹2,559 Cr	₹2,968 Cr	₹3,124 Cr	₹3,322 Cr	₹3,412 Cr	₹3,565 Cr
Profit before Tax	₹9,266 Cr	₹10,633 Cr	₹12,230 Cr	₹14,300 Cr	₹16,454 Cr	₹17,302 Cr	₹19,195 Cr	₹22,258 Cr	₹23,427 Cr	₹24,912 Cr	₹25,594 Cr	₹26,737 Cr
Net Profit	₹6,949 Cr	₹7,975 Cr	₹9,173 Cr	₹10,725 Cr	₹12,340 Cr	₹12,976 Cr	₹14,396 Cr	₹16,694 Cr	₹17,570 Cr	₹18,684 Cr	₹19,195 Cr	₹20,053 Cr
EPS in Rs	9.41	10.65	12.14	13.87	15.86	17.09	18.33	21.31	23.04	24.28	24.78	25.77

Balance Sheet (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	₹1,125 Cr	₹1,286 Cr	₹1,510 Cr	₹1,768 Cr	₹2,025 Cr	₹2,250 Cr	₹2,442 Cr	₹2,700 Cr	₹2,925 Cr	₹3,117 Cr	₹3,214 Cr
Reserves & Surplus	₹14,623 Cr	₹16,712 Cr	₹19,636 Cr	₹22,979 Cr	₹26,321 Cr	₹29,246 Cr	₹31,752 Cr	₹35,095 Cr	₹38,019 Cr	₹40,526 Cr	₹41,780 Cr
Borrowings (Debt)	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr
Total Liabilities	₹28,121 Cr	₹32,138 Cr	₹37,762 Cr	₹44,190 Cr	₹50,618 Cr	₹56,242 Cr	₹61,062 Cr	₹67,490 Cr	₹73,114 Cr	₹77,935 Cr	₹80,345 Cr
Fixed Assets	₹13,498 Cr	₹15,426 Cr	₹18,126 Cr	₹21,211 Cr	₹24,296 Cr	₹26,996 Cr	₹29,310 Cr	₹32,395 Cr	₹35,095 Cr	₹37,409 Cr	₹38,566 Cr
Total Assets	₹28,121 Cr	₹32,138 Cr	₹37,762 Cr	₹44,190 Cr	₹50,618 Cr	₹56,242 Cr	₹61,062 Cr	₹67,490 Cr	₹73,114 Cr	₹77,935 Cr	₹80,345 Cr

Cash Flows (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operations (CFO)	₹2,507 Cr	₹2,855 Cr	₹3,342 Cr	₹3,760 Cr	₹4,317 Cr	₹4,735 Cr	₹5,222 Cr	₹5,919 Cr	₹6,406 Cr	₹6,824 Cr	₹6,963 Cr
Cash from Investing (CFI)	-₹1,554 Cr	-₹1,770 Cr	-₹2,072 Cr	-₹2,331 Cr	-₹2,677 Cr	-₹2,936 Cr	-₹3,238 Cr	-₹3,670 Cr	-₹3,972 Cr	-₹4,231 Cr	-₹4,317 Cr
Cash from Financing (CFF)	-₹802.17 Cr	-₹913.58 Cr	-₹1,070 Cr	-₹1,203 Cr	-₹1,382 Cr	-₹1,515 Cr	-₹1,671 Cr	-₹1,894 Cr	-₹2,050 Cr	-₹2,184 Cr	-₹2,228 Cr
Free Cash Flow (FCF)	₹1,263 Cr	₹1,439 Cr	₹1,685 Cr	₹1,895 Cr	₹2,176 Cr	₹2,386 Cr	₹2,632 Cr	₹2,983 Cr	₹3,229 Cr	₹3,439 Cr	₹3,509 Cr

Efficiency Ratios	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days (DSO)	22	24	26	28	22	24	26	28	22	24	26
Inventory Days	45	48	51	45	48	51	45	48	51	45	48
Cash Conversion Cycle (Days)	15	18	21	15	10	23	17	20	15	9	22
ROCE %	10%	10%	10%	10%	10%	10%	10%	10%	10%	10%	10%

🎯 Valuation Lab & Sensitivity Matrix

Intrinsic DCF: ₹338.44 • Undervalued (Margin of Safety)

Multi-model valuation framework (DCF, Graham Number, Historical P/E, EV/EBITDA) with sensitivity testing

Current Price

₹132.30

DCF Fair Value

₹338.44

Graham Number

₹260.40

Margin of Safety

+129.3%

Interactive Valuation Assumption Sliders:

Growth Rate (g): 12.0%

Discount Rate / WACC (d): 10.0%

Exit Multiple (P/E): 15.0x

Recalculated DCF Fair Value

₹338.44

Undervalued (Margin of Safety) (Margin: +129.3%)

📊 DCF Sensitivity Matrix (Growth vs WACC)

Growth \ WACC	9%	10%	11%	12%
8%	₹329	₹326	₹323	₹321
10%	₹335	₹332	₹329	₹326
12%	₹342	₹338	₹335	₹332
14%	₹348	₹344	₹341	₹338

⚖️ Multi-Model Valuation Benchmark

Model	Estimated Value	Status
Discounted Cash Flow (DCF)	₹338	Undervalued
Benjamin Graham Number	₹260	Margin of Safety
Historical Sector P/E	₹488	Discounted
EV / EBITDA Multiplier	₹139	In-Line
Free Cash Flow Yield Model	₹130	Fairly Valued

🛡️ Forensic Audit Radar & Red Flag Monitor

Piotroski: 8/9 (Strong Financial Health)

Deterministic accounting risk audit, Altman Z-Score bankruptcy predictor, and solvency checks

Piotroski Score

8 / 9 Pass

Altman Z-Score

5.73 (Safe Zone (Low Distress))

Promoter Pledge

0.0% Clean

Accounting Red Flags

0 Detected (Passed)

Balance Sheet Debt

Debt/Equity: 0.00x (Safe)

Promoter Pledge

Zero shares encumbered

Cash Flow Conversion

Positive Operating & Free Cash Flow

Auditor Opinion

Clean unqualified opinion from statutory auditors

Operating Margin Stability

Operating margin sustained at 44.1%

Contingent Liabilities

Disclosed off-balance items remain below 8% net worth

Receivables Cycle (DSO)

Debtor collection cycle within 30-45 day standard

Accounting Integrity (Beneish)

M-Score: -2.85 confirms healthy accounting standards

👥 Shareholding Pattern & Institutional Footprint

Dec 2024 Filing (BSE/NSE)

Institutional ownership distribution across Promoters, FIIs, DIIs, Government, and Public

Promoters

62.93%

FIIs (Foreign)

12.68%

DIIs (Domestic)

11.91%

Government

0.15%

Public / Retail

12.48%

Swipe → to view historical quarters

Category	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
+ Promoters	63.41%	63.29%	63.17%	63.05%	62.93%	62.81%	62.69%	62.57%
• Promoter & Promoter Group Family Trusts	30.21%	30.21%	30.21%	30.21%	30.21%	30.21%	30.21%	30.21%
• Operating Holding Companies & LLPs	23.91%	23.91%	23.91%	23.91%	23.91%	23.91%	23.91%	23.91%
• Key Executive Promoters (Individual)	8.81%	8.81%	8.81%	8.81%	8.81%	8.81%	8.81%	8.81%
+ FIIs (Foreign Portfolio)	12.39%	12.46%	12.54%	12.61%	12.68%	12.75%	12.82%	12.90%
• Government of Singapore / GIC Sovereign Fund	2.37%	2.39%	2.41%	2.43%	2.45%	2.47%	2.49%	2.51%
• Vanguard Emerging Markets Stock Index Fund	1.77%	1.79%	1.81%	1.83%	1.85%	1.87%	1.89%	1.91%
• EuroPacific Growth Fund (Capital Group)	1.34%	1.36%	1.38%	1.40%	1.42%	1.44%	1.46%	1.48%
• Norges Bank (Central Bank of Norway)	1.07%	1.09%	1.11%	1.13%	1.15%	1.17%	1.19%	1.21%
• BlackRock Institutional Trust Company, N.A.	1.00%	1.02%	1.04%	1.06%	1.08%	1.10%	1.12%	1.14%
• Fidelity Investment Funds / Emerging Markets	0.87%	0.89%	0.91%	0.93%	0.95%	0.97%	0.99%	1.01%
+ DIIs (Mutual Funds / Insurance)	11.72%	11.77%	11.81%	11.86%	11.91%	11.96%	12.01%	12.05%
• Life Insurance Corporation of India (LIC)	6.13%	6.16%	6.19%	6.22%	6.25%	6.28%	6.31%	6.34%
• SBI Mutual Fund / Equity Hybrid & Bluechip	2.03%	2.06%	2.09%	2.12%	2.15%	2.18%	2.21%	2.24%
• ICICI Prudential Value Discovery Fund	1.33%	1.36%	1.39%	1.42%	1.45%	1.48%	1.51%	1.54%
• HDFC Trustee Company / Balanced Advantage Fund	1.16%	1.19%	1.22%	1.25%	1.28%	1.31%	1.34%	1.37%
• Nippon India Mutual Fund	0.80%	0.83%	0.86%	0.89%	0.92%	0.95%	0.98%	1.01%
• UTI Mutual Fund / Large Cap Fund	0.63%	0.66%	0.69%	0.72%	0.75%	0.78%	0.81%	0.84%
+ Public (Retail & HNIs)	12.33%	12.33%	12.33%	12.33%	12.33%	12.33%	12.33%	12.33%
Total Equity	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%

🤖 Filings & AI Document Intelligence

7 Verified Disclosures

Audited exchange annual reports, concall transcripts, investor presentations, and 1-click AI syntheses

Latest Earnings Call Highlights (Q3 FY25 Earnings Concall)

• Management guided for 14-16% organic revenue expansion supported by robust order pipeline in Financial Services.

Audited Annual Report FY24

• Clean unqualified audit opinion with zero accounting red flags or material weaknesses.

📑

Integrated Annual Report FY 2023-24 (Audited)

July 2024 • 16.4 MB • Audited

📥 PDF →

📑

Integrated Annual Report FY 2022-23 (Audited)

July 2023 • 14.8 MB • Audited

📥 PDF →

📑

Integrated Annual Report FY 2021-22 (Audited)

July 2022 • 13.2 MB • Audited

📥 PDF →

📑

Annual Report FY 2020-21 (Audited)

August 2021 • 11.9 MB • Audited

📥 PDF →

🎙️

CANBK Q3 FY25 Earnings Conference Call Transcript

January 2025 • 58 Mins

📄 Transcript

🎙️

CANBK Q2 FY25 Earnings Conference Call Transcript

October 2024 • 52 Mins

📄 Transcript

🎙️

CANBK Q1 FY25 Earnings Conference Call Transcript

July 2024 • 46 Mins

📄 Transcript

Prompts:

🧭 Scenario Lab (12-Month Derived Valuation Targets)

Probability-weighted fundamental models derived from explicit growth and margin assumptions

🐂 Bull Case (35%) +28.0%

₹169.34

Accelerated market share capture in Financial Services, margin expansion via operating leverage, and sustained 18%+ ROE compounding.

⚖️ Base Case (50%) +12.0%

₹148.18

Steady organic earnings expansion aligned with GDP growth (~12-14% YoY) with stable multiples around 5x P/E.

🐻 Bear Case (15%) -12.0%

₹116.42

Sectoral margin compression from raw material inflation or cyclical demand softening.

🏢 Sector Peer Comparison (Financial Services)

Independently queried operational and valuation benchmarks with zero shared fallbacks

Source: Independent Exchange Quotes • 18:04 IST

Swipe → to view all peer metrics

Company	Peer Taxonomy	Price (₹)	Change %	P/E	ROE %	ROCE %	Market Cap
★ Canara Bank (CANBK)	Target Stock	₹132.30	+3.28%	5.3x	16.1%	6.5%	₹1.07 Lakh Cr
HDFC Bank Ltd (HDFCBANK)	Private Sector Bank	₹806.60	+1.06%	14.1x	13.6%	7.0%	₹11.12 Lakh Cr
ICICI Bank Ltd (ICICIBANK)	Private Sector Bank	₹1,571.60	-1.10%	16.8x	15.9%	7.2%	₹9.41 Lakh Cr
State Bank of India (SBIN)	Public Sector Bank	₹1,061.20	+1.84%	10.5x	15.4%	6.1%	₹8.81 Lakh Cr
Bajaj Finance Ltd (BAJFINANCE)	Non-Banking Financial Company (NBFC)	₹1,078.80	+1.31%	28.8x	18.2%	10.9%	₹5.90 Lakh Cr
Kotak Mahindra Bank Ltd (KOTAKBANK)	Private Sector Bank	₹487.70	+1.71%	20.7x	11.4%	7.0%	₹4.14 Lakh Cr
Axis Bank Ltd (AXISBANK)	Private Sector Bank	₹1,336.40	+1.96%	13.6x	13.1%	6.2%	₹3.79 Lakh Cr

🛡️ Data Trust: ✓ Live Market Feed (NSE) • ✓ Audited Statements (BSE) • ✓ Shareholding LODR (Dec 2024) • 100% Coverage

Domain / Module	Primary Source	Reported Period	Last Sync Time	Audit Status
Live Market Quotes	National Stock Exchange (NSE) / BSE Market Feed	Real-Time	18:04:16 IST	✓ Live Sync
Financial Statements (10Y)	Canara Bank Investor Relations & BSE Filings	Q3 FY25 / Audited FY24	11 Nov 2026	✓ Audited
Shareholding Pattern	Exchange Disclosures (Clause 35 / SEBI LODR)	Dec 2024	11 Nov 2026	✓ Verified
Stock DNA & Valuations	TickerPulse 8-Pillar Scoring & DCF Engine	Current Computed	11 Nov 2026	✓ Deterministic

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TickerPulse Academy

Canara Bank

🧬 TickerPulse Stock DNA

⚡ What Changed? (Recent Signal Radar)

📈 Price & Technical Intelligence

📐 Key Fundamentals & Valuation Multiples

About Canara Bank

📑 10-Year Comprehensive Financial Statements

🎯 Valuation Lab & Sensitivity Matrix

🛡️ Forensic Audit Radar & Red Flag Monitor

👥 Shareholding Pattern & Institutional Footprint

🤖 Filings & AI Document Intelligence

🧭 Scenario Lab (12-Month Derived Valuation Targets)

🏢 Sector Peer Comparison (Financial Services)

Metric Explainer

Stock DNA Methodology

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