Canara Bank

Canara Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Canara Bank

₹ 129 -3.72%
11 May 4:01 p.m.
canarabank.com BSE: 532483 NSE: CANBK
About

Canara Bank was merged with erstwhile Syndicate Bank in FY21. Canara was incorporated in 1906 and nationalised in 1969, along with 13 other major commercial banks of India, by the GoI. The bank is headquartered in Bangalore.Canara Bank was merged with erstwhile Syndicate Bank (e-SB) on April 1, 2020.

Key Points

Ratios as of Q3 FY26[1][2][3]
Net Interest Margin - 2.50%
Gross NPA - 2.08%
Net NPA - 0.45%
CASA Ratio - 29.52%
PCR: 94.19%
Cost to Income: 46.86%
Cost of Funds: 5.18%

Website BSE NSE
  • Market Cap ₹ 1,17,320 Cr.
  • Current Price ₹ 129
  • High / Low ₹ 163 / 99.8
  • Stock P/E 6.12
  • Book Value ₹ 125
  • Dividend Yield 3.09 %
  • ROCE 6.55 %
  • ROE 18.0 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 1.04 times its book value
  • Stock is providing a good dividend yield of 3.09%.
  • Company has delivered good profit growth of 50.0% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 20.4%

Cons

  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.4,08,643 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Public Sector Bank

Part of BSE 500 BSE 100 BSE 200 BSE Dollex 200 BSE PSU

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
23,910 25,004 26,838 28,039 28,807 28,701 29,740 30,312 31,002 31,003 31,544 31,982 31,838
Interest 15,293 16,338 17,935 18,622 19,227 19,535 20,425 21,163 21,560 21,994 22,403 22,729 22,030
9,235 8,600 8,530 8,806 9,892 9,151 8,894 9,512 9,341 9,867 9,961 10,447 8,867
Financing Profit -618 66 373 612 -312 15 422 -364 101 -858 -820 -1,194 941
Financing Margin % -3% 0% 1% 2% -1% 0% 1% -1% 0% -3% -3% -4% 3%
4,775 4,819 4,634 4,295 5,218 5,319 4,981 5,802 6,351 7,060 7,054 7,899 4,824
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 4,157 4,885 5,008 4,907 4,906 5,334 5,403 5,438 6,452 6,202 6,234 6,705 5,766
Tax % 24% 28% 28% 25% 23% 27% 26% 25% 22% 23% 23% 23% 22%
3,175 3,535 3,606 3,656 3,757 3,905 4,015 4,104 5,003 4,752 4,774 5,155 4,506
EPS in Rs 3.50 3.90 3.98 4.03 4.14 4.31 4.43 4.52 5.52 5.24 5.26 5.68 4.97
Gross NPA % 5.35% 5.15% 4.76% 4.39% 4.23% 4.14% 3.73% 3.34% 2.94% 2.69% 2.35% 2.08% 1.84%
Net NPA % 1.73% 1.57% 1.41% 1.32% 1.27% 1.24% 0.99% 0.89% 0.70% 0.63% 0.54% 0.45% 0.43%
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Upcoming result date: today

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
43,750 44,022 41,388 41,252 46,810 48,935 69,280 69,410 84,425 108,688 119,755 126,366
Interest 34,086 34,259 31,516 29,089 32,332 35,811 45,178 43,026 52,989 72,122 82,683 89,156
10,289 17,654 15,457 25,222 22,964 22,260 34,500 33,104 35,032 34,958 36,061 39,142
Financing Profit -626 -7,891 -5,585 -13,059 -8,486 -9,137 -10,397 -6,720 -3,596 1,607 1,011 -1,931
Financing Margin % -1% -18% -13% -32% -18% -19% -15% -10% -4% 1% 1% -2%
4,550 4,875 7,554 6,943 6,575 7,813 14,924 16,497 18,762 18,966 22,453 26,838
Depreciation 427 170 328 445 417 432 820 816 993 869 837 0
Profit before tax 3,498 -3,186 1,642 -6,561 -2,327 -1,756 3,707 8,962 14,173 19,705 22,627 24,907
Tax % 23% -12% 32% -36% -115% 27% 31% 37% 25% 26% 25% 23%
2,703 -2,813 1,122 -4,222 347 -2,236 2,558 5,678 10,604 14,554 17,027 19,187
EPS in Rs 10.34 -9.42 3.76 -11.52 0.92 -4.34 3.11 6.26 11.69 16.05 18.77 21.15
Dividend Payout % 18% 0% 5% 0% 0% 0% 0% 21% 21% 20% 21% 20%
Compounded Sales Growth
10 Years: 11%
5 Years: 13%
3 Years: 14%
TTM: 6%
Compounded Profit Growth
10 Years: 24%
5 Years: 50%
3 Years: 23%
TTM: 13%
Stock Price CAGR
10 Years: 14%
5 Years: 34%
3 Years: 30%
1 Year: 33%
Return on Equity
10 Years: 11%
5 Years: 16%
3 Years: 18%
Last Year: 18%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 475 543 597 733 753 1,030 1,647 1,814 1,814 1,814 1,814 1,814
Reserves 31,384 31,060 33,088 34,872 35,424 38,263 57,238 64,297 71,793 85,140 98,086 111,568
Deposits 485,917 479,792 495,275 524,772 599,033 625,351 1,010,875 1,086,409 1,179,219 1,312,367 1,456,883 1,568,678
Borrowing 13,594 26,873 39,504 38,809 40,992 42,762 49,984 46,285 58,090 57,592 89,665 155,288
16,630 14,693 15,055 17,701 18,564 16,469 33,932 28,174 34,817 34,627 36,401 45,853
Total Liabilities 548,001 552,961 583,519 616,886 694,767 723,875 1,153,675 1,226,980 1,345,732 1,491,541 1,682,850 1,883,202
6,949 7,198 7,168 8,319 8,410 8,276 11,204 11,354 10,231 12,228 10,215 10,570
CWIP 0 0 0 0 0 0 2 2 0 0 0 0
Investments 142,061 142,309 150,266 144,054 152,985 176,245 261,690 282,013 319,038 357,454 380,343 403,415
398,990 403,453 426,085 464,514 533,371 539,354 880,778 933,610 1,016,463 1,121,858 1,292,291 1,469,217
Total Assets 548,001 552,961 583,519 616,886 694,767 723,875 1,153,675 1,226,980 1,345,732 1,491,541 1,682,850 1,883,202

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
4,547 6,078 2,316 -11,504 17,886 -5,459 58,533 268 -40,676 14,254 59,947
-875 -317 -348 -274 -461 -277 -666 -657 -390 -1,083 -1,860
140 2,331 124 2,865 -1,185 7,855 284 4,035 435 -3,834 -3,506
Net Cash Flow 3,812 8,093 2,092 -8,913 16,240 2,119 58,151 3,646 -40,631 9,337 54,580
Free Cash Flow 3,721 5,698 1,948 -11,831 17,375 -5,785 57,796 -277 -41,163 13,122 58,498
CFO/OP 18% 29% 15% -62% 80% -27% 173% 12% -74% 23% 76%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 9% -9% 3% -12% 1% -6% 5% 9% 15% 18% 18% 18%

Insights

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Business per Employee
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Global Gross Business
₹ Crore
Number of ATMs / Recyclers
Number
Number of Domestic Branches
Number
Profit per Employee
₹ Crore
Retail Advances
₹ Crore
Provision Coverage Ratio
Percentage

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Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93% 62.93%
8.91% 10.19% 11.21% 10.57% 11.91% 11.26% 11.10% 10.54% 11.38% 11.89% 14.61% 14.24%
15.93% 14.91% 14.29% 14.39% 11.19% 11.65% 11.71% 11.85% 11.41% 12.23% 10.47% 10.91%
12.21% 11.96% 11.55% 12.10% 13.94% 14.17% 14.24% 14.67% 14.27% 12.92% 11.98% 11.93%
No. of Shareholders 6,35,5566,38,4016,44,7707,59,08311,93,26716,39,36317,48,70817,99,43216,99,71516,14,08115,30,69815,02,130

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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