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Overview

Detailed Summary

Canara Bank is a state-owned commercial bank headquartered in Bangalore, offering a diverse range of financial products and services with extensive global operations across 8 countries including the UK and UAE.
The bank has demonstrated robust growth in Q3 FY26 with a net profit of Rs 5,155 crores, a year-on-year growth of 25.61%, highlighting excellent financial management amid challenging economic conditions.
Significant improvement was noted in asset quality, with GNPA declining to 2.08% and net NPA falling to 0.45%, showcasing effective risk management strategies and credit monitoring.
The Retail Advance Module (RAM) showed exceptional performance with a growth of 18.7%, majorly driven by retail credit which grew over 31%, illustrating the bank's successful consumer lending practices.
Despite a tough economic environment, Canara Bank maintained a robust capital adequacy ratio of 16.5% and improved its CET-1 to 12.37%, ensuring strong financial stability.

Sector: Banks
Industry: Public Sector Bank
Market Cap: 1,15,333 Cr
Volatility: High Risk
P/E Ratio: 6.5
Industry P/E: 13.5
PEG Ratio: 0.6
P/B Ratio: 1.0
52W High: 162.90
52W Low: 103.50

Sales CAGR

1Y: 3.92%
3Y: 14.39%
5Y: 12.77%
10Y: 13.20%

Profit CAGR

1Y: 9.32%
3Y: 21.86%
5Y: 49.64%
10Y: 37.09%

ROE

TTM: 14.54%
3Y: 16.08%
5Y: 14.69%
10Y: 9.91%

ROCE

TTM: 5.97%
3Y: 11.20%
5Y: 10.87%
10Y: 11.00%

Technicals

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Analyst Target, Price, EPS and Revenue Projections
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Peers

Financial Services Financial Services Banks Public Sector Bank

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
BANKBARODA		252.20	1,30,422 Cr	6.57	0.79	3.37	11.74	5.10	0.93
UNIONBANK		163.15	1,24,542 Cr	6.41	0.98	3.06	14.06	5.97	1.18
PNB		105.20	1,21,078 Cr	6.58	0.87	2.85	11.40	5.73	0.84
CANBK		127.15	1,15,333 Cr	6.45	1.04	3.30	14.54	5.97	0.91
INDIANB		798.85	1,07,602 Cr	9.19	1.47	2.28	14.32	5.70	1.16
MAHABANK		88.54	68,101 Cr	9.71	2.17	1.36	21.13	5.49	1.64
IOB		34.48	66,223 Cr	12.22	1.97	0.00	14.09	5.46	1.10
Median: 7 Co.	—	127.15	1,15,333 Cr	6.58	1.04	2.85	14.09	5.70	1.10

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	28,492	29,286	29,173	30,182	30,751	31,496	31,523	32,072	30,938	31,839
Expenses	12,001	13,198	12,010	12,066	10,752	12,124	13,141	13,251	4,002	8,871
Interest	18,620	19,226	19,534	20,427	21,163	21,556	21,992	22,412	22,709	22,024
Financing Profit	-2,129	-3,138	-2,371	-2,312	-1,165	-2,185	-3,610	-3,591	4,227	944
Financing Margin %	-7.47	-10.71	-8.13	-7.66	-3.79	-6.94	-11.45	-11.20	13.66	2.96
Other Income	7,138	8,098	7,793	7,824	6,679	8,761	9,919	9,942	2,152	4,700
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	5,009	4,960	5,422	5,513	5,515	6,576	6,308	6,351	6,379	5,644
Tax %	25.36	23.52	26.65	25.62	24.55	22.48	23.34	23.38	23.68	22.38
Net Profit	3,790	3,952	4,068	4,188	4,214	5,070	3,195	4,850	5,254	4,574
EPS in Rs	4.18	4.36	4.48	4.62	4.65	5.59	3.52	5.35	5.79	5.04
Gross NPA %	4.39	4.23	4.14	3.73	3.34	2.94	2.69	2.35	2.08	1.84
Net NPA %	1.32	1.27	1.24	0.99	0.89	0.70	0.63	0.54	0.45	0.43

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	41,457	41,345	47,951	49,759	70,253	70,614	85,885	1,10,519	1,21,601	1,26,371
Expenses	15,691	25,582	27,202	26,809	43,437	41,235	42,772	46,146	46,082	38,340
Interest	31,540	29,113	32,339	35,817	45,182	43,035	52,990	72,118	82,681	89,138
Financing Profit	-5,775	-13,350	-11,590	-12,867	-18,367	-13,657	-9,877	-7,745	-7,162	-1,106
Financing Margin %	-13.93	-32.29	-24.17	-25.86	-26.14	-19.34	-11.50	-7.01	-5.89	-0.88
Other Income	7,852	7,398	9,907	11,799	23,086	23,643	25,325	28,646	31,057	26,712
Depreciation	331	456	429	446	838	841	1,021	902	870	925
Profit Before Tax	1,746	-6,408	-2,111	-1,514	3,882	9,145	14,427	20,000	23,025	24,681
Tax %	29.36	36.21	125.91	-33.63	30.39	36.63	25.08	26.09	24.71	23.22
Net Profit	1,411	-3,873	696	-1,921	2,957	6,158	11,345	15,401	17,692	19,712
EPS in Rs	—	—	0.65	-3.50	3.27	6.84	12.41	16.84	19.34	19.70
Dividend Payout %	4.00	0.00	0.00	0.00	0.00	18.55	19.34	19.12	—	19.33

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	597	733	753	1,030	1,647	1,814	1,814	1,814	1,814	1,814
Reserves	34,088	36,164	36,936	40,176	60,763	68,147	76,240	90,319	1,03,603	1,15,891
Borrowings	5,34,858	5,63,756	6,40,166	6,68,170	10,60,998	11,32,626	12,37,160	13,69,780	15,46,160	17,23,621
Other Liabilities	26,615	30,781	33,928	32,064	56,132	56,202	65,816	73,104	79,114	45,999
Total Liabilities	5,96,159	6,31,435	7,11,783	7,41,440	11,79,540	12,58,789	13,81,030	15,35,018	17,30,691	18,87,325
Fixed Assets	7,185	8,335	8,433	8,323	11,269	11,447	10,334	12,331	10,149	10,595
CWIP	0.00	0.00	0.00	0.00	2.34	2.34	0.00	0.00	152	0.00
Investments	1,62,073	1,57,444	1,68,678	1,92,645	2,86,191	3,11,347	3,52,893	3,99,207	4,26,188	4,07,389
Other Assets	4,26,901	4,65,657	5,34,672	5,40,472	8,82,077	9,35,992	10,17,803	11,23,480	12,94,201	14,69,341
Total Assets	5,96,159	6,31,435	7,11,783	7,41,440	11,79,540	12,58,789	13,81,030	15,35,018	17,30,691	18,87,325

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	2,575	-11,120	18,237	-5,289	59,118	919	-39,978	15,047	60,669	7,942
Cash from Investing Activity	-476	-487	-745	-445	-1,116	-1,429	-1,156	-1,750	-2,437	-2,707
Cash from Financing Activity	124	2,865	-1,185	7,792	290	4,035	445	-3,834	-3,506	-4,795
Net Cash Flow	2,224	-8,743	16,307	2,059	58,291	3,525	-40,689	9,462	54,725	440

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Promoters	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%
FIIs	8.92%	10.19%	11.21%	10.55%	11.89%	11.25%	11.11%	10.55%	0.59%	11.90%	14.62%	14.24%
DIIs	15.95%	14.94%	14.30%	14.41%	11.22%	11.65%	11.72%	11.85%	22.21%	12.24%	10.48%	10.90%
Public	12.20%	11.94%	11.56%	12.11%	13.96%	14.17%	14.23%	14.67%	14.27%	12.92%	11.97%	11.93%
Total Shareholders	6,35,556	6,38,401	6,44,770	7,59,083	11,93,267	16,39,363	17,48,708	17,99,432	16,99,715	16,14,081	15,30,698	15,02,130

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q4 FY26

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

Available on Pro Plan