Axis Bank Limited (AXISBANK) AI Stock Analysis

• Market Cap: ₹3.24T
• Dividend Yield: 0.1%
• Average Volume (3M): 381.05K
• Price to Earnings (P/E): 11.6
• Beta (1Y): 1.22
• Revenue Growth: 10.17%
• EPS Growth: 3.87%
• Country: IN
• Employees: 104,633
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 18.70
• Shares Outstanding: 3,102,332,800
• 10 Day Avg. Volume: 281,697
• 30 Day Avg. Volume: 381,053
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹1,376.86
• Price Target Upside: 31.69% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 14

• Rating: 61 Neutral
• Price Target: ₹1,127.00 ▲(7.79% Upside)

Axis Bank's strong financial performance is a key strength, bolstering its overall score. However, bearish technical indicators suggest near-term challenges. The bank's valuation is favorable, offering potential upside, but the low dividend yield may limit appeal to some investors.

Axis Bank Limited Business Overview & Revenue Model

Company Description

Axis Bank Limited (AXISBANK) is one of India's leading private sector banks, offering a comprehensive range of financial services to customer segments across individuals, small and medium-sized enterprises (SMEs), and large corporations. The bank provides a variety of products and services, including personal loans, home loans, credit cards, savings accounts, fixed deposits, and wealth management services. It operates through a wide network of branches and ATMs across India, along with digital channels to deliver seamless banking experiences.

How the Company Makes Money

Axis Bank makes money primarily through interest income generated from various lending activities, such as personal loans, home loans, and corporate loans. Additionally, the bank earns revenue from fees and commissions associated with its wide range of financial services, including transaction fees from credit and debit cards, service charges on accounts, and advisory fees from wealth management. The bank also benefits from trading and investment activities, as well as partnerships and collaborations with financial technology firms to enhance its digital banking offerings. These diverse revenue streams help Axis Bank maintain a stable financial performance.

Axis Bank Limited Financial Statement Overview

Summary

Axis Bank exhibits strong financial growth with significant improvements in revenue and profitability. The balance sheet is robust, reflecting effective leverage management, though there is room for optimizing equity utilization. The cash flow position is strong, supporting operational needs and growth initiatives.

Income Statement

Axis Bank has demonstrated strong revenue growth with Total Revenue increasing from 861B in 2022 to 1.56T in 2025, representing a substantial growth trajectory. The Net Profit Margin improved from 16.4% in 2022 to 18% in 2025, indicating enhanced profitability. Gross Profit Margin increased from 59.4% in 2022 to 54.4% in 2025, showing efficiency in cost management. The EBIT Margin also improved, supporting the overall profitability enhancement. These metrics reflect a solid financial performance and growth potential.

Balance Sheet

Axis Bank's balance sheet reveals a robust equity base with an increase in Stockholders' Equity from 1.18T in 2022 to 1.87T in 2025. The Debt-to-Equity Ratio slightly decreased from 1.91 in 2022 to 1.18 in 2025, indicating improved leverage management. The Return on Equity (ROE) has remained strong, highlighting efficient use of equity to generate profits. However, the Equity Ratio showed moderate improvement, suggesting stable financial health with potential for further optimization.

Cash Flow

The cash flow analysis shows a positive trajectory with Free Cash Flow growing from 267B in 2022 to 453B in 2025, reflecting strong cash generation capabilities. Operating Cash Flow to Net Income Ratio remained stable, indicating consistent cash conversion efficiency. However, the Free Cash Flow to Net Income Ratio showed a slight fluctuation, highlighting the need for careful cash management to sustain growth.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.18T	1.56T	1.38T	1.06T	861.20B	779.83B
Gross Profit	833.30B	848.81B	633.99B	514.02B	511.98B	264.27B
EBITDA	280.79B	384.89B	365.66B	317.67B	199.78B	107.29B
Net Income	280.55B	280.55B	263.86B	108.18B	141.19B	71.95B
Balance Sheet
Total Assets	16.57T	16.57T	15.18T	13.44T	11.96T	10.10T
Cash, Cash Equivalents and Short-Term Investments	1.03T	1.03T	400.50B	1.39T	1.54T	1.10T
Total Debt	2.21T	2.21T	2.28T	2.48T	2.26T	1.81T
Total Liabilities	14.69T	14.69T	13.61T	12.14T	10.77T	9.07T
Stockholders Equity	1.87T	1.87T	1.57T	1.30T	1.18T	1.04T
Cash Flow
Free Cash Flow	0.00	453.24B	465.33B	206.85B	267.28B	116.94B
Operating Cash Flow	0.00	477.70B	489.19B	220.75B	281.37B	126.33B
Investing Cash Flow	0.00	-512.15B	-90.88B	-326.94B	-272.32B	-541.95B
Financing Cash Flow	0.00	-70.00B	1.44T	66.41B	1.71T	72.79B

Axis Bank Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1045.55
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:AXISBANK, the sentiment is Negative. The current price of 1045.55 is below the 20-day moving average (MA) of 1068.23, below the 50-day MA of 1122.01, and below the 200-day MA of 1108.05, indicating a bearish trend. The MACD of -16.12 indicates Negative momentum. The RSI at 30.37 is Neutral, neither overbought nor oversold. The STOCH value of 7.15 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:AXISBANK.

Axis Bank Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CANBK	72 Outperform	₹941.53B	5.09		3.85%	9.22%	18.54%
HDFCBANK	72 Outperform	₹14.61T	20.60		2.31%	4.96%	2.79%
ICICIBANK	69 Neutral	₹9.98T	18.70		0.79%	20.17%	15.72%
Sector *	68 Neutral	$17.89B	11.95	10.28%	3.72%	9.74%	1.61%
AXISBANK	61 Neutral	₹3.24T	11.61		0.10%	10.17%	3.87%
INDUSINDBK	51 Neutral	₹576.44B	57.13		2.21%	-2.45%	-88.84%
SBIN	―	₹7.41T	9.01		1.98%	―	―

Axis Bank Limited Corporate Events

Axis Bank Announces Retirement of Deputy Managing Director Rajiv Anand

Rajiv Anand, the Deputy Managing Director of Axis Bank, has retired from his position as of August 3, 2025. The bank’s board and management have expressed their appreciation for his contributions and wish him well in his future endeavors, marking a significant leadership change within the organization.

Axis Bank Increases Share Capital Through ESOP Allotment

Axis Bank Limited has announced the allotment of 323,974 equity shares following the exercise of stock options under its ESOP/RSU Scheme. This allotment has resulted in an increase in the bank’s paid-up share capital, reflecting the bank’s ongoing efforts to enhance shareholder value and employee engagement through stock-based incentives.

Axis Bank Schedules Earnings Call for Q1 2025 Results

Axis Bank Limited has announced that it will hold an earnings call on July 17, 2025, to discuss its unaudited financial results for the quarter ended June 30, 2025. The call will involve senior management engaging with analysts and investors, highlighting the bank’s commitment to transparency and stakeholder engagement.