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Axis Bank Limited (IN:AXISBANK)
:AXISBANK
India Market
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Axis Bank Limited (AXISBANK) AI Stock Analysis

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IN:AXISBANK

Axis Bank Limited

(AXISBANK)

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Outperform 76 (OpenAI - 4o)
Rating:76Outperform
Price Target:
₹1,249.00
▲(7.78% Upside)
Axis Bank's strong financial performance is the most significant factor, reflecting robust growth and effective leverage management. The technical analysis indicates some caution due to potential overbought conditions, while the valuation suggests the stock might be undervalued. The absence of earnings call data and corporate events means these factors do not influence the score.

Axis Bank Limited (AXISBANK) vs. iShares MSCI India ETF (INDA)

Axis Bank Limited Business Overview & Revenue Model

Company DescriptionAxis Bank Limited provides financial services in India and internationally. It operates through four segments: Treasury, Retail Banking, Corporate/Wholesale Banking, and Other Banking Business. The Treasury segment is involved in investments in sovereign and corporate debt, and equity and mutual funds, as well as in trading operations, derivative trading, and foreign exchange operations The Retail Banking segment engages in the provision of lending services to individuals/small businesses; liability products, card services, internet banking, mobile banking, ATM services, depository, financial advisory services, and NRI services. The Corporate/Wholesale Banking segment offers corporate advisory, placements and syndication, project appraisals, capital market related, and cash management services. The Other Banking Business segment is involved in para banking activities. The company operates 4,759 branches. It also has a network of 10,990 ATMs and 5,972 recyclers; and eight international offices with branches at Singapore, Dubai, and Gift City, India; and representative offices in Dhaka, Dubai, Abu Dhabi, and Sharjah. The company was formerly known as UTI Bank Limited and changed its name to Axis Bank Limited in July 2007. Axis Bank Limited was incorporated in 1993 and is based in Mumbai, India.
How the Company Makes MoneyAxis 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 solid, reflecting effective leverage management, though there is room for optimizing equity utilization. The cash flow position is robust, supporting the bank's operational needs and growth initiatives. Overall, Axis Bank is well-positioned within the regional banking industry, with a positive outlook for continued financial strength and growth.
Income Statement
85
Very Positive
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
78
Positive
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
82
Very Positive
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue1.59T1.56T1.38T1.06T861.20B779.83B
Gross Profit865.18B848.81B724.33B624.16B511.98B264.27B
EBITDA362.59B384.89B365.66B317.67B199.78B107.29B
Net Income278.62B280.55B263.86B108.18B141.19B71.95B
Balance Sheet
Total Assets16.53T16.57T15.18T13.44T11.96T10.10T
Cash, Cash Equivalents and Short-Term Investments1.02T1.03T1.38T1.39T1.54T1.10T
Total Debt2.20T2.21T2.28T2.48T2.26T1.81T
Total Liabilities14.59T14.69T13.61T12.14T10.77T8.97T
Stockholders Equity1.94T1.87T1.57T1.30T1.18T1.04T
Cash Flow
Free Cash Flow0.00419.38B-79.40B206.85B267.28B116.94B
Operating Cash Flow0.00443.84B-55.55B220.75B281.37B126.33B
Investing Cash Flow0.00-512.15B-90.88B-326.94B-272.32B-541.95B
Financing Cash Flow0.00-70.00B223.41B66.41B1.71T72.79B

Axis Bank Limited Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1158.80
Price Trends
50DMA
1088.23
Positive
100DMA
1141.32
Positive
200DMA
1103.59
Positive
Market Momentum
MACD
18.19
Negative
RSI
79.55
Negative
STOCH
95.79
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:AXISBANK, the sentiment is Positive. The current price of 1158.8 is above the 20-day moving average (MA) of 1086.60, above the 50-day MA of 1088.23, and above the 200-day MA of 1103.59, indicating a bullish trend. The MACD of 18.19 indicates Negative momentum. The RSI at 79.55 is Negative, neither overbought nor oversold. The STOCH value of 95.79 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:AXISBANK.

Axis Bank Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
77
Outperform
14.60T20.7413.57%2.31%4.96%2.79%
76
Outperform
₹3.60T13.010.09%10.17%3.87%
75
Outperform
9.87T18.6516.26%0.80%20.17%15.72%
70
Outperform
1.11T5.9816.64%3.25%9.22%18.54%
51
Neutral
577.06B58.313.97%2.18%-2.45%-88.84%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:AXISBANK
Axis Bank Limited
1,158.80
-116.41
-9.13%
IN:CANBK
Canara Bank
122.90
16.61
15.63%
IN:HDFCBANK
HDFC Bank Limited
950.50
71.23
8.10%
IN:ICICIBANK
ICICI Bank Limited
1,381.95
61.24
4.64%
IN:INDUSINDBK
IndusInd Bank Ltd.
740.70
-711.70
-49.00%
IN:SBIN
State Bank of India
865.85
79.74
10.14%

Axis Bank Limited Corporate Events

Axis Bank Increases Share Capital with New Equity Allotment
Sep 9, 2025

Axis Bank Limited has announced the allotment of 47,774 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 its ongoing commitment to employee incentivization and shareholder value enhancement.

Axis Bank Expands Equity Base with New Share Allotment
Aug 19, 2025

Axis Bank Limited has announced the allotment of 108,502 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 a strategic move to enhance its equity base and potentially strengthen its market position.

Axis Bank Announces Retirement of Deputy Managing Director Rajiv Anand
Aug 3, 2025

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
Jul 29, 2025

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Sep 13, 2025