ScoreWhy is Axis Bank Ltd. ?
1
Strong lending practices with low Gross NPA ratio of 1.46%
2
Strong Long Term Fundamental Strength with a 50.36% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 50.36%
4
Negative results in Sep 25
- PAT(Q) At Rs 5,089.64 cr has Fallen at -26.4%
- PBDIT(Q) Lowest at Rs 3,787.95 cr.
- OPERATING PROFIT TO NET SALES (Q) Lowest at 12.23%
5
With ROA of 1.5, it has a Expensive valuation with a 2.1 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 9.68%, its profits have fallen by -7%
6
High Institutional Holdings at 84.77%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Axis Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Axis Bank for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Axis Bank
9.78%
0.46
20.85%
Sensex
4.73%
0.40
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
14.41%
Net Profit Growth (5y)
50.36%
Advance to Deposit
90.66%
Capital Adequacy Ratio (Tier 1)
14.73%
Gross NPA (latest)
1.46%
Gross NPA (avg)
2.13%
Coverage Ratio (avg)
75.33%
Cost to Income (avg)
47.48%
Net Interest Margin (avg)
3.82%
Operating Profit to Assets (avg)
5.16%
ROA (avg)
1.43%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Price to Book Value
2.09
PEG Ratio
NA
Dividend Yield
0.08%
ROE (Latest)
12.80%
ROA (Latest)
1.45%
Net NPA to Book Value
2.69
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
OPERATING CF(Y)
Highest at Rs 49,412.20 Cr
DPS(Y)
Highest at Rs 1.00
CREDIT DEPOSIT RATIO(HY)
Highest at 92.79%
-11What is not working for the Company
PAT(Q)
At Rs 5,089.64 cr has Fallen at -26.4%
PBDIT(Q)
Lowest at Rs 3,787.95 cr.
OPERATING PROFIT TO NET SALES (Q)
Lowest at 12.23%
PBT LESS OI(Q)
Lowest at Rs 240.91 cr.
NON-OPERATING INCOME(Q)
is 96.49 % of Profit Before Tax (PBT
EPS(Q)
Lowest at Rs 16.40
Loading Valuation Snapshot...
Here's what is working for Axis Bank
Operating Cash Flow - Annually
Highest at Rs 49,412.20 Cr
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (Rs Cr)
Credit Deposit Ratio - Half Yearly
Highest at 92.79%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend per Share (DPS) - Annually
Highest at Rs 1.00
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
Here's what is not working for Axis Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 240.91 cr has Fallen at -86.52%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 5,089.64 cr has Fallen at -26.4%
Year on Year (YoY)MOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 3,787.95 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 12.23%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs 240.91 cr.
in the last five quartersMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 96.49 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Earnings per Share (EPS) - Quarterly
Lowest at Rs 16.40
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
CAR - Quarterly
Lowest at 16.55%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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