Stock Analysis Axis Bank

Axis Bank is one of India’s largest private sector banks. It started in 1994 and was originally called UTI Bank. The bank offers a wide range of services, including savings and current accounts, loans, credit cards, and investment options, making it easy for both individuals and businesses to manage their money. With thousands of branches and ATMs across India, Axis Bank makes banking convenient and accessible to people everywhere. The bank is known for its modern digital services, friendly customer support, and focus on helping customers grow their savings and investments. Axis Bank also works internationally and has overseas offices in several countries, making it one of the most recognized banking names in India today.

Company Insights
The company has a market capitalization of 3,36,447 crores
The share price of the company is 1,085
The book value of the company is 604
The company's debt-to-equity ratio is 7.43
The company's annual dividend yield is 0.09%
The company's stock P/E is 12.0
The earnings per share are 90.0
The company's ROCE is 7.11%

Financial Report
The company's sales in the last 5 years
Sales in 2021 is 64,397 crores
Sales in 2022 is 68,846 crores
Sales in 2023 is 87,448 crores
Sales in 2024 is 1,12,759 crores
Sales in 2025 is 1,27,374 crores

The company's profit in the last 5 years
Profit in 2021 is 7,252 crores
Profit in 2022 is 14,207 crores
Profit in 2023 is 10,919 crores
Profit in 2024 is 26,492 crores
Profit in 2025 is 28,191 crores

Sales & Profit Growth
The company's sales growth in the last 5 years
Sales growth in the last 5 years is 14.9%
Sales growth in the last 3 years is 22.8%
Sales growth in the last 1 year is 9.26%

The company's profit growth in the last 5 years
Profit growth in the last 5 years is 72.2%
Profit growth in the last 3 years is 25.7%
Profit growth in the last 1 year is 4.23%

Holdings
Promoters are 8.17%
FIIs are 43.81%
DIIs are 41.22%
Public are 6.80%

Company News

• Axis Bank has recently reported its financial results for the quarter ending June 2025, showing a 4% year-on-year decline in net profit to ₹5,806 crore. This drop was mainly due to a sharp increase in provisions, resulting from a one-time technical adjustment in the bank’s classification of bad loans. This adjustment led to a rise in non-performing assets, but the bank clarified that it was a precautionary regulatory step and does not indicate a real decline in asset quality. Despite this, Axis Bank continues to demonstrate growth in other areas, with advances (loans) up 8% year-on-year, and the bank maintaining strong positions in digital payments and merchant acquiring across India.

• During this quarter, Axis Bank strengthened its focus on innovation. Significant partnerships were launched, including a co-branded credit card with Flipkart’s SuperMoney and RuPay aimed at UPI users and a wearable payments solution in collaboration with boAt and Mastercard. The bank also became the first in the industry to introduce a pioneering B2B collections system for a Fortune 500 client using Bharat Connect. On the digital front, Axis Bank rolled out an “In-App Mobile OTP” feature to enhance the security of mobile transactions and reduce fraud risks.

• Asset quality metrics showed an uptick in gross and net NPAs to 1.57% and 0.45%, respectively, primarily due to revised classifications stemming from regulatory guidance. However, the overall capital adequacy ratio remained strong at 16.85%. The bank’s digital and mobile banking initiatives continue to be highly rated by users, and Axis Bank remains one of the leaders in the Indian UPI payer space with a ~32% share.

• Additionally, Axis Bank recently allotted 67,820 equity shares under its employee stock option plan, and the board has revised the vesting period for over 185,000 stock options, following recommendations from the Reserve Bank of India.

Technical Analysis

Company Chart

Moving Averages (MA)

• The stock is currently trading under the 50-MA, which indicates that the stock is in a downtrend.

• The stock is currently trading under the 200-MA, which also indicates that the stock is in a downtrend.

Relative Strength Index (RSI)

Currently, the RSI of the company is at 24, indicating that the stock is currently in an oversold zone.

My Analysis

Axis Bank is currently facing some challenges but remains a strong player in India’s banking sector. Recently, its profits went down largely because of a one-time technical change required by new rules for classifying bad loans. Although this made some numbers look worse, the bank reassured everyone that its overall financial health is still good. It continues to expand its loan business and keeps its capital at healthy levels. Axis Bank is also focusing on digital services, new technology, and partnerships to make banking easier for customers. Even though the stock price dropped lately because of concerns about profits and loan quality, the bank’s proactive steps show it is working to fix issues and grow in the future.