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Every ratio from the Fundamental Analysis track, computed on a real company and annotated with what the number actually means. Then the three financial statements, so you can do the cash-flow check yourself.
Axis Bank Limited provides various financial products and services in India and internationally. The company operates through four segments: Treasury, Retail Banking, Corporate/Wholesale Banking, and Other Banking Business. It provides fixed, recurring, and safe deposits; and saving, salary, current, safe custody, pension disbursement, and demat and trading accounts. The company also offers home, personal, car, two-wheeler, business, commercial vehicle construction equipment, education, gold loans, as well as loans against securities, fixed deposits, properties, and credit cards. In addition, it provides credit and debit cards; mutual funds; governmental investment products, such as public provident fund, floating rate saving bonds, and national pension system; digital gold and sovereign gold bonds; alternate investment products; insurance services, such as life, general, and health insurance; and various forex products and services. 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 headquartered in Mumbai, India.
How the price compares to earnings, assets and cash generation.
You are paying 13.8 years of current profit for each share. The earnings yield is 7.3%. The tracked Banking & Finance median is 20.4× (n=15), so this trades cheaper than its peers.
The market values the company at 1.7× its accounting net worth. High is normal for asset-light businesses and unusual for banks.
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Pays 0.08% of the current price out each year. Remember that yield rises when price falls — check the dividend is covered by cash flow.
Based on the next-year earnings estimate — 10.1× against 13.8× trailing. A forward P/E well below trailing is pricing in an earnings jump; treat the forecast with caution.
You pay 4.9× annual sales. Useful when earnings are depressed or negative and P/E breaks down — but a high multiple needs high margins to justify it.
Returns on capital and margins, the numerical shadow of a moat.
Earns ₹13.4 of profit a year for every ₹100 of shareholders' money. Always check how much of this comes from leverage rather than the business.
ROE and ROA are reasonably close, so the returns come largely from the business itself rather than from borrowing.
Keeps ₹49.2 of operating profit from every ₹100 of sales. Compare only against companies in the same industry.
Sustained high net margins are evidence that something is stopping competitors from competing the profits away.
Keeps ₹0.0 of gross profit per ₹100 of sales, before operating costs. A high, stable gross margin is the clearest single sign of pricing power.
Leverage and liquidity. This is where fragility shows up first.
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Against cash of ₹1,35,597 Cr. Net debt is what matters, not gross borrowings.
Not available.
Revenue and earnings momentum, and how the two compare.
Ask where the growth came from: more volume, higher prices, or an acquisition. They are very different in quality.
Profits are growing faster than sales — margins are expanding, which is the sign of genuine operating leverage.
EBITDA of — and operating cash flow of —.
P/E divided by expected growth. Only as reliable as that growth forecast, which is usually optimistic.
The figures quoted per share, and how much profit is handed back to owners.
₹88.24 of profit earned per share over the last twelve months. Price divided by this is the trailing P/E.
The accounting net worth behind each share is ₹717.55; price-to-book compares the market price with this.
Pays out 0% of profit as dividends and retains the rest. Above roughly 85% leaves little to reinvest and is hard to sustain through a weak year.
Market cap plus net debt — closer to what an acquirer actually pays. Against a market cap of ₹3,78,967 Cr.
Return on equity splits into three drivers. The identical ROE can be a genuinely great business or a heavily borrowed ordinary one.
Leverage is doing much of the work here — a high ROE built on borrowing is more fragile than the same ROE earned from margins or turnover.
Nine yes/no tests of profitability, funding and efficiency across the last two years; higher is stronger. A test is dropped only where the data is missing, so the score is out of 7.
Reported figures, most recent year first. All values in rupees.
| FY2026 | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Revenue | ₹88067.31 Cr | ₹84668.33 Cr | ₹76603.04 Cr | ₹62415.84 Cr |
| Cost of revenue | — | — | — | — |
| Gross profit | — | — | — | — |
| Operating expenses | ₹44284.17 Cr | ₹39861.71 Cr | ₹37683.75 Cr | ₹40552.05 Cr |
| Operating income | — | — | — | — |
| Interest expense | ₹74074.99 Cr | ₹71036.31 Cr | ₹61390.74 Cr | ₹43389.15 Cr |
| Pre-tax income | ₹32293.46 Cr | ₹36722.16 Cr | ₹35178.00 Cr | ₹18621.18 Cr |
| Tax | ₹5799.64 Cr | ₹8610.42 Cr | ₹8754.46 Cr | ₹7768.52 Cr |
| Net profit | ₹26384.85 Cr | ₹28055.11 Cr | ₹26386.20 Cr | ₹10818.45 Cr |