Financial & Valuation Intelligence™
Axis Bank
NSE
AXISBANK
Sector: Financial Services· Private Sector BankCurrent Price
₹1,203.9
Market Cap
₹4.02 L Cr
AI Financial Summary
Axis Bank exhibits robust growth momentum in revenue and profitability, underscored by a compelling valuation relative to its intrinsic value. While the bank demonstrates strong earnings growth, management should focus on stabilizing volatile cash flows and improving capital efficiency to enhance long-term shareholder value.
Business Performance (CAGR)
10 Years
Revenue
12.7%
PAT
23.5%
EPS
20.0%
Book Value
12.7%
Free Cash Flow
2.9%
Valuation Snapshot
P/E13.7
P/B1.7
EV/EBITDA24.7
P/S3
Div Yield0.08%
Financial Health
Debt to Equity7.51
Interest Coverage1.4x
Current Ratio0.67
Cash & Investments₹5.25 L Cr
Profitability Metrics
ROE
12.3%
ROCE
5.8%
ROA
1.4%
EBITDA Mgn
59.3%
Op Margin
80.3%
Net Margin
19.9%
Cash Flow Intelligence
Operating Cash Flow₹-8.64K Cr
Free Cash Flow₹-10.79K Cr
Cash Conversion-32.7%
FCF Margin-8.1%
Intrinsic Value
PremiumEstimated Intrinsic Value
████████
Current Price₹1,203.9
Margin of Safety██.██%
Estimated Intrinsic Value & DCF Fair Value are available with Premium plans.
AI Business Verdict
Axis Bank is a high-growth institution currently trading at a attractive valuation, offering a substantial margin of safety for the long-term oriented participant.
- Strong historical revenue and earnings growth
- Robust net margins indicating operational efficiency
- Significant discount to calculated intrinsic value
Balance Sheet
AI-Powered Analysis
Balance Sheet Strength™
52/100
Adequate
Axis Bank has an adequate but tight balance sheet — leverage and liquidity warrant monitoring.
AI Confidence
92%
Stability
48
Flexibility
44
Strength Factors
Liquidity42
Leverage40
Working Capital60
Asset Quality51
Shareholder Strength82
Financial Stability48
Financial Flexibility™
44/100
Weak
Capacity to fund growth, withstand downturns and return capital.
Total Assets
₹19.46 L Cr
▲ 15.9% YoY
Total Liabilities
₹17.31 L Cr
▲ 16.0% YoY
Shareholder Equity
₹2.15 L Cr
▲ 14.8% YoY
Net Cash Position
₹-10.89 L Cr
Monitor
Debt / Equity
7.51x
Elevated
Enterprise Value
₹14.91 L Cr
Capital Structure
Assets
₹19.46 L Cr
Equity
₹2.15 L Cr (11.0%)
Liabilities
₹17.31 L Cr (89.0%)
Debt Intelligence™
Debt vs Cash Trend
Debt / Equity7.51x
Interest Coverage1.4x
Debt / EBITDA61.18x
Net Debt₹10.89 L Cr
Debt Trend (5Y)25.1%
Debt MaturityWell Staggered
Liquidity Intelligence™
Current Ratio0.67
Quick Ratio0.67
Cash Ratio0.05
Working Capital₹-38.09K Cr
Operating Cash CoverageWeak
Short-term LiquidityWeak
Working Capital Intelligence™
CCC Trend
Receivable DaysNot Available
Inventory DaysNot Available
Payable DaysNot Available
Cash Conversion CycleNot Available
Asset Quality (% of Total Assets)
Cash & Investments4.0%
Property, Plant & Equip.0.3%
ReceivablesNot Available
InventoryNot Available
GoodwillNot Available
Intangible AssetsNot Available
Other Assets99.6%
Shareholder Strength™
Strength Radar
Book Value CAGR (5Y)12.7%
Net Worth CAGR (5Y)16.0%
Retained EarningsStrong
Equity Dilution0.00%
Buyback EfficiencyGood
Dividend Sustain.Strong
Balance Sheet Evolution
Annual
Balance Sheet Risk Monitor
Debt RiskHigh
Liquidity RiskHigh
Working Capital RiskElevated
Refinancing RiskHigh
Asset Quality RiskElevated
Dilution RiskLow
Contingent LiabilityLow
Overall Balance Sheet RiskElevated
Balance Sheet Stress Test™
Economic Slowdown48
Acquisition Capacity43
High Interest Rates40
Dividend Sustainability63
Revenue Decline43
Cash Flow Resilience45
Expansion Capacity59
Overall Resilience Score
49/100
Fragile — Review Risks
AI Balance Sheet Commentary
Overall Assessment
- Axis Bank has an adequate but tight balance sheet — leverage and liquidity warrant monitoring.
What Stands Out
- Large cash & investment reserves
- Strong shareholder equity growth
Areas To Monitor
- Elevated debt-to-equity ratio
- Thin interest coverage — cyclical earnings risk
- Tight short-term liquidity cushion
- Large 'other assets' bucket — investigate composition
Financial data based on consolidated numbers and TTM · Source: Company Filings, Annual Report AI Analysis · Data as of: 31/03/2026