Tag Axis Bank Stock

Axis Bank Ltd
Axis Bank Q4 Results: Profit Steady at ₹7,117.5 Cr, Revenue and Retail Lending Surge

Business and Industry Overview: 

Axis Bank is one of the largest private banks in India. It started in 1993 and began operations in 1994. The bank provides a wide range of services, including banking for individuals, businesses, and large companies. It offers products like loans, credit cards, insurance, and wealth management. Axis Bank has more than 5,000 branches in India and offices in countries like the UK, Dubai, Singapore, and Bangladesh. It also focuses on digital banking and has a popular mobile banking app. In 2023, Axis Bank bought Citibank’s consumer business in India for ₹12,325 crore. This deal helped Axis Bank grow its retail banking services. The bank has been growing steadily, with profits increasing by 4% in the first quarter of 2024. Axis Bank is based in Mumbai and continues to expand its services, using both traditional banking methods and new technology to meet the needs of its customers. 

Latest Stock News: 

Axis Bank’s stock price is ₹1,442 as of April 25, 2025, having risen 10% in the past month. All 50 analysts who follow the bank are positive – 42 say “Buy” and 8 say “Hold”. Experts at Jefferies set a price target of ₹1,450, noting the stock is cheaper than similar banks by 25-30%. The bank’s bad loans improved to 1.28% (₹14,490 crore) in January-March 2025 from 1.43% last quarter, though ICICI Bank reduced bad loans faster (from 2.81% to 1.67% since 2022). The bank will pay ₹12 per share as dividend – investors must own shares by May 5 to get it. Foreign investors now own over 50% of the bank. The bank recently started a new digital investment service and bought part of YES Bank’s business. While doing well, analysts want to see faster reduction in bad loans to match competitors like ICICI Bank.  

Segmental information: 

1. Retail Banking: This part handles normal people’s banking needs. It gives home loans (₹1.8 lakh crore), car loans (₹45,000 crore), and has 2.3 crore credit cards. It keeps money in 5.7 crore savings accounts. This is the biggest part, making 59% of all loans (₹6.2 lakh crore). More people took loans this year – 18% growth. The bank has 3.5 crore retail customers. 

2. Corporate Banking : This part works with large businesses. It gives loans to companies like Tata and Reliance (₹2.9 lakh crore). It helps companies manage their money and do international trade. This makes 28% of all loans. Loans grew by 12% this year. About 8,000 big companies use these services. 

3. SME Banking : This helps small shops, factories and startups. It gave ₹1.4 lakh crore to 8 lakh small businesses. This grew very fast – 22% this year. It includes loans from ₹10 lakh to ₹50 crore. Small business banking now makes 13% of all loans. 

Subsidiary information: 

  1. Axis Asset Management Company Ltd.: This company helps people and companies invest their money. It manages mutual funds. People give money to this company, and it invests the money in different places to earn profit. It helps people save and grow money. 
  1. Axis Capital Ltd.: This company gives advice to big companies. It helps them raise money. It also helps when companies want to sell shares or join with other companies. It is useful for companies that want to grow. 
  1. Axis Finance Ltd.: This company gives loans. It is not a bank, but it works like one. It gives personal loans, business loans, and property loans. People and companies can borrow money from it. 
  1. Axis Securities Ltd.: This company helps people buy and sell shares. It has a website called Axis Direct. People use it to invest in the stock market. It also gives tips and advice to investors. 
  1. Axis Trustee Services Ltd.: This company takes care of legal papers. It helps when companies take loans or issue bonds. It checks rules and protects investors. It is useful for big company deals. 
  1. Axis Pension Fund Management Ltd.  This company manages pension money. It works under India’s National Pension System (NPS). People save money for retirement here. The company invests that money to make it grow. 
  1. A.TREDS Ltd.: This company helps small businesses get paid faster. It runs a website for small sellers. Sellers can get money quickly without waiting for many days. It helps small businesses a lot. 
  1. Freecharge Payment Technologies Pvt. Ltd.: Freecharge is a mobile payment app. People use it to pay bills, recharge phones, and send money. It works fast and is easy to use. Axis Bank owns Freecharge. 
  1. Axis Bank UK Ltd.: This is Axis Bank’s office in the UK. It helps people and companies outside India. It gives banking services like loans and trade support. It is useful for Indian companies in the UK. 

Q4 Highlights: 

  • Axis Bank made a profit of ₹7,118 crore. It is a little less than last year but better than expected. 
  • The bank earned ₹38,022 crore in total income. This is 6% more than last year. 
  • The bank earned good money from loans. This helped beat market guesses. 
  • The bank said it will give ₹1 as dividend for each share. 
  • On April 24, the share price was ₹1,208.5. It went up by 0.13%. 

Financial Summary: 

Amount in ₹ Crore Q4 FY24 Q4 FY25 FY24 FY25 
Revenue 30,231 32,452 112,759 127,374 
Expenses 11,124 11,943 40,032 48,158 
EBITDA 2,379 2,389 11,336 8,179 
OPM 8% 7% 10% 6% 
Other Income 204 222 25,230 28,543 
Net Profit 7,630.00 7,509 26,492 28,191 
NPM 25.24 23.14 23.49 22.13 
EPS 24.62 24.13 85.49 90.58