AI Summary
✦ ClarthaPrice Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
From 40 analysts
Fundamentals
Fundamentals institutional score is 65 using EVA spread proxy 1.3%; growth durability 73.9.
Valuation
Valuation institutional score is 67 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 85 using mean target upside 28.8%; dispersion penalty 8.8; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 78 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is balanced or not decisive enough to tilt the tape. Based on 6 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. fundamentals and valuation provide support, while market sentiment remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Trading 5.9% above historical median. Valuation is stable — currently in the overvalued zone (z-score: +0.68). Confidence: 91%.
Live forward EPS implies next-12-month EPS of ₹126.50. Applying the stock's normalized valuation corridor produces a fair range of ₹1,520.53 to ₹1,753.29, with base value near ₹1,654.62 (+34.5% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹126.50
Forward P/E
9.7x
Base Fair Value
₹1,654.62
Fair Range
₹1,520.53 - ₹1,753.29
Upside To Base
+34.5%
Estimate Source
Live forward EPS
Growth Estimate
+21.8%
5Y Average
1.89
Current
1.71
Overvalued
2.18
Undervalued
1.61
5Y Average
11.47
Current
13.85
Overvalued
13.86
Undervalued
12.02
5Y Average
4.11
Current
4.96
Overvalued
4.73
Undervalued
3.50
Peers & Comparison
Sector: Financials · Theme: Private Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
KOTAK MAHINDRA BANK LTD KOTAKBANKPrivate Banks | +21.0% | 28.5% | 19.1x Undervalued | -28% vs avg | +0.4% |
HDFC BANK LTD HDFCBANKPrivate Banks | +16.6% | 26.8% | 15.9x Undervalued | -40% vs avg | -25.8% |
ICICI BANK LTD. ICICIBANKPrivate Banks | +11.4% | 27.5% | 18.2x Undervalued | -31% vs avg | +0.7% |
FEDERAL BANK LTD FEDERALBNKPrivate Banks | +21.4% | 30.7% | 18.8x Undervalued | -29% vs avg | +82.2% |
IDBI BANK LIMITED IDBIPrivate Banks | — | 48.6% | 9.7x Undervalued | -63% vs avg | -6.1% |
INDUSIND BANK LIMITED INDUSINDBKPrivate Banks | +1.0% | 7.6% | 59.4x Premium | +125% vs avg | +30.5% |
SHRIRAM FINANCE LIMITED SHRIRAMFINConsumer Finance | +39.1% | 50.1% | 19.5x Undervalued | -26% vs avg | +85.9% |
BSE LIMITED BSEStock Exchanges & Ratings | +64.0% | 48.9% | 50.4x Premium | +91% vs avg | +50.1% |
AXIS BANK LIMITED trades at a discount (13.7x vs peer avg 26.4x), suggesting potential undervaluation relative to the Private Banks cohort. Peers include KOTAK MAHINDRA BANK LTD, HDFC BANK LTD, ICICI BANK LTD. — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹33.99K CrJun 2026Latest net profit
₹7.11K CrJun 2026Free cash flow
₹-3.40K CrMar 2026Net Profit
₹7.11K CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 25,557 | 26,626 | 27,961 | 29,225 | 30,061 | 30,420 | 30,954 | 31,243 | 31,064 | 30,970 | 32,274 | 32,724 | 33,986 |
| Interest | 13,598 | 14,312 | 15,429 | 16,136 | 16,612 | 16,937 | 17,348 | 17,432 | 17,504 | 17,226 | 17,988 | 18,267 | 19,340 |
| Expenses + | 9,267 | 9,531 | 9,974 | 10,504 | 11,165 | 11,697 | 11,200 | 11,197 | 13,250 | 13,504 | 11,882 | 13,989 | 11,945 |
| Financing Profit | 2,692 | 2,783 | 2,558 | 2,585 | 2,283 | 1,787 | 2,406 | 2,614 | 309 | 241 | 2,404 | 469 | 2,701 |
| Financing Margin % | 11% | 10% | 9% | 9% | 8% | 6% | 8% | 8% | 1% | 1% | 7% | 1% | 8% |
| Other Income + | 5,087 | 5,034 | 5,555 | 6,766 | 5,783 | 6,722 | 5,972 | 6,780 | 7,258 | 6,625 | 6,226 | 6,023 | 6,735 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 7,779 | 7,817 | 8,113 | 9,350 | 8,067 | 8,508 | 8,378 | 9,393 | 7,568 | 6,865 | 8,630 | 6,491 | 9,437 |
| Tax % | 25% | 25% | 25% | 24% | 25% | 19% | 25% | 24% | 23% | 26% | 25% | -9% | 25% |
| Net Profit + | 5,797 | 5,864 | 6,071 | 7,130 | 6,035 | 6,918 | 6,304 | 7,118 | 5,806 | 5,090 | 6,490 | 7,071 | 7,114 |
| EPS in Rs | 18.82 | 19.03 | 19.69 | 23.10 | 19.53 | 22.36 | 20.37 | 22.98 | 18.72 | 16.40 | 20.90 | 22.75 | 22.87 |
| Gross NPA % | 1.96% | 1.73% | 1.58% | 1.43% | 1.54% | 1.44% | 1.46% | 1.28% | 1.57% | 1.46% | 1.40% | 1.23% | 1.28% |
| Net NPA % | 0.41% | 0.36% | 0.36% | 0.31% | 0.34% | 0.34% | 0.35% | 0.33% | 0.45% | 0.44% | 0.42% | 0.37% | 0.39% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome