Kotak Mahindra Bank Limited (KOTAKBANK.NS) stock analysis

In our weekly check, Kotak Mahindra Bank Limited is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 1, red flags: 6.

About Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited is a Financial Services company (Banks - Regional) based in India, listed on NSE as KOTAKBANK.NS.

What our checks show for KOTAKBANK.NS

Red flags

• The gross margin fell by 8.2 points, to 71.8%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 18.5% a year.
• The stock has fallen as much as 85% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 4.1 years.
• Return on capital (ROCE) is zero or negative: the business does not earn on the money put into it.

Warning signs

• The net margin fell by 2.8 points over 5 years, to 18.2%: the company keeps less of each sale as profit.

Strengths

• Operating cash flow is 1.84x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 18.6 points from today's 18.2%.
• Revenue grew 18.9% a year over the last 3 years.
• Earnings per share grew 10.8% a year over the last 3 years.
• Net profit grew 10.8% a year over the last 3 years.
• Free cash flow is 32.7% of revenue: cash for dividends, buybacks or growth.

Similar companies

8309.T · 8308.T · AXISBANK.NS · 6178.T · SBIN.NS · 7186.T

Questions

What grade does Kotak Mahindra Bank Limited (KOTAKBANK.NS) have?

In our weekly check, Kotak Mahindra Bank Limited is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 1, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of KOTAKBANK.NS stock?

This week's biggest flags for Kotak Mahindra Bank Limited: Gross margin falling, Weak revenue forecast, Deep past fall. In total 7 of 25 checks show a warning or a red flag.

What does Kotak Mahindra Bank Limited do?

Kotak Mahindra Bank Limited is a Financial Services company (Banks - Regional) based in India, listed on NSE as KOTAKBANK.NS.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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