Kotak Mahindra Bank Full Year 2025 Earnings: EPS Beats Expectations, Revenues Lag

Kotak Mahindra Bank (NSE:KOTAKBANK) Full Year 2025 Results

Key Financial Results

• Revenue: ₹747.2b (up 7.3% from FY 2024).
• Net income: ₹221.3b (up 22% from FY 2024).
• Profit margin: 30% (up from 26% in FY 2024). The increase in margin was driven by higher revenue.
• EPS: ₹111 (up from ₹91.45 in FY 2024).

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KOTAKBANK Banking Performance Indicators

• Net interest margin (NIM): 4.97% (down from 5.31% in FY 2024).
• Cost-to-income ratio: 47.2% (up from 46.0% in FY 2024).
• Non-performing loans: 1.46% (up from 1.39% in FY 2024).

All figures shown in the chart above are for the trailing 12 month (TTM) period

Kotak Mahindra Bank EPS Beats Expectations, Revenues Fall Short

Revenue missed analyst estimates by 12%. Earnings per share (EPS) exceeded analyst estimates by 7.8%.

The primary driver behind last 12 months revenue was the Retail Banking - Other Retail Banking segment contributing a total revenue of ₹316.6b (42% of total revenue). Explore how KOTAKBANK's revenue and expenses shape its earnings.

Looking ahead, revenue is expected to fall by 9.1% p.a. on average during the next 3 years compared to a 1.0% decline forecast for the Banks industry in India.

Performance of the Indian Banks industry.

The company's shares are up 4.3% from a week ago.

Risk Analysis

It's still necessary to consider the ever-present spectre of investment risk. We've identified 1 warning sign with Kotak Mahindra Bank, and understanding it should be part of your investment process.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.