(IBN) ICICI Bank - Ratings and Ratios
Banking, Loans, Insurance, Investments, Cards
IBN EPS (Earnings per Share)
IBN Revenue
Description: IBN ICICI Bank
ICICI Bank Limited is a diversified banking institution providing a wide range of financial services to both retail and corporate clients across India and internationally. The bank operates through multiple segments, including Retail Banking, Wholesale Banking, Treasury, and Others, offering various products such as savings accounts, loans, credit cards, investment products, and insurance services.
From a business perspective, ICICI Banks diverse product portfolio and robust distribution network enable it to cater to the varied needs of its customers. Key performance indicators (KPIs) such as Net Interest Margin (NIM), Return on Assets (RoA), and Capital Adequacy Ratio (CAR) are crucial in assessing the banks financial health. With a Return on Equity (RoE) of 17.14%, ICICI Bank demonstrates a reasonable ability to generate profits from shareholders equity.
In terms of valuation, ICICI Banks Price-to-Earnings (P/E) ratio stands at 20.17, indicating that the stock is trading at a reasonable multiple relative to its earnings. The banks Market Capitalization is approximately $119.83 billion USD, reflecting its significant presence in the Indian banking sector. Other important metrics to consider include the banks asset quality, reflected in its Gross Non-Performing Assets (NPA) ratio, and its provisioning coverage ratio, which provides insight into its ability to absorb potential credit losses.
ICICI Banks ability to maintain a strong capital position, coupled with its diversified business model, positions it well to navigate the complexities of the Indian banking landscape. As a Trading Analyst, monitoring key trends such as the growth in retail banking, the evolution of digital banking services, and the banks ability to manage asset quality will be essential in evaluating the stocks future prospects.
IBN Stock Overview
| Market Cap in USD | 118,986m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1999-09-22 |
IBN Stock Ratings
| Growth Rating | 82.8% |
| Fundamental | 56.8% |
| Dividend Rating | 56.2% |
| Return 12m vs S&P 500 | -5.90% |
| Analyst Rating | 4.75 of 5 |
IBN Dividends
| Dividend Yield 12m | 0.82% |
| Yield on Cost 5y | 2.47% |
| Annual Growth 5y | 45.04% |
| Payout Consistency | 80.9% |
| Payout Ratio | 15.7% |
IBN Growth Ratios
| Growth Correlation 3m | -38.4% |
| Growth Correlation 12m | 67% |
| Growth Correlation 5y | 97% |
| CAGR 5y | 25.17% |
| CAGR/Max DD 5y | 0.96 |
| Sharpe Ratio 12m | -0.93 |
| Alpha | 1.06 |
| Beta | 0.395 |
| Volatility | 21.23% |
| Current Volume | 5137.1k |
| Average Volume 20d | 3487k |
| Stop Loss | 30.7 (-3.3%) |
| Signal | -1.49 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (528.91b TTM) > 0 and > 6% of Revenue (6% = 181.14b TTM) |
| FCFTA -0.03 (>2.0%) and ΔFCFTA -9.38pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -478.4% (prev -527.8%; Δ 49.40pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.06 (>3.0%) and CFO 1679.04b > Net Income 528.91b (YES >=105%, WARN >=100%) |
| Net Debt (183.28b) to EBITDA (633.76b) ratio: 0.29 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.12 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (3.62b) change vs 12m ago 1.11% (target <= -2.0% for YES) |
| Gross Margin 68.07% (prev 67.33%; Δ 0.74pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 11.89% (prev 10.41%; Δ 1.49pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.67 (EBITDA TTM 633.76b / Interest Expense TTM 909.95b) >= 6 (WARN >= 3) |
Altman Z'' -2.70
| (A) -0.54 = (Total Current Assets 1968.21b - Total Current Liabilities 16411.37b) / Total Assets 26686.36b |
| (B) 0.12 = Retained Earnings (Balance) 3260.46b / Total Assets 26686.36b |
| (C) 0.02 = EBIT TTM 606.86b / Avg Total Assets 25380.15b |
| (D) 0.28 = Book Value of Equity 6535.18b / Total Liabilities 23232.07b |
| Total Rating: -2.70 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 56.82
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield -4.79% = -2.39 |
| 3. FCF Margin -26.51% = -7.50 |
| 4. Debt/Equity 5.63 = -2.50 |
| 5. Debt/Ebitda 29.29 = -2.50 |
| 6. ROIC - WACC 7.72% = 9.65 |
| 7. RoE 17.39% = 1.45 |
| 8. Rev. Trend 93.53% = 4.68 |
| 9. Rev. CAGR 19.99% = 2.50 |
| 10. EPS Trend 95.98% = 2.40 |
| 11. EPS CAGR 20.32% = 2.03 |
What is the price of IBN shares?
Over the past week, the price has changed by -4.77%, over one month by -5.46%, over three months by -6.87% and over the past year by +10.73%.
Is ICICI Bank a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of IBN is around 36.72 USD . This means that IBN is currently undervalued and has a potential upside of +15.69% (Margin of Safety).
Is IBN a buy, sell or hold?
- Strong Buy: 3
- Buy: 1
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the IBN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 40.8 | 28.4% |
| Analysts Target Price | 39.4 | 24.2% |
| ValueRay Target Price | 38.7 | 22.1% |
Last update: 2025-08-23 04:40
IBN Fundamental Data Overview
CCE Cash And Equivalents = 1968.21b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 19.7219
P/E Forward = 20.3252
P/S = 0.0579
P/B = 3.1434
Beta = 0.495
Revenue TTM = 3018.92b USD
EBIT TTM = 606.86b USD
EBITDA TTM = 633.76b USD
Long Term Debt = 2151.49b USD (from longTermDebt, last quarter)
Short Term Debt = 16411.37b USD (from totalCurrentLiabilities, last quarter)
Debt = 18562.86b USD (Calculated: Short Term 16411.37b + Long Term 2151.49b)
Net Debt = 183.28b USD (from netDebt column, last quarter)
Enterprise Value = 16713.63b USD (118.99b + Debt 18562.86b - CCE 1968.21b)
Interest Coverage Ratio = 0.67 (Ebit TTM 606.86b / Interest Expense TTM 909.95b)
FCF Yield = -4.79% (FCF TTM -800.22b / Enterprise Value 16713.63b)
FCF Margin = -26.51% (FCF TTM -800.22b / Revenue TTM 3018.92b)
Net Margin = 17.52% (Net Income TTM 528.91b / Revenue TTM 3018.92b)
Gross Margin = 68.07% ((Revenue TTM 3018.92b - Cost of Revenue TTM 964.08b) / Revenue TTM)
Tobins Q-Ratio = 2.56 (Enterprise Value 16713.63b / Book Value Of Equity 6535.18b)
Interest Expense / Debt = 1.24% (Interest Expense 230.90b / Debt 18562.86b)
Taxrate = 25.25% (from yearly Income Tax Expense: 184.35b / 730.04b)
NOPAT = 453.62b (EBIT 606.86b * (1 - 25.25%))
Current Ratio = 0.12 (Total Current Assets 1968.21b / Total Current Liabilities 16411.37b)
Debt / Equity = 5.63 (Debt 18562.86b / last Quarter total Stockholder Equity 3296.15b)
Debt / EBITDA = 29.29 (Net Debt 183.28b / EBITDA 633.76b)
Debt / FCF = -23.20 (Debt 18562.86b / FCF TTM -800.22b)
Total Stockholder Equity = 3040.74b (last 4 quarters mean)
RoA = 1.98% (Net Income 528.91b, Total Assets 26686.36b )
RoE = 17.39% (Net Income TTM 528.91b / Total Stockholder Equity 3040.74b)
RoCE = 11.69% (Ebit 606.86b / (Equity 3040.74b + L.T.Debt 2151.49b))
RoIC = 8.69% (NOPAT 453.62b / Invested Capital 5217.74b)
WACC = 0.97% (E(118.99b)/V(18681.84b) * Re(7.47%)) + (D(18562.86b)/V(18681.84b) * Rd(1.24%) * (1-Tc(0.25)))
Shares Correlation 5-Years: 100.0 | Cagr: 0.52%
Discount Rate = 7.47% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
Fair Price DCF = unknown (Cash Flow -800.22b)
Revenue Correlation: 93.53 | Revenue CAGR: 19.99%
Rev Growth-of-Growth: -9.41
EPS Correlation: 95.98 | EPS CAGR: 20.32%
EPS Growth-of-Growth: -7.30
Additional Sources for IBN Stock
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Fund Manager Positions: Dataroma | Stockcircle