(IBN) ICICI Bank - Ratings and Ratios
Exchange: NYSE •
Country: India •
Currency: USD •
Type: Common Stock •
ISIN: US45104G1040
Accounts, Loans, Cards, Deposits, Insurance
Dividends
| Dividend Yield | 0.81% |
| Yield on Cost 5y | 1.85% |
| Yield CAGR 5y | 61.72% |
| Payout Consistency | 81.0% |
| Payout Ratio | 15.7% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 20.4% |
| Value at Risk 5%th | 29.8% |
| Relative Tail Risk | -10.97% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.11 |
| Alpha | -7.01 |
| CAGR/Max DD | 0.85 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.441 |
| Beta | 0.265 |
| Beta Downside | 0.307 |
| Drawdowns 3y | |
|---|---|
| Max DD | 13.64% |
| Mean DD | 4.50% |
| Median DD | 3.78% |
Description: IBN ICICI Bank December 02, 2025
ICICI Bank Limited (NYSE:IBN) is a diversified Indian bank operating through Retail Banking, Wholesale Banking, Treasury, Insurance, and ancillary financial services. It offers a full suite of deposit products, a broad array of loan facilities-including consumer, SME, and corporate credit-as well as card services, wealth management, and digital banking platforms for both domestic and NRI customers.
As of FY 2024, the bank reported total assets of roughly ₹24 trillion and a net profit of ₹90 billion, driven by a 12 % YoY increase in loan growth and a net interest margin (NIM) of 4.2 %. The institution’s digital adoption rate now exceeds 70 % of active customers, aligning with the sector-wide shift toward fintech integration and supporting resilience amid India’s projected 6 % GDP expansion in 2025.
For a deeper quantitative dive and scenario analysis, you might find ValueRay’s data visualizations useful for tracking ICICI’s performance trends and peer comparisons.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (533.00b TTM) > 0 and > 6% of Revenue (6% = 183.06b TTM) |
| FCFTA -0.03 (>2.0%) and ΔFCFTA -9.08pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -467.9% (prev -512.9%; Δ 44.99pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.05 (>3.0%) and CFO 1228.05b > Net Income 533.00b (YES >=105%, WARN >=100%) |
| Net Debt (476.71b) to EBITDA (1019.57b) ratio: 0.47 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.13 (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 1.02% (target <= -2.0% for YES) |
| Gross Margin 68.62% (prev 67.35%; Δ 1.27pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 11.73% (prev 10.58%; Δ 1.15pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.93 (EBITDA TTM 1019.57b / Interest Expense TTM 907.88b) >= 6 (WARN >= 3) |
Altman Z'' -2.61
| (A) -0.53 = (Total Current Assets 2140.23b - Total Current Liabilities 16416.37b) / Total Assets 26864.85b |
| (B) 0.12 = Retained Earnings (Balance) 3104.11b / Total Assets 26864.85b |
| (C) 0.03 = EBIT TTM 843.79b / Avg Total Assets 26014.98b |
| (D) 0.27 = Book Value of Equity 6222.48b / Total Liabilities 23346.94b |
| Total Rating: -2.61 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 61.18
| 1. Piotroski 4.0pt |
| 2. FCF Yield -7.85% |
| 3. FCF Margin -26.23% |
| 4. Debt/Equity 0.61 |
| 5. Debt/Ebitda 0.47 |
| 6. ROIC - WACC (= 4.64)% |
| 7. RoE 16.76% |
| 8. Rev. Trend 94.57% |
| 9. EPS Trend 93.24% |
What is the price of IBN shares?
As of December 06, 2025, the stock is trading at USD 30.69 with a total of 2,263,606 shares traded.
Over the past week, the price has changed by -1.73%, over one month by +1.05%, over three months by -3.09% and over the past year by -3.03%.
Over the past week, the price has changed by -1.73%, over one month by +1.05%, over three months by -3.09% and over the past year by -3.03%.
Is IBN a buy, sell or hold?
ICICI Bank has received a consensus analysts rating of 4.75.
Therefore, it is recommended to buy IBN.
- 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 | 40.1 | 30.5% |
| Analysts Target Price | 40.1 | 30.5% |
| ValueRay Target Price | 32.8 | 6.7% |
IBN Fundamental Data Overview November 26, 2025
Market Cap INR = 9832.87b (109.33b USD * 89.934 USD.INR)
P/E Trailing = 18.5212
P/E Forward = 19.0114
P/S = 0.0573
P/B = 2.9076
Beta = 0.276
Revenue TTM = 3050.96b INR
EBIT TTM = 843.79b INR
EBITDA TTM = 1019.57b INR
Long Term Debt = 2152.40b INR (from longTermDebt, last quarter)
Short Term Debt = 226.22b INR (from shortTermDebt, last fiscal year)
Debt = 2036.50b INR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 476.71b INR (from netDebt column, last quarter)
Enterprise Value = 10193.68b INR (9832.87b + Debt 2036.50b - CCE 1675.68b)
Interest Coverage Ratio = 0.93 (Ebit TTM 843.79b / Interest Expense TTM 907.88b)
FCF Yield = -7.85% (FCF TTM -800.22b / Enterprise Value 10193.68b)
FCF Margin = -26.23% (FCF TTM -800.22b / Revenue TTM 3050.96b)
Net Margin = 17.47% (Net Income TTM 533.00b / Revenue TTM 3050.96b)
Gross Margin = 68.62% ((Revenue TTM 3050.96b - Cost of Revenue TTM 957.27b) / Revenue TTM)
Gross Margin QoQ = 69.89% (prev 66.59%)
Tobins Q-Ratio = 0.38 (Enterprise Value 10193.68b / Total Assets 26864.85b)
Interest Expense / Debt = 10.81% (Interest Expense 220.17b / Debt 2036.50b)
Taxrate = 25.14% (48.08b / 191.26b)
NOPAT = 631.67b (EBIT 843.79b * (1 - 25.14%))
Current Ratio = 0.13 (Total Current Assets 2140.23b / Total Current Liabilities 16416.37b)
Debt / Equity = 0.61 (Debt 2036.50b / totalStockholderEquity, last quarter 3355.53b)
Debt / EBITDA = 0.47 (Net Debt 476.71b / EBITDA 1019.57b)
Debt / FCF = -0.60 (negative FCF - burning cash) (Net Debt 476.71b / FCF TTM -800.22b)
Total Stockholder Equity = 3179.40b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.98% (Net Income 533.00b / Total Assets 26864.85b)
RoE = 16.76% (Net Income TTM 533.00b / Total Stockholder Equity 3179.40b)
RoCE = 15.83% (EBIT 843.79b / Capital Employed (Equity 3179.40b + L.T.Debt 2152.40b))
RoIC = 11.82% (NOPAT 631.67b / Invested Capital 5345.10b)
WACC = 7.18% (E(9832.87b)/V(11869.37b) * Re(6.99%) + D(2036.50b)/V(11869.37b) * Rd(10.81%) * (1-Tc(0.25)))
Discount Rate = 6.99% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 0.71%
Fair Price DCF = unknown (Cash Flow -800.22b)
EPS Correlation: 93.24 | EPS CAGR: 12.41% | SUE: 1.64 | # QB: 7
Revenue Correlation: 94.57 | Revenue CAGR: 18.84% | SUE: 0.64 | # QB: 0
EPS current Year (2026-03-31): EPS=1.59 | Chg30d=+0.021 | Revisions Net=+2 | Growth EPS=+2.9% | Growth Revenue=-40.4%
EPS next Year (2027-03-31): EPS=1.81 | Chg30d=+0.019 | Revisions Net=+2 | Growth EPS=+14.3% | Growth Revenue=+13.6%
P/E Trailing = 18.5212
P/E Forward = 19.0114
P/S = 0.0573
P/B = 2.9076
Beta = 0.276
Revenue TTM = 3050.96b INR
EBIT TTM = 843.79b INR
EBITDA TTM = 1019.57b INR
Long Term Debt = 2152.40b INR (from longTermDebt, last quarter)
Short Term Debt = 226.22b INR (from shortTermDebt, last fiscal year)
Debt = 2036.50b INR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 476.71b INR (from netDebt column, last quarter)
Enterprise Value = 10193.68b INR (9832.87b + Debt 2036.50b - CCE 1675.68b)
Interest Coverage Ratio = 0.93 (Ebit TTM 843.79b / Interest Expense TTM 907.88b)
FCF Yield = -7.85% (FCF TTM -800.22b / Enterprise Value 10193.68b)
FCF Margin = -26.23% (FCF TTM -800.22b / Revenue TTM 3050.96b)
Net Margin = 17.47% (Net Income TTM 533.00b / Revenue TTM 3050.96b)
Gross Margin = 68.62% ((Revenue TTM 3050.96b - Cost of Revenue TTM 957.27b) / Revenue TTM)
Gross Margin QoQ = 69.89% (prev 66.59%)
Tobins Q-Ratio = 0.38 (Enterprise Value 10193.68b / Total Assets 26864.85b)
Interest Expense / Debt = 10.81% (Interest Expense 220.17b / Debt 2036.50b)
Taxrate = 25.14% (48.08b / 191.26b)
NOPAT = 631.67b (EBIT 843.79b * (1 - 25.14%))
Current Ratio = 0.13 (Total Current Assets 2140.23b / Total Current Liabilities 16416.37b)
Debt / Equity = 0.61 (Debt 2036.50b / totalStockholderEquity, last quarter 3355.53b)
Debt / EBITDA = 0.47 (Net Debt 476.71b / EBITDA 1019.57b)
Debt / FCF = -0.60 (negative FCF - burning cash) (Net Debt 476.71b / FCF TTM -800.22b)
Total Stockholder Equity = 3179.40b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.98% (Net Income 533.00b / Total Assets 26864.85b)
RoE = 16.76% (Net Income TTM 533.00b / Total Stockholder Equity 3179.40b)
RoCE = 15.83% (EBIT 843.79b / Capital Employed (Equity 3179.40b + L.T.Debt 2152.40b))
RoIC = 11.82% (NOPAT 631.67b / Invested Capital 5345.10b)
WACC = 7.18% (E(9832.87b)/V(11869.37b) * Re(6.99%) + D(2036.50b)/V(11869.37b) * Rd(10.81%) * (1-Tc(0.25)))
Discount Rate = 6.99% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 0.71%
Fair Price DCF = unknown (Cash Flow -800.22b)
EPS Correlation: 93.24 | EPS CAGR: 12.41% | SUE: 1.64 | # QB: 7
Revenue Correlation: 94.57 | Revenue CAGR: 18.84% | SUE: 0.64 | # QB: 0
EPS current Year (2026-03-31): EPS=1.59 | Chg30d=+0.021 | Revisions Net=+2 | Growth EPS=+2.9% | Growth Revenue=-40.4%
EPS next Year (2027-03-31): EPS=1.81 | Chg30d=+0.019 | Revisions Net=+2 | Growth EPS=+14.3% | Growth Revenue=+13.6%
Additional Sources for IBN Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle