Share Price and Basic Stock Data
Last Updated: January 2, 2026, 7:33 pm
| PEG Ratio | 1.16 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
ICICI Bank Ltd, a prominent player in the private sector banking industry, reported a stock price of ₹1,340, with a market capitalization of ₹9,58,297 Cr. The bank has demonstrated robust revenue growth, with total revenue rising from ₹95,407 Cr in March 2022 to ₹121,067 Cr in March 2023, and projected to reach ₹159,516 Cr in March 2024. The quarterly revenue figures reflect a consistent increase, with revenue recorded at ₹38,938 Cr in September 2023 and expected to reach ₹40,865 Cr by December 2023. This growth trajectory indicates strong operational performance, bolstered by the bank’s ability to leverage its extensive branch network and digital banking initiatives. Additionally, the bank’s interest income has also seen a positive trend, standing at ₹50,543 Cr in March 2023 and expected to increase to ₹74,108 Cr in March 2024, highlighting the bank’s effective interest rate management in a rising rate environment. Overall, ICICI Bank’s revenue growth is indicative of its strong market positioning and operational efficiency.
Profitability and Efficiency Metrics
ICICI Bank’s profitability metrics reflect a sound financial performance, with a reported net profit of ₹56,975 Cr for the trailing twelve months. The bank’s profit before tax increased from ₹46,256 Cr in March 2023 to ₹60,434 Cr in March 2024, showcasing a significant upward trend. The net profit margin stood at 29.20% in March 2025, an improvement from 28.46% in March 2023, underscoring its ability to manage costs effectively while enhancing revenue generation. The return on equity (ROE) was reported at 17.9%, which is competitive within the banking sector, reflecting the bank’s efficiency in utilizing shareholders’ equity to generate profits. However, the return on capital employed (ROCE) at 7.87% indicates room for improvement in capital efficiency. The financing margin has shown volatility, with a negative financing margin of -14% in March 2023, indicating challenges in interest spread management. The bank’s focus on improving operational efficiencies and profitability will be critical in sustaining growth amidst competitive pressures.
Balance Sheet Strength and Financial Ratios
ICICI Bank’s balance sheet reveals considerable strength, with total assets reported at ₹2,642,241 Cr in March 2025, reflecting a solid growth trajectory from ₹1,958,490 Cr in March 2023. The bank’s reserves stood at ₹331,807 Cr, showcasing its ability to retain earnings and bolster equity capital. The bank’s equity capital increased from ₹1,397 Cr in March 2023 to ₹1,425 Cr in March 2025, indicating a stable capital base. In terms of financial ratios, the bank’s price-to-earnings (P/E) ratio stood at 18.0, while the price-to-book value (P/BV) was reported at 3.10, indicating a premium valuation compared to sector peers. The net interest margin at 3.68x also reflects effective management of interest income relative to interest expenses. However, the cost-to-income ratio of 62.17% indicates that the bank may need to enhance operational efficiencies to improve profitability further. Overall, ICICI Bank’s balance sheet exhibits resilience, but continuous monitoring of cost management is essential.
Shareholding Pattern and Investor Confidence
The shareholding structure of ICICI Bank illustrates a balanced mix of institutional and retail investors, with foreign institutional investors (FIIs) holding 45.56% and domestic institutional investors (DIIs) holding 45.06% as of September 2025. This diverse ownership base reflects strong investor confidence in the bank’s growth potential. The number of shareholders has increased significantly, from 17,80,472 in December 2022 to 20,20,382 in September 2025, indicating growing retail interest. The public shareholding remained stable, standing at 9.11%, suggesting a robust institutional backing. The government stake has remained minimal, indicating a privatized structure that allows for greater operational flexibility. The consistent support from institutional investors signifies confidence in the bank’s strategic direction and financial health. However, the slight decline in FII holdings from previous months may warrant attention, as fluctuations in foreign investments can impact stock performance.
Outlook, Risks, and Final Insight
ICICI Bank’s outlook appears promising, driven by strong revenue growth, improving profitability, and a solid balance sheet. The bank is well-positioned to capitalize on growth opportunities in the Indian banking sector, particularly with the increasing digitalization of financial services. However, risks remain, including potential fluctuations in interest rates that could impact net interest margins and overall profitability. Additionally, the bank faces competitive pressures from both traditional banks and fintech companies, which could challenge its market share. The ongoing geopolitical tensions and economic uncertainties could also affect investor sentiment and foreign institutional investments. To mitigate these risks, ICICI Bank must continue to focus on enhancing operational efficiencies, managing costs effectively, and maintaining strong capital ratios. In conclusion, while the bank demonstrates significant strengths, proactive risk management will be key to sustaining its growth trajectory in the coming years.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,148 Cr. | 259 | 345/180 | 26.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,379 Cr. | 26.8 | 42.8/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,230 Cr. | 271 | 331/249 | 9.10 | 307 | 1.48 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 69,941 Cr. | 22.3 | 24.3/16.0 | 24.7 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,807 Cr. | 55.7 | 56.3/30.8 | 25.9 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 164,290.52 Cr | 427.11 | 18.81 | 241.49 | 0.59% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 28,850 | 31,619 | 34,439 | 37,106 | 38,938 | 40,865 | 42,607 | 44,582 | 46,326 | 47,037 | 48,387 | 49,080 | 48,181 |
| Interest | 11,997 | 12,978 | 14,479 | 16,368 | 17,908 | 19,409 | 20,424 | 21,122 | 22,225 | 22,633 | 23,047 | 23,090 | 22,017 |
| Expenses | 22,336 | 22,946 | 25,959 | 21,402 | 24,560 | 24,929 | 30,604 | 29,387 | 32,221 | 33,510 | 37,588 | 31,991 | 35,065 |
| Financing Profit | -5,483 | -4,305 | -6,000 | -663 | -3,530 | -3,473 | -8,421 | -5,927 | -8,120 | -9,106 | -12,248 | -6,002 | -8,901 |
| Financing Margin % | -19% | -14% | -17% | -2% | -9% | -8% | -20% | -13% | -18% | -19% | -25% | -12% | -18% |
| Other Income | 16,634 | 16,470 | 19,735 | 15,229 | 18,690 | 18,615 | 24,575 | 22,688 | 26,617 | 27,589 | 31,361 | 25,496 | 28,027 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 11,151 | 12,165 | 13,735 | 14,566 | 15,160 | 15,142 | 16,154 | 16,761 | 18,496 | 18,483 | 19,113 | 19,494 | 19,126 |
| Tax % | 25% | 25% | 25% | 24% | 25% | 26% | 26% | 26% | 25% | 25% | 25% | 26% | 25% |
| Net Profit | 8,361 | 9,166 | 10,236 | 11,014 | 11,351 | 11,515 | 12,200 | 12,463 | 13,906 | 13,847 | 14,354 | 14,456 | 14,318 |
| EPS in Rs | 11.49 | 12.60 | 14.11 | 15.20 | 15.56 | 15.76 | 16.62 | 16.62 | 18.38 | 18.25 | 18.96 | 19.00 | 18.70 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: January 1, 2026, 9:46 am
Below is a detailed analysis of the quarterly data for ICICI Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 22,017.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 23,090.00 Cr. (Jun 2025) to 22,017.00 Cr., marking a decrease of 1,073.00 Cr..
- For Expenses, as of Sep 2025, the value is 35,065.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 31,991.00 Cr. (Jun 2025) to 35,065.00 Cr., marking an increase of 3,074.00 Cr..
- For Other Income, as of Sep 2025, the value is 28,027.00 Cr.. The value appears strong and on an upward trend. It has increased from 25,496.00 Cr. (Jun 2025) to 28,027.00 Cr., marking an increase of 2,531.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 19,126.00 Cr.. The value appears to be declining and may need further review. It has decreased from 19,494.00 Cr. (Jun 2025) to 19,126.00 Cr., marking a decrease of 368.00 Cr..
- For Tax %, as of Sep 2025, the value is 25.00%. The value appears to be improving (decreasing) as expected. It has decreased from 26.00% (Jun 2025) to 25.00%, marking a decrease of 1.00%.
- For Net Profit, as of Sep 2025, the value is 14,318.00 Cr.. The value appears to be declining and may need further review. It has decreased from 14,456.00 Cr. (Jun 2025) to 14,318.00 Cr., marking a decrease of 138.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 18.70. The value appears to be declining and may need further review. It has decreased from 19.00 (Jun 2025) to 18.70, marking a decrease of 0.30.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:14 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 49,479 | 54,964 | 59,294 | 60,940 | 62,162 | 71,982 | 84,836 | 89,163 | 95,407 | 121,067 | 159,516 | 186,331 | 192,685 |
| Interest | 29,711 | 32,318 | 33,996 | 34,836 | 34,262 | 39,178 | 44,666 | 42,659 | 41,167 | 50,543 | 74,108 | 89,028 | 90,788 |
| Expenses | 32,852 | 38,766 | 52,252 | 63,841 | 72,806 | 83,775 | 85,361 | 91,309 | 80,798 | 87,864 | 99,560 | 130,078 | 138,154 |
| Financing Profit | -13,084 | -16,120 | -26,955 | -37,737 | -44,906 | -50,971 | -45,190 | -44,805 | -26,558 | -17,341 | -14,152 | -32,775 | -36,257 |
| Financing Margin % | -26% | -29% | -45% | -62% | -72% | -71% | -53% | -50% | -28% | -14% | -9% | -18% | -19% |
| Other Income | 30,085 | 35,252 | 42,102 | 52,458 | 56,807 | 59,325 | 64,950 | 72,174 | 62,129 | 65,112 | 76,522 | 108,255 | 112,474 |
| Depreciation | 719 | 798 | 843 | 912 | 922 | 946 | 1,171 | 1,340 | 1,330 | 1,515 | 1,935 | 2,627 | 0 |
| Profit before tax | 16,282 | 18,334 | 14,304 | 13,809 | 10,978 | 7,408 | 18,589 | 26,028 | 34,241 | 46,256 | 60,434 | 72,854 | 76,217 |
| Tax % | 28% | 29% | 24% | 18% | 17% | 23% | 40% | 22% | 25% | 26% | 26% | 25% | |
| Net Profit | 11,677 | 12,942 | 10,927 | 11,340 | 9,100 | 5,689 | 11,225 | 20,364 | 26,538 | 35,461 | 46,081 | 54,569 | 56,975 |
| EPS in Rs | 17.38 | 19.20 | 15.92 | 15.90 | 12.00 | 6.60 | 14.78 | 26.58 | 36.14 | 48.74 | 63.02 | 71.65 | 74.91 |
| Dividend Payout % | 24% | 24% | 29% | 14% | 12% | 15% | 0% | 8% | 14% | 16% | 16% | 15% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 10.83% | -15.57% | 3.78% | -19.75% | -37.48% | 97.31% | 81.42% | 30.32% | 33.62% | 29.95% | 18.42% |
| Change in YoY Net Profit Growth (%) | 0.00% | -26.40% | 19.35% | -23.53% | -17.73% | 134.79% | -15.89% | -51.10% | 3.31% | -3.68% | -11.53% |
ICICI Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 13% |
| 5 Years: | 17% |
| 3 Years: | 25% |
| TTM: | 14% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 15% |
| 5 Years: | 40% |
| 3 Years: | 27% |
| TTM: | 17% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 19% |
| 5 Years: | 30% |
| 3 Years: | 17% |
| 1 Year: | 14% |
| Return on Equity | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 17% |
| 3 Years: | 18% |
| Last Year: | 18% |
Last Updated: September 5, 2025, 6:35 am
Balance Sheet
Last Updated: December 4, 2025, 1:23 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 1,155 | 1,160 | 1,163 | 1,165 | 1,286 | 1,289 | 1,295 | 1,383 | 1,390 | 1,397 | 1,405 | 1,425 | 1,429 |
| Reserves | 75,275 | 83,545 | 92,948 | 103,467 | 109,344 | 112,964 | 121,665 | 156,204 | 180,663 | 213,101 | 254,739 | 312,481 | 331,807 |
| Deposits | 441,459 | 478,042 | 482,401 | 530,204 | 585,796 | 681,317 | 800,784 | 959,940 | 1,091,366 | 1,210,832 | 1,443,580 | 1,641,637 | 1,645,865 |
| Borrowing | 101,596 | 119,165 | 189,054 | 170,670 | 229,402 | 210,324 | 213,852 | 143,900 | 161,603 | 189,062 | 207,428 | 218,883 | 215,240 |
| Other Liabilities | 128,278 | 144,167 | 153,190 | 180,219 | 198,453 | 232,899 | 239,696 | 312,385 | 317,616 | 344,099 | 456,911 | 467,815 | 492,145 |
| Total Liabilities | 747,762 | 826,079 | 918,756 | 985,725 | 1,124,281 | 1,238,794 | 1,377,292 | 1,573,812 | 1,752,637 | 1,958,490 | 2,364,063 | 2,642,241 | 2,686,485 |
| Fixed Assets | 5,507 | 5,871 | 8,713 | 9,338 | 9,465 | 9,660 | 10,409 | 10,809 | 10,707 | 11,070 | 15,714 | 24,272 | 16,562 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 267,609 | 274,311 | 286,044 | 304,373 | 372,208 | 398,201 | 443,473 | 536,579 | 567,098 | 639,552 | 827,163 | 886,377 | 899,798 |
| Other Assets | 474,646 | 545,897 | 623,999 | 672,013 | 742,608 | 830,933 | 923,411 | 1,026,424 | 1,174,833 | 1,307,868 | 1,521,186 | 1,731,593 | 1,770,125 |
| Total Assets | 747,762 | 826,079 | 918,756 | 985,725 | 1,124,281 | 1,238,794 | 1,377,292 | 1,573,812 | 1,752,637 | 1,958,490 | 2,364,063 | 2,642,241 | 2,686,485 |
Below is a detailed analysis of the balance sheet data for ICICI Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 1,429.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,425.00 Cr. (Mar 2025) to 1,429.00 Cr., marking an increase of 4.00 Cr..
- For Reserves, as of Sep 2025, the value is 331,807.00 Cr.. The value appears strong and on an upward trend. It has increased from 312,481.00 Cr. (Mar 2025) to 331,807.00 Cr., marking an increase of 19,326.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 492,145.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 467,815.00 Cr. (Mar 2025) to 492,145.00 Cr., marking an increase of 24,330.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 2,686,485.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,642,241.00 Cr. (Mar 2025) to 2,686,485.00 Cr., marking an increase of 44,244.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 16,562.00 Cr.. The value appears to be declining and may need further review. It has decreased from 24,272.00 Cr. (Mar 2025) to 16,562.00 Cr., marking a decrease of 7,710.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 899,798.00 Cr.. The value appears strong and on an upward trend. It has increased from 886,377.00 Cr. (Mar 2025) to 899,798.00 Cr., marking an increase of 13,421.00 Cr..
- For Other Assets, as of Sep 2025, the value is 1,770,125.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,731,593.00 Cr. (Mar 2025) to 1,770,125.00 Cr., marking an increase of 38,532.00 Cr..
- For Total Assets, as of Sep 2025, the value is 2,686,485.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,642,241.00 Cr. (Mar 2025) to 2,686,485.00 Cr., marking an increase of 44,244.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -409.00 | -440.00 | -430.00 | -467.00 | -513.00 | -598.00 | -715.00 | -868.00 | 79.00 | 86.00 | 98.00 | 129.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 15% | 15% | 11% | 10% | 7% | 4% | 8% | 13% | 15% | 17% | 19% | 18% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| HDFC Flexi Cap Fund | 64,000,000 | 9.45 | 8888.32 | 61,000,000 | 2025-12-15 06:13:35 | 4.92% |
| ICICI Prudential Large Cap Fund | 47,370,668 | 8.42 | 6578.84 | 45,841,831 | 2025-12-14 00:45:11 | 3.34% |
| Parag Parikh Flexi Cap Fund | 45,308,598 | 4.85 | 6292.46 | 43,295,573 | 2025-12-14 00:45:11 | 4.65% |
| ICICI Prudential Value Fund | 38,278,164 | 8.8 | 5316.07 | 33,523,227 | 2025-12-14 00:45:11 | 14.18% |
| HDFC Balanced Advantage Fund | 34,763,763 | 4.47 | 4827.99 | 33,011,524 | 2025-12-14 00:45:11 | 5.31% |
| SBI Large Cap Fund | 29,000,000 | 7.24 | 4027.52 | N/A | N/A | N/A |
| HDFC Large Cap Fund | 27,215,474 | 9.31 | 3779.69 | 26,015,474 | 2025-12-15 07:45:20 | 4.61% |
| Mirae Asset Large Cap Fund | 24,744,264 | 8.21 | 3436.48 | 24,579,282 | 2025-12-14 00:45:11 | 0.67% |
| ICICI Prudential Multi Asset Fund | 23,271,875 | 4.31 | 3232 | 18,956,800 | 2025-12-08 07:47:06 | 22.76% |
| ICICI Prudential Equity & Debt Fund | 22,962,853 | 6.48 | 3189.08 | 21,002,732 | 2025-12-08 02:56:21 | 9.33% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 72.41 | 63.19 | 48.86 | 36.21 | 27.26 |
| Diluted EPS (Rs.) | 71.14 | 61.96 | 47.84 | 35.44 | 26.83 |
| Cash EPS (Rs.) | 80.09 | 66.84 | 51.52 | 39.01 | 31.17 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 435.39 | 360.27 | 302.71 | 257.31 | 223.31 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 440.69 | 364.70 | 307.13 | 261.95 | 227.82 |
| Operating Revenue / Share (Rs.) | 261.59 | 227.12 | 173.35 | 137.28 | 128.90 |
| Net Profit / Share (Rs.) | 76.40 | 64.08 | 49.35 | 37.10 | 29.23 |
| Net Profit After MI / Share (Rs.) | 71.64 | 63.01 | 48.74 | 36.13 | 26.58 |
| Net Profit Margin (%) | 29.20 | 28.21 | 28.46 | 27.02 | 22.67 |
| Net Profit After MI And SOA Nargin (%) | 27.38 | 27.74 | 28.11 | 26.31 | 20.61 |
| Operating Profit Margin (%) | 26.47 | 27.79 | 25.40 | 22.15 | 17.05 |
| Return On Assets (%) | 1.93 | 1.87 | 1.73 | 1.43 | 1.16 |
| Return On Equity / Networth (%) | 16.45 | 17.49 | 16.10 | 14.04 | 11.90 |
| Net Interest Margin (X) | 3.68 | 3.61 | 3.60 | 3.09 | 2.95 |
| Cost To Income (%) | 62.17 | 60.38 | 60.77 | 62.86 | 64.34 |
| Interest Income / Total Assets (%) | 7.05 | 6.74 | 6.18 | 5.44 | 5.66 |
| Non-Interest Income / Total Assets (%) | 4.09 | 3.23 | 3.32 | 3.54 | 4.57 |
| Operating Profit / Total Assets (%) | -2.03 | -1.33 | -1.56 | -2.07 | -3.29 |
| Operating Expenses / Total Assets (%) | 4.83 | 4.13 | 4.20 | 4.17 | 4.84 |
| Interest Expenses / Total Assets (%) | 3.36 | 3.13 | 2.58 | 2.34 | 2.71 |
| Enterprise Value (Rs.Cr.) | 2700743.50 | 2330723.67 | 1943870.53 | 1700251.18 | 1459591.40 |
| EV Per Net Sales (X) | 14.49 | 14.61 | 16.06 | 17.82 | 16.37 |
| Price To Book Value (X) | 3.10 | 3.04 | 2.90 | 2.84 | 2.60 |
| Price To Sales (X) | 5.15 | 4.82 | 5.06 | 5.32 | 4.51 |
| Retention Ratios (%) | 86.20 | 87.34 | 89.77 | 94.48 | 100.00 |
| Earnings Yield (X) | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
After reviewing the key financial ratios for ICICI Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 72.41. This value is within the healthy range. It has increased from 63.19 (Mar 24) to 72.41, marking an increase of 9.22.
- For Diluted EPS (Rs.), as of Mar 25, the value is 71.14. This value is within the healthy range. It has increased from 61.96 (Mar 24) to 71.14, marking an increase of 9.18.
- For Cash EPS (Rs.), as of Mar 25, the value is 80.09. This value is within the healthy range. It has increased from 66.84 (Mar 24) to 80.09, marking an increase of 13.25.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 435.39. It has increased from 360.27 (Mar 24) to 435.39, marking an increase of 75.12.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 440.69. It has increased from 364.70 (Mar 24) to 440.69, marking an increase of 75.99.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 76.40. This value is within the healthy range. It has increased from 64.08 (Mar 24) to 76.40, marking an increase of 12.32.
- For Net Profit Margin (%), as of Mar 25, the value is 29.20. This value exceeds the healthy maximum of 10. It has increased from 28.21 (Mar 24) to 29.20, marking an increase of 0.99.
- For Return On Assets (%), as of Mar 25, the value is 1.93. This value is below the healthy minimum of 5. It has increased from 1.87 (Mar 24) to 1.93, marking an increase of 0.06.
- For Retention Ratios (%), as of Mar 25, the value is 86.20. This value exceeds the healthy maximum of 70. It has decreased from 87.34 (Mar 24) to 86.20, marking a decrease of 1.14.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in ICICI Bank Ltd:
- Net Profit Margin: 29.2%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 18.2 (Industry average Stock P/E: 18.81)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 29.2%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | ICICI Bank Tower, Near Chakli Circle, Vadodra Gujarat 390007 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Pradeep Kumar Sinha | Non Exe.Part Time Chairman |
| Mr. Sandeep Bakhshi | Managing Director & CEO |
| Mr. Rakesh Jha | Executive Director |
| Mr. Sandeep Batra | Executive Director |
| Mr. Ajay Kumar Gupta | Executive Director |
| Mr. S Madhavan | Independent Director |
| Mr. Radhakrishnan Nair | Independent Director |
| Mr. B Sriram | Independent Director |
| Ms. Vibha Paul Rishi | Independent Director |
| Ms. Neelam Dhawan | Independent Director |
| Mr. Rohit Bhasin | Independent Director |
| Mr. Punit Sood | Independent Director |
FAQ
What is the intrinsic value of ICICI Bank Ltd?
ICICI Bank Ltd's intrinsic value (as of 02 January 2026) is ₹1224.35 which is 9.64% lower the current market price of ₹1,355.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹9,69,528 Cr. market cap, FY2025-2026 high/low of ₹1,500/1,186, reserves of ₹331,807 Cr, and liabilities of ₹2,686,485 Cr.
What is the Market Cap of ICICI Bank Ltd?
The Market Cap of ICICI Bank Ltd is 9,69,528 Cr..
What is the current Stock Price of ICICI Bank Ltd as on 02 January 2026?
The current stock price of ICICI Bank Ltd as on 02 January 2026 is ₹1,355.
What is the High / Low of ICICI Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of ICICI Bank Ltd stocks is ₹1,500/1,186.
What is the Stock P/E of ICICI Bank Ltd?
The Stock P/E of ICICI Bank Ltd is 18.2.
What is the Book Value of ICICI Bank Ltd?
The Book Value of ICICI Bank Ltd is 466.
What is the Dividend Yield of ICICI Bank Ltd?
The Dividend Yield of ICICI Bank Ltd is 0.81 %.
What is the ROCE of ICICI Bank Ltd?
The ROCE of ICICI Bank Ltd is 7.87 %.
What is the ROE of ICICI Bank Ltd?
The ROE of ICICI Bank Ltd is 17.9 %.
What is the Face Value of ICICI Bank Ltd?
The Face Value of ICICI Bank Ltd is 2.00.