Share Price and Basic Stock Data
Last Updated: December 13, 2025, 8:04 am
| PEG Ratio | 1.17 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
ICICI Bank Ltd, one of India’s leading private sector banks, has reported a robust growth trajectory in its revenue streams. For the fiscal year ending March 2025, the bank’s total revenue stood at ₹186,331 Cr, marking a significant increase from ₹121,067 Cr the previous year. This upward momentum is reflected in quarterly revenues, with the most recent quarter (Jun 2025) recording ₹49,080 Cr, up from ₹37,106 Cr in Jun 2023. Such growth can be attributed to a combination of increased lending activities and a growing deposit base, which now exceeds ₹1,641,637 Cr. The bank’s ability to harness both retail and corporate banking segments effectively positions it well within the competitive landscape of the Indian banking sector.
Profitability and Efficiency Metrics
ICICI Bank’s profitability metrics illustrate a solid performance, with the net profit for the fiscal year 2025 reported at ₹54,569 Cr, a substantial rise from ₹35,461 Cr in FY 2023. The bank’s earnings per share (EPS) also reflect this growth, reaching ₹72.41, compared to ₹48.86 in the previous year. Furthermore, the return on equity (ROE) stood at an impressive 18%, showcasing the bank’s efficiency in generating profits from shareholder equity. However, while the net interest margin (NIM) settled at 3.68, the bank has faced challenges with financing margins, which remain negative, hovering around -18% for FY 2025. This indicates that while the bank is effectively managing its core banking operations, there are areas, particularly in terms of financing, that require further attention to enhance overall profitability.
Balance Sheet Strength and Financial Ratios
The balance sheet of ICICI Bank reflects a strong foundation, with total assets reported at ₹2,642,241 Cr as of March 2025. The bank’s equity capital has also shown a steady increase, reaching ₹1,425 Cr, coupled with reserves that have surged to ₹312,481 Cr. This healthy reserve position underlines the bank’s capacity to absorb shocks and invest in future growth. The cost-to-income ratio, which stood at 62.17%, indicates that while operational efficiency is being maintained, there is still room for improvement. Additionally, the bank’s price-to-book value ratio at 3.10 suggests that the stock may be slightly overvalued relative to its book value, a factor that potential investors should consider when evaluating entry points into the stock.
Shareholding Pattern and Investor Confidence
ICICI Bank’s shareholding pattern reveals a balanced distribution of ownership, with foreign institutional investors (FIIs) holding 45.83% and domestic institutional investors (DIIs) at 44.77% as of March 2025. This indicates a healthy level of institutional confidence in the bank’s future prospects. The public’s stake stands at 9.12%, reflecting a solid retail base. Notably, the number of shareholders has increased to 19,02,503, suggesting growing interest among investors. Such a diverse ownership structure can be advantageous, as it may lead to greater stability in the stock price and lower volatility. However, the high concentration of institutional ownership can also lead to significant price movements in response to institutional buying or selling.
Outlook, Risks, and Final Insight
Looking ahead, ICICI Bank appears well-positioned to capitalize on India’s expanding economy and increasing credit demand. However, potential investors should remain cautious of several risks. The bank’s negative financing margins signal challenges in managing interest expenses, which could impact profitability if not addressed. Additionally, macroeconomic factors, such as rising interest rates or economic slowdowns, could weigh on lending growth and asset quality. Furthermore, the competitive landscape in the banking sector remains fierce, with new entrants and fintech firms posing potential threats. Overall, while ICICI Bank has demonstrated strong growth metrics and a solid balance sheet, investors should weigh these strengths against the inherent risks before making investment decisions, considering both the bank’s operational efficiency and broader economic indicators.
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 | 2,232 Cr. | 268 | 367/180 | 27.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,322 Cr. | 25.6 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,193 Cr. | 263 | 331/250 | 8.83 | 307 | 1.52 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 68,780 Cr. | 21.9 | 24.3/16.0 | 24.2 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,278 Cr. | 53.0 | 56.3/30.8 | 24.6 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 163,939.13 Cr | 418.17 | 18.36 | 241.49 | 0.59% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 26,159 | 28,850 | 31,619 | 34,439 | 37,106 | 38,938 | 40,865 | 42,607 | 44,582 | 46,326 | 47,037 | 48,387 | 49,080 |
| Interest | 11,089 | 11,997 | 12,978 | 14,479 | 16,368 | 17,908 | 19,409 | 20,424 | 21,122 | 22,225 | 22,633 | 23,047 | 23,090 |
| Expenses | 18,137 | 22,336 | 22,946 | 25,959 | 21,402 | 24,560 | 24,929 | 30,604 | 29,387 | 32,221 | 33,510 | 37,588 | 31,991 |
| Financing Profit | -3,068 | -5,483 | -4,305 | -6,000 | -663 | -3,530 | -3,473 | -8,421 | -5,927 | -8,120 | -9,106 | -12,248 | -6,002 |
| Financing Margin % | -12% | -19% | -14% | -17% | -2% | -9% | -8% | -20% | -13% | -18% | -19% | -25% | -12% |
| Other Income | 13,271 | 16,634 | 16,470 | 19,735 | 15,229 | 18,690 | 18,615 | 24,575 | 22,688 | 26,617 | 27,589 | 31,361 | 25,496 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 10,203 | 11,151 | 12,165 | 13,735 | 14,566 | 15,160 | 15,142 | 16,154 | 16,761 | 18,496 | 18,483 | 19,113 | 19,494 |
| Tax % | 25% | 25% | 25% | 25% | 24% | 25% | 26% | 26% | 26% | 25% | 25% | 25% | 26% |
| Net Profit | 7,698 | 8,361 | 9,166 | 10,236 | 11,014 | 11,351 | 11,515 | 12,200 | 12,463 | 13,906 | 13,847 | 14,354 | 14,456 |
| EPS in Rs | 10.62 | 11.49 | 12.60 | 14.11 | 15.20 | 15.56 | 15.76 | 16.62 | 16.62 | 18.38 | 18.25 | 18.96 | 19.00 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 1, 2025, 7:50 pm
Below is a detailed analysis of the quarterly data for ICICI Bank Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 23,090.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 23,047.00 Cr. (Mar 2025) to 23,090.00 Cr., marking an increase of 43.00 Cr..
- For Expenses, as of Jun 2025, the value is 31,991.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 37,588.00 Cr. (Mar 2025) to 31,991.00 Cr., marking a decrease of 5,597.00 Cr..
- For Other Income, as of Jun 2025, the value is 25,496.00 Cr.. The value appears to be declining and may need further review. It has decreased from 31,361.00 Cr. (Mar 2025) to 25,496.00 Cr., marking a decrease of 5,865.00 Cr..
- For Depreciation, as of Jun 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 Profit before tax, as of Jun 2025, the value is 19,494.00 Cr.. The value appears strong and on an upward trend. It has increased from 19,113.00 Cr. (Mar 2025) to 19,494.00 Cr., marking an increase of 381.00 Cr..
- For Tax %, as of Jun 2025, the value is 26.00%. The value appears to be increasing, which may not be favorable. It has increased from 25.00% (Mar 2025) to 26.00%, marking an increase of 1.00%.
- For Net Profit, as of Jun 2025, the value is 14,456.00 Cr.. The value appears strong and on an upward trend. It has increased from 14,354.00 Cr. (Mar 2025) to 14,456.00 Cr., marking an increase of 102.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 19.00. The value appears strong and on an upward trend. It has increased from 18.96 (Mar 2025) to 19.00, marking an increase of 0.04.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: August 22, 2025, 6:01 pm
| 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 | 190,830 |
| 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 | 90,996 |
| 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 | 135,310 |
| 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 | -35,476 |
| 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 | 111,063 |
| 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 | 75,587 |
| 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 | 56,563 |
| 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 | 74.59 |
| 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 - No data available for this post.
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 | 61,000,000 | 9.01 | 8206.33 | N/A | N/A | N/A |
| ICICI Prudential Large Cap Fund | 45,841,831 | 8.13 | 6167.1 | N/A | N/A | N/A |
| Parag Parikh Flexi Cap Fund | 43,295,573 | 4.63 | 5824.55 | 31,693,059 | 2025-12-08 07:47:06 | 36.61% |
| ICICI Prudential Value Fund | 33,523,227 | 7.78 | 4509.88 | N/A | N/A | N/A |
| HDFC Balanced Advantage Fund | 33,011,524 | 4.17 | 4441.04 | N/A | N/A | N/A |
| SBI Large Cap Fund | 29,000,000 | 7.13 | 3901.37 | N/A | N/A | N/A |
| HDFC Large Cap Fund | 26,015,474 | 8.8 | 3499.86 | N/A | N/A | N/A |
| Kotak Flexicap Fund | 25,000,000 | 6 | 3363.25 | N/A | N/A | N/A |
| Mirae Asset Large Cap Fund | 24,579,282 | 8.05 | 3306.65 | N/A | N/A | N/A |
| ICICI Prudential Equity & Debt Fund | 22,962,853 | 6.43 | 3089.19 | 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: 18.3 (Industry average Stock P/E: 18.36)
- 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 | companysecretary@icicibank.com http://www.icicibank.com |
| 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 13 December 2025) is 1231.07 which is 9.88% lower the current market price of 1,366.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 9,76,703 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 9,76,703 Cr..
What is the current Stock Price of ICICI Bank Ltd as on 13 December 2025?
The current stock price of ICICI Bank Ltd as on 13 December 2025 is 1,366.
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 18.3.
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.