Share Price and Basic Stock Data
Last Updated: February 11, 2026, 8:49 pm
| PEG Ratio | 1.21 |
|---|
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 Indian private banking sector, reported a current share price of ₹1,406 and a market capitalization of ₹10,06,584 Cr. The bank has demonstrated a robust upward trajectory in revenue, with reported figures increasing from ₹31,619 Cr in December 2022 to ₹38,938 Cr by September 2023. This growth continued into the fiscal year 2024, where revenue rose to ₹121,067 Cr, and is projected to reach ₹186,331 Cr by March 2025. The bank’s revenue growth reflects a compound annual growth rate (CAGR) that illustrates its increasing market share and customer base. Additionally, the trailing twelve months (TTM) revenue stood at ₹192,685 Cr, indicating strong operational performance relative to historical trends. The bank has successfully diversified its income streams, which is crucial in a competitive landscape where reliance on traditional banking services is diminishing.
Profitability and Efficiency Metrics
ICICI Bank’s profitability metrics are indicative of its operational efficiency and management effectiveness. The bank reported a net profit of ₹56,975 Cr, translating to an impressive return on equity (ROE) of 17.9% and a return on capital employed (ROCE) of 7.87%. These figures position ICICI Bank favorably compared to sector averages, which typically hover around 10-15% for ROE in the private banking sector. The bank’s net profit margin stood at 29.20% for FY 2025, highlighting its ability to convert revenue into profit efficiently. However, the financing margin remains a concern, recorded at -18% for the same period, reflecting challenges in interest income management amidst rising interest rates. This underlines the need for strategic adjustments in asset-liability management as the bank navigates the evolving economic landscape.
Balance Sheet Strength and Financial Ratios
ICICI Bank’s balance sheet reflects substantial growth in total assets, which increased to ₹2,642,241 Cr by March 2025. The bank’s reserves also saw a significant rise, reported at ₹331,807 Cr, which bolsters its capital adequacy and provides a cushion against potential economic shocks. The bank’s equity capital rose to ₹1,425 Cr, while borrowings stood at ₹218,883 Cr, indicating a balanced approach to leveraging assets for growth. The net interest margin was recorded at 3.68x, surpassing typical sector benchmarks, which generally range from 3-3.5x. However, the cost-to-income ratio of 62.17% suggests that operational efficiency could be further improved. The price-to-book value ratio stood at 3.10x, reflecting investor confidence in the bank’s growth trajectory, although it also indicates a premium valuation compared to some peers in the sector.
Shareholding Pattern and Investor Confidence
The shareholding pattern of ICICI Bank showcases a balanced mix of institutional and retail investors. As of September 2025, foreign institutional investors (FIIs) held 45.56%, while domestic institutional investors (DIIs) accounted for 45.06%, with the public holding 9.11%. This distribution indicates strong institutional confidence in the bank’s strategic direction and growth potential. The increasing number of shareholders, which rose to 20,20,382, further illustrates growing retail interest in the bank’s stock. Over recent quarters, both FIIs and DIIs have maintained stable ownership percentages, indicating confidence in the bank’s operational resilience. However, the reliance on institutional investors may pose risks if market sentiment shifts, potentially impacting stock performance. The stability in shareholding is a positive sign for long-term growth.
Outlook, Risks, and Final Insight
Looking ahead, ICICI Bank is well-positioned to capitalize on India’s growing economy and increasing financial inclusion. However, challenges such as rising interest rates and competitive pressures from fintech companies could impact profitability and market share. The bank’s ability to enhance its net interest margin and manage operational costs will be critical in maintaining its competitive edge. Additionally, the bank must navigate potential regulatory changes that could affect its operations. While the current financial metrics reflect a strong and stable institution, any significant downturn in the economic environment or shifts in consumer behavior could pose risks. Overall, ICICI Bank’s robust fundamentals and strategic initiatives suggest a positive outlook, provided it effectively addresses the identified risks and leverages growth opportunities in the evolving financial landscape.
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 | 1,890 Cr. | 228 | 339/180 | 26.4 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,466 Cr. | 28.4 | 36.2/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,229 Cr. | 272 | 331/249 | 9.07 | 306 | 1.47 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 66,900 Cr. | 21.3 | 24.3/16.0 | 21.1 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 12,173 Cr. | 62.7 | 68.0/30.9 | 24.6 | 32.1 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,102.74 Cr | 354.61 | 17.89 | 214.17 | 0.57% | 6.84% | 11.80% | 6.30 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 31,619 | 34,439 | 37,106 | 38,938 | 40,865 | 42,607 | 44,582 | 46,326 | 47,037 | 48,387 | 49,080 | 48,181 | 48,364 |
| Interest | 12,978 | 14,479 | 16,368 | 17,908 | 19,409 | 20,424 | 21,122 | 22,225 | 22,633 | 23,047 | 23,090 | 22,017 | 21,874 |
| Expenses | 22,946 | 25,959 | 21,402 | 24,560 | 24,929 | 30,604 | 29,387 | 32,221 | 33,510 | 37,588 | 31,991 | 35,065 | 37,154 |
| Financing Profit | -4,305 | -6,000 | -663 | -3,530 | -3,473 | -8,421 | -5,927 | -8,120 | -9,106 | -12,248 | -6,002 | -8,901 | -10,664 |
| Financing Margin % | -14% | -17% | -2% | -9% | -8% | -20% | -13% | -18% | -19% | -25% | -12% | -18% | -22% |
| Other Income | 16,470 | 19,735 | 15,229 | 18,690 | 18,615 | 24,575 | 22,688 | 26,617 | 27,589 | 31,361 | 25,496 | 27,966 | 28,418 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 12,165 | 13,735 | 14,566 | 15,160 | 15,142 | 16,154 | 16,761 | 18,496 | 18,483 | 19,113 | 19,494 | 19,065 | 17,754 |
| Tax % | 25% | 25% | 24% | 25% | 26% | 26% | 26% | 25% | 25% | 25% | 26% | 25% | 24% |
| Net Profit | 9,166 | 10,236 | 11,014 | 11,351 | 11,515 | 12,200 | 12,463 | 13,906 | 13,847 | 14,354 | 14,456 | 14,318 | 13,481 |
| EPS in Rs | 12.60 | 14.11 | 15.20 | 15.56 | 15.76 | 16.62 | 16.62 | 18.38 | 18.25 | 18.96 | 19.00 | 18.70 | 17.53 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 5, 2026, 3:39 pm
Below is a detailed analysis of the quarterly data for ICICI Bank Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 21,874.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 22,017.00 Cr. (Sep 2025) to 21,874.00 Cr., marking a decrease of 143.00 Cr..
- For Expenses, as of Dec 2025, the value is 37,154.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 35,065.00 Cr. (Sep 2025) to 37,154.00 Cr., marking an increase of 2,089.00 Cr..
- For Other Income, as of Dec 2025, the value is 28,418.00 Cr.. The value appears strong and on an upward trend. It has increased from 27,966.00 Cr. (Sep 2025) to 28,418.00 Cr., marking an increase of 452.00 Cr..
- For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 17,754.00 Cr.. The value appears to be declining and may need further review. It has decreased from 19,065.00 Cr. (Sep 2025) to 17,754.00 Cr., marking a decrease of 1,311.00 Cr..
- For Tax %, as of Dec 2025, the value is 24.00%. The value appears to be improving (decreasing) as expected. It has decreased from 25.00% (Sep 2025) to 24.00%, marking a decrease of 1.00%.
- For Net Profit, as of Dec 2025, the value is 13,481.00 Cr.. The value appears to be declining and may need further review. It has decreased from 14,318.00 Cr. (Sep 2025) to 13,481.00 Cr., marking a decrease of 837.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 17.53. The value appears to be declining and may need further review. It has decreased from 18.70 (Sep 2025) to 17.53, marking a decrease of 1.17.
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 | 8.93 | 8594.56 | 61,000,000 | 2025-12-15 06:13:35 | 4.92% |
| Parag Parikh Flexi Cap Fund | 49,325,234 | 4.97 | 6623.89 | 45,308,598 | 2026-01-25 08:10:57 | 8.87% |
| ICICI Prudential Large Cap Fund | 47,426,976 | 8.11 | 6368.97 | 47,370,668 | 2026-01-25 13:12:00 | 0.12% |
| ICICI Prudential Value Fund | 38,278,164 | 8.39 | 5140.37 | 33,523,227 | 2025-12-14 00:45:11 | 14.18% |
| HDFC Balanced Advantage Fund | 34,763,763 | 4.31 | 4668.43 | 33,011,524 | 2025-12-14 00:45:11 | 5.31% |
| SBI Large Cap Fund | 29,000,000 | 6.97 | 3894.41 | N/A | N/A | N/A |
| HDFC Large Cap Fund | 27,215,474 | 9 | 3654.77 | 26,015,474 | 2025-12-15 07:45:20 | 4.61% |
| Mirae Asset Large Cap Fund | 24,744,264 | 7.95 | 3322.91 | 24,579,282 | 2025-12-14 00:45:11 | 0.67% |
| ICICI Prudential Multi Asset Fund | 23,271,875 | 4 | 3125.18 | 18,956,800 | 2025-12-08 07:47:06 | 22.76% |
| ICICI Prudential Equity & Debt Fund | 22,962,853 | 6.21 | 3083.68 | 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: 19 (Industry average Stock P/E: 17.89)
- 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 12 February 2026) is ₹1535.42 which is 9.20% higher the current market price of ₹1,406.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹10,06,584 Cr. market cap, FY2025-2026 high/low of ₹1,500/1,200, 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 10,06,584 Cr..
What is the current Stock Price of ICICI Bank Ltd as on 12 February 2026?
The current stock price of ICICI Bank Ltd as on 12 February 2026 is ₹1,406.
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 ₹1,500/1,200.
What is the Stock P/E of ICICI Bank Ltd?
The Stock P/E of ICICI Bank Ltd is 19.0.
What is the Book Value of ICICI Bank Ltd?
The Book Value of ICICI Bank Ltd is 484.
What is the Dividend Yield of ICICI Bank Ltd?
The Dividend Yield of ICICI Bank Ltd is 0.78 %.
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.