Share Price and Basic Stock Data
Last Updated: October 22, 2025, 3:59 am
| PEG Ratio | 1.19 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
ICICI Bank Ltd, a prominent player in the Indian private banking sector, reported a significant revenue of ₹121,067 Cr for the fiscal year ending March 2023, marking a robust increase from ₹95,407 Cr in FY 2022. The revenue trajectory showcased a consistent upward trend, with quarterly revenues rising from ₹26,159 Cr in June 2022 to ₹37,106 Cr in June 2023, and reaching ₹40,865 Cr by December 2023. This growth reflects the bank’s ability to capitalize on favorable market conditions and increasing demand for banking services. The bank’s revenues are projected to continue this upward momentum, reaching ₹186,331 Cr by March 2025, underscoring a positive outlook for its operational capabilities. Furthermore, the bank’s interest income rose sharply to ₹50,543 Cr in FY 2023, compared to ₹41,167 Cr in FY 2022, indicating improved lending practices and higher interest rates that have positively impacted margins. Overall, ICICI Bank’s revenue growth trajectory positions it favorably against industry peers.
Profitability and Efficiency Metrics
ICICI Bank’s profitability metrics indicate a strong performance with a net profit of ₹54,569 Cr for the fiscal year ending March 2025, up from ₹35,461 Cr in FY 2023. The bank’s net profit margin stood at an impressive 29.20% for FY 2025, compared to 28.46% in FY 2023, demonstrating effective cost management and operational efficiency. The return on equity (ROE) was reported at 17.9%, reflecting effective utilization of shareholders’ funds. Despite facing challenges in financing profitability, which recorded a loss of ₹32,775 Cr in FY 2025, the institution’s focus on other income streams, which rose to ₹108,255 Cr, has aided in maintaining a robust profit profile. The bank’s operating profit margin stood at 26.47%, indicating effective cost control relative to its income generation capabilities. These profitability indicators position ICICI Bank as a competitive entity within the financial sector, with a solid foundation for future growth.
Balance Sheet Strength and Financial Ratios
ICICI Bank’s balance sheet reflects a strong financial position, with total assets reported at ₹2,642,241 Cr as of March 2025, a substantial increase from ₹1,958,490 Cr in March 2023. The bank’s reserves grew to ₹312,481 Cr, highlighting a robust capital base that supports its lending activities and risk absorption capabilities. The bank’s debt management is also commendable, with borrowings reported at ₹218,883 Cr, indicating a controlled leverage strategy. Financial ratios such as the return on assets (ROA) stood at 1.93%, showcasing effective asset utilization to generate profits. The net interest margin was reported at 3.68, which is competitive compared to sector averages, reflecting the bank’s effective interest rate management. Furthermore, the cost-to-income ratio at 62.17% indicates that the bank is managing its operational costs effectively, although it remains slightly higher than typical sector norms. Overall, ICICI Bank’s balance sheet demonstrates resilience and a solid foundation for future growth.
Shareholding Pattern and Investor Confidence
ICICI Bank’s shareholding structure reveals strong institutional support, with foreign institutional investors (FIIs) holding 46.77% and domestic institutional investors (DIIs) holding 43.91% as of June 2025. This high level of institutional ownership reflects investor confidence in the bank’s management and growth prospects. The public held 9.06% of the bank’s shares, indicating a stable base of retail investors. The number of shareholders increased to 18,75,924 by June 2025, suggesting growing interest in the bank’s stock. Over the past year, FII holdings fluctuated slightly, but overall remained robust, with FIIs at 44.77% in September 2022 rising to the current 46.77%. This trend suggests a positive outlook from foreign investors, possibly driven by the bank’s strong performance metrics and growth potential. The stability in DII holdings also indicates sustained confidence among domestic institutional players, providing further assurance of the bank’s financial health and strategic direction.
Outlook, Risks, and Final Insight
Looking ahead, ICICI Bank is well-positioned for continued growth, bolstered by its strong revenue and profitability metrics. However, challenges such as financing losses and fluctuating interest rates pose risks to its profitability. The bank’s ability to manage its cost-to-income ratio effectively will be crucial in maintaining operational efficiency. Additionally, the competitive landscape in the banking sector, coupled with potential regulatory changes, could impact future performance. Nonetheless, the bank’s strong asset base and institutional backing provide a solid foundation for navigating these challenges. If ICICI Bank can sustain its revenue growth while managing operational costs and mitigating financing risks, it is likely to solidify its position as a leading player in the Indian banking sector. The overall outlook remains positive, contingent on the bank’s strategic initiatives and market conditions.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of ICICI Bank Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,783 Cr. | 334 | 401/180 | 32.4 | 89.8 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,504 Cr. | 29.2 | 46.0/24.3 | 37.8 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,255 Cr. | 277 | 331/250 | 9.39 | 304 | 1.44 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,378 Cr. | 22.8 | 24.3/16.0 | 25.2 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 9,734 Cr. | 50.2 | 52.3/30.8 | 23.4 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 163,339.70 Cr | 415.46 | 17.85 | 236.18 | 0.61% | 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: August 11, 2025, 2:05 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| CWIP | 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for ICICI Bank Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 1,425.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,405.00 Cr. (Mar 2024) to 1,425.00 Cr., marking an increase of 20.00 Cr..
- For Reserves, as of Mar 2025, the value is 312,481.00 Cr.. The value appears strong and on an upward trend. It has increased from 254,739.00 Cr. (Mar 2024) to 312,481.00 Cr., marking an increase of 57,742.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 467,815.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 456,911.00 Cr. (Mar 2024) to 467,815.00 Cr., marking an increase of 10,904.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 2,642,241.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,364,063.00 Cr. (Mar 2024) to 2,642,241.00 Cr., marking an increase of 278,178.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 24,272.00 Cr.. The value appears strong and on an upward trend. It has increased from 15,714.00 Cr. (Mar 2024) to 24,272.00 Cr., marking an increase of 8,558.00 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 886,377.00 Cr.. The value appears strong and on an upward trend. It has increased from 827,163.00 Cr. (Mar 2024) to 886,377.00 Cr., marking an increase of 59,214.00 Cr..
- For Other Assets, as of Mar 2025, the value is 1,731,593.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,521,186.00 Cr. (Mar 2024) to 1,731,593.00 Cr., marking an increase of 210,407.00 Cr..
- For Total Assets, as of Mar 2025, the value is 2,642,241.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,364,063.00 Cr. (Mar 2024) to 2,642,241.00 Cr., marking an increase of 278,178.00 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 - Regular Plan | 48,000,000 | 9.47 | 5831.52 | 48,000,000 | 2025-04-22 17:25:32 | 0% |
| SBI Equity Hybrid Fund | 33,000,000 | 5.49 | 4009.17 | 33,000,000 | 2025-04-22 15:16:47 | 0% |
| Parag Parikh Flexi Cap Fund | 31,693,059 | 5.07 | 3850.39 | 31,693,059 | 2025-04-22 17:25:32 | 0% |
| HDFC Top 100 Fund - Regular Plan | 30,040,474 | 9.84 | 3649.62 | 30,040,474 | 2025-04-22 12:29:18 | 0% |
| HDFC Balanced Advantage Fund - Regular Plan | 27,787,724 | 3.59 | 3375.93 | 27,787,724 | 2025-04-22 17:25:32 | 0% |
| ICICI Prudential Value Discovery Fund | 25,625,266 | 6.38 | 3113.21 | 25,625,266 | 2025-04-22 17:25:32 | 0% |
| ICICI Prudential Equity & Debt Fund | 21,002,732 | 6.53 | 2551.62 | 21,002,732 | 2025-04-22 17:25:32 | 0% |
| Nippon India ETF Nifty 50 BeES | 19,768,752 | 7.73 | 2401.71 | 19,768,752 | 2025-04-22 09:14:30 | 0% |
| ICICI Prudential Multi Asset Fund | 18,956,800 | 4.95 | 2303.06 | 18,956,800 | 2025-04-22 17:25:32 | 0% |
| Aditya Birla Sun Life Frontline Equity Fund | 18,778,292 | 7.53 | 2281.37 | 18,778,292 | 2025-04-22 17:25:32 | 0% |
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
Unable to fetch valid data for stock valuation.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: 18.5 (Industry average Stock P/E: 17.85)
- 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 24 October 2025) is 1177.64 which is 14.79% lower the current market price of 1,382.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 9,87,427 Cr. market cap, FY2025-2026 high/low of 1,500/1,186, reserves of ₹312,481 Cr, and liabilities of 2,642,241 Cr.
What is the Market Cap of ICICI Bank Ltd?
The Market Cap of ICICI Bank Ltd is 9,87,427 Cr..
What is the current Stock Price of ICICI Bank Ltd as on 24 October 2025?
The current stock price of ICICI Bank Ltd as on 24 October 2025 is 1,382.
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 18.5.
What is the Book Value of ICICI Bank Ltd?
The Book Value of ICICI Bank Ltd is 441.
What is the Dividend Yield of ICICI Bank Ltd?
The Dividend Yield of ICICI Bank Ltd is 0.80 %.
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.