(IBN) ICICI Bank - Ratings and Ratios
Retail Banking, Wholesale Banking, Treasury, Insurance, Mutual Funds
IBN EPS (Earnings per Share)
IBN Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 20.5% |
| Value at Risk 5%th | 29.8% |
| Relative Tail Risk | -11.52% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.16 |
| Alpha | -2.02 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.497 |
| Beta | 0.272 |
| Beta Downside | 0.313 |
| Drawdowns 3y | |
|---|---|
| Max DD | 16.53% |
| Mean DD | 4.98% |
| Median DD | 4.20% |
Description: IBN ICICI Bank September 25, 2025
ICICI Bank Limited (NYSE: IBN) and its subsidiaries deliver a broad suite of banking and financial services to retail and corporate clients in India and abroad, organized across Retail Banking, Wholesale Banking, Treasury, Life & General Insurance, and ancillary segments. Its product catalogue spans deposit accounts (savings, current, salary, pension, foreign-currency, VOSTRO), a full spectrum of consumer and SME loans (home, auto, education, gold, working-capital, collateral-free, and loan-against-securities), credit/debit/prepaid cards, digital wallets, wealth-management tools (mutual funds, IPO participation, demat services), and insurance solutions (life, health, motor, travel). The bank also offers corporate-level services such as cash-management, trade finance, capital-market activities, custodial and institutional banking, as well as merchant-banking, private-equity, and venture-capital fund management.
Key recent metrics (FY 2023-24) show a loan book of roughly ₹15.5 trillion, a net interest margin (NIM) of 4.2 %, and a CASA (current-account-savings-account) ratio of 53 %, reflecting strong low-cost funding. Non-performing assets (NPAs) have declined to 1.7 % of total advances, indicating improving asset quality. The bank’s capital adequacy ratio (CAR) stood at 15.3 %, comfortably above the RBI’s 12.5 % requirement. Growth drivers include India’s robust credit-expansion cycle (real-GDP growth projected at 6-7 % in FY 2024-25) and accelerated digital adoption, which has lifted mobile-banking transactions by over 30 % YoY. However, exposure to high-interest-rate environments and regulatory tightening on loan-to-value ratios remain material risks.
For a deeper, data-driven assessment of ICICI Bank’s valuation and risk profile, you may find the analytics on ValueRay worth exploring.
IBN Stock Overview
| Market Cap in USD | 111,808m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1999-09-22 |
| Return 12m vs S&P 500 | -8.74% |
| Analyst Rating | 4.75 of 5 |
IBN Dividends
| Dividend Yield | 0.80% |
| Yield on Cost 5y | 1.91% |
| Yield CAGR 5y | 61.72% |
| Payout Consistency | 83.5% |
| Payout Ratio | 15.7% |
IBN Growth Ratios
| CAGR 3y | 12.11% |
| CAGR/Max DD Calmar Ratio | 0.73 |
| CAGR/Mean DD Pain Ratio | 2.43 |
| Current Volume | 3251.6k |
| Average Volume | 4245.6k |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (533.00b TTM) > 0 and > 6% of Revenue (6% = 183.06b TTM) |
| FCFTA -0.03 (>2.0%) and ΔFCFTA -9.08pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -467.9% (prev -512.9%; Δ 44.99pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.05 (>3.0%) and CFO 1228.05b > Net Income 533.00b (YES >=105%, WARN >=100%) |
| Net Debt (476.71b) to EBITDA (1019.57b) ratio: 0.47 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.13 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (3.62b) change vs 12m ago 1.02% (target <= -2.0% for YES) |
| Gross Margin 68.62% (prev 67.35%; Δ 1.27pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 11.73% (prev 10.58%; Δ 1.15pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.93 (EBITDA TTM 1019.57b / Interest Expense TTM 907.88b) >= 6 (WARN >= 3) |
Altman Z'' -2.61
| (A) -0.53 = (Total Current Assets 2140.23b - Total Current Liabilities 16416.37b) / Total Assets 26864.85b |
| (B) 0.12 = Retained Earnings (Balance) 3104.11b / Total Assets 26864.85b |
| (C) 0.03 = EBIT TTM 843.79b / Avg Total Assets 26014.98b |
| (D) 0.27 = Book Value of Equity 6222.48b / Total Liabilities 23346.94b |
| Total Rating: -2.61 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 60.60
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield -7.79% = -3.89 |
| 3. FCF Margin -26.23% = -7.50 |
| 4. Debt/Equity 0.61 = 2.32 |
| 5. Debt/Ebitda 0.47 = 2.33 |
| 6. ROIC - WACC (= 4.61)% = 5.77 |
| 7. RoE 16.76% = 1.40 |
| 8. Rev. Trend 91.40% = 6.86 |
| 9. EPS Trend 86.36% = 4.32 |
What is the price of IBN shares?
Over the past week, the price has changed by +2.64%, over one month by -2.29%, over three months by -5.86% and over the past year by +5.53%.
Is ICICI Bank a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of IBN is around 29.98 USD . This means that IBN is currently overvalued and has a potential downside of -3.76%.
Is IBN a buy, sell or hold?
- Strong Buy: 3
- Buy: 1
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the IBN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 40.1 | 28.6% |
| Analysts Target Price | 40.1 | 28.6% |
| ValueRay Target Price | 33 | 6% |
IBN Fundamental Data Overview November 17, 2025
P/E Trailing = 18.7651
P/E Forward = 19.2678
P/S = 0.0586
P/B = 2.9391
Beta = 0.276
Revenue TTM = 3050.96b INR
EBIT TTM = 843.79b INR
EBITDA TTM = 1019.57b INR
Long Term Debt = 2152.40b INR (from longTermDebt, last quarter)
Short Term Debt = 226.22b INR (from shortTermDebt, last fiscal year)
Debt = 2036.50b INR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 476.71b INR (from netDebt column, last quarter)
Enterprise Value = 10273.69b INR (9912.87b + Debt 2036.50b - CCE 1675.68b)
Interest Coverage Ratio = 0.93 (Ebit TTM 843.79b / Interest Expense TTM 907.88b)
FCF Yield = -7.79% (FCF TTM -800.22b / Enterprise Value 10273.69b)
FCF Margin = -26.23% (FCF TTM -800.22b / Revenue TTM 3050.96b)
Net Margin = 17.47% (Net Income TTM 533.00b / Revenue TTM 3050.96b)
Gross Margin = 68.62% ((Revenue TTM 3050.96b - Cost of Revenue TTM 957.27b) / Revenue TTM)
Gross Margin QoQ = 69.89% (prev 66.59%)
Tobins Q-Ratio = 0.38 (Enterprise Value 10273.69b / Total Assets 26864.85b)
Interest Expense / Debt = 10.81% (Interest Expense 220.17b / Debt 2036.50b)
Taxrate = 25.14% (48.08b / 191.26b)
NOPAT = 631.67b (EBIT 843.79b * (1 - 25.14%))
Current Ratio = 0.13 (Total Current Assets 2140.23b / Total Current Liabilities 16416.37b)
Debt / Equity = 0.61 (Debt 2036.50b / totalStockholderEquity, last quarter 3355.53b)
Debt / EBITDA = 0.47 (Net Debt 476.71b / EBITDA 1019.57b)
Debt / FCF = -0.60 (negative FCF - burning cash) (Net Debt 476.71b / FCF TTM -800.22b)
Total Stockholder Equity = 3179.40b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.98% (Net Income 533.00b / Total Assets 26864.85b)
RoE = 16.76% (Net Income TTM 533.00b / Total Stockholder Equity 3179.40b)
RoCE = 15.83% (EBIT 843.79b / Capital Employed (Equity 3179.40b + L.T.Debt 2152.40b))
RoIC = 11.82% (NOPAT 631.67b / Invested Capital 5345.10b)
WACC = 7.20% (E(9912.87b)/V(11949.37b) * Re(7.02%) + D(2036.50b)/V(11949.37b) * Rd(10.81%) * (1-Tc(0.25)))
Discount Rate = 7.02% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 0.71%
Fair Price DCF = unknown (Cash Flow -800.22b)
EPS Correlation: 86.36 | EPS CAGR: 9.77% | SUE: 1.64 | # QB: 7
Revenue Correlation: 91.40 | Revenue CAGR: 18.40% | SUE: 0.90 | # QB: 12
Additional Sources for IBN Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle