(IBN) ICICI Bank - Overview
Exchange: NYSE •
Country: India •
Currency: USD •
Type: Common Stock •
ISIN: US45104G1040
Stock: Loans, Accounts, Cards, Insurance, Investments
Total Rating 33
Risk 81
Buy Signal -1.43
| Risk 5d forecast | |
|---|---|
| Volatility | 22.4% |
| Relative Tail Risk | -13.3% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.05 |
| Alpha | -2.28 |
| Character TTM | |
|---|---|
| Beta | 0.210 |
| Beta Downside | 0.408 |
| Drawdowns 3y | |
|---|---|
| Max DD | 15.73% |
| CAGR/Max DD | 0.82 |
EPS (Earnings per Share)
Revenue
Description: IBN ICICI Bank March 05, 2026
ICICI Bank Limited (IBN) is a diversified Indian bank offering a broad range of financial services to retail and corporate clients domestically and internationally. The company operates through several segments including Retail Banking, Wholesale Banking, Treasury, and insurance arms, which is typical for large, diversified financial institutions.
Its product offerings span various account types, deposit products, and a comprehensive suite of loans including home, auto, personal, and commercial loans. The bank also provides diverse card services, investment products like mutual funds and IPOs, and specialized services for agriculture and rural businesses. The financial services sector in India is experiencing rapid growth, driven by increasing financial inclusion and digital adoption.
Beyond traditional banking, IBN offers wealth management, trade finance, foreign exchange, and custodial services. The company also engages in capital market activities, securities trading, and asset management, reflecting a common strategy among large banks to capture multiple revenue streams within the financial ecosystem. To gain deeper insights, continue your research on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 530.59b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.35 > 0.02 and ΔFCF/TA 29.26 > 1.0 |
| NWC/Revenue: -1.53% < 20% (prev -490.1%; Δ 488.6% < -1%) |
| CFO/TA 0.48 > 3% & CFO 1054.44b > Net Income 530.59b |
| Net Debt (-34.00b) to EBITDA (1014.28b): -0.03 < 3 |
| Current Ratio: 0.97 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.63b) vs 12m ago 1.14% < -2% |
| Gross Margin: 68.65% > 18% (prev 0.68%; Δ 6797 % > 0.5%) |
| Asset Turnover: 22.39% > 50% (prev 11.11%; Δ 11.28% > 0%) |
| Interest Coverage Ratio: 0.94 > 6 (EBITDA TTM 1014.28b / Interest Expense TTM 902.10b) |
Altman Z'' 2.86
| A: -0.02 (Total Current Assets 1612.49b - Total Current Liabilities 1659.61b) / Total Assets 2190.59b |
| B: 0.15 (Retained Earnings 319.20b / Total Assets 2190.59b) |
| C: 0.06 (EBIT TTM 843.79b / Avg Total Assets 13752.73b) |
| D: 2.02 (Book Value of Equity 3766.98b / Total Liabilities 1867.46b) |
| Altman-Z'' Score: 2.86 = A |
Beneish M -2.91
| DSRI: 1.89 (Receivables 1466.15b/709.34b, Revenue 3079.60b/2813.02b) |
| GMI: 0.99 (GM 68.65% / 67.88%) |
| AQI: 0.28 (AQ_t 0.26 / AQ_t-1 0.93) |
| SGI: 1.09 (Revenue 3079.60b / 2813.02b) |
| TATA: -0.24 (NI 530.59b - CFO 1054.44b) / TA 2190.59b) |
| Beneish M-Score: -2.91 (Cap -4..+1) = A |
What is the price of IBN shares?
As of March 06, 2026, the stock is trading at USD 28.77 with a total of 10,182,666 shares traded.
Over the past week, the price has changed by -6.44%, over one month by -6.83%, over three months by -6.26% and over the past year by +3.16%.
Over the past week, the price has changed by -6.44%, over one month by -6.83%, over three months by -6.26% and over the past year by +3.16%.
Is IBN a buy, sell or hold?
ICICI Bank has received a consensus analysts rating of 4.75.
Therefore, it is recommended to buy IBN.
- StrongBuy: 3
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the IBN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 39.1 | 36% |
| Analysts Target Price | 39.1 | 36% |
IBN Fundamental Data Overview March 06, 2026
Market Cap INR = 9690.32b (105.74b USD * 91.639 USD.INR)
P/E Trailing = 18.5849
P/E Forward = 17.1527
P/S = 0.0549
P/B = 2.7665
P/EG = 0.5248
Revenue TTM = 3079.60b INR
EBIT TTM = 843.79b INR
EBITDA TTM = 1014.28b INR
Long Term Debt = 2154.36b INR (from longTermDebt, last quarter)
Short Term Debt = 226.22b INR (from shortTermDebt, last fiscal year)
Debt = 112.33b INR (from shortLongTermDebtTotal, last quarter)
Net Debt = -34.00b INR (from netDebt column, last quarter)
Enterprise Value = 9656.32b INR (9690.32b + Debt 112.33b - CCE 146.34b)
Interest Coverage Ratio = 0.94 (Ebit TTM 843.79b / Interest Expense TTM 902.10b)
EV/FCF = 12.48x (Enterprise Value 9656.32b / FCF TTM 773.94b)
FCF Yield = 8.01% (FCF TTM 773.94b / Enterprise Value 9656.32b)
FCF Margin = 25.13% (FCF TTM 773.94b / Revenue TTM 3079.60b)
Net Margin = 17.23% (Net Income TTM 530.59b / Revenue TTM 3079.60b)
Gross Margin = 68.65% ((Revenue TTM 3079.60b - Cost of Revenue TTM 965.51b) / Revenue TTM)
Gross Margin QoQ = 68.09% (prev 69.89%)
Tobins Q-Ratio = 4.41 (Enterprise Value 9656.32b / Total Assets 2190.59b)
Interest Expense / Debt = 196.3% (Interest Expense 220.56b / Debt 112.33b)
Taxrate = 24.36% (43.79b / 179.72b)
NOPAT = 638.21b (EBIT 843.79b * (1 - 24.36%))
Current Ratio = 0.97 (Total Current Assets 1612.49b / Total Current Liabilities 1659.61b)
Debt / Equity = 0.35 (Debt 112.33b / totalStockholderEquity, last quarter 323.13b)
Debt / EBITDA = -0.03 (Net Debt -34.00b / EBITDA 1014.28b)
Debt / FCF = -0.04 (Net Debt -34.00b / FCF TTM 773.94b)
Total Stockholder Equity = 2528.47b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.86% (Net Income 530.59b / Total Assets 2190.59b)
RoE = 20.98% (Net Income TTM 530.59b / Total Stockholder Equity 2528.47b)
RoCE = 18.02% (EBIT 843.79b / Capital Employed (Equity 2528.47b + L.T.Debt 2154.36b))
RoIC = 11.64% (NOPAT 638.21b / Invested Capital 5481.32b)
WACC = 7.31% (E(9690.32b)/V(9802.65b) * Re(7.39%) + (debt cost/tax rate unavailable))
Discount Rate = 7.39% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 0.75%
[DCF] Terminal Value 73.51% ; FCFF base≈1078.79b ; Y1≈708.16b ; Y5≈323.11b
[DCF] Fair Price = 2026 (EV 7216.31b - Net Debt -34.00b = Equity 7250.31b / Shares 3.58b; r=7.31% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 83.04 | EPS CAGR: 4.94% | SUE: -2.53 | # QB: 0
Revenue Correlation: 93.95 | Revenue CAGR: 26.39% | SUE: 0.66 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.43 | Chg7d=+0.001 | Chg30d=+0.001 | Revisions Net=+1 | Analysts=1
EPS next Year (2027-03-31): EPS=1.78 | Chg7d=+0.002 | Chg30d=-0.026 | Revisions Net=-1 | Growth EPS=+16.6% | Growth Revenue=+13.9%
P/E Trailing = 18.5849
P/E Forward = 17.1527
P/S = 0.0549
P/B = 2.7665
P/EG = 0.5248
Revenue TTM = 3079.60b INR
EBIT TTM = 843.79b INR
EBITDA TTM = 1014.28b INR
Long Term Debt = 2154.36b INR (from longTermDebt, last quarter)
Short Term Debt = 226.22b INR (from shortTermDebt, last fiscal year)
Debt = 112.33b INR (from shortLongTermDebtTotal, last quarter)
Net Debt = -34.00b INR (from netDebt column, last quarter)
Enterprise Value = 9656.32b INR (9690.32b + Debt 112.33b - CCE 146.34b)
Interest Coverage Ratio = 0.94 (Ebit TTM 843.79b / Interest Expense TTM 902.10b)
EV/FCF = 12.48x (Enterprise Value 9656.32b / FCF TTM 773.94b)
FCF Yield = 8.01% (FCF TTM 773.94b / Enterprise Value 9656.32b)
FCF Margin = 25.13% (FCF TTM 773.94b / Revenue TTM 3079.60b)
Net Margin = 17.23% (Net Income TTM 530.59b / Revenue TTM 3079.60b)
Gross Margin = 68.65% ((Revenue TTM 3079.60b - Cost of Revenue TTM 965.51b) / Revenue TTM)
Gross Margin QoQ = 68.09% (prev 69.89%)
Tobins Q-Ratio = 4.41 (Enterprise Value 9656.32b / Total Assets 2190.59b)
Interest Expense / Debt = 196.3% (Interest Expense 220.56b / Debt 112.33b)
Taxrate = 24.36% (43.79b / 179.72b)
NOPAT = 638.21b (EBIT 843.79b * (1 - 24.36%))
Current Ratio = 0.97 (Total Current Assets 1612.49b / Total Current Liabilities 1659.61b)
Debt / Equity = 0.35 (Debt 112.33b / totalStockholderEquity, last quarter 323.13b)
Debt / EBITDA = -0.03 (Net Debt -34.00b / EBITDA 1014.28b)
Debt / FCF = -0.04 (Net Debt -34.00b / FCF TTM 773.94b)
Total Stockholder Equity = 2528.47b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.86% (Net Income 530.59b / Total Assets 2190.59b)
RoE = 20.98% (Net Income TTM 530.59b / Total Stockholder Equity 2528.47b)
RoCE = 18.02% (EBIT 843.79b / Capital Employed (Equity 2528.47b + L.T.Debt 2154.36b))
RoIC = 11.64% (NOPAT 638.21b / Invested Capital 5481.32b)
WACC = 7.31% (E(9690.32b)/V(9802.65b) * Re(7.39%) + (debt cost/tax rate unavailable))
Discount Rate = 7.39% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 0.75%
[DCF] Terminal Value 73.51% ; FCFF base≈1078.79b ; Y1≈708.16b ; Y5≈323.11b
[DCF] Fair Price = 2026 (EV 7216.31b - Net Debt -34.00b = Equity 7250.31b / Shares 3.58b; r=7.31% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 83.04 | EPS CAGR: 4.94% | SUE: -2.53 | # QB: 0
Revenue Correlation: 93.95 | Revenue CAGR: 26.39% | SUE: 0.66 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.43 | Chg7d=+0.001 | Chg30d=+0.001 | Revisions Net=+1 | Analysts=1
EPS next Year (2027-03-31): EPS=1.78 | Chg7d=+0.002 | Chg30d=-0.026 | Revisions Net=-1 | Growth EPS=+16.6% | Growth Revenue=+13.9%