(IBN) ICICI Bank - Ratings and Ratios
Retail Banking, Wholesale Banking, Treasury, Insurance, Mutual Funds
IBN EPS (Earnings per Share)
IBN Revenue
Description: IBN ICICI Bank
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 | 110,987m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1999-09-22 |
IBN Stock Ratings
| Growth Rating | 74.7% |
| Fundamental | 62.0% |
| Dividend Rating | 61.5% |
| Return 12m vs S&P 500 | -4.93% |
| Analyst Rating | 4.75 of 5 |
IBN Dividends
| Dividend Yield 12m | 0.80% |
| Yield on Cost 5y | 2.33% |
| Annual Growth 5y | 61.72% |
| Payout Consistency | 83.5% |
| Payout Ratio | 15.7% |
IBN Growth Ratios
| Growth Correlation 3m | -88.9% |
| Growth Correlation 12m | 61.8% |
| Growth Correlation 5y | 96.9% |
| CAGR 5y | 15.08% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.91 |
| CAGR/Mean DD 3y (Pain Ratio) | 3.18 |
| Sharpe Ratio 12m | -1.04 |
| Alpha | -1.78 |
| Beta | 0.407 |
| Volatility | 18.61% |
| Current Volume | 3138k |
| Average Volume 20d | 4147.5k |
| Stop Loss | 30.1 (-3.2%) |
| Signal | 0.19 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (528.91b TTM) > 0 and > 6% of Revenue (6% = 181.14b TTM) |
| FCFTA -0.03 (>2.0%) and ΔFCFTA -9.38pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -478.4% (prev -527.8%; Δ 49.40pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.06 (>3.0%) and CFO 1679.04b > Net Income 528.91b (YES >=105%, WARN >=100%) |
| Net Debt (183.28b) to EBITDA (1014.34b) ratio: 0.18 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.12 (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 1.11% (target <= -2.0% for YES) |
| Gross Margin 68.07% (prev 67.33%; Δ 0.74pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 11.89% (prev 10.41%; Δ 1.49pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.13 (EBITDA TTM 1014.34b / Interest Expense TTM 909.95b) >= 6 (WARN >= 3) |
Altman Z'' -2.58
| (A) -0.54 = (Total Current Assets 1968.21b - Total Current Liabilities 16411.37b) / Total Assets 26686.36b |
| (B) 0.12 = Retained Earnings (Balance) 3260.46b / Total Assets 26686.36b |
| (C) 0.04 = EBIT TTM 1028.76b / Avg Total Assets 25380.15b |
| (D) 0.28 = Book Value of Equity 6535.18b / Total Liabilities 23232.07b |
| Total Rating: -2.58 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 61.99
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield data missing |
| 3. FCF Margin -26.51% = -7.50 |
| 4. Debt/Equity 0.65 = 2.29 |
| 5. Debt/Ebitda 0.18 = 2.47 |
| 6. ROIC - WACC (= 6.66)% = 8.33 |
| 7. RoE 17.39% = 1.45 |
| 8. Rev. Trend 93.53% = 7.01 |
| 9. EPS Trend -21.36% = -1.07 |
What is the price of IBN shares?
Over the past week, the price has changed by +1.14%, over one month by -3.06%, over three months by -5.61% and over the past year by +7.54%.
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 30.53 USD . This means that IBN is currently overvalued and has a potential downside of -1.8%.
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 | 40.8 | 31.1% |
| Analysts Target Price | 40.8 | 31.1% |
| ValueRay Target Price | 33.9 | 8.9% |
Last update: 2025-10-06 02:05
IBN Fundamental Data Overview
P/E Trailing = 18.6424
P/E Forward = 19.084
P/S = 0.054
P/B = 2.9488
Beta = 0.407
Revenue TTM = 3018.92b USD
EBIT TTM = 1028.76b USD
EBITDA TTM = 1014.34b USD
Long Term Debt = 2151.49b USD (from longTermDebt, last quarter)
Short Term Debt = 226.22b USD (from shortTermDebt, last quarter)
Debt = 2151.49b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 183.28b USD (from netDebt column, last quarter)
Enterprise Value = 294.27b USD (110.99b + Debt 2151.49b - CCE 1968.21b)
Interest Coverage Ratio = 1.13 (Ebit TTM 1028.76b / Interest Expense TTM 909.95b)
FCF Yield = -271.9% (FCF TTM -800.22b / Enterprise Value 294.27b)
FCF Margin = -26.51% (FCF TTM -800.22b / Revenue TTM 3018.92b)
Net Margin = 17.52% (Net Income TTM 528.91b / Revenue TTM 3018.92b)
Gross Margin = 68.07% ((Revenue TTM 3018.92b - Cost of Revenue TTM 964.08b) / Revenue TTM)
Gross Margin QoQ = 66.59% (prev 69.92%)
Tobins Q-Ratio = 0.01 (Enterprise Value 294.27b / Total Assets 26686.36b)
Interest Expense / Debt = 10.73% (Interest Expense 230.90b / Debt 2151.49b)
Taxrate = 26.08% (51.01b / 195.57b)
NOPAT = 760.45b (EBIT 1028.76b * (1 - 26.08%))
Current Ratio = 0.12 (Total Current Assets 1968.21b / Total Current Liabilities 16411.37b)
Debt / Equity = 0.65 (Debt 2151.49b / totalStockholderEquity, last quarter 3296.15b)
Debt / EBITDA = 0.18 (Net Debt 183.28b / EBITDA 1014.34b)
Debt / FCF = -0.23 (negative FCF - burning cash) (Net Debt 183.28b / FCF TTM -800.22b)
Total Stockholder Equity = 3040.74b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.98% (Net Income 528.91b / Total Assets 26686.36b)
RoE = 17.39% (Net Income TTM 528.91b / Total Stockholder Equity 3040.74b)
RoCE = 19.81% (EBIT 1028.76b / Capital Employed (Equity 3040.74b + L.T.Debt 2151.49b))
RoIC = 14.57% (NOPAT 760.45b / Invested Capital 5217.74b)
WACC = 7.91% (E(110.99b)/V(2262.48b) * Re(7.51%) + D(2151.49b)/V(2262.48b) * Rd(10.73%) * (1-Tc(0.26)))
Discount Rate = 7.51% (= 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: -21.36 | EPS CAGR: -55.02% | SUE: -4.0 | # QB: 0
Revenue Correlation: 93.53 | Revenue CAGR: 19.99% | SUE: 0.93 | # QB: 11
Additional Sources for IBN Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle