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INVESTMENT INSIGHTS

Check Before You Invest : ICICI Bank Ltd

BSE: 532174 NSE: ICICIBANK ISIN: INE090A01021
  |   Sector:  BFSI   |   Industry:  Bank - Private

Snapshot

Q.1 Which industry/sub-sector does ICICI Bank Ltd belong to?
ICICI Bank Ltd belongs to the BFSI sector, operating specifically within the Bank - Private segment.
Q.2 Is ICICI Bank Ltd a good quality company?
ICICI Bank Ltd is a good quality company, based on a consistently good 10 year financial track record.
Q.3 Is ICICI Bank Ltd undervalued or overvalued?
ICICI Bank Ltd appears Undervalued, as its key valuation ratios are below with their past averages.
Q.4 Is ICICI Bank Ltd a good buy now?
ICICI Bank Ltd is a neutral opportunity now, based on stable price trend analysis suggesting prices may move sideways. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Total Income growth of ICICI Bank Ltd?
ICICI Bank Ltd Total Income growth is 15.63% for FY-2025 , which is below its 5-year CAGR of 16.01%., indicating slower growth.
Q.2 Net Interest Margin of ICICI Bank Ltd?
ICICI Bank Ltd Net Interest Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 3.99% for FY-2025 , which is in line with its 5-year median( 3.99% ), indicating stable margins.
Q.3 Pre-provisioning operating profit margin of ICICI Bank Ltd?
ICICI Bank Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 20.89% for FY-2025 , which is above its 5-year median( 20.68% ), indicating increasing margins.
Q.4 Return on Assets of ICICI Bank Ltd?
ICICI Bank Ltd Return on Asset is 2.4% , which is above its historical median of 2.1 %, indicating improved earnings on assets.
Current Level Historic Median
NIM% 3.99 3.99
PPOP% 20.89 20.68
RoA% 2.4 2.1
Q.5 Cost to Income ratio of ICICI Bank Ltd?
ICICI Bank Ltd Cost to Income ratio which represents the cost incurred for every Rs.100 earned is 38.6% for FY-2025 , is lower its historical median of 40.1% , indicating deteriorated cost management.
Q.6 Return on Equity (ROE) of ICICI Bank Ltd?
ICICI Bank Ltd Return on Equity is 18.2% for FY-2025 , which is above its historical median of 17.5% , indicating the business is making better use of its shareholders capital.
Q.7 Capital Adequacy ratio of ICICI Bank Ltd?
ICICI Bank Ltd Capital Adequacy ratio (CAR) is 17% for FY-2025 , which is above the regulatory requirement of 9%, indicating strong capital position.
Q.8 Asset Quality of ICICI Bank Ltd?
ICICI Bank Ltd Gross Non-Performing Assets, which are loans overdue by more than 90 days, is 2% for FY-2025 , which is below its 5-year median, while Net Non-Performing Assets, which is GNPA minus provisions made for bad loans, is 0.42% , indicating improving asset quality.

Ownership & governance

Q.1 Promoter shareholding and pledge status of ICICI Bank Ltd?
Promoters hold 0.00% of the ICICI Bank Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of ICICI Bank Ltd vs Industry Peers?(5Y revenue CAGR vs peers)
ICICI Bank Ltd AUM CAGR is 19.53% , compared to the industry median CAGR of 18.55% , indicating faster growth and gaining its market share.
Q.2 Profit metrics (NIM, PPOP, RoA) of ICICI Bank Ltd vs industry peers
ICICI Bank Ltd profit metrics are in line with the industry median level of 7.52%, indicating similar profitability compared to peers.
Profit Metrics
Current Level Industry Median
NIM 3.99 4.01
PPOP 20.89 16.36
RoA 2.4 2.2
Q.3 Operating efficiency of ICICI Bank Ltd vs industry peers?
ICICI Bank Ltd Cost to Income (39.5) is above the industry median of (44.65); while the current ROE (17.5) are above than the 5-year average Industry ROE (15.8). This shows that the business is positioned in the top quartile of the industry.
Operating Efficiency
Current Level Industry Median
NIM 3.99 4.01
PPOP 20.89 16.36
RoA 2.4 2.2
Cost to Income 38.6 44.65
ROE 18.2 15.8

Valuation & price assessment

Q.1 Stock return of ICICI Bank Ltd over the last decade?
Over the last 9 year(s), the stock has delivered a CAGR of 19.4% based on the current price.
Q.2 What return has the stock given over the last decade?
9Y 5Y 3Y 1Y
Share Price 19.4% 18.8% 15.1% -5.4%
Q.3 How do the current valuation ratios compare with 5-year historical median and industry numbers?
Valuation Ratios Current Historic Median Industry Median
Price to Earnings 19.54 20.81 16.59
Price to Book 2.96 3.32 1.47
Price to Sales 5.77 5.91 1.80
EV to EBITDA 13.74 14.56 8.21
Q.4 Valuation ratios of ICICI Bank Ltdvs historical and industry averages?
The current Price to book ratio (P/B) 2.96% is lower than its historical median of 3.32% , indicating that at the current price the stock is undervalued . However, you need a deeper analysis to make a better judgement.

Check more companies

1. HDFC Bank
2. ICICI Bank
3. Axis Bank
4. Kotak Mahindra Bank
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