IBN$30.54
$31.5
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Performance
Key Stats
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Powered by LiveAIOverall Analysis
BuyICICI Bank shows strong fundamental performance with consistent profitability and a robust balance sheet. Its valuation is reasonable, and dividend yield provides income. While technicals indicate short-term volatility, the overall outlook is positive for long-term investors.
Thematic
ICICI Bank is a key player in India's growing financial sector, benefiting from economic expansion and digitalization trends. However, it faces competition and potential regulatory shifts.
Fundamental
ICICI Bank demonstrates strong financial health with consistent revenue and net income growth, healthy net margins, and a solid balance sheet. Its valuation metrics are attractive relative to its performance.
Technical
The stock price is currently trading within its 52-week range, showing some upward momentum but also facing resistance. Key moving averages are mixed across different timeframes, suggesting short-term price fluctuations.
| Factor | Score |
|---|---|
| Digital Banking Adoption | 80 |
| Financial Inclusion | 75 |
| Economic Growth Tailwinds | 85 |
| Competitive Landscape | 50 |
| Regulatory Environment | 55 |
| Factor | Score |
|---|---|
| Valuation | 75 |
| Profitability | 88 |
| Growth | 82 |
| Balance Sheet Health | 80 |
| Cash Flow | 78 |
| Dividends | 70 |
| Factor | Score |
|---|---|
| Trend Analysis | 65 |
| Momentum | 70 |
| Moving Averages (Daily) | 85 |
| Moving Averages (Longer Term) | 40 |
| Volume Analysis | 60 |
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Powered by LiveAIBullish Points (7)
Attractive P/E Ratio
The Price-to-Earnings (P/E) ratio (TTM) is 0.2, which is very low and may indicate the stock is undervalued, especially when compared to the industry average. For example, the P/E ratio for 2024 is 0.3, and for 2023 is 0.2.
Strong Cash Position
The company has a substantial cash and cash equivalents position, with $2.14 trillion in Q1 2025, increasing from $1.90 trillion in Q1 2024. This indicates strong liquidity and financial flexibility.
Bearish Points (7)
High Debt Levels
The company has significant debt, with a debt level of $2.19 trillion in Q1 2025. While cash equivalents are also high, the debt-to-cash ratio needs careful monitoring.
Fluctuating Net Margin
While the net margin improved between 2022 and 2024, it shows some fluctuation, with a net margin of 23.8% in Q1 2025, down from 27.5% in Q1 2024.
Calendar
August 2024
12
Ex-Dividend Date
September 2024
6
Next Dividend Date
July 2025
20
Next Earnings Date
H: $0.36
A: $0.36
L: $0.36
H: 291.67B
A: 291.28B
L: 290.90B
Profile
ICICI Bank Limited, together with its subsidiaries, engages in the provision of various banking and financial services to retail and corporate customers in India and internationally. The company operates through Retail Banking, Wholesale Banking, Treasury, Other Banking, Life Insurance, and Others segments. It accepts savings, salary, pension, current, trade, escrow, foreign currency, and vostro accounts, as well as time, fixed, recurring, and security deposits services. The company also provides home, car, two-wheeler, personal, gold, and commercial business loans, as well as loans against securities and other loans; business loans, including working capital finance, term loans, collateral free loans, loans without financials, finance for importers and exporters, and overdraft facilities, as well as loans for new entities and card swipes; and credit, debit, prepaid, travel, forex, and corporate cards. In addition, it offers pockets wallet; fixed income products; investment products, such as mutual funds, gold monetization schemes, initial public offerings, and other online investment services; and agri and rural business, farmer finance, tractor loans, and micro banking services. Further, the company provides portfolio management, trade, foreign exchange, locker, private and NRI banking, and cash management services; family wealth and demat accounts; commercial and investment banking, capital market, custodial, and institutional banking services; health, personal accident, fire, and motor insurance, as well as distributes general and life insurance products; and Internet, mobile, and phone banking services. Additionally, it offers securities investment, broking, trading, and underwriting services; and merchant banking, trusteeship, housing finance, pension fund management, asset management, investment advisory, points of presence, and private equity/venture capital fund management services. The company was founded in 1955 and is headquartered in Mumbai, India.
Seasonals
Price Target
40.50 USD
The 39 analysts offering 1 year price forecasts for IBN have a max estimate of 42.00 and a min estimate of 39.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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