ICICIBANK.NS — ICICI Bank Limited

Generated 2026-06-10 22:23

Quarterly Verdict

🟡 55/100

Hold / watch

Quality grade D; 3 improving / 2 weakening metrics this quarter.

➖ Pricing power (gross margin): Gross margin 0% — thin margins
➕ Leverage (net debt / EBITDA): Net cash — $447.2B more cash than debt
➕ Non-cyclical (beta): Beta 0.25 — low volatility vs market
➖ Buyback efficiency (net share-count Δ): Shares outstanding +1.6% YoY — dilution — share count rising
➕ Revenue +13.9% vs last quarter
➕ Net income +17.7% vs last quarter
➖ Free cash flow -46.1% vs last quarter
➕ Cash +47.7% vs last quarter
➖ Debt +2.2% vs last quarter

Heuristic from the Quality Scorecard + quarter-over-quarter trends. Not financial advice.

Valuation

Analyst consensus
UndervaluedFairOvervalued
Target ₹1,671.92 · Price ₹1,293.30 · +23% margin of safety · 40 analysts · range ₹1,500.00–₹1,860.00

Outside circle of competence — analyst targets only. Not financial advice.

Key Trends (6-yr)

GAAP EPS
Sales
Shares Outstanding

Quality Scorecard

D50/100
Pricing power (gross margin) 0% Gross margin 0% — thin margins
Free cash flow yield data unavailable
Leverage (net debt / EBITDA) net cash Net cash — $447.2B more cash than debt
Non-cyclical (beta) 0.25 Beta 0.25 — low volatility vs market
Recurring revenue no recurring-revenue tag (add to watchlist.json / company_meta.json)
🟡 Returns capital to shareholders yes dividend ~86.0%; shares +1.6%/yr
Buyback efficiency (net share-count Δ) +1.6%/yr Shares outstanding +1.6% YoY — dilution — share count rising

Compounder checklist (proxy metrics from yfinance). 5 of 7 criteria scored. Not financial advice.

Company Overview

Basic Information

Company Name: ICICI Bank Limited
Symbol: ICICIBANK.NS
Exchange: NSI
Sector: Financial Services
Industry: Banks - Regional

Company Details

Country: India
City: Mumbai
Employees: N/A
Market Cap: ₹9.27T

Business Description

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, General Insurance, and Others segments. It offers savings, salary, pension, current, trade, escrow, foreign currency, and vostro accounts, as well as time, fixed, recurring, and security deposits. The company also provides home, car, two-wheeler, personal, education, gold, and commercial business loans, as well as loans against securities, shares, mutual funds, and property; 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; general, life health, personal accident, fire, travel, and motor 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.

Key Metrics

Price & Valuation

Current Price
₹1.29K
Market Cap
₹9.27T
P/E Ratio
17.31
Forward P/E
14.22
PEG Ratio
0.53
Price to Book
2.55

Profitability

Profit Margin: 24.93%
Operating Margin: 33.29%
Gross Margin: 0.00%
Return on Equity (ROE): 16.36%
Return on Assets (ROA): 2.08%
Revenue Growth: 66.90%

Financial Health

Current Ratio: N/A
Quick Ratio: N/A
Debt to Equity: N/A
Total Debt: ₹2.20T
Total Cash: ₹2.65T
Beta: 0.25

Trading & Analyst Info

52-Week Range

52-Week High: ₹1.50K
52-Week Low: ₹1.19K
50-Day Average: ₹1.28K
200-Day Average: ₹1.34K

Analyst Recommendations

Recommendation: STRONG_BUY
Target Mean Price: ₹1.67K
Target High: ₹1.86K
Target Low: ₹1.50K

Price History

Financial Statements

Income Statement (Annual)

Item2026-03-312025-03-312024-03-312023-03-312022-03-31
Tax Effect Of Unusual Items₹0.00₹0.00₹36.17M₹162.77MN/A
Tax Rate For Calcs₹0.25₹0.25₹0.25₹0.30N/A
Total Unusual Items₹0.00₹0.00₹144.09M₹542.58MN/A
Total Unusual Items Excluding Goodwill₹0.00₹0.00₹144.09M₹542.58MN/A
Net Income From Continuing Operation Net Minority Interest₹542.08B₹510.29B₹442.56B₹340.37BN/A
Reconciled Depreciation₹31.23B₹26.90B₹19.96B₹16.35BN/A
Net Interest Income₹1.06T₹973.04B₹854.08B₹705.23BN/A
Interest Expense₹890.29B₹890.28B₹741.08B₹505.43BN/A
Interest Income₹1.95T₹1.86T₹1.60T₹1.21TN/A
Normalized Income₹542.08B₹510.29B₹442.46B₹339.99BN/A
Net Income From Continuing And Discontinued Operation₹542.08B₹510.29B₹442.56B₹340.37BN/A
Rent Expense SupplementalN/A₹22.80B₹17.05B₹15.85B₹14.09B
Diluted Average Shares₹7.25B₹7.17B₹7.14B₹7.11BN/A
Basic Average Shares₹7.14B₹7.05B₹7.00B₹6.97BN/A
Diluted EPS₹74.77₹71.14₹61.96₹47.84N/A

Showing 15 of 44 rows

Balance Sheet (Annual)

Item2026-03-312025-03-312024-03-312023-03-312022-03-31
Treasury Shares NumberN/AN/AN/A₹0.00N/A
Ordinary Shares Number₹7.16B₹7.12B₹7.02B₹6.98BN/A
Share Issued₹7.16B₹7.12B₹7.02B₹6.98BN/A
Net DebtN/A₹48.60B₹108.69B₹199.42BN/A
Total Debt₹2.20T₹2.04T₹2.01T₹1.84TN/A
Tangible Book Value₹3.53T₹3.05T₹2.54T₹2.14TN/A
Invested Capital₹5.83T₹5.18T₹4.57T₹3.98TN/A
Net Tangible Assets₹3.53T₹3.05T₹2.54T₹2.14TN/A
Common Stock Equity₹3.63T₹3.14T₹2.56T₹2.14TN/A
Total Capitalization₹5.83T₹4.95T₹4.40T₹3.88TN/A
Total Equity Gross Minority Interest₹3.80T₹3.29T₹2.70T₹2.21TN/A
Minority Interest₹165.11B₹148.37B₹138.88B₹66.87BN/A
Stockholders Equity₹3.63T₹3.14T₹2.56T₹2.14TN/A
Other Equity Interest₹26.82B₹20.70B₹14.05B₹7.61BN/A
Gains Losses Not Affecting Retained Earnings₹3.59T₹1.31T₹1.11T₹2.12TN/A

Showing 15 of 54 rows

Cash Flow Statement (Annual)

Item2026-03-312025-03-312024-03-312023-03-312022-03-31
Free Cash Flow₹635.95B₹1.18T₹1.54T₹-62.39BN/A
Repayment Of Debt₹-501.53B₹-399.33B₹-391.47B₹-268.92BN/A
Issuance Of Debt₹481.79B₹404.46B₹391.97B₹417.36BN/A
Issuance Of Capital Stock₹13.61B₹14.38B₹11.71B₹9.42BN/A
Capital Expenditure₹-37.30B₹-47.70B₹-36.79B₹-24.68BN/A
End Cash Position₹2.65T₹2.14T₹1.63T₹1.36TN/A
Other Cash Adjustment Outside Changein CashN/A₹0.00₹7.71BN/A₹-5.59B
Beginning Cash Position₹2.14T₹1.63T₹1.36T₹1.83TN/A
Effect Of Exchange Rate Changes₹13.06B₹1.48B₹4.23B₹3.16BN/A
Changes In Cash₹496.51B₹511.06B₹251.18B₹-469.86BN/A
Financing Cash Flow₹-46.61B₹55.89B₹137.65B₹247.91BN/A
Cash Flow From Continuing Financing Activities₹-46.61B₹55.89B₹137.65B₹247.91BN/A
Cash Dividends Paid₹-78.53B₹-70.41B₹-55.99B₹-34.79BN/A
Common Stock Dividend Paid₹-78.53B₹-70.41B₹-55.99B₹-34.79BN/A
Net Common Stock Issuance₹13.61B₹14.38B₹11.71B₹9.42BN/A

Showing 15 of 43 rows

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