ICICI Bank Limited
ICICI Bank Limited Fundamental Analysis
ICICI Bank Limited (ICICIBANK.BO) shows moderate financial fundamentals with a PE ratio of 18.69, profit margin of 17.24%, and ROE of 15.95%. The company generates $3074.7B in annual revenue with strong year-over-year growth of 25.19%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -104.7/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze ICICIBANK.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakICICIBANK.BO struggles to generate sufficient returns from assets.
Valuation Score
ExcellentICICIBANK.BO trades at attractive valuation levels.
Growth Score
ExcellentICICIBANK.BO delivers strong and consistent growth momentum.
Financial Health Score
ModerateICICIBANK.BO shows balanced financial health with some risks.
Profitability Score
ModerateICICIBANK.BO maintains healthy but balanced margins.
Key Financial Metrics
Is ICICIBANK.BO Expensive or Cheap?
P/E Ratio
ICICIBANK.BO trades at 18.69 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, ICICIBANK.BO's PEG of -19.50 indicates potential undervaluation.
Price to Book
The market values ICICI Bank Limited at 2.84 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 9.43 times EBITDA. This is generally considered low.
How Well Does ICICIBANK.BO Make Money?
Net Profit Margin
For every $100 in sales, ICICI Bank Limited keeps $17.24 as profit after all expenses.
Operating Margin
Core operations generate 24.53 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $15.95 in profit for every $100 of shareholder equity.
ROA
ICICI Bank Limited generates $1.92 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
ICICI Bank Limited generates limited operating cash flow of $-753.06B, signaling weaker underlying cash strength.
Free Cash Flow
ICICI Bank Limited generates weak or negative free cash flow of $-800.79B, restricting financial flexibility.
FCF Per Share
Each share generates $-111.95 in free cash annually.
FCF Yield
ICICIBANK.BO converts -8.08% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
18.69
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-19.50
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.84
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.23
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.62
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.11
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.16
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.07
vs 25 benchmark
How ICICIBANK.BO Stacks Against Its Sector Peers
| Metric | ICICIBANK.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 18.69 | 18.79 | Neutral |
| ROE | 15.95% | 849.00% | Weak |
| Net Margin | 17.24% | 2879.00% | Weak |
| Debt/Equity | 0.62 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.11 | 675.77 | Weak Liquidity |
| ROA | 1.92% | -20989.00% (disorted) | Weak |
ICICIBANK.BO outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews ICICI Bank Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
77.33%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
380.40%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-185.18%
Industry Style: Value, Dividend, Cyclical
Declining