ICICI Bank Ltd
ICICIBANK NSE
ICICI Bank Ltd
Banks F&ONSE: ICICIBANK BSE: 532174 Private Bank
Key Fundamentals
LargecapPrivate BankBanksMarket Cap
10.2L Cr
Volatility
Moderate
P/E Ratio
18.7
EBITDA
₹0.00 Cr
Return on Equity
16.55%
Debt to Equity
0
Book Value
₹497.06
EPS
₹64.38
52W High
₹1,500
52W Low
₹1,187.6
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view ICICI Bank Ltd insights
55 extracted metrics + investor summaries across FY15–FY26.
Tapetide Score
Data-driven rating, 0–100. How it works →
Technical Indicators
Key Insights
Weaknesses
5- Stock is trading at 2.81 times its book value
- Company has low interest coverage ratio.
- Contingent liabilities of Rs.80,16,362 Cr.
- Earnings include an other income of Rs.1,16,900 Cr.
- Working capital days have increased from 75.8 days to 135 days
Growth Rate
Revenue Growth
-33.73% ↘
Net Income Growth
7.70% ↘
Cash Flow Change
-21.92% ↘
ROE
-0.72% ↘
ROCE
7.73% ↘
EBITDA Margin (Avg.)
-71.79% ↘
AI Analysis — Bull vs Bear
anthropic claude-opus-4.6 7d agoAI opinion · based on fundamentals
Risk medium
ICICI Bank is India's second-largest private sector bank with a market cap of ~Rs.10,00,000 Cr, trading at a PE of 17.1x and PB of 2.78x. The bank has delivered 17% compounded profit growth over 3 and 5 years, though TTM profit growth has moderated to 6% and TTM sales growth has slowed to 5%.
Bull Case 7
- Strong long-term profit compounding at 24% CAGR over 5 years and 18% over 10 years demonstrates consistent earnings power
- Consistent ROE of 16-17% over the last 3-5 years indicates efficient capital deployment for a large-cap bank
- Stock has delivered 20% CAGR over 10 years, reflecting sustained long-term value creation
- PE of 17.1x is reasonable for a bank delivering 17% profit CAGR over 3 years, implying a PEG ratio close to 1x
- Revenue compounding at 17% over both 3-year and 5-year periods shows durable top-line momentum
- Market cap of ~Rs.10,00,000 Cr provides deep liquidity, institutional ownership base, and index weight advantages
- Dividend yield of 0.8% provides a modest income component alongside capital appreciation potential
Bear Case 8
- Contingent liabilities of Rs.80,16,362 Cr are massive and represent a significant off-balance-sheet risk if even a fraction crystallizes
- TTM sales growth has sharply decelerated to 5% from 17% 3-year CAGR, signaling potential slowdown in core business momentum
- TTM profit growth of only 6% versus 17% 3-year CAGR suggests earnings growth is decelerating meaningfully
- Earnings include other income of Rs.1,16,900 Cr which raises questions about sustainability and quality of reported profits
- Working capital days have nearly doubled from 75.8 days to 135 days, indicating deteriorating operational efficiency
- Stock trading at 2.78x book value leaves limited margin of safety if asset quality deteriorates or growth slows further
- Low interest coverage ratio suggests vulnerability to margin compression in a competitive lending environment
- Stock has delivered negative 4% returns over the past 1 year despite broader market gains, indicating near-term underperformance
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
anthropic claude-opus-4.6 7h ago Positives 1
- RBI approves ICICI Life stake hike Jun 24
RBI approved ICICI Bank's request to acquire up to 2% additional stake in ICICI Prudential Life Insurance to maintain holding above 50%, strengthening its subsidiary control.
Neutral 5
- ₹78.79 Cr block trade on NSE Jul 3
A block trade of ~558,672 shares at ₹1410.25/share worth ₹78.79 crore was executed on NSE, indicating institutional activity.
- ₹56.6 Cr block trade on BSE Jul 16
A block trade of ~401,685 shares at ₹1409/share worth ₹56.6 crore was recorded on BSE, reflecting continued institutional interest.
- Q1FY27 earnings call scheduled Jul 14
ICICI Bank will host its Q1FY27 earnings call on July 18, 2026, to discuss results for the quarter ended June 30, 2026.
- Board to revisit fund raising limit Jul 14
ICICI Bank's board will meet on July 18, 2026, to consider revising limits for raising funds via bonds and offshore certificates of deposit.
- Independent Director re-appointed Jun 29
Board approved re-appointment of Vibha Paul Rishi as Independent Director for a second term from Jan 23, 2027 to Dec 31, 2028, with AGM set for Aug 21, 2026.
TL;DR: ICICI Bank shows steady institutional interest with multiple large block trades in the ₹56-79 crore range at around ₹1409-1410 levels. The RBI approval to increase its ICICI Life stake is a modest positive for subsidiary consolidation. No material headwinds are visible in recent news. The upcoming Q1FY27 earnings call on July 18 and potential fund-raising revision will be the next catalysts to watch.
Quarterly Results
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 34,439 | 37,106 | 38,938 | 40,865 | 42,607 | 44,582 | 46,326 | 47,037 | 48,387 | 49,080 | 48,181 | 48,364 | 49,594 |
| Expenses | 25,959 | 21,402 | 24,560 | 24,929 | 30,604 | 29,387 | 32,221 | 33,510 | 37,588 | 31,991 | 35,065 | 37,154 | 41,823 |
| Financing Profit | -6,000 | -663 | -3,530 | -3,473 | -8,421 | -5,927 | -8,120 | -9,106 | -12,248 | -6,002 | -8,901 | -10,664 | -14,276 |
| Fin. Margin % | -17% | -2% | -9% | -8% | -20% | -13% | -18% | -19% | -25% | -12% | -18% | -22% | -29% |
| Other Income | 19,735 | 15,229 | 18,690 | 18,615 | 24,575 | 22,688 | 26,617 | 27,589 | 31,361 | 25,496 | 27,966 | 28,418 | 35,020 |
| Interest | 14,479 | 16,368 | 17,908 | 19,409 | 20,424 | 21,122 | 22,225 | 22,633 | 23,047 | 23,090 | 22,017 | 21,874 | 22,047 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 13,735 | 14,566 | 15,160 | 15,142 | 16,154 | 16,761 | 18,496 | 18,483 | 19,113 | 19,494 | 19,065 | 17,754 | 20,744 |
| Tax % | 25% | 24% | 25% | 26% | 26% | 26% | 25% | 25% | 25% | 26% | 25% | 24% | 25% |
| Net Profit | 10,236 | 11,014 | 11,351 | 11,515 | 12,200 | 12,463 | 13,906 | 13,847 | 14,354 | 14,456 | 14,318 | 13,481 | 15,681 |
| EPS in Rs | 14.11 | 15.2 | 15.56 | 15.76 | 16.62 | 16.62 | 18.38 | 18.25 | 18.96 | 19 | 18.7 | 17.53 | 20.61 |
Profit & Loss
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 54,964 | 59,294 | 60,940 | 62,162 | 71,982 | 84,836 | 89,163 | 95,407 | 1,21,067 | 1,59,516 | 1,86,331 | 1,95,218 |
| Expenses | 38,766 | 52,252 | 63,841 | 72,806 | 83,775 | 85,361 | 91,309 | 80,798 | 87,864 | 99,560 | 1,30,078 | 1,46,032 |
| Financing Profit | -16,120 | -26,955 | -37,737 | -44,906 | -50,971 | -45,190 | -44,805 | -26,558 | -17,341 | -14,152 | -32,775 | -39,843 |
| Fin. Margin % | -29% | -45% | -62% | -72% | -71% | -53% | -50% | -28% | -14% | -9% | -18% | -20% |
| Other Income | 35,252 | 42,102 | 52,458 | 56,807 | 59,325 | 64,950 | 72,174 | 62,129 | 65,112 | 76,522 | 1,08,255 | 1,16,900 |
| Interest | 32,318 | 33,996 | 34,836 | 34,262 | 39,178 | 44,666 | 42,659 | 41,167 | 50,543 | 74,108 | 89,028 | 89,029 |
| Depreciation | 798 | 843 | 912 | 922 | 946 | 1,171 | 1,340 | 1,330 | 1,515 | 1,935 | 2,627 | 0 |
| PBT | 18,334 | 14,304 | 13,809 | 10,978 | 7,408 | 18,589 | 26,028 | 34,241 | 46,256 | 60,434 | 72,854 | 77,057 |
| Tax % | 29% | 24% | 18% | 17% | 23% | 40% | 22% | 25% | 26% | 26% | 25% | 25% |
| Net Profit | 12,942 | 10,927 | 11,340 | 9,100 | 5,689 | 11,225 | 20,364 | 26,538 | 35,461 | 46,081 | 54,569 | 57,936 |
| EPS in Rs | 19.2 | 15.92 | 15.9 | 12 | 6.6 | 14.78 | 26.58 | 36.14 | 48.74 | 63.02 | 71.65 | 75.71 |
| Div. Payout % | 24% | 29% | 14% | 12% | 15% | 0% | 8% | 14% | 16% | 16% | 15% | 16% |
Balance Sheet
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 1,160 | 1,163 | 1,165 | 1,286 | 1,289 | 1,295 | 1,383 | 1,390 | 1,397 | 1,405 | 1,425 | 1,432 |
| Reserves | 83,545 | 92,948 | 1,03,467 | 1,09,344 | 1,12,964 | 1,21,665 | 1,56,204 | 1,80,663 | 2,13,101 | 2,54,739 | 3,12,481 | 3,58,946 |
| Borrowing | 1,19,165 | 1,89,054 | 1,70,670 | 2,29,402 | 2,10,324 | 2,13,852 | 1,43,900 | 1,61,603 | 1,89,062 | 2,07,428 | 2,18,883 | 2,20,264 |
| Deposits | 4,78,042 | 4,82,401 | 5,30,204 | 5,85,796 | 6,81,317 | 8,00,784 | 9,59,940 | 10,91,366 | 12,10,832 | 14,43,580 | 16,41,637 | 18,30,020 |
| Other Liabilities | 1,44,167 | 1,53,190 | 1,80,219 | 1,98,453 | 2,32,899 | 2,39,696 | 3,12,385 | 3,17,616 | 3,44,099 | 4,56,911 | 4,67,815 | 5,03,835 |
| Total Liabilities | 8,26,079 | 9,18,756 | 9,85,725 | 11,24,281 | 12,38,794 | 13,77,292 | 15,73,812 | 17,52,637 | 19,58,490 | 23,64,063 | 26,42,241 | 29,14,498 |
| Fixed Assets | 5,871 | 8,713 | 9,338 | 9,465 | 9,660 | 10,409 | 10,809 | 10,707 | 11,070 | 15,714 | 24,272 | 17,420 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 2,74,311 | 2,86,044 | 3,04,373 | 3,72,208 | 3,98,201 | 4,43,473 | 5,36,579 | 5,67,098 | 6,39,552 | 8,27,163 | 8,86,377 | 8,70,720 |
| Other Assets | 5,45,897 | 6,23,999 | 6,72,013 | 7,42,608 | 8,30,933 | 9,23,411 | 10,26,424 | 11,74,833 | 13,07,868 | 15,21,186 | 17,31,593 | 20,26,358 |
| Total Assets | 8,26,079 | 9,18,756 | 9,85,725 | 11,24,281 | 12,38,794 | 13,77,292 | 15,73,812 | 17,52,637 | 19,58,490 | 23,64,063 | 26,42,241 | 29,14,498 |
Cash Flow
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | -12,273 | 23,645 | 52,636 | 19,383 | 48,671 | 79,565 | 1,38,015 | 58,111 | -3,771 | 1,57,284 | 1,22,805 | 67,325 |
| Investing | -13,175 | -12,060 | -1,711 | -50,551 | -30,282 | -42,095 | -63,631 | -40,007 | -67,689 | -1,44,737 | -77,140 | -13,014 |
| Financing | 24,827 | 5,814 | -35,470 | 39,676 | -19,997 | 2,992 | -54,667 | 17,451 | 24,791 | 13,765 | 5,589 | -4,661 |
| Net Cash Flow | -621 | 17,399 | 15,455 | 8,508 | -1,608 | 40,462 | 19,718 | 35,555 | -46,669 | 26,312 | 51,255 | 49,651 |
| Free Cash Flow | -13,481 | 22,867 | 51,334 | 18,367 | 47,570 | 77,717 | 1,36,339 | 56,369 | -5,951 | 1,53,676 | 1,18,100 | 63,778 |
| CFO/OP | -43 | 428 | -2,018 | -224 | -484 | -15,611 | -6,609 | 432 | 21 | 285 | 251 | 171 |
Ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 15% | 11% | 10% | 7% | 4% | 8% | 13% | 15% | 17% | 19% | 18% | 16% |
Documents
1
Announcement under Regulation 30 (LODR)-Change in Directorate
2 May - Mr. Radhakrishnan Nair retired as ICICI Bank independent director on May 1, 2026. 2 May - Mr. Radhakrishnan Nair retired as ICICI Bank independent director on May 1, 2026.
2
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
8 May - Allotment of 66,061 equity shares at FV Rs 2 each under ICICI Bank Employees Stock Unit Scheme 2022. 8 May - Allotment of 66,061 equity shares at FV Rs 2 each under ICICI Bank Employees Stock Unit Scheme 2022.
3
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
30 Apr - Allotment of 699,237 equity shares at FV Rs 2 each under ICICI Bank Employees Stock Option Scheme 2000 30 Apr - Allotment of 699,237 equity shares at FV Rs 2 each under ICICI Bank Employees Stock Option Scheme 2000
4
Disclosure Under Regulation 30 Of The SEBI (Listing Obligations
And Disclosure Requirements) Regulations, 2015
7 May - RBI approved HDFC Bank to acquire up to 9.95% in ICICI Bank within one year. 7 May - RBI approved HDFC Bank to acquire up to 9.95% in ICICI Bank within one year.
5
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
28 Apr - Allotment of 1,339,243 equity shares at FV Rs 2 each under ICICI Bank employees Stock Option Scheme 2000 28 Apr - Allotment of 1,339,243 equity shares at FV Rs 2 each under ICICI Bank employees Stock Option Scheme 2000
4
Call With Media On Financial Results For The Quarter And Financial Year Ended June 30 2026. 14 Jul 2026
General_Announcements
Frequently Asked Questions about ICICI Bank Ltd
What does ICICI Bank Ltd do?
ICICI Bank is the second-largest private sector bank in India offering a diversified portfolio of financial products and services to retail, SME and corporate customers. The Bank has an extensive network of branches, ATMs and other touch-points.The ICICI group has presence in businesses like life...
Where is ICICI Bank Ltd (ICICIBANK) listed?
ICICI Bank Ltd is listed on the Indian stock exchanges. It is listed on NSE: ICICIBANK and BSE: 532174. You can view its live share price, financials, and ratios on Tapetide.
Which sector does ICICI Bank Ltd belong to?
ICICI Bank Ltd operates in the Banks sector within the Private Bank industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of ICICI Bank Ltd?
ICICI Bank Ltd has a market capitalisation of approximately ₹1016126.96 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of ICICI Bank Ltd?
The Price-to-Earnings (PE) ratio of ICICI Bank Ltd is 18.70. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of ICICI Bank Ltd?
Over the past 52 weeks, ICICI Bank Ltd has traded between a low of ₹1,187.6 and a high of ₹1,500. This range helps investors understand the stock's price volatility and recent trading levels.
Does ICICI Bank Ltd pay dividends?
Yes, ICICI Bank Ltd has a dividend yield of 0.78%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of ICICI Bank Ltd?
ICICI Bank Ltd has a Return on Equity (ROE) of 16.55%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research ICICI Bank Ltd on Tapetide?
On Tapetide, you can view ICICI Bank Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.
Company Information
ICICI Bank is the second-largest private sector bank in India offering a diversified portfolio of financial products and services to retail, SME and corporate customers. The Bank has an extensive network of branches, ATMs and other touch-points.The ICICI group has presence in businesses like life and general insurance, housing finance, primary dealership, etc, through its subsidiaries and associates.[1]
Website icicibank.com
CEO Mr. Sandeep Bakhshi B.E.
Employees 1,82,665
Listed 1997-09-17
Face Value ₹ 2
Issued Size 7,15,08,31,635