ICICI Bank Ltd.

NSE: ICICIBANK  SECTOR: Bank - Private

522.3
-15.8 (-2.94%)

Price Summary

Today's High

₹ 539.25

Today's Low

₹ 519.1

52 Week High

₹ 561

52 Week Low

₹ 269

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

360623.6901687 Cr.

CASA %

45.1144548011892

No. of Shares

690.453169 Cr.

P/E

29.51

P/B

2.68

Face Value

₹ 2

Div. Yield

0%

Book Value (TTM)

₹  194.9817

Net Interest Income

33267.0649 Cr.

Cost To Income %

43.4760379424628

Promoter Holding

0%

EPS (TTM)

₹  17.6961

CAR %

16.11%

ROE

7.25253754822769 %

ROCE

8.27769705719106 %

Profit Growth

10.6029289969341 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

ROE%

1 Year7.25%
3 Year5.77%
5 Year7.92%

ROA%

1 Year0.77%
3 Year0.65%
5 Year0.94%

Net NPA%

1 Year1.54%
3 Year3.09%
5 Year3.53%

 NIM

1 Year3.28%
3 Year3.08%
5 Year3.12%

CAR %

16.11

Cost of Liabilities %

4.44724003422057

PEG Ratio

0.22

Advances Growth %

9.99637409121143

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2020 0 0
Sep 2020 0 0
Jun 2020 0 0
Mar 2020 0 0
Dec 2019 0 0
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 3.0830729641367% since last 3 years.
  • Good Capital Adequacy Ratio of 16.11%.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.651599427027305%
  • Company has a low ROE of 5.76815029571001% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 3.08666666666667%.
  • The company has delivered poor Profit Growth of -6.81462489939991% over the past 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020
Interest Earned 18565.3 19064.28 19188.68 19924.35 19622.46
Other Income 4194.22 4573.98 4254.98 6142.6 4028.31
Interest Expended 10507.87 10518.96 10261.79 10644.6 10256.37
Operating Expenses 5377.55 5570.67 5791.78 4645.9 5133.31
Total Provisions 2506.87 2083.2 5967.44 7593.95 2995.27
Profit Before Tax 4367.23 5465.43 1422.65 3182.5 5265.82
Tax 3712.27 1318.97 201.29 583.35 1014.49
Net Profit 654.96 4146.46 1221.36 2599.15 4251.33
Net NPA % 1.74 1.6 1.54 1.34 1.09
Gross NPA % 6.9 6.39 6.04 5.99 5.63
Return on Assets % 0.27 1.68 0.49 0.95 1.5
NPM % 3.53 21.75 6.37 13.05 21.67

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Interest Earned 52739.43 54156.28 54965.89 63401.19 74798.32
Other Income 15323.05 19504.48 17419.63 14512.16 16448.62
Interest Expended 31515.39 32418.96 31940.05 36386.4 41531.25
Operating Expenses 12683.56 14755.06 15703.94 18089.06 21614.41
Total Provisions 11667.82 15208.14 17306.98 19661.14 14053.23
Profit Before Tax 12195.72 11278.61 7434.55 3776.76 14048.04
Taxes 2469.43 1477.52 657.13 413.46 6117.23
Net Profit 9726.29 9801.09 6777.42 3363.3 7930.81
Adjusted EPS (Rs.) 15.21 15.3 10.54 5.22 12.25

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 1163.17 1165.11 1285.81 1289.46 1294.76
Total Reserves 88565.72 98779.71 103867.56 107073.91 115206.16
Deposits 421425.71 490039.06 560975.21 652919.67 770968.99
Borrowings 174807.38 147556.15 182858.62 165319.97 162896.76
Other Liabilities 34726.44 34245.16 30196.4 37851.46 47994.99
Total Liabilities 720695.1 771791.45 879189.16 964459.15 1098365.15
Assets
Balance with RBI 27106.09 31702.41 33102.38 37858.01 35283.96
Balance with Banks 32762.65 44010.66 51067 42438.27 83871.78
Investments 160411.8 161506.55 202994.18 207732.68 249531.48
Advances 435263.94 464232.08 512395.29 586646.58 645289.97
Net Block 7576.92 7805.21 7903.51 7931.43 8410.29
Other Assets 57573.7 62534.55 71726.8 81852.17 75977.67
Total Assets 720695.1 771791.45 879189.16 964459.15 1098365.15
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Ratings & Research Reports

Company Presentations

Company News

ICICI Bank Stock Price Analysis and Quick Research Report. Is ICICI Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how ICICI Bank is performing and if it is the right time to buy the stock of ICICI Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. ICICI Bank has earned Rs 74798.3166 Cr. revenue in the latest financial year. It has posted decent revenue growth of 11.3646100441134 % in last 3 Years.

  • In terms of advances, the bank reported 9.99637409121143 % YOY,  rise . If you see 3 years advance growth, it stands at 11.6023280254954 %.

  • Currently the company has a CASA ratio of 45.1144548011892 %. It’s overall cost of liability stands at 4.44724003422057 %. Also, the total deposits from these accounts stood at Rs 770968.9946 Cr.

  • The Bank has a average ROA track record. The ROA of ICICI Bank is at 0.768927572894494 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 0 % and 1.54 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -28.5227846049091 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of ICICI Bank decreased and is currently at Rs 164.48622 Cr.

  • The company has a Good Capital Adequacy Ratio of 16.11 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently ICICI Bank is trading at a P/B of 2.67871292536684 . The historical average PB was 1.85875208397131.

Brief about ICICI Bank

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