ICICI Bank Ltd.

NSE: ICICIBANK BSE: 532174 SECTOR: Bank - Private  421k   5k   1k

952.90
+6.15 (0.65%)
NSE: Today, 03:59 PM

Price Summary

Today's High

₹ 958.2

Today's Low

₹ 941

52 Week High

₹ 949.9

52 Week Low

₹ 642.15

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

664569.08 Cr.

CASA %

48.7

No. of Shares

697.42 Cr.

P/E

24.01

P/B

3.72

Face Value

₹ 2

Div. Yield

0.53 %

Book Value (TTM)

₹  256.38

Net Interest Income

47466.09 Cr.

Cost To Income %

40.52

Promoter Holding

0 %

EPS (TTM)

₹  39.68

CAR %

19.16

ROE

14.99 %

ROCE

14.01%

Profit Growth

44.14 %

* 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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Index Presence

The company is present in 37 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year14.99%
3 Year11.6%
5 Year8.97%

ROA%

1 Year1.77%
3 Year1.31%
5 Year1.02%

Net NPA%

1 Year0.81%
3 Year1.2%
5 Year2.26%

 NIM

1 Year3.55%
3 Year3.41%
5 Year3.24%

CAR %

19.16

Cost of Liabilities %

3.32039187472862

PEG Ratio

0.55

Advances Growth %

17.0759685337944

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2022 0 0
Jun 2022 0 0
Mar 2022 0 0
Dec 2021 0 0
Sep 2021 0 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.30885336484825% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 11.6006306890186%.
  • The company has been consistently maintaining a NIM of 3.40889583056438% since last 3 years.
  • CASA stands at 48.6990792701704% of total deposits.
  • Good Capital Adequacy Ratio of 19.16%.
  • The company has delivered good Profit growth of 90.7400331032693% over the past 3 years.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
Interest Earned 21233.64 22082.6 22674.9 23671.54 26033.04
Other Income 4797.18 4987.07 4737.42 4665.2 5054.87
Interest Expended 9543.9 9846.56 10070.34 10461.52 11246.23
Operating Expenses 6572.2 7074.86 7049.04 7566.33 8161.36
Total Provisions 2713.48 2007.3 1068.95 1143.82 1644.52
Profit Before Tax 7201.24 8140.95 9223.99 9165.07 10035.8
Tax 1690.29 1947.14 2205.28 2260.13 2477.96
Net Profit 5510.95 6193.81 7018.71 6904.94 7557.84
Net NPA % 1.06 0.9 0.81 0.74 0.65
Gross NPA % 5.12 4.32 3.76 3.53 3.26
Return on Assets % 1.79 1.9 2.11 1.98 2.06
NPM % 25.95 28.05 30.95 29.17 29.03

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

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Interest Earned 54965.89 63401.19 74798.32 79118.27 86374.55
Other Income 17419.63 14512.16 16448.62 18968.53 18517.53
Interest Expended 31940.05 36386.4 41531.25 40128.84 38908.45
Operating Expenses 15703.94 18089.06 21614.41 21560.83 26733.32
Total Provisions 17306.98 19661.14 14053.23 16214.4 8641.42
Profit Before Tax 7434.55 3776.76 14048.04 20182.72 30608.89
Taxes 657.13 413.46 6117.23 3990.04 7269.4
Net Profit 6777.42 3363.3 7930.81 16192.68 23339.49
Adjusted EPS (Rs.) 10.54 5.22 12.25 23.41 33.59

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 1285.81 1289.46 1294.76 1383.41 1389.97
Total Reserves 103867.56 107073.91 115206.16 146122.67 168855.59
Deposits 560975.21 652919.67 770968.99 932522.16 1064571.61
Borrowings 182858.62 165319.97 162896.76 91630.96 107231.36
Other Liabilities 30196.4 37851.46 47994.99 58770.37 68982.79
Total Liabilities 879189.16 964459.15 1098365.15 1230432.68 1411297.74
Assets
Balance with RBI 33102.38 37858.01 35283.96 46031.19 60120.82
Balance with Banks 51067 42438.27 83871.78 87097.06 107701.54
Investments 202994.18 207732.68 249531.48 281286.54 310241
Advances 512395.29 586646.58 645289.97 733729.09 859020.44
Net Block 7903.51 7931.43 8410.29 8877.58 9373.82
Other Assets 71726.8 81852.17 75977.67 73411.21 64840.12
Total Assets 879189.16 964459.15 1098365.15 1230432.68 1411297.74
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2021% Dec 2021% Mar 2022% Jun 2022% Sep 2022%
Promoters 0.00 0.00 0.00 0.00 0.00
PARTICULARS Sep 2021% Dec 2021% Mar 2022% Jun 2022% Sep 2022%
Investors 100.00 100.00 100.00 100.00 100.00

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

ICICI Bank launches digital lending solution ‘iLens’29 Nov 2022, 2:38PM ICICI Bank to buy 10% stake in 9 MMTPA refinery JV of IOCL and CPCL24 Nov 2022, 3:42PM ICICI Bank informs about allotment of equity shares under ESOS 22 Nov 2022, 5:00PM ICICI Bank launches two new products for NRI customers at GIFT City branch22 Nov 2022, 3:52PM ICICI Bank informs about investor meet outcome 19 Nov 2022, 3:07PM ICICI Bank informs about stop transfer request3 Nov 2022, 9:49AM ICICI Bank informs about allotment of equity shares28 Oct 2022, 10:40AM ICICI Bank informs about loss of share certificate 25 Oct 2022, 5:04PM ICICI Bank reports 31% rise in Q2 consolidated net profit25 Oct 2022, 11:15AM ICICI Bank - Quaterly Results22 Oct 2022, 3:36PM ICICI Bank - Quaterly Results22 Oct 2022, 3:36PM ICICI Bank - Quaterly Results22 Oct 2022, 3:36PM ICICI Bank informs allotment of equity shares 21 Oct 2022, 10:28AM ICICI Bank launches four digital banking units17 Oct 2022, 3:45PM ICICI Bank informs about allotment of equity share sunder ESOS 14 Oct 2022, 10:03AM ICICI Bank launches ‘Smart Wire’8 Oct 2022, 11:47AM ICICI Bank’s arm launches new account designed for Indian students in UK4 Oct 2022, 11:22AM ICICI Bank launches ‘Festive Bonanza’ for all customers23 Sep 2022, 2:50PM Icici Bank informs about loss of share certificates22 Sep 2022, 2:33PM Icici Bank informs about outcome of analyst meet22 Sep 2022, 2:30PM ICICI Bank raises Rs 2100 crore through bonds16 Sep 2022, 11:50AM ICICI Bank redeems outstanding notes of $660,562,50010 Sep 2022, 11:03AM ICICI Bank to raise Rs 10,000 crore via infrastructure bonds: Report5 Sep 2022, 11:20AM ICICI Bank informs about change in directorate3 Sep 2022, 3:17PM ICICI Bank partners with National Payments Corporation of India30 Aug 2022, 11:02AM ICICI Bank inks pact with NMDFC27 Aug 2022, 12:17PM ICICI Bank informs about allotment of equity shares under ESOS 26 Aug 2022, 12:57PM ICICI Bank opens state-of-the-art phone banking centre in Bhubaneswar24 Aug 2022, 12:52PM ICICI Bank informs about annual report30 Jul 2022, 10:07AM ICICI Bank reports 55% rise in Q1 consolidated net profit25 Jul 2022, 9:41AM ICICI Bank - Quaterly Results23 Jul 2022, 3:06PM ICICI Bank - Quaterly Results23 Jul 2022, 3:06PM ICICI Bank - Quaterly Results23 Jul 2022, 3:06PM Ministry of Defence assigns ICICI Bank to provide financial services in overseas procurement 8 Jul 2022, 11:17AM ICICI Bank inks pact to acquire 9.54% stake in Perfios Account Aggregation Services29 Jun 2022, 11:01AM S&P affirms 'BBB-' rating on ICICI Bank with stable outlook27 Jun 2022, 4:14PM ICICI Bank launches ‘Campus Power’23 Jun 2022, 3:39PM ICICI Bank informs about press release18 Jun 2022, 2:08PM ICICI Bank partners with ZestMoney to expand ‘Cardless EMI’ facility9 Jun 2022, 4:47PM ICICI Bank’s arm enters into co-lending partnership with Easy Home Finance4 Jun 2022, 10:35AM ICICI Bank introduces slew of new digital facilities on ‘Money2World’ platform3 Jun 2022, 12:28PM ICICI Bank informs about allotment of equity shares under ESOS24 May 2022, 4:42PM ICICI Bank inks MoU with Santander UK 11 May 2022, 9:27AM ICICI Bank informs about annual secretarial compliance report4 May 2022, 4:39PM ICICI Bank launches India’s first comprehensive digital ecosystem for all MSMEs 29 Apr 2022, 3:45PM ICICI Bank targeting to double loan book to SMEs in next two years29 Apr 2022, 9:26AM ICICI Bank informs about certificate26 Apr 2022, 10:18AM ICICI Bank reports 58% rise in Q4 consolidated net profit25 Apr 2022, 10:37AM ICICI Bank - Quaterly Results23 Apr 2022, 4:36PM ICICI Bank - Quaterly Results23 Apr 2022, 4:36PM

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 86374.5452 Cr. revenue in the latest financial year. It has posted decent revenue growth of 10.8567990951014 % in last 3 Years.

  • In terms of advances, the bank reported 17.0759685337944 % YOY,  rise . If you see 3 years advance growth, it stands at 13.5557118302742 %.

  • Currently the company has a CASA ratio of 48.6990792701704 %. It’s overall cost of liability stands at 3.32039187472862 %. Also, the total deposits from these accounts stood at Rs 1064571.6132 Cr.

  • The Bank has a healthy ROA track record. The ROA of ICICI Bank is at 1.76698504455552 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 3.76 % and 0.81 % 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 -46.7052980409165 % 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 18517.5299 Cr.

  • The company has a Good Capital Adequacy Ratio of 19.16 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently ICICI Bank is trading at a P/B of 3.6892 . The historical average PB was 2.37336822753018.

Brief about ICICI Bank

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