ICICI Bank Ltd.

NSE: ICICIBANK BSE: 532174 SECTOR: Bank - Private  351k   4k   1k

703.90
-3.30 (-0.47%)
NSE: 01 Jul 03:59 PM

Price Summary

Today's High

₹ 706.75

Today's Low

₹ 694.1

52 Week High

₹ 867

52 Week Low

₹ 632.25

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.
EfficiencyOptimal
The company could improve upon its asset employment.
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

489657.82 Cr.

CASA %

46.29

No. of Shares

695.64 Cr.

P/E

20.98

P/B

2.93

Face Value

₹ 2

Div. Yield

0.71 %

Book Value (TTM)

₹  240.16

Net Interest Income

38989.43 Cr.

Cost To Income %

37.2

Promoter Holding

0 %

EPS (TTM)

₹  33.55

CAR %

19.12

ROE

12.56 %

ROCE

10.44%

Profit Growth

104.17 %

* 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 32 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 Year12.56%
3 Year7.69%
5 Year8.11%

ROA%

1 Year1.39%
3 Year0.84%
5 Year0.93%

Net NPA%

1 Year1.24%
3 Year1.69%
5 Year3.19%

 NIM

1 Year3.4%
3 Year3.26%
5 Year3.15%

CAR %

19.12

Cost of Liabilities %

3.91824588900004

PEG Ratio

0.23

Advances Growth %

13.7053301388081

Share Holding Pattern

Promoter Pledging %

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

 Strengths

  • The company has been consistently maintaining a NIM of 3.25508887387613% since last 3 years.
  • CASA stands at 46.2855947217996% of total deposits.
  • Other Income is 23.9749013220979% of total income.
  • Cost to Income ratio stands at 37.2008152598743 %
  • Good Capital Adequacy Ratio of 19.12%.
  • The company has delivered good Profit growth of 33.6856378556268% over the past 3 years.

 Limitations

  • Company has a low ROE of 7.68568752165691% over the last 3 years.
  • Increase in Provision and contingencies of 15.3784485586292% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022
Interest Earned 19841.67 20383.41 21233.64 22082.6 22674.9
Other Income 4111.35 3995.86 4797.18 4987.07 4737.42
Interest Expended 9410.54 9447.65 9543.9 9846.56 10070.34
Operating Expenses 6002.65 6037.22 6572.2 7074.86 7049.04
Total Provisions 2883.47 2851.69 2713.48 2007.3 1068.95
Profit Before Tax 5656.36 6042.71 7201.24 8140.95 9223.99
Tax 1253.75 1426.69 1690.29 1947.14 2205.28
Net Profit 4402.61 4616.02 5510.95 6193.81 7018.71
Net NPA % 1.24 1.26 1.06 0.9 0.81
Gross NPA % 5.33 5.51 5.12 4.32 3.76
Return on Assets % 1.51 1.54 1.79 1.9 2.11
NPM % 22.19 22.65 25.95 28.05 30.95

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

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 54156.28 54965.89 63401.19 74798.32 79118.27
Other Income 19504.48 17419.63 14512.16 16448.62 18968.53
Interest Expended 32418.96 31940.05 36386.4 41531.25 40128.84
Operating Expenses 14755.06 15703.94 18089.06 21614.41 21560.83
Total Provisions 15208.14 17306.98 19661.14 14053.23 16214.4
Profit Before Tax 11278.61 7434.55 3776.76 14048.04 20182.72
Taxes 1477.52 657.13 413.46 6117.23 3990.04
Net Profit 9801.09 6777.42 3363.3 7930.81 16192.68
Adjusted EPS (Rs.) 15.3 10.54 5.22 12.25 23.41

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 1165.11 1285.81 1289.46 1294.76 1383.41
Total Reserves 98779.71 103867.56 107073.91 115206.16 146122.67
Deposits 490039.06 560975.21 652919.67 770968.99 932522.16
Borrowings 147556.15 182858.62 165319.97 162896.76 91630.96
Other Liabilities 34245.16 30196.4 37851.46 47994.99 58770.37
Total Liabilities 771791.45 879189.16 964459.15 1098365.15 1230432.68
Assets
Balance with RBI 31702.41 33102.38 37858.01 35283.96 46031.19
Balance with Banks 44010.66 51067 42438.27 83871.78 87097.06
Investments 161506.55 202994.18 207732.68 249531.48 281286.54
Advances 464232.08 512395.29 586646.58 645289.97 733729.09
Net Block 7805.21 7903.51 7931.43 8410.29 8877.58
Other Assets 62534.55 71726.8 81852.17 75977.67 73411.21
Total Assets 771791.45 879189.16 964459.15 1098365.15 1230432.68
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

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

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

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 - Quaterly Results23 Apr 2022, 4:36PM ICICI Bank informs about allotment of equity shares under ESOS16 Apr 2022, 4:15PM ICICI Bank signs MoU with GIFT SEZ14 Apr 2022, 9:55AM ICICI Bank planning to raise funds through various modes13 Apr 2022, 9:59AM ICICI Bank extends special fixed deposit scheme for senior citizens 11 Apr 2022, 11:27AM ICICI Bank inks pact with KredX9 Apr 2022, 9:40AM ICICI Bank to acquire 5.97% stake in ONDC30 Mar 2022, 10:46AM ICICI Bank signs agreement for investment in IDRCL29 Mar 2022, 9:59AM ICICI Bank informs about schedule of credit suisse asian investment conference25 Mar 2022, 3:18PM ICICI Bank, CSK launch ‘Chennai Super Kings ICICI Bank Credit Card’23 Mar 2022, 4:36PM ICICI Bank launches co-branded credit cards with Emirates Skywards16 Mar 2022, 9:44AM ICICI Bank raises Rs 8,000 crore through bonds12 Mar 2022, 9:14AM ICICI Bank signs agreement for investment in NARCL 11 Mar 2022, 12:44PM ICICI Bank signs MoU with Assam Rifles to offer special banking services3 Mar 2022, 11:28AM ICICI Bank planning to expand retail loan business in Odisha24 Feb 2022, 10:20AM ICICI Bank makes InstaBIZ’ interoperable for all merchants9 Feb 2022, 5:48PM ICICI Bank picks up additional stake in GIFT City clearing corp IICC 4 Feb 2022, 11:08AM ICICI Bank informs about newspaper publication24 Jan 2022, 4:48PM ICICI Bank reports 19% rise in Q3 consolidated net profit24 Jan 2022, 9:50AM ICICI Bank - Quaterly Results22 Jan 2022, 4:17PM ICICI Bank - Quaterly Results22 Jan 2022, 4:17PM ICICI Bank informs about receipt of RBI approval for re-appointment of executive director7 Jan 2022, 4:58PM ICICI Bank launches facility to pay customs duty digitally5 Jan 2022, 3:29PM ICICI Bank raises Rs 5,000 crore through bonds18 Dec 2021, 10:29AM ICICI Bank on-boards 70 leading corporates on ‘CorpConnect’17 Dec 2021, 4:28PM RBI levies penalty of Rs 30 lakh on ICICI Bank 16 Dec 2021, 11:04AM ICICI Bank offers instant overdraft facility to sellers registered on Flipkart7 Dec 2021, 5:43PM ICICI Bank’s arm divests partial stake in Go Fashion1 Dec 2021, 9:34AM Fitch affirms ICICI Bank’s rating at ‘BB+’ with negative outlook30 Nov 2021, 3:17PM ICICI Bank raises Rs 3595 crore through bonds27 Nov 2021, 11:01AM ICICI Bank launches online platform ‘Trade Emerge’24 Nov 2021, 3:30PM ICICI Bank aims to grow market share in Exim Trade transaction 24 Nov 2021, 11:16AM ICICI Bank informs about allotment of equity shares9 Nov 2021, 2:28PM ICICI Bank renews MoU with Indian Army 30 Oct 2021, 11:03AM

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 79118.271 Cr. revenue in the latest financial year. It has posted decent revenue growth of 12.9086742646422 % in last 3 Years.

  • In terms of advances, the bank reported 13.7053301388081 % YOY,  rise . If you see 3 years advance growth, it stands at 12.7137426985027 %.

  • Currently the company has a CASA ratio of 46.2855947217996 %. It’s overall cost of liability stands at 3.91824588900004 %. Also, the total deposits from these accounts stood at Rs 932522.1605 Cr.

  • The Bank has a average ROA track record. The ROA of ICICI Bank is at 1.39064747709475 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 0 % and 1.24 % 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 positive at 15.3784485586292 % which means it has increased 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 surged and is currently at Rs 18968.5274 Cr.

  • The company has a Good Capital Adequacy Ratio of 19.12 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently ICICI Bank is trading at a P/B of 2.9316 . The historical average PB was 2.09895425077319.

Brief about ICICI Bank

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