ICICI Bank

ICICI Bank Ltd.

NSE: ICICIBANK BSE: 532174 SECTOR: Bank - Private  474k   6k   1k

851.00
-4.15 (-0.49%)
NSE: 29 Mar 4:00 PM

Price Summary

Today's High

₹ 861.85

Today's Low

₹ 848.05

52 Week High

₹ 958

52 Week Low

₹ 669.95

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

₹ 594237.62 Cr.

CASA %

48.7

No. of Shares

698.28 Cr.

P/E

19.95

P/B

3.17

Face Value

₹ 2

Div. Yield

0.59 %

Book Value (TTM)

₹  268.43

Net Interest Income

₹ 47466.09 Cr.

Cost To Income %

40.52

Promoter Holding

0 %

EPS (TTM)

₹  42.67

CAR %

19.16

ROE

14.99 %

ROCE

14.01%

Profit Growth

44.14 %

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* 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 40 Indices.

BANKNIFTY

Nifty Bank
39910.15
  342.25 (0.864968825740053%)

NFTALLO30

NIFTY Alpha Low-Volatility 30
16594.5
  129.599999999999 (0.787128983473928%)

NFTY200MOM30

Nifty200 Momentum 30
18044.45
  305.900000000001 (1.72449270092538%)

NIFTY

Nifty 50
17080.7
  129 (0.760985623860733%)

NIFTY100

Nifty 100
16918.05
  122.700000000001 (0.730559351249016%)

NIFTY100ESG

NIFTY100 ESG
3159.25
  26 (0.829809303438922%)

NIFTY100WEIGHT

Nifty100 Equal Weight
19018.9
  179.950000000001 (0.955201855729748%)

NIFTY200

Nifty 200
8875.6
  73.5500000000011 (0.835600797541503%)

NIFTY500

Nifty 500
14345.6
  133.800000000001 (0.941471171843133%)

NIFTY500VAL50

NIFTY500 Value 50
6847.87
  113.36 (1.68327020080155%)

NIFTYFINANCE

Nifty Financial Services
17793.85
  129.399999999998 (0.732544743821628%)

NIFTY100ESGSECT

Nifty100 ESG Sector Leaders
2762.85
  16 (0.582485392358523%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
9500.9
  113.4 (1.20798934753661%)

NIFTYEQWGT

NIFTY50 Equal Weight
19408.35
  232.049999999999 (1.21008745169819%)

NIFTYHOUSING

Nifty Housing Index
7373.69
  62.6899999999996 (0.857475037614552%)

NIFTYPTBNK

Nifty Private Bank
20229.25
  164.200000000001 (0.81833835450198%)

NIFTYSERVICE

Nifty Services Sector
22672.4
  152.450000000001 (0.67695532183687%)

NIFTYTOTALMCAP

Nifty Total Market index
7984.8
  76.6999999999998 (0.969891630100772%)

NT100ALP30

NIFTY100 Alpha 30
10063.04
  115.17 (1.15773527398328%)

NTYFIN2550

Nifty Financial Services 25/50
17054
  149.099999999999 (0.881992794988418%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
9335.95
  111.550000000001 (1.20929274532762%)

SENSEX

S&P Bse Sensex
57960.09
  346.369999999995 (0.601193604578909%)

BSE100

S&P Bse 100
17320.33
  140.790000000001 (0.81952136087462%)

BSE200

S&P Bse 200
7279.41
  63.0299999999997 (0.873429614294152%)

BSE500

S&P Bse 500
22822.89
  214.5 (0.948762826543592%)

BANKEX

S&P Bse Bankex
45252.62
  387.910000000003 (0.864621659206088%)

GREENEX

S&P Bse Greenex
4291.4
  50.4099999999999 (1.18863755868324%)

CARBONEX

S&P Bse Carbonex
2825.38
  23.8900000000003 (0.852760495307869%)

FIN

S&P Bse Finance
8303.84
  77.25 (0.939028200019698%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
6841.84
  60.3800000000001 (0.890368740654668%)

LRGCAP

S&P Bse LargeCap
6480.35
  47.6400000000003 (0.740589891352172%)

ALLCAP

S&P Bse Allcap
6549.12
  64.6599999999999 (0.997153193943667%)

SPBSLVIP

S&P Bse Low Volatility
1192.24
  6.88000000000011 (0.580414388877659%)

SNSX50

S&P Bse Sensex50
17957.44
  135.66 (0.761203426369317%)

ESG100

S&P Bse 100 ESG Index
284.47
  1.80000000000001 (0.636784943573776%)

S&PDIVSTABLE

S&P Bse Dividend Stability
598.49
  5.99000000000001 (1.01097046413503%)

LMI250

S&P Bse 250 LargeMidCap
6882.97
  61.0100000000002 (0.8943177620508%)

BSE100LARGECAPTMC

S&P Bse 100 LargeCap TMC
6153.54
  44.8999999999996 (0.735024489902814%)

BSEPVTBANK

S&P Bse Private Bank
14910.05
  131.309999999999 (0.888506056673299%)

DFRGRI

S&P Bse Diversified Finl. Rev.
970.65
  12.7099999999999 (1.32680543666617%)

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.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* 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

0.46

Advances Growth %

17.0759685337944

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2022 0 0
Sep 2022 0 0
Jun 2022 0 0
Mar 2022 0 0
Dec 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 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
Interest Earned 22082.6 22674.9 23671.54 26033.04 28505.63
Other Income 4987.07 4737.42 4665.2 5054.87 5023.63
Interest Expended 9846.56 10070.34 10461.52 11246.23 12040.65
Operating Expenses 7074.86 7049.04 7566.33 8161.36 8217.39
Total Provisions 2007.3 1068.95 1143.82 1644.52 2257.44
Profit Before Tax 8140.95 9223.99 9165.07 10035.8 11013.78
Tax 1947.14 2205.28 2260.13 2477.96 2701.93
Net Profit 6193.81 7018.71 6904.94 7557.84 8311.85
Net NPA % 0.9 0.81 0.74 0.65 0.58
Gross NPA % 4.32 3.76 3.53 3.26 3.13
Return on Assets % 1.9 2.11 1.98 2.06 2.2
NPM % 28.05 30.95 29.17 29.03 29.16

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

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

ICICI Bank informs about board meeting 24 Mar 2023, 3:52PM Icici Bank informs about allotment under ESOP17 Mar 2023, 3:13PM ICICI Bank informs about appointment of CS cum CO16 Mar 2023, 12:48PM ICICI Bank offers bouquet of digital, physical solutions for startups15 Mar 2023, 11:59AM ICICI Bank informs about investor meet14 Mar 2023, 5:18PM Icici Bank informs about loss of share certificate13 Mar 2023, 3:24PM ICICI Bank gets time extension to divest stake in ICICI Lombard General Insurance 13 Mar 2023, 11:53AM Icici Bank informs about allotment under ESOS3 Mar 2023, 1:17PM ICICI Bank launches digital solutions for participants of capital market3 Mar 2023, 10:29AM ICICI Bank informs about details of loss of certificate28 Feb 2023, 4:18PM ICICI Bank informs about allotment of equity shares24 Feb 2023, 4:56PM ICICI Bank informs about disclosure 18 Feb 2023, 3:38PM ICICI Bank informs about allotment of equity shares under ESOS 17 Feb 2023, 1:16PM ICICI Bank signs MoU with BNP Paribas14 Feb 2023, 5:06PM Icici Bank informs about allotment of equity shares under ESOS14 Feb 2023, 1:27PM ICICI Bank informs about details of loss of certificate 13 Feb 2023, 3:24PM Icici Bank informs about loss of share certificate4 Feb 2023, 3:55PM ICICI Bank informs about allotment of equity shares 3 Feb 2023, 10:58AM ICICI Bank informs about allotment of equity shares under ESOS31 Jan 2023, 12:52PM ICICI Bank inks pact with Tata Motors24 Jan 2023, 11:51AM ICICI Bank reports 35% rise in Q3 consolidated net profit21 Jan 2023, 5:45PM ICICI Bank - Quaterly Results21 Jan 2023, 3:58PM ICICI Bank - Quaterly Results21 Jan 2023, 3:58PM ICICI Bank - Quaterly Results21 Jan 2023, 3:58PM Societe Generale buys shares worth over Rs 173 crore of ICICI Bank12 Jan 2023, 11:18AM ICICI Bank launches digital solutions for exporters6 Jan 2023, 4:50PM ICICI Bank informs about allotment of equity shares under ESOS 27 Dec 2022, 4:25PM ICICI Bank informs about details of loss of certificate 26 Dec 2022, 12:53PM ICICI Bank informs about details of loss of certificate 21 Dec 2022, 5:05PM ICICI Bank informs about allotment of equity shares 20 Dec 2022, 12:15PM Icici Bank informs about updates17 Dec 2022, 11:34AM ICICI Bank raises Rs 5000 crore through bonds13 Dec 2022, 10:07AM ICICI bank informs about disclosure6 Dec 2022, 5:08PM ICICI Bank launches STACK for companies in real estate sector2 Dec 2022, 5:00PM 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 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 -46.7052980409164 % 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 3.1703 . The historical average PB was 2.37336822753018.

Brief about ICICI Bank

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