ICICI Bank Ltd.

NSE: ICICIBANK BSE: 532174 SECTOR: Bank - Private

710
-10.15 (-1.41%)
NSE: 20 Sep 04:12 PM

Price Summary

Today's High

₹ 720.4

Today's Low

₹ 706.5

52 Week High

₹ 734.8

52 Week Low

₹ 333.75

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.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

492261.12 Cr.

CASA %

46.29

No. of Shares

693.33 Cr.

P/E

27.03

P/B

3.3

Face Value

₹ 2

Div. Yield

0.28%

Book Value (TTM)

₹  215.31

Net Interest Income

38989.43 Cr.

Cost To Income %

37.2

Promoter Holding

0%

EPS (TTM)

₹  26.26

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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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.

Peer Comparison

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

 Group Companies

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

0.3

Advances Growth %

13.7053301388081

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2021 0 0
Mar 2021 0 0
Dec 2020 0 0
Sep 2020 0 0
Jun 2020 0 0
* 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 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Interest Earned 19924.35 19622.46 19729.79 19841.67 20383.41
Other Income 6142.6 4028.31 4686.27 4111.35 3995.86
Interest Expended 10644.6 10256.37 9817.33 9410.54 9447.65
Operating Expenses 4645.9 5133.31 5778.97 6002.65 6037.22
Total Provisions 7593.95 2995.27 2741.72 2883.47 2851.69
Profit Before Tax 3182.5 5265.82 6078.04 5656.36 6042.71
Tax 583.35 1014.49 1138.45 1253.75 1426.69
Net Profit 2599.15 4251.33 4939.59 4402.61 4616.02
Net NPA % 1.34 1.09 0.69 1.24 1.26
Gross NPA % 5.99 5.63 4.72 5.33 5.51
Return on Assets % 0.95 1.5 1.7 1.51 1.54
NPM % 13.05 21.67 25.04 22.19 22.65

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 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Promoters 0 0 0 0 0
PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Public 10.87 10.2 9.66 10.06 10.02
PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
FII/DII 88.72 89.39 89.92 89.51 89.73

Ratings & Research Reports

Company Presentations

Company News

ICICI Bank informs about disclosure14 Sep 2021, 4:23PM ICICI Bank's customers can now pay any banks credit cards dues instantly8 Sep 2021, 5:16PM ICICI Bank informs about updates19 Aug 2021, 12:43PM ICICI Bank informs about annual report31 Jul 2021, 10:02AM ICICI Bank reports 52% rise in Q1 consolidated net profit26 Jul 2021, 11:00AM ICICI Bank informs about details of loss of share certificate21 Jul 2021, 1:22PM ICICI Bank, HPCL launch ‘ICICI Bank HPCL Super Saver’ co-branded Credit Card21 Jul 2021, 11:56AM ICICI Foundation to donate 1800 oxygen concentrators to hospitals in Himalayan belt, tribal areas14 Jul 2021, 2:03PM ICICI Bank issues over two million ‘Amazon Pay ICICI Bank' credit cards7 Jul 2021, 1:44PM ICICI Bank launches ‘Salute Doctors’2 Jul 2021, 1:14PM ICICI Bank informs about allotment of shares under ESOS28 Jun 2021, 5:05PM ICICI Bank board to approve unaudited financial results26 Jun 2021, 4:00PM ICICI Bank informs about analyst meet22 Jun 2021, 4:28PM ICICI Bank informs about allotment of shares under ESOS21 Jun 2021, 3:37PM ICICI Bank extends instant ‘Cardless EMI’ for online shopping21 Jun 2021, 2:32PM S&P Global affirms ICICI Bank’s long-term, short-term ratings 19 Jun 2021, 11:03AM ICICI Bank launches ‘ICICI STACK for Corporates’16 Jun 2021, 3:42PM ICICI Bank raises Rs 2,827 crore by issuing bonds 16 Jun 2021, 9:55AM ICICI Bank registers two million customers from other banks on its mobile banking app10 Jun 2021, 1:00PM ICICI Bank informs about schedule of analyst meet4 Jun 2021, 4:12PM ICICI Bank informs about schedule of analyst meet3 Jun 2021, 12:17PM ICICI Bank ties up with SWIFT 3 Jun 2021, 11:58AM ICICI Bank informs about schedule analyst meet2 Jun 2021, 4:06PM ICICI Bank links UPI ID facility to its ‘Pockets’ digital wallet28 May 2021, 1:37PM ICICI Bank informs about schedule of group meet22 May 2021, 12:02PM ICICI Bank informs about annual secretarial compliance report21 May 2021, 4:13PM ICICI Bank informs about allotment of equity shares under ESOS17 May 2021, 4:23PM RBI imposes penalty of Rs 3 crore on ICICI Bank4 May 2021, 9:03AM ICICI Bank much better prepared to restrict impact of second coronavirus wave on operations30 Apr 2021, 1:07PM ICICI Bank launches digital, contactless banking platform for merchants30 Apr 2021, 11:52AM ICICI Bank informs about newspaper publicaton26 Apr 2021, 10:06AM ICICI Bank reports 4-fold jump in Q4 consolidated net profit26 Apr 2021, 9:24AM ICICI Bank planning to raise fund by way of issuance of debt securities20 Apr 2021, 9:01AM ICICI Bank informs about allotment of equity shares under ESOS15 Apr 2021, 1:40PM ICICI Bank informs about newspaper publication 10 Apr 2021, 11:20AM ICICI Bank launches ‘iDelights Summer Bonanza’9 Apr 2021, 11:41AM ICICI Bank, PhonePe partner to issue FASTag3 Apr 2021, 11:26AM ICICI Bank, Axis Bank tie up with Amazon, Visa to launch retail payments entity1 Apr 2021, 11:16AM ICICI Foundation to donate dialysis machines to enhance healthcare infrastructure in country30 Mar 2021, 1:40PM ICICI Bank informs about board meeting25 Mar 2021, 1:10PM ICICI Bank enables customers to break high-value transactions into EMIs 25 Mar 2021, 9:37AM ICICI Bank informs about allotment of equity shares under ESOS 15 Mar 2021, 2:00PM ICICI Bank submits schedule of analyst call 12 Mar 2021, 2:13PM ICICI Bank to bear cost of COVID-19 vaccination for employees, families10 Mar 2021, 2:07PM ICICI Bank reduces home loan interest rate to 6.70%5 Mar 2021, 2:55PM ICICI Bank targeting to serve 20 lakh customers of rival banks through app5 Mar 2021, 10:55AM ICICI Bank informs about analyst call3 Mar 2021, 11:36AM ICICI Bank informs about allotment of equity shares under ESOS25 Feb 2021, 3:35PM ICICI Bank enters into partnership with GCC, CSCL24 Feb 2021, 5:51PM ICICI Bank informs about company updates19 Feb 2021, 4:13PM

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 3.3117 . The historical average PB was 2.09895425077319.

Brief about ICICI Bank

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