ICICI Bank Ltd.

NSE: ICICIBANK BSE: 532174 SECTOR: Bank - Private  278k   3k   949

794.65
-7.00 (-0.87%)
NSE: Today, 03:59 PM

Price Summary

Today's High

₹ 801.5

Today's Low

₹ 781.05

52 Week High

₹ 867

52 Week Low

₹ 512

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

551817.18 Cr.

CASA %

46.29

No. of Shares

694.42 Cr.

P/E

26.63

P/B

3.45

Face Value

₹ 2

Div. Yield

0.25 %

Book Value (TTM)

₹  230.09

Net Interest Income

38989.43 Cr.

Cost To Income %

37.2

Promoter Holding

0 %

EPS (TTM)

₹  29.84

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 36 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

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

 Group Companies

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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

0.29

Advances Growth %

13.7053301388081

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2021 0 0
Sep 2021 0 0
Jun 2021 0 0
Mar 2021 0 0
Dec 2020 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 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021
Interest Earned 19729.79 19841.67 20383.41 21233.64 22082.6
Other Income 4686.27 4111.35 3995.86 4797.18 4987.07
Interest Expended 9817.33 9410.54 9447.65 9543.9 9846.56
Operating Expenses 5778.97 6002.65 6037.22 6572.2 7074.86
Total Provisions 2741.72 2883.47 2851.69 2713.48 2007.3
Profit Before Tax 6078.04 5656.36 6042.71 7201.24 8140.95
Tax 1138.45 1253.75 1426.69 1690.29 1947.14
Net Profit 4939.59 4402.61 4616.02 5510.95 6193.81
Net NPA % 0.69 1.24 1.26 1.06 0.9
Gross NPA % 4.72 5.33 5.51 5.12 4.32
Return on Assets % 1.7 1.51 1.54 1.79 1.9
NPM % 25.04 22.19 22.65 25.95 28.05

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 Dec 2020% Mar 2021% Jun 2021% Sep 2021% Dec 2021%
Promoters 0.00 0.00 0.00 0.00 0.00
PARTICULARS Dec 2020% Mar 2021% Jun 2021% Sep 2021% Dec 2021%
Investors 100.00 100.00 100.00 100.00 100.00

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

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 informs about details of loss of share certificate 26 Oct 2021, 4:50PM ICICI Bank reports 25% rise in Q2 consolidated net profit25 Oct 2021, 9:30AM ICICI Bank - Quaterly Results23 Oct 2021, 4:01PM ICICI Bank - Quaterly Results23 Oct 2021, 4:01PM ICICI Bank seeks EoIs from ARCs for Rs 338 crore exposure to Soma Infrastructure: Report20 Oct 2021, 3:18PM ICICI Bank launches ‘Home Utsav’ 12 Oct 2021, 3:05PM ICICI Bank executes SOFR linked transactions8 Oct 2021, 12:31PM ICICI Bank launches contactless payment service7 Oct 2021, 2:12PM ICICI Bank introduces special festive offers for customers1 Oct 2021, 5:01PM ICICI Bank partners with Amazon India28 Sep 2021, 2:42PM 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 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 3.4836 . The historical average PB was 2.09895425077319.

Brief about ICICI Bank

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