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ICICI Bank Limited ICICIBANK NIFTY50NSEAIFINANCIAL

Financial Services · Banks - Regional · India
https://www.icici.bank.in
Company Profile ↓
₹1,423.20
+0.93% 1Y
Mkt Cap₹10.19 L Cr
P/E19.03
P/B2.68
Div. Yield0.82%
52W High₹1,460.00
52W Low₹1,195.82
Book Value₹507.06
EPS (TTM)₹74.77

Company Overview

ICICI Bank Limited, together with its subsidiaries, engages in the provision of various banking and financial services to corporate and retail customers in India and internationally. The company operates through Retail Banking, Wholesale Banking, Treasury, Other Banking, Life Insurance, General Insurance, and Others segments. The company offers asset management, securities brokerage, private equity, foreign exchange, agricultural and rural banking, equities underwriting, depositary share accounts, consumer durable goods financing, corporate salary and current account, savings and sovereign gold bonds, insurance policies, public offerings, investment, credit and protection, retail inward remittances, certificates of deposits, and payment and transaction banking products and services. It is also involved in the fee and commission-based activities; distribution of financial products; venture capital and real estate fund management business; treasury and rural banking operations; financial solutions; working capital financing; I-Process services, mutual funds, investment banking, and pension funds; and advisory activities. In addition, the company provides savings, salary, capital gains scheme, Hindu undivided family savings, real estate regulatory authority, government e-marketplace, current, trade, escrow, and foreign currency accounts. Further, it offers personal, home, car, education, gold, automobile, and commercial business loans, as well as loans against time deposits, securities, and property; and working capital loans, as well as credit, debit, prepaid, travel, forex, commercial, and corporate cards. Additionally, the company provides fixed income products; investment products; payments; general, accident, life, health, vehicle, and travel insurance products; cash management and merchant services; capital market and securities market services; and forex, derivatives, bullion, and bonds. The company was founded in 1955 and is headquartered in Mumbai, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 16.8% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 18.1% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 19.0, below the sector median of 19.6.

Healthy Margins

Maintains a net profit margin of 24.3%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹2.23 L Cr (+9.1% YoY); net profit ₹54,207.70 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +9.1%, earnings +6.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 18.1%, profit CAGR 16.8%.

Growth & Price Performance

Compounded Sales Growth

5 Years:18.11%
1 Year:9.13%

Compounded Profit Growth

5 Years:16.78%
1 Year:6.23%

Stock Price Performance

1 Year:+0.93%
6 Months:+9.27%
3 Months:+12.56%
1 Month:-2.35%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

AI Exposure AI Banking / AI-First Retail Bank
Core Focus

ICICI Bank is among India's most AI-forward large banks. iMobile Pay app uses AI for hyper-personalised offers (100M+ users). 'Merchant Stack' and 'Trade Emerge' are AI-powered B2B platforms. Uses AI in credit decisioning (instant personal loans in <3 sec), NLP for call centre, and computer vision for physical document verification.

Key Initiatives
  • AI in underwriting & risk analytics ICICI Bank uses ML for credit decisioning, fraud detection and portfolio risk across retail, SME and corporate books.
  • iMobile & AI personalisation AI-driven personalisation and conversational banking in iMobile/ InstaBIZ deepen cross-sell and lower cost-to-serve.
  • Process automation at scale AI/RPA across operations, collections and KYC improves efficiency and turnaround.
Why Investors Should Care
  • AI compounds on a leading, well-capitalised private-bank franchise — ROE ~16%.
  • Strong ~22% five-year profit CAGR with a sector-leading return profile.
  • AI directly supports credit costs, fee income and cost-to-income.
  • Reasonable P/E ~18 for the franchise quality and consistency.
AI InvestmentIT capex ~₹8,000-9,000 Cr/year (FY25 est.); AI/data science team of 1,500+. Partnered with Google Cloud for AI platform, Microsoft for Copilot and OpenAI for customer-facing NLP.
AI RevenueRetail unsecured loan book (~₹3.5 lakh Cr) significantly AI-underwritten. Business banking and home loan origination increasingly AI-assisted. Not separately disclosed but AI-enabled revenue est. ₹4,000-6,000 Cr incremental.
ROI (Now)ROE ~18%, ROA ~2.3% — among best in sector. AI delivering measurable cost reduction in KYC (80% digital), fraud (AI covering >97% card fraud), and productivity (15% fewer branches needed vs loan book growth).
ROI (Expected)AI expected to accelerate MSME and rural credit penetration. iMobile Pay super-app strategy positions ICICI to monetise financial services beyond loans. Analysts model 15-18% EPS CAGR FY25-27 partly on AI efficiency.

Curated from public filings and analyst commentary; figures are illustrative.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 24.3%.
  • Compounding revenue at 18.1% over 5 years.
  • Profit CAGR of 16.8% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
19.03
Industry PE
19.62
Forward P/E
15.14
PEG Ratio
0.53
Book Value
₹507.06
Price to Book
2.68
P/S
5.00
EV/EBITDA
-
Dividend Yield
0.82%

Growth (CAGR)

Revenue 5Y
18.11%
Profit 5Y
16.78%
Revenue (YoY)
9.13%
Earnings (YoY)
6.23%

Profitability & Returns

ROCE
-
ROE
14.93%
ROA
1.86%
Profit Margin
24.26%
Op Margin
38.51%
Gross Margin
0.00%
EPS (Latest Qtr)
₹21.29
EPS (TTM)
₹74.77

Balance Sheet & Liquidity

Debt/Equity
0.57
Quick Ratio
-
Current Ratio
-
Debt
₹2.08 L Cr
Total Assets
₹30.02 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
3.53%
Chg in Prom Hold
-16.03%
FII / Inst Holding
58.97%
Chg in FII Hold
-0.04%

Financial Snapshot

Enterprise Value
₹10.19 L Cr
Total Revenue (TTM)
₹2.23 L Cr
EBITDA
-
Free Cash Flow
₹63,595.42 Cr
Operating Cash Flow
₹67,325.42 Cr
Shares Outstanding
₹716.01 Cr
Gross Margin
0.00%
Payout Ratio
14.22%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.20 19.03 ₹10.19 L Cr 0.82% - 14.93% 18.11% 16.78%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 712.10 15.57 ₹10.96 L Cr 1.77% - 8.63% 16.90% 12.47%
3 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,016.10 11.15 ₹9.38 L Cr 1.60% - 13.97% 12.19% 14.39%
4 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,060.50 34.76 ₹6.60 L Cr 0.47% - 16.68% 22.58% 18.23%
5 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 415.35 9.14 ₹5.25 L Cr 2.58% - 32.53% 7.26% 16.86%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 424.50 21.89 ₹4.22 L Cr 0.16% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,273.00 15.07 ₹3.96 L Cr 0.08% - 12.27% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,970.00 32.30 ₹3.15 L Cr 0.06% - 12.58% 22.92% 15.16%
9 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 1,041.00 19.55 ₹1.96 L Cr 1.21% - 15.21% 13.92% 18.59%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 34,439.00 Cr37,106.00 Cr38,938.00 Cr40,865.00 Cr42,607.00 Cr44,582.00 Cr---35,613.61 Cr34,604.87 Cr35,292.60 Cr35,742.34 Cr38,365.74 Cr
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses 25,959.00 Cr21,402.00 Cr24,560.00 Cr24,929.00 Cr30,604.00 Cr29,387.00 Cr--------
Operating Income --------------
EBITDA --------------
Interest Expense 14,479.00 Cr16,368.00 Cr17,908.00 Cr19,409.00 Cr20,424.00 Cr21,122.00 Cr---23,090.06 Cr22,017.39 Cr21,874.32 Cr22,046.81 Cr23,063.72 Cr
Pretax Income 13,735.00 Cr14,566.00 Cr15,160.00 Cr15,142.00 Cr16,154.00 Cr16,761.00 Cr---19,557.01 Cr19,126.33 Cr17,823.86 Cr20,812.98 Cr21,373.61 Cr
Tax Provision 3,433.75 Cr3,495.84 Cr3,790.00 Cr3,936.92 Cr4,200.04 Cr4,357.86 Cr---5,100.68 Cr4,808.18 Cr4,342.73 Cr5,132.34 Cr5,097.39 Cr
Net Income 10,236.00 Cr11,014.00 Cr11,351.00 Cr11,515.00 Cr12,200.00 Cr12,463.00 Cr---13,557.60 Cr13,357.06 Cr12,537.98 Cr14,755.06 Cr15,440.06 Cr
Diluted EPS 14.1115.2015.5615.7616.6216.62-17.9518.8418.71-17.2920.3621.29

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 54,964.00 Cr59,294.00 Cr60,940.00 Cr62,162.00 Cr71,982.00 Cr84,836.00 Cr89,163.00 Cr-1.36 L Cr1.61 L Cr2.05 L Cr2.23 L Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 38,766.00 Cr52,252.00 Cr63,841.00 Cr72,806.00 Cr83,775.00 Cr85,361.00 Cr91,309.00 Cr-----
Operating Income ------------
EBITDA ------------
Interest Expense 32,318.00 Cr33,996.00 Cr34,836.00 Cr34,262.00 Cr39,178.00 Cr44,666.00 Cr42,659.00 Cr-50,543.39 Cr74,108.16 Cr89,027.65 Cr89,028.58 Cr
Pretax Income 18,334.00 Cr14,304.00 Cr13,809.00 Cr10,978.00 Cr7,408.00 Cr18,589.00 Cr26,028.00 Cr-35,461.31 Cr61,508.13 Cr73,004.19 Cr77,320.18 Cr
Tax Provision 5,316.86 Cr3,432.96 Cr2,485.62 Cr1,866.26 Cr1,703.84 Cr7,435.60 Cr5,726.16 Cr-11,793.44 Cr15,427.62 Cr18,434.83 Cr19,383.93 Cr
Net Income 12,942.00 Cr10,927.00 Cr11,340.00 Cr9,100.00 Cr5,689.00 Cr11,225.00 Cr20,364.00 Cr-34,036.64 Cr44,256.37 Cr51,029.20 Cr54,207.70 Cr
Diluted EPS 19.2015.9215.9012.006.6014.7826.58-47.8461.9671.1474.77

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 8.26 L Cr9.19 L Cr9.86 L Cr11.24 L Cr12.39 L Cr13.77 L Cr15.74 L Cr-19.58 L Cr23.64 L Cr26.42 L Cr29.14 L Cr
Current Assets ------------
Cash & Equivalents --------1.64 L Cr1.90 L Cr2.38 L Cr2.90 L Cr
Inventory ------------
Receivables -------10,838.99 Cr15,110.06 Cr20,855.11 Cr-23,659.57 Cr
Total Liabilities --------17.37 L Cr20.94 L Cr23.13 L Cr25.35 L Cr
Current Liabilities ------------
Long Term Debt --------1.74 L Cr1.84 L Cr1.81 L Cr1.83 L Cr
Total Debt --------1.84 L Cr2.01 L Cr2.04 L Cr2.08 L Cr
Total Equity 84,705.00 Cr94,111.00 Cr1.05 L Cr1.11 L Cr1.14 L Cr1.23 L Cr1.58 L Cr-2.14 L Cr2.56 L Cr3.14 L Cr3.63 L Cr
Shares Outstanding --------698.28 Cr702.23 Cr712.19 Cr716.01 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -12,273.00 Cr23,645.00 Cr52,636.00 Cr19,383.00 Cr48,671.00 Cr79,565.00 Cr1.38 L Cr--3,771.19 Cr1.57 L Cr1.23 L Cr67,325.42 Cr
Investing Cash Flow -13,175.00 Cr-12,060.00 Cr-1,711.00 Cr-50,551.00 Cr-30,282.00 Cr-42,095.00 Cr-63,631.00 Cr--68,005.32 Cr-1.46 L Cr-77,288.36 Cr-13,013.59 Cr
Financing Cash Flow 24,827.00 Cr5,814.00 Cr-35,470.00 Cr39,676.00 Cr-19,997.00 Cr2,992.00 Cr-54,667.00 Cr-24,790.72 Cr13,764.51 Cr5,589.23 Cr-4,660.55 Cr
Capital Expenditure -1,208.00 Cr-778.00 Cr-1,302.00 Cr-1,016.00 Cr-1,101.00 Cr-1,848.00 Cr-1,676.00 Cr--2,467.68 Cr-3,678.55 Cr-4,770.01 Cr-3,729.99 Cr
Free Cash Flow -13,481.00 Cr22,867.00 Cr51,334.00 Cr18,367.00 Cr47,570.00 Cr77,717.00 Cr1.36 L Cr--6,238.87 Cr1.54 L Cr1.18 L Cr63,595.42 Cr
Net Change in Cash -621.00 Cr17,399.00 Cr15,455.00 Cr8,508.00 Cr-1,608.00 Cr40,462.00 Cr19,718.00 Cr--46,985.80 Cr25,117.90 Cr51,106.13 Cr49,651.28 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 23.5%18.4%18.6%14.6%7.9%13.2%22.8%-25.1%27.5%24.9%24.3%
ROE % 15.3%11.6%10.8%8.2%5.0%9.1%12.9%-15.9%17.3%16.3%14.9%
ROCE % ------------

Shareholding Pattern

Insiders
3.53%
Institutions
58.97%
Public Float
61.12%

Analyst View

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Latest News

Recent headlines for ICICIBANK

Google News Mon, 07 Sep 2026

Goldman Sachs raises ICICI Bank stock price target on deposit strength By Investing.com - Investing.com Australia

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Google News hu, 03 Sep 2026

ICICI Bank (NYSE: IBN) spends ₹14.7B to lift its life insurer stake - Stock Titan

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Google News Sat, 29 Aug 2026

ICICI Bank (NYSE:IBN) Stock Rating Upgraded by Wall Street Zen - marketbeat.com

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Google News Wed, 10 Jun 2026

Is ICICI Bank Limited (IBN) The Best Deep Value Stock to Invest in? - Yahoo Finance

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Google News Mon, 07 Sep 2026

Stocks to watch: LIC, ICICI Bank, SBI, Dixon, Chalet Hotels, TCS & more - Business Standard

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Google News hu, 03 Sep 2026

ICICI Bank shares slip 0.56%: What does $17.88 bn FCNR data mean? - BusinessLine

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ICICIBANK — Frequently Asked Questions

What is the current share price of ICICI Bank Limited (ICICIBANK)?

As of 2026-09-08 04:53 IST, ICICI Bank Limited (ICICIBANK) trades at ₹1,423.20 on NSE. Its 52-week range is ₹1,195.82 to ₹1,460.00.

What is the market capitalisation of ICICIBANK?

ICICI Bank Limited (ICICIBANK) has a market capitalisation of ₹10.19 L Cr on NSE.

What is the P/E ratio of ICICIBANK?

ICICIBANK trades at a trailing price-to-earnings (P/E) ratio of 19.03. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 2.68.

Does ICICIBANK pay a dividend?

ICICI Bank Limited (ICICIBANK) currently offers a dividend yield of 0.82%.

What is the return on equity (ROE) of ICICIBANK?

ICICIBANK has a return on equity (ROE) of 14.93%.

Is ICICIBANK a good stock to buy?

This page provides a data-driven analysis of ICICI Bank Limited (ICICIBANK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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