ICICI Bank Ltd

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ICICI Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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ICICI Bank Ltd

₹ 1,398 0.82%
30 Oct - close price
icicibank.com BSE: 532174 NSE: ICICIBANK F&O
About

ICICI Bank is the second-largest private sector bank in India offering a diversified portfolio of financial products and services to retail, SME and corporate customers. The Bank has an extensive network of branches, ATMs and other touch-points.The ICICI group has presence in businesses like life and general insurance, housing finance, primary dealership, etc, through its subsidiaries and associates.[1]

Key Points

Ratios Q2 FY27[1][2][3][4]
Capital Adequacy Ratio - 16.68%
Net Interest Margin - 4.18%
Gross NPA - 1.20%
Net NPA - 0.30%
CASA Ratio - 36.1%

Website BSE NSE F&O
  • Market Cap ₹ 10,03,901 Cr.
  • Current Price ₹ 1,398
  • High / Low ₹ 1,480 / 1,188
  • Stock P/E 18.4
  • Book Value ₹ 498
  • Dividend Yield 0.86 %
  • ROCE 6.90 %
  • ROE 15.8 %
  • Face Value ₹ 2.00
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Pros

Cons

  • Stock is trading at 2.81 times its book value
  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.45,59,054 Cr.
  • Company might be capitalizing the interest cost
  • Working capital days have increased from 103 days to 154 days

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
34,920 36,695 37,948 38,996 40,537 41,300 42,431 42,947 41,758 41,966 43,275 45,671 49,110
Interest 16,612 18,016 18,856 19,443 20,489 20,929 21,238 21,312 20,228 20,034 20,296 21,286 23,771
10,438 11,101 10,421 11,862 11,735 11,779 11,679 13,208 12,721 14,500 12,185 13,835 13,662
Financing Profit 7,870 7,577 8,671 7,691 8,313 8,592 9,513 8,426 8,808 7,432 10,794 10,550 11,677
Financing Margin % 23% 21% 23% 20% 21% 21% 22% 20% 21% 18% 25% 23% 24%
5,777 6,097 5,649 7,002 7,177 7,068 7,260 8,505 7,576 7,368 7,309 8,576 8,047
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 13,647 13,674 14,320 14,693 15,490 15,660 16,774 16,931 16,384 14,800 18,103 19,126 19,725
Tax % 25% 25% 25% 25% 24% 25% 25% 25% 25% 24% 24% 23% 25%
10,261 10,272 10,708 11,059 11,746 11,792 12,630 12,768 12,359 11,318 13,702 14,804 14,843
EPS in Rs 14.65 14.64 15.25 15.72 16.67 16.70 17.73 17.89 17.30 15.83 19.14 20.64 20.68
Gross NPA % 2.48% 2.30% 2.16% 2.15% 1.97% 1.96% 1.67% 1.67% 1.58% 1.53% 1.40% 1.38% 1.20%
Net NPA % 0.43% 0.44% 0.42% 0.43% 0.42% 0.42% 0.39% 0.41% 0.39% 0.37% 0.33% 0.35% 0.30%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
49,091 52,739 54,156 54,966 63,401 74,798 79,118 86,375 109,231 142,891 163,264 169,946 180,022
Interest 30,052 31,515 32,419 31,940 36,386 41,531 40,129 38,908 47,103 68,585 82,099 81,871 85,388
14,742 23,653 29,206 32,230 36,973 34,719 36,703 34,204 38,214 41,113 44,906 50,122 54,182
Financing Profit 4,298 -2,429 -7,468 -9,204 -9,958 -1,452 2,286 13,262 23,915 33,193 36,259 37,953 40,453
Financing Margin % 9% -5% -14% -17% -16% -2% 3% 15% 22% 23% 22% 22% 22%
12,176 15,323 19,504 17,420 14,512 16,449 18,969 18,518 19,831 22,958 28,507 30,758 31,301
Depreciation 659 699 758 781 777 949 1,072 1,171 1,325 1,663 2,149 2,492 0
Profit before tax 15,815 12,196 11,279 7,435 3,777 14,048 20,183 30,609 42,421 54,488 62,616 66,218 71,753
Tax % 29% 20% 13% 9% 11% 44% 20% 24% 25% 25% 25% 24%
11,175 9,726 9,801 6,777 3,363 7,931 16,193 23,339 31,896 40,888 47,227 50,147 54,667
EPS in Rs 17.52 15.21 15.30 10.54 5.22 12.25 23.41 33.59 45.68 58.23 66.31 70.04 76.29
Dividend Payout % 26% 30% 15% 14% 19% 0% 9% 15% 18% 17% 17% 17%
Compounded Sales Growth
10 Years: 12%
5 Years: 17%
3 Years: 16%
TTM: 7%
Compounded Profit Growth
10 Years: 18%
5 Years: 25%
3 Years: 16%
TTM: 10%
Stock Price CAGR
10 Years: 19%
5 Years: 12%
3 Years: 14%
1 Year: 4%
Return on Equity
10 Years: 14%
5 Years: 17%
3 Years: 17%
Last Year: 16%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 1,160 1,163 1,165 1,286 1,289 1,295 1,383 1,390 1,397 1,405 1,425 1,432 1,436
Reserves 79,270 88,572 98,786 103,873 107,079 115,210 146,126 169,122 199,319 236,995 290,652 335,939 356,295
Deposits 447,495 448,528 490,039 560,975 652,920 770,969 932,522 1,064,572 1,180,841 1,412,825 1,610,348 1,794,625 2,049,874
Borrowing 86,485 147,705 147,556 182,859 165,320 162,897 91,631 107,231 119,325 124,968 123,538 124,994 204,553
31,720 34,726 34,245 30,196 37,851 47,995 58,770 68,983 83,325 95,323 92,277 115,540 113,129
Total Liabilities 646,129 720,695 771,791 879,189 964,459 1,098,365 1,230,433 1,411,298 1,584,207 1,871,515 2,118,240 2,372,531 2,725,287
4,726 7,577 7,805 7,904 7,931 8,410 8,878 9,374 9,600 10,860 12,839 13,922 14,049
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 158,129 160,412 161,507 202,994 207,733 249,531 281,287 310,241 362,330 461,942 504,757 492,217 557,494
483,275 552,706 602,480 668,291 748,795 840,423 940,269 1,091,683 1,212,277 1,398,712 1,600,644 1,866,391 2,153,744
Total Assets 646,129 720,695 771,791 879,189 964,459 1,098,365 1,230,433 1,411,298 1,584,207 1,871,515 2,118,240 2,372,531 2,725,287

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-4,824 22,428 39,223 13,304 38,419 78,449 124,093 55,047 7,690 81,657 122,357 64,726
-9,406 -4,279 7,000 -38,966 -24,041 -36,945 -54,186 -35,221 -65,501 -62,245 -69,425 -15,380
15,006 -585 -30,379 34,118 -18,251 -2,645 -55,935 14,868 9,426 1,076 -7,296 -4,573
Net Cash Flow 775 17,564 15,844 8,456 -3,873 38,859 13,973 34,694 -48,384 20,488 45,636 44,773
Free Cash Flow -5,581 21,793 38,451 12,501 37,626 77,097 122,669 53,457 5,952 78,836 119,046 62,021

Ratios

Standalone / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 15% 11% 10% 7% 3% 7% 12% 15% 17% 19% 18% 16%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Gross NPA ratio
%

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Net NPA ratio
%
Total advances
INR billion
Total branches
count
CASA ratio (period-end)
%
CET1 ratio
%
Total deposits
INR billion

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

1 Recently
Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
43.65% 44.77% 45.48% 46.22% 45.70% 45.83% 46.77% 45.56% 43.87% 34.48% 33.79% 34.68%
46.00% 45.10% 44.45% 44.17% 44.95% 44.77% 43.91% 45.06% 46.74% 39.94% 42.32% 41.77%
0.27% 0.28% 0.28% 0.27% 0.27% 0.27% 0.27% 0.27% 0.27% 0.22% 0.22% 0.22%
10.09% 9.84% 9.79% 9.34% 9.08% 9.12% 9.06% 9.11% 9.13% 25.36% 23.68% 23.32%
No. of Shareholders 18,02,20717,85,57218,03,05118,12,90718,45,31119,02,50318,75,92420,20,38221,39,59520,82,90121,04,81020,58,795

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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