banking

ICICI Bank

ICICIBANK · Nifty 50

₹1,336.8

Price 2026-06-17

BROAD EXPANSION73% confidence

At a Glance

ValuationPE 17.9 (50%ile of 5Y range 15-19). Trading near median.

Sector Positionbanking sector. Flow: neutral. is not among current leaders. Regime: BROAD EXPANSION (73%).

Fundamental Score92/100 (STRONG). 2 positive flags, 1 concerns.

Historical Context151 similar technical setups. Average outcome: -8.3% decline. 0% positive.

Revenue TrendRevenue growing at 66.9% YoY. Strong revenue growth — 66.9% YoY

Bank HealthROA 1.86% · PB 2.6 · Asset growth 10.3%.

Fundamental

92/100

STRONG

Trust

90/100

Verification

Coverage

89/100

HIGH

Quick Take

ICICI Bank scores 92/100 on fundamentals (strong). ICICI Bank: PE above historical average. BROAD EXPANSION regime.

Fundamental Score: 92/100 · STRONG · 2 signals detected

DuPont Analysis

ROE 14.9% broken into three drivers. Each shows how efficiently the company generates returns.

ROE14.9%=

24.3%Net Margin

0.1xTurnover

8.0xLeverage

ROE of 14.92% is moderate leverage-driven and stable. Net margin of 24.3% × asset turnover of 0.08x × leverage of 8.0x. High leverage amplifies returns but increases risk. Low asset turnover is normal for banks.

What This Means

Net margin of 24.3% means the company keeps ₹24.3 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.08x means the company generates ₹0.08 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 8.0x means the company uses significant debt. Higher leverage amplifies returns but also risk.

Margin Structure

Gross

100.0%

Operating

Net

24.3%

improving

Financial Health

Peer Comparison

ICICI Bank is compared against 10 peers in the banking sector.

AUBANK AXISBANK BANDHANBNK BANKBARODA BANKINDIA CANBK FEDERALBNK HDFCBANK IDFCFIRSTB INDIANB

Bank Metrics

Return on Assets

1.86%

Benchmark: >1%

Efficiency Ratio

75.7%

Lower is better

Asset Growth

+10.3%

Year over year

PB Ratio

2.6x

Price to book

ROA of 1.86% is strong (benchmark: >1% for banks). Strong asset utilization. P/B of 2.65x — trading above book. Premium valuation — market pricing in high growth expectations.

Key Watchpoints

🟢

Breaks above ₹1404 (+5%)

Trend reversal confirmation

🔴

Breaks below ₹1270 (-5%)

Further downside risk

🟡

PE reverts to 5Y median of 17.9

Valuation normalization

🟢

Banking sector entering leadership

Sector rotation signal

Detected Patterns

✅ Strong ROA: ROA of 1.86% — above 1% benchmark for banks

✅ Strong Loan Book Growth: Assets growing 10.3% — loan book expansion

Risk Flags

⚠️ 1 Warning✅ 2 Positive3 total flags

⚠️Low promoter holding: 3%

Governance

No single controlling shareholder. Management may not be aligned with shareholders.

✅PEG ratio: 0.5x — attractive growth-adjusted valuation

Valuation

Growth available at reasonable price. Favourable risk-reward.

✅Strong analyst consensus: strong_buy (40 analysts)

Valuation

Mean recommendation: 1.2/5 (1=Strong Buy, 5=Strong Sell). Institutional confidence is high.

➡️ 3 flags — 2 positive, 1 warning. Mixed profile.

Data Quality

90/100All ratios self-computed from verified sources. 🟢 5 years of financial data — sufficient for trend analysis

News Correlation

margin pressure (4)management outlook (4)

⚠️ Our margin analysis (improving) contradicts news reports of margin pressure — investigate

50 articles scanned for fundamental themes

Facts

P/E Ratio

17.9HIGH

P/B Ratio

2.6HIGH

ROE

16.4%HIGH

Market Cap

₹96154261.9L CrHIGH

From 52W High

89% of high

Promoter Holding

3.0%MODERATE

Institutional

58.6%

Sector Peers

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