ScoreWhy is ICICI Bank Ltd. ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 2.16%
- Healthy long term growth as Net profit has grown by an annual rate of 30.41%
- The Bank has a high Capital Adequacy Ratio of 15.03% signifying high buffers against its risk based assets
2
Flat results in Dec 25
- PBT LESS OI(Q) At Rs 7,432.22 cr has Fallen at -15.9% (vs previous 4Q average)
- CASH AND CASH EQUIVALENTS(HY) Lowest at Rs 63,668.79 cr
- PAT(Q) At Rs 11,317.86 cr has Fallen at -8.6% (vs previous 4Q average)
3
With ROA of 2.2, it has a Fair valuation with a 3.1 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 10.58%, its profits have risen by 8.3% ; the PEG ratio of the company is 2.9
4
High Institutional Holdings at 90.87%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating performance in long term as well as near term
- Along with generating 10.58% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to ICICI Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is ICICI Bank for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
ICICI Bank
10.58%
0.65
16.18%
Sensex
7.88%
0.70
11.23%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
15.63%
Net Profit Growth (5y)
30.41%
Advance to Deposit
85.62%
Capital Adequacy Ratio (Tier 1)
15.03%
Gross NPA (latest)
1.53%
Gross NPA (avg)
2.60%
Coverage Ratio (avg)
79.75%
Cost to Income (avg)
39.93%
Net Interest Margin (avg)
4.35%
Operating Profit to Assets (avg)
5.55%
ROA (avg)
2.16%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Price to Book Value
3.09
PEG Ratio
2.92
Dividend Yield
0.79%
ROE (Latest)
15.31%
ROA (Latest)
2.24%
Net NPA to Book Value
1.79
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
GROSS NPA(Q)
Lowest at 1.53%
NII(Q)
Highest at Rs 21,932.24 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 88.34%
NET NPA(Q)
Lowest at 0.37%
-8What is not working for the Company
PBT LESS OI(Q)
At Rs 7,432.22 cr has Fallen at -15.9% (vs previous 4Q average
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 63,668.79 cr
PAT(Q)
At Rs 11,317.86 cr has Fallen at -8.6% (vs previous 4Q average
NON-OPERATING INCOME(Q)
is 49.78 % of Profit Before Tax (PBT
EPS(Q)
Lowest at Rs 15.83
Loading Valuation Snapshot...
Here's what is working for ICICI Bank
Gross NPA - Quarterly
Lowest at 1.53%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 21,932.24 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Net NPA - Quarterly
Lowest at 0.37%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 88.34%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for ICICI Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 7,432.22 cr has Fallen at -15.9% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 8,835.00 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs 7,432.22 cr.
in the last five quartersMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 11,317.86 cr has Fallen at -8.6% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 12,387.28 CrMOJO Watch
Near term PAT trend is negative
PAT (Rs Cr)
Non Operating Income - Quarterly
is 49.78 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Earnings per Share (EPS) - Quarterly
Lowest at Rs 15.83
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 63,668.79 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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