ScoreWhy is ICICI Bank Ltd. ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 2.13%
- Healthy long term growth as Net profit has grown by an annual rate of 23.44%
- The Bank has a high Capital Adequacy Ratio of 16.07% signifying high buffers against its risk based assets
2
Positive results in Jun 26
- GROSS NPA(Q) Lowest at 1.38%
- NII(Q) Highest at Rs 24,384.35 cr
- CREDIT DEPOSIT RATIO(HY) Highest at 88.97%
3
With ROA of 2.2, it has a Fair valuation with a 2.9 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -3.41%, its profits have risen by 6.6% ; the PEG ratio of the company is 3.3
4
High Institutional Holdings at 92.35%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 17.7% over the previous quarter.
5
With its market cap of Rs 10,30,775 cr, it is the second biggest company in the sector (behind HDFC Bank)and constitutes 28.81% of the entire sector
- Its annual Sales of Rs 172,669.96 are 18.01% of the industry
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
-3.38%
-0.18
18.95%
Sensex
-3.65%
-0.28
13.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
16.18%
Net Profit Growth (5y)
23.44%
Advance to Deposit
86.04%
Capital Adequacy Ratio (Tier 1)
16.07%
Gross NPA (latest)
1.38%
Gross NPA (avg)
2.27%
Coverage Ratio (avg)
78.86%
Cost to Income (avg)
39.75%
Net Interest Margin (avg)
4.61%
Operating Profit to Assets (avg)
5.87%
ROA (avg)
2.13%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Price to Book Value
2.94
PEG Ratio
3.27
Dividend Yield
0.76%
ROE (Latest)
14.88%
ROA (Latest)
2.22%
Net NPA to Book Value
1.68
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
GROSS NPA(Q)
Lowest at 1.38%
NII(Q)
Highest at Rs 24,384.35 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 88.97%
INTEREST EARNED(Q)
Highest at Rs 45,670.78 cr
PBDIT(Q)
Highest at Rs 11,810.01 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 25.86%
PAT(Q)
Highest at Rs 14,804.50 cr.
EPS(Q)
Highest at Rs 20.63
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 44.84 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for ICICI Bank
Gross NPA - Quarterly
Lowest at 1.38% and Fallen
each quarter 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 24,384.35 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 45,670.78 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 11,810.01 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 25.86%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit After Tax (PAT) - Quarterly
Highest at Rs 14,804.50 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 20.63
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Credit Deposit Ratio - Half Yearly
Highest at 88.97%
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
Non Operating Income - Quarterly
is 44.84 % 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
Non Operating Income - Quarterly
Highest at Rs 8,576.06 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
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