ScoreWhy is ICICI Bank Ltd. ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 2.02%
- Healthy long term growth as Net profit has grown by an annual rate of 32.31%
- The Bank has a high Capital Adequacy Ratio of 15.72% signifying high buffers against its risk based assets
2
Flat results in Sep 25
- NON-OPERATING INCOME(Q) is 46.24 % of Profit Before Tax (PBT)
3
With ROA of 2.3, it has a Fair valuation with a 3.2 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 2.76%, its profits have risen by 13.2% ; the PEG ratio of the company is 1.7
4
High Institutional Holdings at 90.88%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
With its market cap of Rs 9,72,342 cr, it is the second biggest company in the sector (behind HDFC Bank)and constitutes 25.37% of the entire sector
- Its annual Sales of Rs 168,435.48 are 18.08% 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
2.76%
0.17
16.53%
Sensex
4.89%
0.41
11.85%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
15.87%
Net Profit Growth (5y)
32.31%
Advance to Deposit
84.55%
Capital Adequacy Ratio (Tier 1)
15.72%
Gross NPA (latest)
1.58%
Gross NPA (avg)
2.81%
Coverage Ratio (avg)
79.85%
Cost to Income (avg)
39.89%
Net Interest Margin (avg)
4.38%
Operating Profit to Assets (avg)
5.59%
ROA (avg)
2.02%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Price to Book Value
3.16
PEG Ratio
1.71
Dividend Yield
0.80%
ROE (Latest)
16.03%
ROA (Latest)
2.32%
Net NPA to Book Value
1.89
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
GROSS NPA(Q)
Lowest at 1.58%
CREDIT DEPOSIT RATIO(HY)
Highest at 87.33%
NET NPA(Q)
Lowest at 0.39%
-1What is not working for the Company
NON-OPERATING INCOME(Q)
is 46.24 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for ICICI Bank
Gross NPA - Quarterly
Lowest at 1.58%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net NPA - Quarterly
Lowest at 0.39%
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 87.33%
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 46.24 % 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
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
