ICICI BANK LTD-SPON ADR (IBN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:IBN - US45104G1040 - ADR
29.3 USD
-0.2 (-0.68%)
29.4 USD
+0.1 (+0.34%)
Taking everything into account, IBN scores 3 out of 10 in our fundamental rating. IBN was compared to 383 industry peers in the Banks industry. IBN has a medium profitability rating, but doesn't score so well on its financial health evaluation. IBN is valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
- In the past year IBN was profitable.
- IBN had a positive operating cash flow in the past year.
- IBN had positive earnings in each of the past 5 years.
- Of the past 5 years IBN 4 years had a positive operating cash flow.
1.2 Ratios
- IBN has a better Return On Assets (1.98%) than 95.56% of its industry peers.
- IBN's Return On Equity of 15.88% is amongst the best of the industry. IBN outperforms 94.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.98% | ||
| ROE | 15.88% | ||
| ROIC | N/A |
ROA(3y)1.85%
ROA(5y)1.63%
ROE(3y)16.47%
ROE(5y)14.97%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 24.87%, IBN is in line with its industry, outperforming 53.00% of the companies in the same industry.
- IBN's Profit Margin has improved in the last couple of years.
- IBN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.87% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.78%
PM growth 5Y22.23%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- IBN does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for IBN has been increased compared to 1 year ago.
- IBN has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, IBN has an improved debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of IBN is 3.82, which is a good value as it means it would take IBN, 3.82 years of fcf income to pay off all of its debts.
- IBN's Debt to FCF ratio of 3.82 is on the low side compared to the rest of the industry. IBN is outperformed by 66.06% of its industry peers.
- IBN has a Debt/Equity ratio of 0.64. This is a neutral value indicating IBN is somewhat dependend on debt financing.
- IBN has a worse Debt to Equity ratio (0.64) than 79.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | 3.82 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.31%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- IBN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.23%, which is quite good.
- IBN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 40.43% yearly.
- The Revenue has grown by 16.67% in the past year. This is quite good.
- IBN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.35% yearly.
EPS 1Y (TTM)12.23%
EPS 3Y25.97%
EPS 5Y40.43%
EPS Q2Q%4.02%
Revenue 1Y (TTM)16.67%
Revenue growth 3Y20.88%
Revenue growth 5Y14.35%
Sales Q2Q%7.39%
3.2 Future
- The Earnings Per Share is expected to grow by 12.39% on average over the next years. This is quite good.
- IBN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.41% yearly.
EPS Next Y9.63%
EPS Next 2Y11.4%
EPS Next 3Y12.39%
EPS Next 5YN/A
Revenue Next Year10.64%
Revenue Next 2Y12.06%
Revenue Next 3Y13.41%
Revenue Next 5YN/A
3.3 Evolution
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 19.28, the valuation of IBN can be described as rather expensive.
- Based on the Price/Earnings ratio, IBN is valued a bit more expensive than 79.37% of the companies in the same industry.
- IBN is valuated rather cheaply when we compare the Price/Earnings ratio to 27.32, which is the current average of the S&P500 Index.
- IBN is valuated correctly with a Price/Forward Earnings ratio of 16.19.
- 74.67% of the companies in the same industry are cheaper than IBN, based on the Price/Forward Earnings ratio.
- IBN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.28 | ||
| Fwd PE | 16.19 |
4.2 Price Multiples
- IBN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. IBN is more expensive than 68.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.05 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates IBN does not grow enough to justify the current Price/Earnings ratio.
- IBN's earnings are expected to grow with 12.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)2
PEG (5Y)0.48
EPS Next 2Y11.4%
EPS Next 3Y12.39%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.80%, IBN is not a good candidate for dividend investing.
- With a Dividend Yield of 0.80, IBN pays less dividend than the industry average, which is at 2.91. 84.07% of the companies listed in the same industry pay a better dividend than IBN!
- With a Dividend Yield of 0.80, IBN pays less dividend than the S&P500 average, which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.8% |
5.2 History
- On average, the dividend of IBN grows each year by 48.58%, which is quite nice.
- IBN has paid a dividend for at least 10 years, which is a reliable track record.
- IBN has decreased its dividend recently.
Dividend Growth(5Y)48.58%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- 14.73% of the earnings are spent on dividend by IBN. This is a low number and sustainable payout ratio.
- The dividend of IBN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP14.73%
EPS Next 2Y11.4%
EPS Next 3Y12.39%
29.3
-0.2 (-0.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-17 2026-01-17
Earnings (Next)04-17 2026-04-17/amc
Inst Owners52.41%
Inst Owner Change0.06%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap104.78B
Revenue(TTM)2.14T
Net Income(TTM)533.00B
Analysts87.32
Price Target38.33 (30.82%)
Short Float %0.86%
Short Ratio5.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.8% |
Yearly Dividend0.22
Dividend Growth(5Y)48.58%
DP14.73%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.81%
Min EPS beat(2)1.44%
Max EPS beat(2)10.18%
EPS beat(4)4
Avg EPS beat(4)4.03%
Min EPS beat(4)1.18%
Max EPS beat(4)10.18%
EPS beat(8)8
Avg EPS beat(8)3.92%
EPS beat(12)10
Avg EPS beat(12)3.02%
EPS beat(16)12
Avg EPS beat(16)2.52%
Revenue beat(2)1
Avg Revenue beat(2)0.03%
Min Revenue beat(2)-0.13%
Max Revenue beat(2)0.19%
Revenue beat(4)1
Avg Revenue beat(4)-0.93%
Min Revenue beat(4)-2.18%
Max Revenue beat(4)0.19%
Revenue beat(8)2
Avg Revenue beat(8)2.85%
Revenue beat(12)5
Avg Revenue beat(12)22.83%
Revenue beat(16)9
Avg Revenue beat(16)50.36%
PT rev (1m)0.2%
PT rev (3m)-0.85%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.11%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)0.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.28 | ||
| Fwd PE | 16.19 | ||
| P/S | 4.48 | ||
| P/FCF | 17.05 | ||
| P/OCF | 15.91 | ||
| P/B | 2.86 | ||
| P/tB | 2.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.52
EY5.19%
EPS(NY)1.81
Fwd EY6.18%
FCF(TTM)1.72
FCFY5.87%
OCF(TTM)1.84
OCFY6.28%
SpS6.54
BVpS10.24
TBVpS9.98
PEG (NY)2
PEG (5Y)0.48
Graham Number18.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.98% | ||
| ROE | 15.88% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.87% | ||
| GM | N/A | ||
| FCFM | 26.28% |
ROA(3y)1.85%
ROA(5y)1.63%
ROE(3y)16.47%
ROE(5y)14.97%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.78%
PM growth 5Y22.23%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | 3.82 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 140.26% | ||
| Cap/Sales | 1.88% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 105.67% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC4.31%
ROIC/WACCN/A
Cap/Depr(3y)170.52%
Cap/Depr(5y)150.4%
Cap/Sales(3y)2.14%
Cap/Sales(5y)1.89%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.23%
EPS 3Y25.97%
EPS 5Y40.43%
EPS Q2Q%4.02%
EPS Next Y9.63%
EPS Next 2Y11.4%
EPS Next 3Y12.39%
EPS Next 5YN/A
Revenue 1Y (TTM)16.67%
Revenue growth 3Y20.88%
Revenue growth 5Y14.35%
Sales Q2Q%7.39%
Revenue Next Year10.64%
Revenue Next 2Y12.06%
Revenue Next 3Y13.41%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y299.89%
FCF growth 3Y28.45%
FCF growth 5Y8.72%
OCF growth 1Y246.43%
OCF growth 3Y28.74%
OCF growth 5Y9.07%
ICICI BANK LTD-SPON ADR / IBN FAQ
What is the ChartMill fundamental rating of ICICI BANK LTD-SPON ADR (IBN) stock?
ChartMill assigns a fundamental rating of 3 / 10 to IBN.
What is the valuation status of ICICI BANK LTD-SPON ADR (IBN) stock?
ChartMill assigns a valuation rating of 2 / 10 to ICICI BANK LTD-SPON ADR (IBN). This can be considered as Overvalued.
Can you provide the profitability details for ICICI BANK LTD-SPON ADR?
ICICI BANK LTD-SPON ADR (IBN) has a profitability rating of 4 / 10.
What is the valuation of ICICI BANK LTD-SPON ADR based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ICICI BANK LTD-SPON ADR (IBN) is 19.28 and the Price/Book (PB) ratio is 2.86.
Can you provide the financial health for IBN stock?
The financial health rating of ICICI BANK LTD-SPON ADR (IBN) is 1 / 10.