ICICI BANK LTD-SPON ADR (IBN) Fundamental Analysis & Valuation

NYSE:IBN • US45104G1040

Current stock price

26.87 USD
+0.32 (+1.21%)
Last:

This IBN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. IBN Profitability Analysis

1.1 Basic Checks

  • IBN had positive earnings in the past year.
  • In the past year IBN had a positive cash flow from operations.
  • Each year in the past 5 years IBN has been profitable.
  • Of the past 5 years IBN 4 years had a positive operating cash flow.
IBN Yearly Net Income VS EBIT VS OCF VS FCFIBN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500B 1T 1.5T

1.2 Ratios

  • With an excellent Return On Assets value of 1.98%, IBN belongs to the best of the industry, outperforming 95.54% of the companies in the same industry.
  • IBN's Return On Equity of 15.88% is amongst the best of the industry. IBN outperforms 93.96% of its industry peers.
Industry RankSector 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
IBN Yearly ROA, ROE, ROICIBN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With a Profit Margin value of 24.87%, IBN perfoms like the industry average, outperforming 49.87% of the companies in the same industry.
  • In the last couple of years the Profit Margin of IBN has grown nicely.
  • IBN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
IBN Yearly Profit, Operating, Gross MarginsIBN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. IBN Health Analysis

2.1 Basic Checks

  • IBN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, IBN has more shares outstanding
  • Compared to 5 years ago, IBN has more shares outstanding
  • Compared to 1 year ago, IBN has an improved debt to assets ratio.
IBN Yearly Shares OutstandingIBN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
IBN Yearly Total Debt VS Total AssetsIBN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5T 10T 15T 20T 25T

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 65.35% 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 80.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF 3.82
Altman-Z N/A
ROIC/WACCN/A
WACC4.26%
IBN Yearly LT Debt VS Equity VS FCFIBN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1T 2T 3T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IBN Yearly Current Assets VS Current LiabilitesIBN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. IBN Growth Analysis

3.1 Past

  • IBN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.28%.
  • The Earnings Per Share has been growing by 40.43% on average over the past years. This is a very strong growth
  • Looking at the last year, IBN shows a quite strong growth in Revenue. The Revenue has grown by 11.05% in the last year.
  • 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)7.28%
EPS 3Y25.97%
EPS 5Y40.43%
EPS Q2Q%-5.05%
Revenue 1Y (TTM)11.05%
Revenue growth 3Y20.88%
Revenue growth 5Y14.35%
Sales Q2Q%7.67%

3.2 Future

  • Based on estimates for the next years, IBN will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.83% on average per year.
  • Based on estimates for the next years, IBN will show a quite strong growth in Revenue. The Revenue will grow by 13.16% on average per year.
EPS Next Y6.92%
EPS Next 2Y10.45%
EPS Next 3Y11.83%
EPS Next 5YN/A
Revenue Next Year10.28%
Revenue Next 2Y12.38%
Revenue Next 3Y13.16%
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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
IBN Yearly Revenue VS EstimatesIBN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500B 1T 1.5T 2T
IBN Yearly EPS VS EstimatesIBN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 50 100 150

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1

4. IBN Valuation Analysis

4.1 Price/Earnings Ratio

  • IBN is valuated rather expensively with a Price/Earnings ratio of 18.16.
  • IBN's Price/Earnings ratio is rather expensive when compared to the industry. IBN is more expensive than 82.15% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of IBN to the average of the S&P500 Index (25.79), we can say IBN is valued slightly cheaper.
  • IBN is valuated correctly with a Price/Forward Earnings ratio of 15.31.
  • 75.85% 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 23.80, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.16
Fwd PE 15.31
IBN Price Earnings VS Forward Price EarningsIBN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, IBN is valued a bit more expensive than the industry average as 67.98% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 15.85
EV/EBITDA N/A
IBN Per share dataIBN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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.
PEG (NY)2.62
PEG (5Y)0.45
EPS Next 2Y10.45%
EPS Next 3Y11.83%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. IBN Dividend Analysis

5.1 Amount

  • IBN has a yearly dividend return of 0.87%, which is pretty low.
  • With a Dividend Yield of 0.87, IBN pays less dividend than the industry average, which is at 2.90. 83.73% of the companies listed in the same industry pay a better dividend than IBN!
  • Compared to an average S&P500 Dividend Yield of 1.91, IBN's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.87%

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.
  • The dividend of IBN decreased recently.
Dividend Growth(5Y)48.58%
Div Incr Years1
Div Non Decr Years1
IBN Yearly Dividends per shareIBN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2021 2022 2023 2024 2025 50 100 150 200

5.3 Sustainability

  • IBN pays out 14.73% of its income as dividend. This is a sustainable payout ratio.
  • IBN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP14.73%
EPS Next 2Y10.45%
EPS Next 3Y11.83%
IBN Yearly Income VS Free CF VS DividendIBN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500B 1T 1.5T
IBN Dividend Payout.IBN Dividend Payout, showing the Payout Ratio.IBN Dividend Payout.PayoutRetained Earnings

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IBN Fundamentals: All Metrics, Ratios and Statistics

ICICI BANK LTD-SPON ADR

NYSE:IBN (3/19/2026, 3:41:09 PM)

26.87

+0.32 (+1.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-17
Earnings (Next)04-17
Inst Owners55.37%
Inst Owner Change1.03%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap96.10B
Revenue(TTM)2.17T
Net Income(TTM)533.00B
Analysts88.57
Price Target38.18 (42.09%)
Short Float %0.81%
Short Ratio4.2
Dividend
Industry RankSector Rank
Dividend Yield 0.87%
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)-3.56%
PT rev (3m)-0.18%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)2.76%
EPS NY rev (1m)-2.47%
EPS NY rev (3m)-2.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.5%
Revenue NY rev (1m)-0.33%
Revenue NY rev (3m)-0.33%
Valuation
Industry RankSector Rank
PE 18.16
Fwd PE 15.31
P/S 4.17
P/FCF 15.85
P/OCF 14.79
P/B 2.66
P/tB 2.73
EV/EBITDA N/A
EPS(TTM)1.48
EY5.51%
EPS(NY)1.75
Fwd EY6.53%
FCF(TTM)1.7
FCFY6.31%
OCF(TTM)1.82
OCFY6.76%
SpS6.45
BVpS10.1
TBVpS9.84
PEG (NY)2.62
PEG (5Y)0.45
Graham Number18.34
Profitability
Industry RankSector 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 RankSector 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
WACC4.26%
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)7.28%
EPS 3Y25.97%
EPS 5Y40.43%
EPS Q2Q%-5.05%
EPS Next Y6.92%
EPS Next 2Y10.45%
EPS Next 3Y11.83%
EPS Next 5YN/A
Revenue 1Y (TTM)11.05%
Revenue growth 3Y20.88%
Revenue growth 5Y14.35%
Sales Q2Q%7.67%
Revenue Next Year10.28%
Revenue Next 2Y12.38%
Revenue Next 3Y13.16%
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 Fundamental Analysis 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 1 / 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 18.16 and the Price/Book (PB) ratio is 2.66.


Can you provide the financial health for IBN stock?

The financial health rating of ICICI BANK LTD-SPON ADR (IBN) is 1 / 10.