ICICI BANK LTD-SPON ADR (IBN) Stock Fundamental Analysis
NYSE:IBN • US45104G1040
30.955 USD
+0.33 (+1.09%)
Last: Feb 17, 2026, 03:52 PM
We assign a fundamental rating of 3 out of 10 to IBN. IBN was compared to 381 industry peers in the Banks industry. There are concerns on the financial health of IBN while its profitability can be described as average. IBN is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year IBN was profitable.
- 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.
1.2 Ratios
- With an excellent Return On Assets value of 1.98%, IBN belongs to the best of the industry, outperforming 95.80% of the companies in the same industry.
- IBN has a Return On Equity of 15.88%. This is amongst the best in the industry. IBN outperforms 94.75% 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
- The Profit Margin of IBN (24.87%) is comparable to the rest of the 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 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.
- Compared to 1 year ago, IBN has more shares outstanding
- IBN has more shares outstanding than it did 5 years ago.
- IBN has a better debt/assets ratio than last year.
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 65.62% of its industry peers.
- A Debt/Equity ratio of 0.64 indicates that IBN is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.64, IBN is doing worse than 79.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | 3.82 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 7.28% over the past year.
- Measured over the past years, IBN shows a very strong growth in Earnings Per Share. The EPS has been growing by 40.43% on average per year.
- IBN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.05%.
- Measured over the past years, IBN shows a quite strong growth in Revenue. The Revenue has been growing by 14.35% on average per year.
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
- 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
- With a Price/Earnings ratio of 20.37, IBN is valued on the expensive side.
- IBN's Price/Earnings ratio is rather expensive when compared to the industry. IBN is more expensive than 81.89% of the companies in the same industry.
- When comparing the Price/Earnings ratio of IBN to the average of the S&P500 Index (27.19), we can say IBN is valued slightly cheaper.
- With a Price/Forward Earnings ratio of 16.94, IBN is valued correctly.
- 75.07% of the companies in the same industry are cheaper than IBN, based on the Price/Forward Earnings ratio.
- IBN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.06.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.37 | ||
| Fwd PE | 16.94 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, IBN is valued a bit more expensive than the industry average as 69.03% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.84 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- IBN's earnings are expected to grow with 12.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.11
PEG (5Y)0.5
EPS Next 2Y11.4%
EPS Next 3Y12.39%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.58%, IBN is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.78, IBN's dividend is way lower than its industry peers. On top of this 84.78% of the companies listed in the same industry pay a better dividend than IBN!
- Compared to an average S&P500 Dividend Yield of 1.82, IBN's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.58% |
5.2 History
- The dividend of IBN is nicely growing with an annual growth rate of 48.58%!
- IBN has been paying a dividend for at least 10 years, so it has a reliable track record.
- The dividend of IBN decreased recently.
Dividend Growth(5Y)48.58%
Div Incr Years1
Div Non Decr Years1
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 2Y11.4%
EPS Next 3Y12.39%
NYSE:IBN (2/17/2026, 3:52:08 PM)
30.955
+0.33 (+1.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-17 2026-01-17/dmh
Earnings (Next)04-17 2026-04-17/amc
Inst Owners52.41%
Inst Owner Change-0.64%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap110.72B
Revenue(TTM)2.17T
Net Income(TTM)533.00B
Analysts88.29
Price Target39.59 (27.9%)
Short Float %0.92%
Short Ratio4.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.58% |
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)3.29%
PT rev (3m)1.85%
EPS NQ rev (1m)2.76%
EPS NQ rev (3m)2.74%
EPS NY rev (1m)0.05%
EPS NY rev (3m)-0.25%
Revenue NQ rev (1m)6.5%
Revenue NQ rev (3m)6.5%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.37 | ||
| Fwd PE | 16.94 | ||
| P/S | 4.69 | ||
| P/FCF | 17.84 | ||
| P/OCF | 16.65 | ||
| P/B | 2.99 | ||
| P/tB | 3.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.52
EY4.91%
EPS(NY)1.83
Fwd EY5.9%
FCF(TTM)1.74
FCFY5.61%
OCF(TTM)1.86
OCFY6.01%
SpS6.6
BVpS10.34
TBVpS10.08
PEG (NY)2.11
PEG (5Y)0.5
Graham Number18.81
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
WACC4.34%
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 Y9.63%
EPS Next 2Y11.4%
EPS Next 3Y12.39%
EPS Next 5YN/A
Revenue 1Y (TTM)11.05%
Revenue growth 3Y20.88%
Revenue growth 5Y14.35%
Sales Q2Q%7.67%
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 20.37 and the Price/Book (PB) ratio is 2.99.
Can you provide the financial health for IBN stock?
The financial health rating of ICICI BANK LTD-SPON ADR (IBN) is 1 / 10.