ScoreWhy is ICICI Bank Ltd. ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.81%
- Healthy long term growth as Net profit has grown by an annual rate of 42.62%
- The Bank has a high Capital Adequacy Ratio of 15.41% signifying high buffers against its risk based assets
2
The company has declared Positive results for the last 25 consecutive quarters
- GROSS NPA(Q) Lowest at 1.96%
- NII(Q) Highest at Rs 20,370.61 cr
- INTEREST EARNED(Q) Highest at Rs 41,299.82 cr
3
Stock is technically in a Bullish range
- The technical trend has improved from Mildly Bullish on 08-Apr-25 and has generated 1.73% returns since then
- Multiple factors for the stock are Bullish like MACD, KST and OBV
4
High Institutional Holdings at 90.91%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating performance in long term as well as near term
- Along with generating 19.14% returns in the last 1 year, the stock has outperformed BSE 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to ICICI Bank should be less than 10%
- Overall Portfolio exposure to Bank - Private should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Private)
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, High Return
Absolute
Risk Adjusted
Volatility
ICICI Bank
19.25%
0.93
20.60%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
17.27%
Net Profit Growth (5y)
42.62%
Advance to Deposit
83.96%
Capital Adequacy Ratio (Tier 1)
15.41%
Gross NPA (latest)
1.96%
Gross NPA (avg)
3.17%
Coverage Ratio (avg)
81.78%
Cost to Income (avg)
39.62%
Net Interest Margin (avg)
4.24%
Operating Profit to Assets (avg)
5.48%
ROA (avg)
1.81%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Price to Book Value
3.43
PEG Ratio
1.51
Dividend Yield
0.76%
ROE (Latest)
16.79%
ROA (Latest)
2.42%
Net NPA to Book Value
2.19
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
GROSS NPA(Q)
Lowest at 1.96%
NII(Q)
Highest at Rs 20,370.61 cr
INTEREST EARNED(Q)
Highest at Rs 41,299.82 cr
PAT(Q)
Highest at Rs 11,792.42 cr.
CREDIT DEPOSIT RATIO(HY)
Highest at 86.45 %
PBDIT(Q)
Highest at Rs 9,818.50 cr.
EPS(Q)
Highest at Rs 16.70
NET NPA(Q)
Lowest at 0.42 %
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 45.13 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for ICICI Bank
Gross NPA - Quarterly
Lowest at 1.96% 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 20,370.61 cr and Grown
each quarter 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 41,299.82 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 11,792.42 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 9,818.50 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 16.70
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.42 %
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 86.45 %
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 45.13 % 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
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