Icici Bank stock analysis
Icici Bank (0A7M) Share Price & Analysis
0A7M Stock Chart & Stats
- Day’s Range
- $33.75 - $34.55
- 52-Week Range
- $24.53 - $35.00
- Previous Close
- $33.83
- Volume
- N/A
- Average Volume (3M)
- 6,737
- Market Cap
- $121.45B
- Enterprise Value
- $104.21B
- Total Cash (Recent Filing)
- $2.76T
- Total Debt (Recent Filing)
- $2.97T
- Price to Earnings (P/E)
- 19.3
- Beta
- 0.63
- Next Earnings
- Jan 18, 2027 (Est.)
- EPS Estimate
- 0.44
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 0.75%
Bulls Say, Bears Say
Bulls Say
Revenue And Earnings Growth
Strong multi-year revenue and net-income compounding indicates expanding earnings capacity and a scalable banking franchise. Rising margins alongside growth improve internal capital generation, supporting continued investment in distribution, technology, and lending while strengthening the bank’s competitive position.
Broad-based Balance-sheet Expansion
Rapid deposit and loan growth demonstrates strong customer acquisition and funding access across multiple banking segments. Because expansion includes retail, corporate, business banking, and international activity, it supports durable net interest and fee income growth rather than relying on one narrow product.
Capital And Asset-quality Strength
High regulatory capital and liquidity provide resilience as the balance sheet grows, while low net NPAs and substantial provisioning buffers reduce the immediate impact of credit losses. This combination supports lending capacity, depositor confidence, and more disciplined growth through changing economic conditions.
Bears Say
Net Interest Margin Pressure
Near-term margin compression can slow earnings growth even while loans and deposits expand, because higher funding costs and a larger overseas asset mix reduce spread income. The expected recovery is not immediate, leaving profitability sensitive to deposit pricing and the interest-rate environment.
Higher Corporate And Business NPAs
Rising corporate and business-banking NPA additions indicate that credit risk is increasing in portfolios that are also growing quickly. Further deterioration could require higher provisions, absorb capital, and reduce returns, limiting the benefit of strong loan expansion if underwriting losses persist.
Material GST Dispute
The sizeable GST demand creates a durable regulatory and earnings risk because it concerns a core retail-banking service and similar matters are already in litigation. An unfavorable outcome could increase tax payments, compliance costs, and pressure on fee practices across the customer base.
Icici Bank News
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Icici Bank Stock Smart Score
Company Description
Icici Bank
ICICI Bank Limited, a prominent financial institution with its various subsidiaries, delivers a comprehensive suite of banking and financial solutions. These services cater to both individual consumers (retail) and corporate entities, spanning operations across India and global markets. Its business activities are organized into distinct segments: Retail Banking, Wholesale Banking, Treasury operations, other banking functions, Life Insurance, and additional miscellaneous areas. The bank facilitates a wide array of deposit options, accommodating diverse account types such as savings, salary, pension, current, trade, escrow, foreign currency, and vostro accounts. Furthermore, it offers various deposit schemes, including time, fixed, recurring, and security deposits. ICICI Bank extends a broad spectrum of credit facilities. For individuals, these encompass financing for homes, automobiles, two-wheelers, personal needs, and gold, alongside commercial business loans and loans secured against various assets. Businesses benefit from offerings such as working capital finance, term loans, collateral-free credit, loans for entities without traditional financial records, import/export financing, and overdraft facilities. Additionally, the bank supports new businesses and provides loans based on card swipe transactions. Its card portfolio encompasses credit, debit, prepaid, travel, forex, and corporate cards. Digital solutions include the Pockets wallet. The bank also deals in fixed income instruments and a variety of investment products, such as mutual funds, gold monetization schemes, initial public offerings (IPOs), and other online investment platforms. Specific services target the agricultural and rural sectors, offering agri-business support, farmer finance, tractor loans, and micro-banking solutions. Beyond these, the institution delivers portfolio management, trade finance, foreign exchange services, locker facilities, specialized private and NRI (Non-Resident Indian) banking, and efficient cash management. It also supports family wealth management and dematerialized (Demat) accounts. For larger clients, it extends commercial and investment banking, capital market services, custodial services, and institutional banking. The bank facilitates access to various insurance products, including health, personal accident, fire, and motor insurance, and acts as a distributor for both general and life insurance policies. Customers can conveniently access banking services through internet, mobile, and phone channels. Through its various arms, ICICI Bank provides securities investment, broking, trading, and underwriting services. Its extensive offerings also cover merchant banking, trusteeship, housing finance, pension fund management, asset management, investment advisory, managing points of presence, and private equity/venture capital fund management. Established in 1955, the bank's headquarters are situated in Mumbai, India.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Sandeep Bakhshi
- Employees
- 124,324
- Website
- www.icici.bank.in
- Address
- ICICI Bank Towers, Mumbai, MA, 400051, IN
Icici Bank (0A7M) Earnings & Revenues
0A7M Company Deck
0A7M Earnings Call
Earnings Call SentimentPositive
The call was predominantly positive, with strong year-on-year growth in profit, deposits, loans, fee income, capital, and several subsidiary businesses, alongside improving net NPA metrics and substantial provisioning buffers. The main challenges were near-term NIM moderation, a declining credit card portfolio, higher corporate and business banking NPA additions, a treasury loss, weaker dividend income, higher operating expenses, and a higher insurance combined ratio. Management nevertheless characterized loan demand, credit quality, capital, and the broader franchise as strong.
View all GB:0A7M earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 2 | 6 |
| Technical Analysis | 2 | 2 | 6 |
| Moving Averages | 12 | 0 | 0 |
