Icici Bank (IBNN) Stock Price & Analysis
IBNN Stock Chart & Stats
- Day’s Range
- MXN 554.61 - MXN 554.61
- 52-Week Range
- MXN 468.22 - MXN 590.39
- Previous Close
- MXN 554.61
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- MXN 1.98T
- Enterprise Value
- MXN 104.21B
- Total Cash (Recent Filing)
- MXN 2.76T
- Total Debt (Recent Filing)
- MXN 2.97T
- Price to Earnings (P/E)
- 17.0
- Beta
- -0.03
- Next Earnings
- Jan 18, 2027 (Est.)
- EPS Estimate
- 8.28
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 0.78%
Bulls Say, Bears Say
Bulls Say
Strong Earnings Growth
Strong multi-year revenue and net-income compounding indicates expanding scale and sustained earnings power. Improving net margins into the high-teens range provides greater capacity to reinvest in distribution, technology and lending while supporting durable profitability over the next several quarters.
Capital Strength And Improving Asset Quality
High capital ratios and improving net NPAs give ICICI Bank a substantial buffer while its loan book expands. Provision coverage of 75% and contingency reserves further support resilience, enabling the bank to pursue growth without relying solely on favorable credit conditions.
Broad Banking Franchise And Distribution
A large branch network combined with continued technology investment strengthens customer acquisition, servicing and cross-selling across retail, corporate and wealth products. This integrated distribution model can support recurring deposits, fee income and operating efficiency as digital adoption develops.
Bears Say
Net Interest Margin Pressure
Lower NIM directly pressures the bank’s core spread-based earnings, particularly as higher term deposits and overseas assets affect funding and asset yields. Although management expects improvement from Q4, the interim pressure may constrain profit momentum and reflects sensitivity to funding mix.
Higher Corporate And Business Banking NPAs
Rising corporate and business-banking NPA additions indicate that credit risks are not uniform across the expanding loan portfolio. If this trend persists, higher provisions could absorb operating gains, reduce returns on equity and require tighter underwriting or slower growth in these segments.
Continuing GST Regulatory Exposure
The sizeable GST demand and related litigation create an ongoing regulatory uncertainty around services linked to minimum-balance accounts. An adverse outcome could raise compliance costs, affect fee practices and produce financial charges, while repeated notices may require sustained management attention.
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 (IBNN) Earnings & Revenues
IBNN Company Deck
IBNN 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 MX:IBNN earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 13 | 2 | 4 |
| Technical Analysis | 2 | 2 | 3 |
| Moving Averages | 11 | 0 | 1 |
