US · IBN
ICICI Bank Limited
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Mumbai 400051
- Website
- icicibank.com
Price · as of 2025-03-31
$26.42
Market cap 109.1B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $0.20 | -99.24% |
| Intrinsic Value(DCF) | $39.01 | +47.65% |
| Graham-Dodd Method(GD) | $14.30 | -45.87% |
| Graham Formula(GF) | $51.70 | +95.69% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $7.35 | $5.31 | $0.59 | $2.10 | $2.70 |
| 2012 | $4.91 | $3.78 | $0.99 | $2.30 | $4.10 |
| 2013 | $7.31 | $4.98 | $1.21 | $2.80 | $6.10 |
| 2014 | $8.56 | $5.68 | $1.41 | $3.10 | $5.50 |
| 2015 | $8.01 | $5.83 | $2.25 | $3.30 | $8.70 |
| 2016 | $6.29 | $5.12 | $9.46 | $3.10 | $6.80 |
| 2017 | $8.59 | $5.55 | $2.18 | $3.50 | $6.60 |
| 2018 | $8.25 | $5.76 | $2.17 | $4.10 | $3.30 |
| 2019 | $11.53 | $7.01 | $4.81 | $4.00 | $2.60 |
| 2020 | $9.45 | $6.62 | $16.02 | $5.20 | $6.90 |
| 2021 | $16.97 | $10.29 | $9.41 | $8.30 | $9.60 |
| 2022 | $17.36 | $9.74 | $4.53 | $9.30 | $4.90 |
| 2023 | $22.42 | $11.97 | $5.78 | $10.70 | $27.10 |
| 2024 | $26.25 | $15.07 | $51.55 | $12.60 | $49.00 |
| 2025 | $33.91 | $17.08 | $166.23 | $14.30 | $51.70 |
AI valuation
Our deep-learning model estimates ICICI Bank Limited's (IBN) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $0.20
- Current price
- $26.42
- AI upside
- -99.24%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$39.01
+47.65% upside
Graham-Dodd
$14.30
-45.87% upside
Graham Formula
$51.70
+95.69% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| IBN | ICICI Bank Limited | $26.42 | 109.1B | -35% | +48% | -46% | +96% | 20.88 | 3.43 | 3.66 | 6.33 | 142.53 | 3.53 | 68.11% | 24.78% | 17.32% | 18.11% | 19.98% | 2.06% | 0.65 | 0.82 | 0.19 | 0.18 | -0.21 | 1465.00% | 2519.00% | -4962.00% | 7.18% | 0.05 | 28.34% | 0.66% | 13.80% | 4.88% | 14.29 | 13.48 | 3.54 | -0.14 |
| BBVA | Banco Bilbao Vizcaya Arge… | $23.13 | 132.44B | +295% | -36% | -61% | +6% | 11.68 | 1.98 | 3.07 | -4.54 | 1962.60 | 2.08 | 83.56% | 43.94% | 28.46% | 17.19% | -24.66% | 1.19% | 1.43 | — | 0.44 | 0.44 | -0.68 | 60.00% | 408.00% | -68124.00% | 99.28% | 0.18 | -249.73% | 3.55% | 41.50% | 90.40% | -4.97 | -0.72 | -2.18 | -0.31 |
| BMO | Bank of Montreal | $143.93 | 102.03B | +100% | -42% | -73% | -55% | 15.33 | 1.52 | 1.71 | 32.39 | 75.53 | 2.01 | 41.56% | 14.78% | 11.14% | 10.13% | 2.35% | 0.60% | 4.72 | 0.27 | 0.14 | 0.14 | 25.12 | 2029.00% | -52.00% | -6901.00% | 6.36% | 0.01 | 2.29% | 3.76% | 57.70% | 6.30% | 38.51 | 52.26 | 5.69 | -0.60 |
| CB | Chubb Limited | $340.86 | 134.15B | -33% | +24% | -7% | +7% | 13.18 | 1.84 | 2.28 | 13.24 | 98.75 | 2.87 | 46.22% | 38.90% | 17.30% | 14.97% | 33.88% | 3.97% | 0.00 | 30.34 | — | — | -0.25 | 1335.00% | 611.00% | -2080.00% | 9.43% | — | 23.01% | 0.00% | 0.00% | 11.38% | 5.76 | 10.41 | 2.24 | 0.92 |
| HDB | HDFC Bank Limited | $31.85 | 163.37B | -34% | +356% | -51% | +24% | 25.23 | 2.26 | 4.13 | 16.85 | 954.41 | 3.70 | 52.21% | 20.54% | 16.06% | 9.39% | 12.37% | 1.49% | 0.97 | 0.47 | 0.34 | 0.33 | 4.58 | 264.00% | 1915.00% | 1660.00% | 6.52% | 0.04 | 20.34% | 0.91% | 23.00% | 3.75% | 18.09 | 13.80 | 3.71 | -0.01 |
| LYG | Lloyds Banking Group plc | $5.55 | 81.58B | +524% | +6,233% | -48% | +486% | 14.87 | 1.46 | 0.94 | 13.30 | 185.88 | 1.83 | 29.88% | 10.25% | 7.17% | 9.37% | 7.13% | 0.44% | 2.11 | 0.39 | 0.94 | 0.91 | 4.73 | 800.00% | 7281.00% | -9286.00% | -1.02% | 0.06 | -0.94% | 3.21% | 47.70% | 5.95% | 13.30 | -141.76 | 1.36 | 0.14 |
| MFG | Mizuho Financial Group, I… | $8.87 | 109.55B | -49% | +18% | -39% | -10% | 8.85 | 1.01 | 1.22 | -8.64 | 28.79 | 1.09 | 41.79% | 13.84% | 10.30% | 11.51% | -11.15% | 0.42% | 5.83 | 0.24 | 0.39 | 0.39 | -8.31 | 3072.00% | 947.00% | -35589.00% | -39.57% | -0.02 | 52.27% | 2.89% | 25.60% | 3.87% | -10.14 | 2.90 | -1.40 | -0.48 |
| PNC | The PNC Financial Service… | $212.35 | 85.66B | +10% | -32% | -52% | -88% | 12.25 | 1.39 | 2.69 | 11.87 | 59.04 | 1.84 | 71.66% | 27.08% | 22.13% | 11.99% | 10.11% | 1.22% | 0.94 | 0.78 | 0.81 | 0.80 | 5.87 | 2074.00% | -698.00% | 1995.00% | 11.20% | 0.02 | 13.66% | 3.49% | 42.70% | 5.07% | 12.00 | 10.77 | 3.25 | 0.17 |
| UBS | UBS Group AG | $41.43 | 130.91B | +65% | -41% | -13% | — | 16.88 | 1.15 | 1.76 | 5.25 | 73.30 | 1.25 | 63.65% | 11.89% | 10.43% | 7.02% | 5.01% | 0.39% | 3.82 | 0.33 | 0.42 | 0.42 | 14.12 | 2303.00% | -2043.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.14 | — | 0.85 | -0.27 |
| USB | U.S. Bancorp | $54.66 | 85B | +4% | -5% | +6% | -24% | 11.22 | 1.30 | 1.98 | 11.27 | 51.87 | 1.78 | 62.83% | 22.20% | 17.68% | 12.23% | 17.78% | 1.10% | 1.20 | 0.66 | 2.73 | 2.73 | 3.02 | 2164.00% | 35.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 12.19 | — | 2.71 | 0.40 |
About ICICI Bank Limited
ICICI Bank Limited, together with its subsidiaries, engages in the provision of various banking and financial services to retail and corporate customers in India and internationally. The company operates through Retail Banking, Wholesale Banking, Treasury, Other Banking, Life Insurance, and Others segments. It accepts savings, salary, pension, current, trade, escrow, foreign currency, and vostro accounts, as well as time, fixed, recurring, and security deposits services. The company also provides home, car, two-wheeler, personal, gold, and commercial business loans, as well as loans against securities and other loans; business loans, including working capital finance, term loans, collateral free loans, loans without financials, finance for importers and exporters, and overdraft facilities, as well as loans for new entities and card swipes; and credit, debit, prepaid, travel, forex, and corporate cards. In addition, it offers pockets wallet; fixed income products; investment products, such as mutual funds, gold monetization schemes, initial public offerings, and other online investment services; and agri and rural business, farmer finance, tractor loans, and micro banking services. Further, the company provides portfolio management, trade, foreign exchange, locker, private and NRI banking, and cash management services; family wealth and demat accounts; commercial and investment banking, capital market, custodial, and institutional banking services; health, personal accident, fire, and motor insurance, as well as distributes general and life insurance products; and Internet, mobile, and phone banking services. Additionally, it offers securities investment, broking, trading, and underwriting services; and merchant banking, trusteeship, housing finance, pension fund management, asset management, investment advisory, points of presence, and private equity/venture capital fund management services. The company was founded in 1955 and is headquartered in Mumbai, India.
- CEO
- Sandeep Bakhshi
- Employees
- 187.77K
- Beta
- 0.19
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($39.01 ÷ $26.42) − 1 = +47.65% (DCF, example).