ICICI Bank IBN
Diversified Indian bank offering retail, corporate banking and insurance, with a strong digital presence. ICICI Bank shows solid profitability (ROE 16.07%) and high margins (net margin 27.53%), but its valuation (P/E 17.34) is not particularly attractive and momentum is weak (score 2.49). The main risk is governance in India, which justifies an additional penalty to the base risk.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Diversified Indian bank offering retail, corporate banking and insurance, with a strong digital presence. ICICI Bank shows solid profitability (ROE 16.07%) and high margins (net margin 27.53%), but its valuation (P/E 17.34) is not particularly attractive and momentum is weak (score 2.49). The main risk is governance in India, which justifies an additional penalty to the base risk.
Score by category
| Category | Score |
|---|---|
| Financial health | 6.2 |
| Quality / Moat | 8.9 |
| Valuation | 3.9 |
| Growth | 6.9 |
| Dividend | 3.9 |
| Momentum | 2.5 |
| Risk & Context | 6.2 |
OVERALL SCORE: 5.7/10
Context and risks
Elevated governance risk in India: weaker minority protection than in developed markets and potential for state interference in the banking sector, which can affect value distribution to shareholders.
News considered in the analysis
- Asian Equities Traded in the US as American Depositary Receipts Rise in Friday Trading; Down for Week — Ruido de mercado sin información específica sobre la empresa.
- Asian Equities Traded in the US as American Depositary Receipts Lower in Tuesday Trading — Movimiento diario genérico de ADRs, sin relevancia para los fundamentales.
- Apple Pay to launch in India next month with Axis Bank- report — Noticia sobre un competidor (Axis Bank) y Apple; no afecta directamente a ICICI.
- Asian Equities Traded in the US as American Depositary Receipts Edge Up in Wednesday Trading — Ruido de mercado sin información nueva.
- Asian Equities Traded in the US as American Depositary Receipts Fall in Tuesday Trading — Ruido de mercado sin información nueva.
Verdict: Hold. Business quality is high, but valuation offers no margin of safety and governance risk in India limits appeal.
Main risk: Governance risk in India (weak minority protection, potential state interference) is the biggest risk factor for ICICI, as it can affect value distribution to shareholders despite good fundamentals.
Other Financial Services companies
Neighbours in the sector ranking, to compare without going back to the index.
See all 1,000+ companies in the index →