ScoreWhy is ICICI Bank Ltd. ?
1
Flat results in Sep 25
- NON-OPERATING INCOME(Q) is 46.24 % of Profit Before Tax (PBT)
2
With ROA of 2.3, it has a Expensive valuation with a 3.2 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 5.04%, its profits have risen by 13.2% ; the PEG ratio of the company is 1.7
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
15.63%
Net Profit Growth (5y)
30.41%
Advance to Deposit
85.62%
Capital Adequacy Ratio (Tier 1)
15.03%
Gross NPA (latest)
1.53%
Gross NPA (avg)
2.60%
Coverage Ratio (avg)
79.75%
Cost to Income (avg)
39.93%
Net Interest Margin (avg)
4.35%
Operating Profit to Assets (avg)
5.55%
ROA (avg)
2.16%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Price to Book Value
3.10
PEG Ratio
2.94
Dividend Yield
0.79%
ROE (Latest)
15.31%
ROA (Latest)
2.24%
Net NPA to Book Value
1.79
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Sideways
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
GROSS NPA(Q)
Lowest at 1.53%
NII(Q)
Highest at Rs 21,932.24 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 88.34%
NET NPA(Q)
Lowest at 0.37%
-8What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 63,668.79 cr
PBT LESS OI(Q)
Lowest at Rs 7,432.22 cr.
PAT(Q)
At Rs 11,317.86 cr has Fallen at -8.6% (vs previous 4Q average
NON-OPERATING INCOME(Q)
is 49.78 % of Profit Before Tax (PBT
EPS(Q)
Lowest at Rs 15.83
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Here's what is working for ICICI Bank
Gross NPA - Quarterly
Lowest at 1.53%
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 21,932.24 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Net NPA - Quarterly
Lowest at 0.37%
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 88.34%
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
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 7,432.22 cr has Fallen at -15.9% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 8,835.00 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs 7,432.22 cr.
in the last five quartersMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 11,317.86 cr has Fallen at -8.6% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 12,387.28 CrMOJO Watch
Near term PAT trend is negative
PAT (Rs Cr)
Non Operating Income - Quarterly
is 49.78 % 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
Earnings per Share (EPS) - Quarterly
Lowest at Rs 15.83
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 63,668.79 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
