ICICI Bank Ltd
Ticker: ICICIBANK
Decent
68/100
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Investing Reference
Price
1359.60
Market Cap
970810.89
Debt/Equity
0.0000
ROE %
17.045
PB
2.9531
Promoter %
0.000
Pledge %
0.000
1Y Rev Growth %
24.805
5Y Rev Growth %
14.485
NP Margin %
17.322
NP Margin 5Y Avg %
16.338
Trading Reference
1M Return %
-3.547
6M Return %
1.774
1Y Return %
2.299
% Away 52W High
10.327
% Away 52W Low
14.637
Daily Volume
18342280
Investment Verdict
Hold
Score 72/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 27/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
ICICI Bank Ltd is currently trading near a key support level with strong volume indicating potential upward momentum. If it breaks above the resistance level at 900, it could see a bullish trend, while a drop below 800 may indicate bearish sentiment.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
ICICI Bank Ltd is one of India's leading private sector banks, offering a wide range of financial services to individuals and businesses. With a strong focus on innovation and customer satisfaction, it caters to diverse banking needs, from savings accounts to loans and investment products. ICICI Bank plays a crucial role in enhancing financial inclusion and driving economic growth in India. Its robust digital banking platform makes banking convenient and accessible for everyone.
- Leading private sector bank in India
- Comprehensive financial services for individuals and businesses
- Strong emphasis on customer satisfaction and innovation
- Pioneering digital banking solutions
- Contributing to financial inclusion and economic growth
- Robust network of branches and ATMs across the country
Investment Thesis
ICICI Bank Ltd stands out as a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. These factors position the bank for sustained growth and resilience in the competitive banking landscape.
- Strong backing from the ICICI Group enhances credibility and stability.
- Significant investments in digital banking drive customer acquisition and retention.
- Valuation metrics indicate ICICI Bank is undervalued relative to its peers.
- Consistent growth in retail loans and asset quality improvements.
- Strategic focus on technology positions ICICI Bank for future growth.
Opportunity vs Risk
Opportunities
- Strong retail loan growth
- Expanding digital banking services
- Improving asset quality
- Rising interest rates benefit margins
- Strategic partnerships for growth
Risks ⚠️
- Economic slowdown impacts lending
- Regulatory changes affecting operations
- High competition in banking sector
- Credit risk from corporate loans
- Market volatility affecting stock price
Peer Perspective
ICICI Bank Ltd trades at a slight premium to HDFC Bank and Axis Bank, reflecting its robust growth trajectory. A sustained improvement in net interest margins could trigger a significant rerating in its valuation.
Future Outlook
ICICI Bank Ltd is well-positioned for growth, driven by strong retail banking demand and digital initiatives; however, successful execution and cost control will be crucial to fully realize its potential in the evolving market.
AI FAQs for Retail Users
- Q: What is ICICI Bank's primary business?A: ICICI Bank primarily provides banking and financial services, including loans, deposits, and investment products.
- Q: Is ICICI Bank a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research and consult a financial advisor.
- Q: What factors affect ICICI Bank's stock price?A: Stock price can be influenced by economic conditions, interest rates, and bank performance.
- Q: How can I invest in ICICI Bank shares?A: You can buy ICICI Bank shares through a brokerage account or a stock trading platform.
- Q: What are the risks of investing in ICICI Bank?A: Risks include market volatility, regulatory changes, and economic downturns affecting the banking sector.
📊 Stock Investment Checklist (100 Points)
ICICI Bank Ltd • Updated: 2025-09-18 07:18:08
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10BusinessHighICICI Bank operates in a future-ready sector with a strong digital transformation strategy.
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10GrowthHighConsistent revenue and profit growth over the past few years.
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10ProfitabilityHighStrong ROE and ROCE, with healthy operating cash flow.
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10ValuationHighValuation metrics are in line with peers, with a reasonable P/E ratio.
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8BalanceHighStrong balance sheet with manageable debt levels.
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7GovernanceHighGood promoter holding with minimal pledging.
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8DriversHighStrong growth drivers including digital banking and retail expansion.
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5TechnicalsGoodMarket sentiment is positive, but technical indicators show mixed signals.
Final Score & Verdict
Score 68 / 100
• Decent
ICICI Bank is positioned well in the banking sector with strong growth potential and solid fundamentals, making it a decent investment option.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 80/100
- Profitability: 70/100
- Governance: 65/100
- Market Confidence: 78/100