ICRA Ltd
Ticker: ICRA
Decent
66/100
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Investing Reference
Price
6254.00
Market Cap
6018.43
Debt/Equity
0.0124
ROE %
16.681
PB
5.6904
Promoter %
51.865
Pledge %
0.000
1Y Rev Growth %
10.430
5Y Rev Growth %
9.290
NP Margin %
29.548
NP Margin 5Y Avg %
28.285
Trading Reference
1M Return %
-2.829
6M Return %
13.813
1Y Return %
-11.441
% Away 52W High
23.687
% Away 52W Low
24.703
Daily Volume
2994
Investment Verdict
Hold
Score 60/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 32/100 · 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
ICRA Ltd is currently trading near a key support level with strong volume indicating potential buying interest. If it breaks above the resistance level, it could see significant upside, while a drop below support may lead to downside risk.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
ICRA Ltd is a leading credit rating agency in India, providing independent ratings, research, and risk assessment services. It caters to a diverse clientele, including corporations, banks, and financial institutions, helping them make informed decisions. ICRA's rigorous methodologies and extensive industry expertise ensure reliable ratings that matter for investors and stakeholders alike. By enhancing transparency in the financial market, ICRA plays a crucial role in fostering trust and stability in the Indian economy.
- Established leader in credit ratings
- Serves diverse sectors including finance and corporate
- Enhances transparency and trust in markets
- Rigorous methodologies ensure reliability
- Supports informed decision-making for stakeholders
Investment Thesis
ICRA 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. This positions ICRA to capitalize on the evolving credit rating landscape, making it a valuable addition to any portfolio.
- Strong backing from the established Moody's group enhances credibility.
- Significant growth potential in digital services, aligning with industry trends.
- Attractive valuation metrics compared to industry peers, offering potential upside.
- Diversified revenue streams mitigate risks associated with traditional rating services.
- Proven track record of performance and reliability in credit ratings.
Opportunity vs Risk
Opportunities
- Growing demand for credit ratings
- Expansion into new sectors
- Strong market position
- Increasing regulatory requirements
- Potential for international growth
Risks ⚠️
- Economic slowdown impacts demand
- Competition from new entrants
- Regulatory changes affecting operations
- Dependence on financial markets
- Market volatility affecting stock price
Peer Perspective
ICRA Ltd trades at a discount to peers like CRISIL and CARE Ratings, reflecting concerns over margin stability. A consistent improvement in margins could trigger a rerating, aligning its valuation closer to industry leaders.
Future Outlook
ICRA Ltd is well-positioned for future growth, driven by strong demand in the credit rating sector. However, successful execution and effective cost control will be crucial to fully capitalize on these opportunities.
AI FAQs for Retail Users
- Q: What does ICRA Ltd do?A: ICRA Ltd provides credit ratings, research, and risk and policy advisory services in India.
- Q: Is ICRA Ltd listed on stock exchanges?A: Yes, ICRA Ltd is listed on the National Stock Exchange and Bombay Stock Exchange in India.
- Q: What factors influence ICRA Ltd's stock price?A: Stock price can be influenced by market conditions, financial performance, and changes in regulatory environment.
- Q: How can I invest in ICRA Ltd?A: You can invest in ICRA Ltd through a brokerage account by buying shares on the stock exchanges.
- Q: Are dividends paid by ICRA Ltd?A: ICRA Ltd has a history of paying dividends, but future payments depend on company performance and board decisions.
📊 Stock Investment Checklist (100 Points)
ICRA Ltd • Updated: 2025-09-17 06:57:09
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10BusinessHighICRA operates in the credit rating sector which is essential for financial markets, indicating a future-ready model.
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10GrowthHighThe company has shown consistent revenue growth over the past few years, although profit margins have fluctuated.
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10ProfitabilityHighROE and ROCE are healthy, but OCF has been inconsistent compared to net profit.
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8ValuationHighValuation metrics like P/E and P/B are slightly above industry averages, indicating potential overvaluation.
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7BalanceHighThe debt/equity ratio is manageable, but liquidity could be improved.
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9GovernanceHighPromoter holding is strong with minimal pledging, and disclosures are generally transparent.
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10DriversHighGrowth drivers include increasing demand for credit ratings, but execution risks remain.
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5TechnicalsGoodMarket sentiment is neutral with moderate liquidity and mixed price action.
Final Score & Verdict
Score 66 / 100
• Decent
ICRA Ltd shows a decent investment potential with strong fundamentals but faces challenges in profitability consistency and valuation metrics.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 72/100