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IBN logoICICI Bank Limited(IBN)Earnings, Financials & Key Ratios

IBN•NYSE•Banking & Credit
$26.75
$95.7B mkt cap·17.9× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryNon-US regional and universal banks
AboutICICI 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.Show more
  • Net Interest Income$973.03B+13.9%
  • Total Revenue$2945.86B+25.2%
  • Net Income$510.29B+15.3%
  • Return on Equity17.04%-5.4%
  • Net Interest Margin3.68%+1.9%
  • Efficiency Ratio43.38%+3.4%
  • ROA2.04%-0.4%
  • Equity / Assets12.44%+8.9%
  • Book Value per Share916.60+21.0%
  • Tangible BV/Share893.02+19.0%
  • Debt/Equity0.62-16.8%
Analysis→Technical→

IBN Key Insights

ICICI Bank Limited (IBN) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 39.8%
  • ✓Strong Piotroski F-Score: 7/9
  • ✓Strong NIM of 3.7%
  • ✓Efficient operations: 43.4% efficiency ratio
  • ✓Well capitalized: 12.4% equity/assets
  • ✓Good 3Y average ROE of 17.2%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

IBN Price & Volume

ICICI Bank Limited (IBN) stock price & volume — 10-year historical chart

Loading chart...

IBN Growth Metrics

ICICI Bank Limited (IBN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years12.56%
5 Years14.51%
3 Years23.2%
TTM-

Profit CAGR

10 Years15.34%
5 Years39.77%
3 Years26.67%
TTM16.72%

EPS CAGR

10 Years14.09%
5 Years37.36%
3 Years26.09%
TTM16.08%

Return on Capital

10 Years3.97%
5 Years6%
3 Years7.42%
Last Year7.83%

IBN Recent Earnings

ICICI Bank Limited (IBN) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (90%)●Beat Revenue 8/12 qtrs (80%)
Q2 2026Latest
Apr 18, 2026
EPS
$0.41
Est $0.39
+5.1%
Revenue
$3.3B
Est $3.3B
-0.5%
Q1 2026
Jan 17, 2026
EPS
$0.35
Est $0.38
-7.9%
Revenue
$3.2B
Est $3.3B
-3.5%
Q4 2025
Oct 18, 2025
EPS
$0.39
Est $0.37
+5.4%
Revenue
$8.6B
Est $3.4B
+151.6%
Q3 2025
Jul 21, 2025
EPS
$0.44
Revenue
$8.7B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 18, 2026
$0.41vs $0.39+5.1%
$3.3Bvs $3.3B-0.5%
Q1 2026Jan 17, 2026
$0.35vs $0.38-7.9%
$3.2Bvs $3.3B-3.5%
Q4 2025Oct 18, 2025
$0.39vs $0.37+5.4%
$8.6Bvs $3.4B+151.6%
Q3 2025Jul 21, 2025
$0.44
$8.7B
Based on last 12 quarters of dataView full earnings history →

IBN Peer Comparison

ICICI Bank Limited (IBN) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
HDB logoHDBHDFC Bank LimitedDirect Competitor196.13B25.6317.5819.15%12.27%0.86
ITUB logoITUBItaú Unibanco Holding S.A.Direct Competitor93.13B8.4510.6218.03%20.64%4.71
BBD logoBBDBanco Bradesco S.A.Direct Competitor40.84B3.868.7037.11%13.25%4.46
KB logoKBKB Financial Group Inc.Direct Competitor39.33B110.8910.5634.2%9.59%
SHG logoSHGShinhan Financial Group Co., Ltd.Direct Competitor34.14B68.519.6112.42%8.48%2.77
BAC logoBACBank of America CorporationProduct Competitor407.94B53.6014.03-1.91%10.1%1.21
C logoCCitigroup Inc.Product Competitor222.93B127.5721.449.86%6.87%2.82
JPM logoJPMJPMorgan Chase & Co.Product Competitor849.03B314.9015.9414.61%16.11%2.18

Compare IBN vs Peers

ICICI Bank Limited (IBN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HDB

Most directly comparable listed peer for IBN.

Scale Benchmark

vs JPM

Larger-name benchmark to compare IBN against a more recognizable public peer.

Peer Set

Compare Top 5

vs HDB, ITUB, BBD, KB

IBN Income Statement

ICICI Bank Limited (IBN) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Net Interest Income261.04B279B328.04B401.7B465.04B542.4B705.23B854.08B973.03B998.33B
NII Growth %3.19%6.88%17.58%22.45%15.77%16.64%30.02%21.11%13.93%53.35%
Net Interest Margin %2.65%2.48%2.65%2.92%2.95%3.09%3.6%3.61%3.68%3.74%
Interest Income609.4B621.62B719.82B848.36B891.63B954.07B1.21T1.6T1.86T1.91T
Interest Expense348.36B342.62B391.78B446.66B426.59B411.67B505.43B741.08B890.27B909.95B
Loan Loss Provision190.51B198.52B221.81B223.77B220.42B174.34B55.48B9.64B49.06B54.12B
Non-Interest Income524.59B568.04B593.27B647.75B720.36B621.24B636.66B758.02B1.08T1.11T
Non-Interest Income %46.26%47.75%45.18%43.3%44.69%39.44%34.46%32.21%36.75%36.79%
Total Revenue
1.13T▲ 0%
1.19T▲ 4.9%
1.31T▲ 10.4%
1.5T▲ 13.9%
1.61T▲ 7.7%
1.58T▼ 2.3%
1.85T▲ 17.3%
2.35T▲ 27.4%
2.95T▲ 25.2%
3.02T▲ 0%
Revenue Growth %11.87%4.91%10.37%13.94%7.75%-2.28%17.27%27.38%25.19%83.63%
Non-Interest Expense481.71B557.53B642.61B713.43B761.34B723.92B813.86B987.38B1.28T1.3T
Efficiency Ratio42.48%46.86%48.94%47.69%47.23%45.95%44.06%41.96%43.38%43.03%
Operating Income
113.4B▲ 0%
91B▼ 19.8%
56.89B▼ 37.5%
112.25B▲ 97.3%
203.64B▲ 81.4%
265.38B▲ 30.3%
472.55B▲ 78.1%
615.08B▲ 30.2%
730.04B▲ 18.7%
755.92B▲ 0%
Operating Margin %10%7.65%4.33%7.5%12.63%16.85%25.58%26.14%24.78%25.04%
Operating Income Growth %3.78%-19.76%-37.48%97.31%81.41%30.32%78.06%30.16%18.69%-
Pretax Income
113.4B▲ 0%
91B▼ 19.8%
56.89B▼ 37.5%
112.25B▲ 97.3%
203.64B▲ 81.4%
265.38B▲ 30.3%
472.55B▲ 78.1%
615.08B▲ 30.2%
730.04B▲ 18.7%
757.43B▲ 0%
Pretax Margin %10%7.65%4.33%7.5%12.63%16.85%25.58%26.14%24.78%25.09%
Income Tax000000117.93B154.28B184.35B191.8B
Effective Tax Rate %0%0%0%0%0%0%24.96%25.08%25.25%25.32%
Net Income
101.88B▲ 0%
77.12B▼ 24.3%
42.54B▼ 44.8%
95.66B▲ 124.9%
183.84B▲ 92.2%
251.1B▲ 36.6%
340.37B▲ 35.5%
442.56B▲ 30.0%
510.29B▲ 15.3%
528.91B▲ 0%
Net Margin %8.98%6.48%3.24%6.39%11.4%15.94%18.42%18.81%17.32%17.52%
Net Income Growth %0.08%-24.3%-44.84%124.87%92.18%36.58%35.55%30.03%15.3%16.72%
Net Income (Continuing)113.4B91B56.89B112.25B203.64B265.38B354.61B460.81B545.69B565.63B
EPS (Diluted)
31.70▲ 0%
23.78▼ 25.0%
12.62▼ 46.9%
29.10▲ 130.6%
53.74▲ 84.7%
70.98▲ 32.1%
95.82▲ 35.0%
124.10▲ 29.5%
142.28▲ 14.6%
145.98▲ 0%
EPS Growth %0.13%-24.98%-46.93%130.59%84.67%32.08%35%29.51%14.65%16.08%
EPS (Basic)31.8424.0412.6229.6254.5272.4297.72126.38144.82-
Diluted Shares Outstanding3.37B3.37B3.37B3.37B3.42B3.54B3.55B3.57B3.59B3.62B

IBN Balance Sheet

ICICI Bank Limited (IBN) balance sheet — assets, liabilities & shareholders' equity

Line itemMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Cash & Short Term Investments1.06T1.18T1.18T1.6T1.82T2.14T1.64T1.9T2.38T7.72T
Cash & Due from Banks1.06T1.18T1.18T1.6T1.82T2.14T1.64T1.9T2.38T1.97T
Short Term Investments0000000000
Total Investments8.01T9.11T10.09T11.04T12.94T12.99T15.47T18.9T21.16T23.51T
Investments Growth %4.35%13.82%10.78%9.42%17.17%0.36%19.14%22.14%11.94%51.78%
Long-Term Investments8.01T9.11T10.09T11.04T12.94T12.99T15.47T18.9T21.16T89.49T
Accounts Receivables72.63B89.3B98.04B111.77B110.63B108.39B151.1B208.55B238.38B0
Goodwill & Intangibles00001.08B1.01B1.01B24.74B84.59B84.59B
Goodwill00001.08B1.01B1.01B24.74B84.59B84.59B
Intangible Assets0000000000
PP&E (Net)93.38B94.65B96.6B104.09B108.09B106.05B109.69B132.4B158.12B161.67B
Other Assets287.88B324.5B334.48B297.05B272B1.59T1.61T1.89T1.87T957.11B
Total Current Assets1.35T1.57T1.65T2.17T2.27T2.73T2.29T2.62T3.1T1.97T
Total Non-Current Assets8.51T9.68T10.74T11.61T13.47T14.8T17.29T21.02T23.33T24.72T
Total Assets
9.86T▲ 0%
11.24T▲ 14.1%
12.39T▲ 10.2%
13.77T▲ 11.2%
15.74T▲ 14.3%
17.53T▲ 11.4%
19.58T▲ 11.7%
23.64T▲ 20.7%
26.42T▲ 11.8%
26.69T▲ 0%
Asset Growth %7.29%14.06%10.19%11.18%14.27%11.36%11.75%20.71%11.77%55.7%
Return on Assets (ROA)1.07%0.73%0.36%0.73%1.25%1.51%1.83%2.05%2.04%1.98%
Accounts Payable35.01B35.9B36.65B30.71B24.83B27.52B33.39B38.99B42.15B0
Total Debt1.86T2.15T2.03T1.99T1.4T1.59T1.84T2.01T2.04T2.15T
Net Debt802.03B972.7B842.51B397.46B-412.7B-550.53B199.42B108.69B-346.55B183.28B
Long-Term Debt1.85T2.14T2.01T1.96T1.36T1.49T1.74T1.84T1.81T2.15T
Short-Term Debt12.07B12.9B19.1B32.37B42.19B90.35B98.02B172.96B226.22B0
Other Liabilities1.74T2.03T2.29T2.42T3T3.09T3.36T4.42T4.6T4.67T
Total Current Liabilities5.18T5.91T6.88T8.1T9.7T11.06T12.28T14.69T16.73T16.41T
Total Non-Current Liabilities3.59T4.17T4.3T4.38T4.36T4.58T5.1T6.25T6.41T6.82T
Total Liabilities8.76T10.08T11.18T12.48T14.07T15.65T17.37T20.94T23.13T23.23T
Total Equity
1.09T▲ 0%
1.17T▲ 6.5%
1.21T▲ 3.6%
1.3T▲ 7.4%
1.67T▲ 28.8%
1.88T▲ 12.5%
2.21T▲ 17.6%
2.7T▲ 22.1%
3.29T▲ 21.7%
3.45T▲ 0%
Equity Growth %12.34%6.52%3.6%7.38%28.84%12.48%17.63%22.08%21.74%88.44%
Equity / Assets (Capital Ratio)11.11%10.37%9.75%9.42%10.62%10.73%11.29%11.42%12.44%12.94%
Return on Equity (ROE)9.85%6.82%3.58%7.64%12.38%14.14%16.63%18.02%17.04%15.31%
Book Value per Share324.76345.93358.38384.84488.69531.47622.62757.22916.60953.41
Tangible BV per Share324.76345.93358.38384.84488.37531.19622.33750.28893.02930.06
Common Stock11.65B12.86B12.89B12.95B13.83B13.9B13.97B14.05B14.25B14.27B
Additional Paid-in Capital0000000000
Retained Earnings0000000000
Accumulated OCI1.03T1.09T1.13T1.22T1.56T1.8T2.12T2.53T3.1T3.26T
Treasury Stock0000000000
Preferred Stock0000000000

IBN Cash Flow Statement

ICICI Bank Limited (IBN) cash flow — operating, investing & free cash flow history

Line itemMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Cash from Operations376.5B299.35B465.98B654.83B1.38T795.97B577.21B1.57T822.2B822.2B
Operating CF Growth %35.87%-20.49%55.66%40.53%110.77%-42.33%-27.48%172.49%-47.73%0%
Net Income98.58B77.83B42.09B102.91B240.49B255.39B347.82B596.84B516.28B528.91B
Depreciation & Amortization000014.71B0019.96B00
Deferred Taxes0000000000
Other Non-Cash Items72.89B124.81B143.72B233.8B104.97B157.49B115.28B-87.33B78.49B-528.6B
Working Capital Changes205.04B96.7B280.18B318.12B1.02T383.09B114.11B1.04T227.42B0
Cash from Investing-477.9B-1.35T-1.23T-1.54T-629.87B-1.94T-2.53T-1.46T-2.37T0
Purchase of Investments-66.87B-648.89B-287.35B-774.45B0-551.75B-834.42B0-734.35B0
Sale/Maturity of Investments001000K000001000K0
Net Investment Activity-66.87B-648.89B-287.35B-774.45B0-551.75B-834.42B0-734.35B0
Acquisitions151.26M268.28M463.82M274.72M01.19B2.94B0653.7M0
Other Investing-398.43B-693.86B-962.58B-744.88B-612.99B-1.37T-1.67T-1.42T-1.66T0
Cash from Financing251.95B1.14T747.16B1.32T-546.67B1.51T1.47T137.65B2.06T0
Dividends Paid-33.12B-17.32B-11.56B-9.54B0-14.09B-35.56B-55.99B-71.24B0
Share Repurchases0000000000
Stock Issued1.72B3.98B3.45B5.91B154.6B8.12B9.63B11.71B14.54B0
Net Stock Activity1.72B3.98B3.45B5.91B154.6B8.12B9.63B11.71B14.54B0
Debt Issuance (Net)-1000K1000K-1000K1000K-1000K1000K1000K1000K1000K0
Other Financing595.13B738.85B945B1.29T01.34T1.22T02T0
Net Change in Cash
0▲ 0%
0▲ 0%
0▲ 0%
0▲ 0%
197.18B▲ 0%
0▼ 100.0%
0▲ 0%
263.12B▲ 0%
0▼ 100.0%
0▲ 0%
Exchange Rate Effect-1000K-1000K1000K-1000K-1000K-1000K1000K1000K-1000K0
Cash at Beginning00001.28T001.36T00
Cash at End00001.48T001.63T00
Interest Paid0000000000
Income Taxes Paid0000000000
Free Cash Flow
363.76B▲ 0%
288.84B▼ 20.6%
454.62B▲ 57.4%
634.67B▲ 39.6%
1.36T▲ 114.8%
777.05B▼ 43.0%
552B▼ 29.0%
1.54T▲ 178.3%
773.94B▼ 49.6%
0▲ 0%
FCF Growth %35.47%-20.6%57.4%39.6%114.8%-43%-28.96%178.27%-49.62%-

IBN Banking Ratios

ICICI Bank Limited (IBN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Return on Equity (ROE)9.85%6.82%3.58%7.64%12.38%14.14%16.63%18.02%17.04%15.31%
Return on Assets (ROA)1.07%0.73%0.36%0.73%1.25%1.51%1.83%2.05%2.04%1.98%
Net Interest Margin2.65%2.48%2.65%2.92%2.95%3.09%3.6%3.61%3.68%3.74%
Efficiency Ratio42.48%46.86%48.94%47.69%47.23%45.95%44.06%41.96%43.38%43.03%
Equity / Assets11.11%10.37%9.75%9.42%10.62%10.73%11.29%11.42%12.44%12.94%
Book Value / Share324.76345.93358.38384.84488.69531.47622.62757.22916.6953.41
NII Growth3.19%6.88%17.58%22.45%15.77%16.64%30.02%21.11%13.93%13.28%
Dividend Payout32.51%22.46%27.18%9.97%-5.61%10.45%12.65%13.96%0%

IBN Frequently Asked Questions

ICICI Bank Limited (IBN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

ICICI Bank Limited (IBN) grew revenue by 25.2% over the past year. This is strong growth.

Yes, ICICI Bank Limited (IBN) is profitable, generating $528.91B in net income for fiscal year 2025 (17.3% net margin).

Dividend & Returns

Yes, ICICI Bank Limited (IBN) pays a dividend with a yield of 0.78%. This makes it attractive for income-focused investors.

ICICI Bank Limited (IBN) has a return on equity (ROE) of 17.0%. This is reasonable for most industries.

Industry Metrics

ICICI Bank Limited (IBN) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.

ICICI Bank Limited (IBN) has an efficiency ratio of 43.4%. This is excellent, indicating strong cost control.

Explore More IBN

ICICI Bank Limited (IBN) financial analysis — history, returns, DCA and operating performance tools

Full IBN Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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