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$27.94$101.2B
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IBN logoICICI Bank Limited(IBN)Earnings, Financials & Key Ratios

IBN•NYSE•Banking & Credit
18.5× P/E·Price updated Jun 19, 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%

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.

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IBN Price & Volume

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

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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
Metric
Actual
Est
EPS
$0.41+5.1%
$0.39
Rev
$3.3B-0.5%
$3.3B
Q1 2026
Jan 17, 2026
Metric
Actual
Est
EPS
$0.35-7.9%
$0.38
Rev
$3.2B-3.5%
$3.3B
Q4 2025
Oct 18, 2025
Metric
Actual
Est
EPS
$0.39+5.4%
$0.37
Rev
$8.6B+151.6%
$3.4B
Q3 2025
Jul 21, 2025
Metric
Actual
Est
EPS
$0.44
—
Rev
$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
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
HDB logoHDBHDFC Bank LimitedDirect Competitor128.54B25.0617.0319.15%15.89%11.11%0.86
ITUB logoITUBItaú Unibanco Holding S.A.Direct Competitor85.86B7.7910.1518.03%11.66%20.64%4.71
BBD logoBBDBanco Bradesco S.A.Direct Competitor35.54B3.367.8637.11%6.78%13.25%4.46
KB logoKBKB Financial Group Inc.Direct Competitor37.87B106.7710.6934.2%11.53%9.59%
SHG logoSHGShinhan Financial Group Co., Ltd.Direct Competitor31.5B66.6510.39-1.95%14.67%8.59%2.77
BAC logoBACBank of America CorporationProduct Competitor424.14B56.2014.71-0.45%15.93%10.15%1.21
C logoCCitigroup Inc.Product Competitor266.52B143.0920.47-1.41%8.48%6.67%3.35
JPM logoJPMJPMorgan Chase & Co.Product Competitor908.57B325.2216.223.31%20.35%15.95%2.60

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
MetricMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Net Interest Income
261.04B279B328.04B401.7B465.04B542.4B705.23B854.08B973.03B998.33B
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 Income
609.4B621.62B719.82B848.36B891.63B954.07B1.21T1.6T1.86T1.91T
Interest Expense
348.36B342.62B391.78B446.66B426.59B411.67B505.43B741.08B890.27B909.95B
Loan Loss Provision
190.51B198.52B221.81B223.77B220.42B174.34B55.48B9.64B49.06B54.12B
Non-Interest Income
524.59B568.04B593.27B647.75B720.36B621.24B636.66B758.02B1.08T1.11T
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 Expense
481.71B557.53B642.61B713.43B761.34B723.92B813.86B987.38B1.28T1.3T
Efficiency Ratio
42.48%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 Tax
000000117.93B154.28B184.35B191.8B
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 Outstanding
3.37B3.37B3.37B3.37B3.42B3.54B3.55B3.57B3.59B3.62B

IBN Balance Sheet

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

MetricMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Cash & Short Term Investments
1.06T1.18T1.18T1.6T1.82T2.14T1.64T1.9T2.38T7.72T
Cash & Due from Banks
1.06T1.18T1.18T1.6T1.82T2.14T1.64T1.9T2.38T1.97T
Short Term Investments
0000000000
Total Investments
8.01T9.11T10.09T11.04T12.94T12.99T15.47T18.9T21.16T23.51T
Investments Growth %
4.35%13.82%10.78%9.42%17.17%0.36%19.14%22.14%11.94%51.78%
Long-Term Investments
8.01T9.11T10.09T11.04T12.94T12.99T15.47T18.9T21.16T89.49T
Accounts Receivables
72.63B89.3B98.04B111.77B110.63B108.39B151.1B208.55B238.38B0
Goodwill & Intangibles
00001.08B1.01B1.01B24.74B84.59B84.59B
Goodwill
00001.08B1.01B1.01B24.74B84.59B84.59B
Intangible Assets
0000000000
PP&E (Net)
93.38B94.65B96.6B104.09B108.09B106.05B109.69B132.4B158.12B161.67B
Other Assets
287.88B324.5B334.48B297.05B272B1.59T1.61T1.89T1.87T957.11B
Total Current Assets
1.35T1.57T1.65T2.17T2.27T2.73T2.29T2.62T3.1T1.97T
Total Non-Current Assets
8.51T9.68T10.74T11.61T13.47T14.8T17.29T21.02T23.33T24.72T
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%2.04%
Accounts Payable
35.01B35.9B36.65B30.71B24.83B27.52B33.39B38.99B42.15B0
Total Debt
1.86T2.15T2.03T1.99T1.4T1.59T1.84T2.01T2.04T2.15T
Net Debt
802.03B972.7B842.51B397.46B-412.7B-550.53B199.42B108.69B-346.55B183.28B
Long-Term Debt
1.85T2.14T2.01T1.96T1.36T1.49T1.74T1.84T1.81T2.15T
Short-Term Debt
12.07B12.9B19.1B32.37B42.19B90.35B98.02B172.96B226.22B0
Other Liabilities
1.74T2.03T2.29T2.42T3T3.09T3.36T4.42T4.6T4.67T
Total Current Liabilities
5.18T5.91T6.88T8.1T9.7T11.06T12.28T14.69T16.73T16.41T
Total Non-Current Liabilities
3.59T4.17T4.3T4.38T4.36T4.58T5.1T6.25T6.41T6.82T
Total Liabilities
8.76T10.08T11.18T12.48T14.07T15.65T17.37T20.94T23.13T23.23T
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%16.55%
Book Value per Share
324.76345.93358.38384.84488.69531.47622.62757.22916.60953.41
Tangible BV per Share
324.76345.93358.38384.84488.37531.19622.33750.28893.02930.06
Common Stock
11.65B12.86B12.89B12.95B13.83B13.9B13.97B14.05B14.25B14.27B
Additional Paid-in Capital
0000000000
Retained Earnings
0000000000
Accumulated OCI
1.03T1.09T1.13T1.22T1.56T1.8T2.12T2.53T3.1T3.26T
Treasury Stock
0000000000
Preferred Stock
0000000000

IBN Cash Flow Statement

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

MetricMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Cash from Operations
376.5B299.35B465.98B654.83B1.38T795.97B577.21B1.57T822.2B0
Operating CF Growth %
35.87%-20.49%55.66%40.53%110.77%-42.33%-27.48%172.49%-47.73%0%
Net Income
98.58B77.83B42.09B102.91B240.49B255.39B347.82B596.84B516.28B528.91B
Depreciation & Amortization
000014.71B0019.96B00
Deferred Taxes
0000000000
Other Non-Cash Items
72.89B124.81B143.72B233.8B104.97B157.49B115.28B-87.33B78.49B-528.6B
Working Capital Changes
205.04B96.7B280.18B318.12B1.02T383.09B114.11B1.04T227.42B0
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 Investments
0033.11B0000075.89B0
Net Investment Activity
-66.87B-648.89B-254.25B-774.45B0-551.75B-834.42B0-658.45B0
Acquisitions
151.26M268.28M463.82M274.72M01.19B2.94B0653.7M0
Other Investing
-398.43B-693.86B-962.58B-744.88B-612.99B-1.37T-1.67T-1.42T-1.66T0
Cash from Financing
251.95B1.14T747.16B1.32T-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 Repurchases
0000000000
Stock Issued
1.72B3.98B3.45B5.91B154.6B8.12B9.63B11.71B14.54B0
Net Stock Activity
1.72B3.98B3.45B5.91B154.6B8.12B9.63B11.71B14.54B0
Debt Issuance (Net)
-1000K1000K-1000K1000K-1000K1000K1000K1000K1000K0
Other Financing
595.13B738.85B945B1.29T01.34T1.22T02T0
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
-150.55B-85.64B14.58B-432.97B-6.44B-368.61B480.15B11.95B-517.06B0
Cash at Beginning
00001.28T001.36T00
Cash at End
00001.48T001.63T00
Interest Paid
0000000000
Income Taxes Paid
0000000000
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%16.55%
Return on Assets (ROA)
1.07%0.73%0.36%0.73%1.25%1.51%1.83%2.05%2.04%2.04%
Net Interest Margin
2.65%2.48%2.65%2.92%2.95%3.09%3.6%3.61%3.68%3.74%
Efficiency Ratio
42.48%46.86%48.94%47.69%47.23%45.95%44.06%41.96%43.38%43.03%
Equity / Assets
11.11%10.37%9.75%9.42%10.62%10.73%11.29%11.42%12.44%12.94%
Book Value / Share
324.76345.93358.38384.84488.69531.47622.62757.22916.6953.41
NII Growth
3.19%6.88%17.58%22.45%15.77%16.64%30.02%21.11%13.93%13.28%
Dividend Payout
32.51%22.46%27.18%9.97%-5.61%10.45%12.65%13.96%0%
Related:IBN Dividend History·IBN Revenue History·IBN Price History·IBN P/E History·IBN Financial Ratios·IBN Institutional Holders

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 0.75%. 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.

What if you invested $1,000 in IBN back in 1999?

Total return calculator · dividends reinvested · 27+ years of data

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How much would $100/month in IBN be worth today?

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