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ICICI Bank Ltd
ICICIBANK · Banking · Private Sector Bank · Cap: ₹8,50,000 Cr
₹1,210.00
+1.1% today
LYNCH Research Score
89 / 100
#1 High Priority
Valuation Assessment
Fair
P/E: 17.1x · P/B: 3.1x
Portfolio Holding Context
0% Weight
Not held in demo portfolio
Fundamental Analysis
ROE (Return on Equity)
18.9%
High return on equity base
ROCE
17.2%
Superior capital efficiency
Revenue Growth
17.8%
Consistent top-line momentum
Operating Margin
41.2%
High operating leverage
Debt to Equity
1.08
Conservative balance sheet
FCF Yield
N/A
Cash generation profile
Valuation & Signals
Valuation Ratios
Valued at a premium to HDFC Bank due to superior current NIMs and asset quality metrics.
LYNCH Signals
Potential Catalysts & Risks
Potential Catalysts
- ✓Industry-leading NIM of 4.3% with low credit costs
- ✓Digital banking adoption via iMobile Pay
- ✓Strong SME and retail loan book expansion
Key Downside Risks
- ⚠Macro interest rate cuts compressing yield on advances
- ⚠Increased regulatory risk weights on personal loans
Research Scenarios
Bull Case
ROA stays above 2.2% with credit costs below 50 bps, driving total return compounding of 20%+.
Bear Case
Unsecured loan portfolio slippages increase credit provisioning costs.