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Upturn AI SWOT - About
IBN 
ICICI Bank Limited (IBN)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/29/2025: IBN (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $40.75
1 Year Target Price $40.75
| 3 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.35% | Avg. Invested days 61 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 113.97B USD | Price to earnings Ratio 18.89 | 1Y Target Price 40.75 |
Price to earnings Ratio 18.89 | 1Y Target Price 40.75 | ||
Volume (30-day avg) 4 | Beta 0.49 | 52 Weeks Range 27.20 - 34.30 | Updated Date 08/30/2025 |
52 Weeks Range 27.20 - 34.30 | Updated Date 08/30/2025 | ||
Dividends yield (FY) 0.81% | Basic EPS (TTM) 1.68 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.74% | Operating Margin (TTM) 39.25% |
Management Effectiveness
Return on Assets (TTM) 2.23% | Return on Equity (TTM) 17.88% |
Valuation
Trailing PE 18.89 | Forward PE 19.49 | Enterprise Value 567930388480 | Price to Sales(TTM) 0.06 |
Enterprise Value 567930388480 | Price to Sales(TTM) 0.06 | ||
Enterprise Value to Revenue 5.87 | Enterprise Value to EBITDA - | Shares Outstanding 3570459904 | Shares Floating 7108624528 |
Shares Outstanding 3570459904 | Shares Floating 7108624528 | ||
Percent Insiders 0.22 | Percent Institutions 18.87 |
Upturn AI SWOT
ICICI Bank Limited
Company Overview
History and Background
ICICI Bank Limited was founded in 1994 as Industrial Credit and Investment Corporation of India Bank, a part of the ICICI Group established in 1955. It transformed from a development finance institution to a full-fledged commercial bank, focusing on technology-driven banking services and expanding its global presence.
Core Business Areas
- Retail Banking: Offers a range of products including current accounts, savings accounts, credit cards, personal loans, home loans, and wealth management services.
- Corporate Banking: Provides services such as working capital finance, term loans, trade finance, cash management, and treasury services to corporations.
- International Banking: Offers services like foreign currency loans, export financing, and remittance services through its international branches.
- Insurance: ICICI Bank sells insurance plans from ICICI Prudential Life Insurance and ICICI Lombard General Insurance.
Leadership and Structure
The key leadership includes the Managing Director & CEO and the Board of Directors. The organizational structure is hierarchical, with various departments and branches reporting to the corporate headquarters.
Top Products and Market Share
Key Offerings
- Competitors: HDB,SBI,AXISBANK.NS
- Savings Accounts: Offers various savings account options. Market share in India around 7% of total savings accounts; competes with HDFC Bank, SBI, and Axis Bank.
- Competitors: HDFC,LICHF.NS,SBI
- Home Loans: Provides housing loans to individuals. Market share in India approximately 6%; faces competition from HDFC, LIC Housing Finance, and SBI.
- Competitors: HDB,SBICARD.NS,AXISBANK.NS
- Credit Cards: Offers a range of credit cards with varying features and benefits. Market share in India around 10%; competes with HDFC Bank, SBI Card, and Axis Bank.
- Competitors: HDB,SBI,AXISBANK.NS
- Corporate Loans: Offers term loans, working capital, and other credit facilities to businesses. Competes with HDFC Bank, SBI, and Axis Bank.
Market Dynamics
Industry Overview
The Indian banking sector is undergoing rapid growth driven by increased financial inclusion, technological advancements, and a growing economy. The sector is also facing challenges such as rising NPAs and regulatory compliance.
Positioning
ICICI Bank is one of the leading private sector banks in India, known for its technology adoption and customer-centric approach. It aims to expand its digital banking services and increase its market share.
Total Addressable Market (TAM)
The Indian banking TAM is estimated at over $500 billion. ICICI Bank is well-positioned to capture a significant portion of this market through its diverse product offerings and extensive branch network.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Extensive branch network
- Advanced technology infrastructure
- Diversified product portfolio
- Strong presence in both retail and corporate banking
Weaknesses
- Higher cost-to-income ratio compared to some competitors
- Asset quality concerns due to NPAs
- Reliance on certain sectors for loan growth
- Cybersecurity vulnerabilities
Opportunities
- Expansion into rural markets
- Increasing penetration of digital banking
- Growth in wealth management services
- Strategic alliances with fintech companies
- Capitalizing on government initiatives like 'Digital India'
Threats
- Increasing competition from other banks and fintech companies
- Rising interest rates
- Economic slowdown
- Regulatory changes
- Geopolitical risks
Competitors and Market Share
Key Competitors
- HDB
- SBI
- AXISBANK.NS
Competitive Landscape
ICICI Bank has a strong competitive position due to its brand recognition, extensive network, and technology leadership. It faces competition from both public and private sector banks.
Major Acquisitions
Bank of Rajasthan
- Year: 2010
- Acquisition Price (USD millions): 3000
- Strategic Rationale: Expanded ICICI Bank's branch network and customer base, particularly in northern India.
Growth Trajectory and Initiatives
Historical Growth: ICICI Bank has experienced strong growth in both assets and profitability over the past decade, driven by its focus on retail banking and digital transformation.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion in new markets and increased adoption of digital banking services. Revenue growth forecast at 12% annually for the next 3 years.
Recent Initiatives: Recent initiatives include launching new digital banking platforms, expanding into rural markets, and strengthening its corporate banking franchise.
Summary
ICICI Bank is a strong player in the Indian banking sector, characterized by robust growth, a strong brand, and technological innovation. Its asset quality issues, however, are an area of concern, and heightened competition poses a potential threat. The bank's focus on digital transformation and expansion into new markets are key to its future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- ICICI Bank Annual Reports
- Analyst Reports (Bloomberg, Reuters)
- Company Website
- Reserve Bank of India (RBI) data
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on your own research and consultation with a financial advisor. Market data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About ICICI Bank Limited
Exchange NYSE | Headquaters - | ||
IPO Launch date 1999-09-22 | MD, CEO & Executive Director Mr. Sandeep Bakhshi B.E. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 182665 | Website https://www.icicibank.com |
Full time employees 182665 | Website https://www.icicibank.com | ||
ICICI 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, General Insurance, and Others segments. It offers savings, salary, pension, current, trade, escrow, foreign currency, and vostro accounts, as well as time, fixed, recurring, and security deposits. The company also provides home, car, two-wheeler, personal, education, gold, and commercial business loans, as well as loans against securities, shares, mutual funds, and property; 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; general, life health, personal accident, fire, travel, and motor 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.
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