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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
07/02/2025: IBN (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $40.17
1 Year Target Price $40.17
| 3 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 9.26% | Avg. Invested days 58 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 119.95B USD | Price to earnings Ratio 20.25 | 1Y Target Price 40.17 |
Price to earnings Ratio 20.25 | 1Y Target Price 40.17 | ||
Volume (30-day avg) 4 | Beta 0.47 | 52 Weeks Range 27.03 - 34.50 | Updated Date 07/2/2025 |
52 Weeks Range 27.03 - 34.50 | Updated Date 07/2/2025 | ||
Dividends yield (FY) 0.71% | Basic EPS (TTM) 1.66 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.43% | Operating Margin (TTM) 34.28% |
Management Effectiveness
Return on Assets (TTM) 2.18% | Return on Equity (TTM) 18.23% |
Valuation
Trailing PE 20.25 | Forward PE 20.28 | Enterprise Value 436584906752 | Price to Sales(TTM) 0.06 |
Enterprise Value 436584906752 | Price to Sales(TTM) 0.06 | ||
Enterprise Value to Revenue 6.04 | Enterprise Value to EBITDA - | Shares Outstanding 3567770112 | Shares Floating 7095077840 |
Shares Outstanding 3567770112 | Shares Floating 7095077840 | ||
Percent Insiders 0.18 | Percent Institutions 19.04 |
Upturn AI SWOT
ICICI Bank Limited
Company Overview
History and Background
ICICI Bank Limited, originally known as the Industrial Credit and Investment Corporation of India, was founded in 1955. It was established as a development finance institution to provide medium-term and long-term project financing to Indian businesses. In 1994, ICICI converted into a commercial bank, focusing on retail and corporate banking services.
Core Business Areas
- Retail Banking: Offers a wide range of products including deposit accounts, credit cards, personal loans, home loans, auto loans, and wealth management services.
- Corporate Banking: Provides financial solutions to corporations, including term loans, working capital finance, trade finance, and investment banking services.
- International Banking: Offers services to businesses and individuals engaged in international trade and finance, including foreign currency accounts and remittances.
- Treasury: Manages the bank's investment portfolio and liquidity.
Leadership and Structure
The leadership team includes the CEO, Managing Director, and board of directors. The organizational structure is hierarchical, with various departments responsible for different aspects of the bank's operations.
Top Products and Market Share
Key Offerings
- Savings Accounts: Offer various savings accounts with different interest rates and features. ICICI Bank is a major player in the Indian savings accounts market. Competitors include HDFC Bank, State Bank of India, and Axis Bank. Market share for savings accounts is highly fragmented and varies by region.
- Credit Cards: Offers a variety of credit cards with rewards programs and other benefits. ICICI Bank is among the top credit card issuers in India. Competitors include HDFC Bank, SBI Card, and Axis Bank. ICICI bank is one of the top credit card companies in India.
- Home Loans: Provides home loans with competitive interest rates and flexible repayment options. ICICI Bank is a significant player in the home loan market in India. Competitors include HDFC Ltd., SBI, and LIC Housing Finance.
Market Dynamics
Industry Overview
The Indian banking industry is experiencing growth driven by increasing financial inclusion, rising disposable incomes, and technological advancements. The industry is competitive, with public sector banks, private sector banks, and foreign banks vying for market share.
Positioning
ICICI Bank is a leading private sector bank in India, known for its technology-driven approach and wide range of financial products and services. Its competitive advantages include its strong brand reputation, extensive branch network, and online banking capabilities.
Total Addressable Market (TAM)
The Indian banking sector TAM is estimated to be in the trillions of USD. ICICI Bank is well positioned to capture a significant portion of this TAM due to its strong market presence and diverse product portfolio.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Extensive branch network and ATM network
- Advanced technology platform
- Diverse product portfolio
- Strong asset quality
Weaknesses
- Higher cost of funds compared to public sector banks
- Exposure to certain sectors with higher credit risk
- Competition from fintech companies
- Dependence on specific regions for growth
- Stiff competition
Opportunities
- Expanding into rural markets
- Increasing digital banking adoption
- Growing demand for financial services from SMEs
- Strategic alliances with fintech companies
- Growing economy
Threats
- Increasing competition from other banks and fintech companies
- Cybersecurity risks
- Regulatory changes
- Economic slowdown
- Global events
Competitors and Market Share
Key Competitors
- HDB
- ITUB
- SAN
Competitive Landscape
ICICI Bank competes with other major banks based on product offerings, interest rates, service quality, and digital capabilities. It differentiates itself through technology and customer service.
Major Acquisitions
Bank of Rajasthan
- Year: 2010
- Acquisition Price (USD millions): 240
- Strategic Rationale: Expanded ICICI Bank's branch network and customer base, particularly in North India.
Growth Trajectory and Initiatives
Historical Growth: Discuss ICICI Bank Limited's growth trends over the past years.
Future Projections: Provide projections for ICICI Bank Limited's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by ICICI Bank Limited.
Summary
ICICI Bank is a major player in the Indian banking sector with a strong brand and extensive network. It is benefiting from increasing financial inclusion and digitalization. Key challenges include competition and regulatory changes, but its initiatives and growth strategies position it for continued success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- ICICI Bank Annual Reports
- Financial News Outlets
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Actual results may vary.
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 - | Website https://www.icicibank.com |
Full time employees - | 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, 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.
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