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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
10/21/2025: IBN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $40.05
1 Year Target Price $40.05
| 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 10/21/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 116.65B USD | Price to earnings Ratio 18.56 | 1Y Target Price 40.05 |
Price to earnings Ratio 18.56 | 1Y Target Price 40.05 | ||
Volume (30-day avg) 4 | Beta 0.41 | 52 Weeks Range 27.20 - 34.30 | Updated Date 10/21/2025 |
52 Weeks Range 27.20 - 34.30 | Updated Date 10/21/2025 | ||
Dividends yield (FY) 0.83% | Basic EPS (TTM) 1.67 |
Earnings Date
Report Date 2025-10-25 | When After Market | Estimate 0.36 | Actual 0.3877 |
Profitability
Profit Margin 27.92% | Operating Margin (TTM) 35.82% |
Management Effectiveness
Return on Assets (TTM) 2.19% | Return on Equity (TTM) 17.6% |
Valuation
Trailing PE 18.56 | Forward PE 19.08 | Enterprise Value 860583952384 | Price to Sales(TTM) 0.06 |
Enterprise Value 860583952384 | Price to Sales(TTM) 0.06 | ||
Enterprise Value to Revenue 5.78 | Enterprise Value to EBITDA - | Shares Outstanding 3572455409 | Shares Floating 7118385873 |
Shares Outstanding 3572455409 | Shares Floating 7118385873 | ||
Percent Insiders 0.22 | Percent Institutions 18.78 |
Upturn AI SWOT
ICICI Bank Limited
Company Overview
History and Background
ICICI Bank Limited was originally founded as the Industrial Credit and Investment Corporation of India (ICICI) in 1955. In 1994, ICICI Bank was established. It evolved from a development finance institution to a diversified financial services provider.
Core Business Areas
- Retail Banking: Offers a wide range of products and services to individuals, including deposits, loans, credit cards, and wealth management.
- Corporate Banking: Provides financial solutions to businesses, including working capital finance, term loans, and trade finance.
- International Banking: Offers services to international clients, including trade finance, foreign exchange, and offshore banking.
- Treasury: Manages the bank's investments and liquidity, and deals in foreign exchange and money markets.
- Insurance: ICICI Prudential Life Insurance and ICICI Lombard General Insurance are subsidiaries that provide life and general insurance products.
Leadership and Structure
The leadership team includes the Managing Director & CEO. The organizational structure is comprised of various departments, including retail banking, corporate banking, and international banking, overseen by senior management.
Top Products and Market Share
Key Offerings
- Deposits: ICICI Bank offers a variety of deposit accounts, including savings, current, and fixed deposit accounts. Market share data is not publicly available in a readily parsable form, but ICICI Bank is a major player in the deposit market in India. Competitors: HDFC Bank, State Bank of India, Axis Bank.
- Market Share:
- Loans: Provides various loans, including home loans, auto loans, personal loans, and business loans. Competitors: HDFC Bank, State Bank of India, Axis Bank, Bajaj Finance.
- Market Share:
- Credit Cards: Offers a range of credit cards with different features and benefits. Competitors: HDFC Bank, SBI Card, Axis Bank.
- Market Share:
- Digital Banking: Comprehensive digital banking platform including mobile app and internet banking. Number of digital customers in millions. Competitors: HDFC Bank, PhonePe, Google Pay, Paytm.
- Market Share:
Market Dynamics
Industry Overview
The Indian banking industry is undergoing rapid transformation driven by technological advancements, increasing competition, and regulatory changes. There is a growing focus on digital banking and financial inclusion.
Positioning
ICICI Bank is one of the leading private sector banks in India, known for its technological innovation and customer-centric approach. It has a strong presence in both retail and corporate banking.
Total Addressable Market (TAM)
The TAM for the Indian banking sector is estimated to be in the trillions of USD, encompassing lending, deposits, and investment services. ICICI Bank is positioned to capture a significant portion of this TAM through its diversified product portfolio and strong brand.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Extensive Branch Network
- Advanced Technology Platform
- Diversified Product Portfolio
- Experienced Management Team
Weaknesses
- Higher Operating Costs Compared to Some Peers
- Asset Quality Concerns in Specific Sectors
- Dependence on Indian Market
- Relatively Lower Rural Penetration
Opportunities
- Growing Demand for Digital Banking
- Increasing Financial Inclusion
- Expanding into New Markets and Segments
- Partnerships with Fintech Companies
- Government Initiatives Promoting Financial Growth
Threats
- Increasing Competition from Other Banks and Fintech Companies
- Economic Slowdown
- Regulatory Changes
- Cybersecurity Risks
- Fluctuations in Interest Rates
Competitors and Market Share
Key Competitors
- HDB
- SBI.NS
- AXISBANK.NS
Competitive Landscape
ICICI Bank has a strong competitive position due to its advanced technology platform and customer-centric approach. It faces competition from other private sector banks, public sector banks, and fintech companies.
Major Acquisitions
Bank of Rajasthan
- Year: 2010
- Acquisition Price (USD millions): 443
- Strategic Rationale: Expanded ICICI Bank's branch network and customer base, particularly in North and West India.
Growth Trajectory and Initiatives
Historical Growth: ICICI Bank has experienced significant growth in recent years, driven by its focus on digital banking and expanding its customer base.
Future Projections: Analysts expect ICICI Bank to continue its growth trajectory, driven by increasing demand for financial services in India and its strong competitive position.
Recent Initiatives: Recent strategic initiatives include expanding its digital banking platform, investing in technology, and focusing on customer acquisition.
Summary
ICICI Bank is a strong player in the Indian banking sector with a diversified product portfolio and a focus on digital banking. Its strengths include a strong brand, extensive branch network, and advanced technology platform. Potential challenges include increasing competition and economic slowdown, but ICICI is well-positioned for future growth by expanding digital platforms.
Peer Comparison
Sources and Disclaimers
Data Sources:
- ICICI Bank Annual Reports
- Analyst Reports
- Industry Publications
Disclaimers:
The data provided is based on available information and estimates. Market share data is approximate and may vary. Financial data should be independently verified.
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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