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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
08/13/2025: 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 $40.5
1 Year Target Price $40.5
| 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 08/13/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 116.23B USD | Price to earnings Ratio 19.38 | 1Y Target Price 40.5 |
Price to earnings Ratio 19.38 | 1Y Target Price 40.5 | ||
Volume (30-day avg) 4 | Beta 0.49 | 52 Weeks Range 27.20 - 34.30 | Updated Date 08/13/2025 |
52 Weeks Range 27.20 - 34.30 | Updated Date 08/13/2025 | ||
Dividends yield (FY) 0.79% | Basic EPS (TTM) 1.68 |
Earnings Date
Report Date 2025-07-25 | When Before Market | Estimate 0.3854 | Actual 0.4094 |
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 19.38 | Forward PE 19.88 | Enterprise Value 573782425600 | Price to Sales(TTM) 0.06 |
Enterprise Value 573782425600 | Price to Sales(TTM) 0.06 | ||
Enterprise Value to Revenue 5.95 | Enterprise Value to EBITDA - | Shares Outstanding 3569619968 | Shares Floating 7108624528 |
Shares Outstanding 3569619968 | Shares Floating 7108624528 | ||
Percent Insiders 0.22 | Percent Institutions 19.12 |
Upturn AI SWOT
ICICI Bank Limited
Company Overview
History and Background
ICICI Bank Limited was originally promoted in 1994 by ICICI, an Indian financial institution, as a diversified financial services provider. It later merged with ICICI in 2002. Key milestones include expansion into retail banking and international markets.
Core Business Areas
- Retail Banking: Offers a wide range of products including savings accounts, loans, credit cards, and investment products to individual customers.
- Corporate Banking: Provides banking solutions to large corporations, including working capital finance, term loans, and trade finance services.
- International Banking: Offers banking services to international clients, including trade finance, foreign exchange, and offshore banking solutions.
- Treasury: Manages the bank's investment portfolio, including trading in bonds, equities, and foreign exchange.
Leadership and Structure
The leadership team includes the CEO, CFO, and various executive directors responsible for different business segments. The organizational structure is based on functional departments and business units.
Top Products and Market Share
Key Offerings
- Savings Accounts: A fundamental banking product, it provides a safe place for customers to deposit and earn interest on their money. ICICI Bank's market share in savings accounts is substantial. Competitors include HDFC Bank, SBI, Axis Bank.
- Personal Loans: Unsecured loans offered to individuals for various purposes. ICICI bank is a large provider of personal loans. Competitors include HDFC Bank, SBI, Axis Bank, Bajaj Finserv.
- Credit Cards: Credit cards are offered to customers for purchases. ICICI is a large issuer of Credit Cards in India. Competitors include HDFC Bank, SBI Card, Axis Bank.
Market Dynamics
Industry Overview
The Indian banking industry is undergoing digital transformation and facing increased competition. FinTech companies are also disrupting the market.
Positioning
ICICI Bank is a leading private sector bank in India. It differentiates itself through technology-driven solutions and a wide range of financial products.
Total Addressable Market (TAM)
The TAM for banking services in India is estimated to be worth trillions of USD. ICICI Bank is well-positioned to capture a significant share of this market due to its strong brand and widespread network.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Wide branch network
- Advanced technology platform
- Diversified product portfolio
- Experienced management team
Weaknesses
- Higher cost-to-income ratio compared to some competitors
- Asset quality concerns in certain sectors
- Dependence on the Indian market
Opportunities
- Growing demand for digital banking services
- Expansion into new markets and segments
- Partnerships with FinTech companies
- Increasing financial literacy in India
Threats
- Increasing competition from other banks and FinTech companies
- Economic slowdown in India
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- HDB
- SBI.NS
- AXISBANK.NS
Competitive Landscape
ICICI Bank is positioned strongly against its competitors due to its technological innovations, diversified product offerings, and widespread network. However, competition is fierce, and maintaining market share requires continuous investment in technology and customer service.
Major Acquisitions
Bank of Rajasthan
- Year: 2010
- Acquisition Price (USD millions): 3000
- Strategic Rationale: Expanded ICICI Bank's branch network and customer base.
Growth Trajectory and Initiatives
Historical Growth: Discuss ICICI Bank Limited's growth trends over the past years. Data can be obtained from financial websites like Yahoo Finance, Google Finance or the Investor Relations page.
Future Projections: Provide projections for ICICI Bank Limited's future growth based on analyst estimates. Data can be obtained from financial websites like Yahoo Finance, Google Finance or analyst reports.
Recent Initiatives: Highlight recent strategic initiatives undertaken by ICICI Bank Limited.
Summary
ICICI Bank is a well-established private sector bank in India with a strong brand and diversified product portfolio. It benefits from technological innovation and a widespread network. Key challenges include competition, asset quality, and regulatory risks. They will need to address these challenges for continued growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- ICICI Bank Annual Reports
- Company Website
- Financial News Outlets (e.g., Bloomberg, Reuters)
- Analyst Reports
Disclaimers:
This analysis is based on available information and assumptions. Actual results may vary. Investment decisions should be based on individual due diligence and consultation with a financial advisor. Market share data are estimates.
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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