ICICI Bank Limited Common Stock (IBN)

FairStock Score: 65/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach ICICI Bank as a large, diversified Indian lender, not a speculative story. The business description shows retail, wholesale, treasury, insurance and asset management, and 124,029 employees—evidence of scale and a broad franchise, though the supplied data cannot prove market share or switching costs. At the 2026-10-13 close of $28.54, the FairStock calculations show a P/E of 16.69 and P/B of 2.59. The market is paying a moderate premium to book for an ROE of 16.07%, which is respectable for a bank and suggests the franchise earns more than its cost of equity if that return is sustainable. The supplied growth rates—profit growth of 13.88% versus revenue growth of 7.73%, for a period not labeled in the data—point to operating leverage or margin improvement. The latest quarter shown, 2026-Q2, had a 40.24% net income margin. A PEG of 1.20 and FairStock score of 59/100 argue for fair rather than cheap. The Piotroski F-Score of 3/9 is a caution, though that tool is not bank-specific. The balance sheet is the real question: D/E is not available, and the data lack CET1, NIM, credit costs, NPAs and combined ratio. Without those, I cannot judge underwriting or leverage. ICICI has no Peter Lynch category because only 0 years of filed results are available, and three are needed. Dividend yield of 0.88% and beta of 0.26 add stability but little income. My conclusion: a quality institution at a fair price, not a bargain, with credit risk unverified.

In plain English: ICICI Bank is a large Indian bank that serves consumers and businesses and also sells insurance and other financial services. Based on the numbers given, it earns a solid return on shareholders' money and profits are growing faster than revenue, but the price is not a clear bargain. It looks like a fair-priced, reasonably strong financial company, with several important banking risks not shown in the data.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer