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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
03/27/2025: IBN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -0.9% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 112.06B USD | Price to earnings Ratio 19.74 | 1Y Target Price 36.58 |
Price to earnings Ratio 19.74 | 1Y Target Price 36.58 | ||
Volume (30-day avg) 5299741 | Beta 0.82 | 52 Weeks Range 24.91 - 32.14 | Updated Date 03/30/2025 |
52 Weeks Range 24.91 - 32.14 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 0.76% | Basic EPS (TTM) 1.59 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.03% | Operating Margin (TTM) 36.44% |
Management Effectiveness
Return on Assets (TTM) 2.21% | Return on Equity (TTM) 18.73% |
Valuation
Trailing PE 19.74 | Forward PE 18.83 | Enterprise Value 1788586622976 | Price to Sales(TTM) 0.06 |
Enterprise Value 1788586622976 | Price to Sales(TTM) 0.06 | ||
Enterprise Value to Revenue 6.04 | Enterprise Value to EBITDA - | Shares Outstanding 3560960000 | Shares Floating 7027574947 |
Shares Outstanding 3560960000 | Shares Floating 7027574947 | ||
Percent Insiders 0.18 | Percent Institutions 18.72 |
Analyst Ratings
Rating 4.75 | Target Price 36.62 | Buy 1 | Strong Buy 3 |
Buy 1 | Strong Buy 3 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
ICICI Bank Limited
Company Overview
History and Background
ICICI Bank Limited was originally established as the Industrial Credit and Investment Corporation of India (ICICI) in 1955. It was founded as a development finance institution to provide medium-term and long-term project financing to Indian businesses. In 1994, ICICI Bank was established as a commercial bank, and ICICI merged with ICICI Bank in 2002.
Core Business Areas
- Retail Banking: Offers a wide range of products including deposit accounts, loans, credit cards, and wealth management services to individuals and small businesses.
- Corporate Banking: Provides financial solutions to large corporations, including term loans, working capital finance, trade finance, and treasury services.
- International Banking: Offers banking services to businesses with cross-border operations, including foreign currency accounts, trade finance, and remittance services.
- Treasury: Manages the bank's investments and liquidity, including trading in fixed income securities, foreign exchange, and derivatives.
- Insurance: ICICI prudential provides insurance services like life insurance
Leadership and Structure
The current Managing Director & CEO is Sandeep Bakhshi. The bank has a board of directors comprising independent and executive directors, providing oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Description: Provision of retail loans and mortgages
- Retail Loans: Includes home loans, auto loans, and personal loans. ICICI Bank holds a significant share of the retail lending market in India. Competitors include HDFC Bank, SBI, and Axis Bank. Market share for Retail loan is 5% in India.
- Credit Cards: Offers a variety of credit cards with different benefits and rewards programs. Competitors include HDFC Bank, SBI Card, and Axis Bank. Market share for credit card is 4% in India
- Description: Provision of credit cards
- Corporate Loans: Provides term loans, working capital finance, and other credit facilities to corporations. Competitors include HDFC Bank, SBI, and Axis Bank. Market Share for corporate loans is 4% in India
- Description: Provisions of corporate loans
- Deposit Accounts: Offer savings and current account deposits. Competitors include HDFC Bank, SBI, and Axis Bank. Market share for deposit account is 7% in India
- Description: Provisions of deposit accounts
Market Dynamics
Industry Overview
The Indian banking sector is experiencing growth driven by increasing financial inclusion, digitalization, and economic expansion. There is also increasing competition from fintech companies.
Positioning
ICICI Bank is one of the largest private sector banks in India, known for its technology-driven approach and wide range of financial services. It has a strong presence in both retail and corporate banking.
Total Addressable Market (TAM)
The Indian banking sector's TAM is estimated to be in the trillions of USD. ICICI Bank is well-positioned to capture a significant portion of this market due to its size and strong brand.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Wide network of branches and ATMs
- Advanced technology platform
- Diverse product portfolio
- Strong capital adequacy
Weaknesses
- Higher operating expenses compared to some competitors
- Relatively high levels of non-performing assets (NPAs) in the past (improving trend)
- Geographic concentration in India
Opportunities
- Growing demand for financial services in India
- Increasing adoption of digital banking
- Government initiatives promoting financial inclusion
- Expanding into new markets and segments
- Fintech partnerships
Threats
- Increased competition from other banks and fintech companies
- Regulatory changes
- Economic slowdown
- Cybersecurity risks
- Global Economic Slowdown
Competitors and Market Share
Key Competitors
- HDB
- ITUB
- SAN
Competitive Landscape
ICICI Bank competes with other large private sector banks, public sector banks, and foreign banks. Its advantages include its technology platform, brand reputation, and diverse product portfolio. Key challenges include competition from aggressive players and managing asset quality.
Major Acquisitions
Bank of Rajasthan
- Year: 2010
- Acquisition Price (USD millions): 310
- Strategic Rationale: Expanded ICICI Bank's branch network, particularly in Rajasthan, and strengthened its presence in the northern region of India.
Growth Trajectory and Initiatives
Historical Growth: ICICI Bank has experienced significant growth in recent years, driven by its focus on technology and customer-centricity.
Future Projections: Analyst estimates project continued growth for ICICI Bank, driven by increasing demand for financial services in India.
Recent Initiatives: Recent initiatives include expanding its digital banking platform, launching new products, and increasing its focus on rural markets.
Summary
ICICI Bank is a strong player in the Indian banking sector, leveraging its technological capabilities and brand recognition. It faces challenges related to competition and asset quality but is well-positioned to capitalize on growth opportunities in the Indian market. Its digital initiatives and customer-centric approach are working well. It needs to watch out for cybersecurity threats and regulatory changes.
Similar Companies
- HDB
- ITUB
- SAN
- BBVA
Sources and Disclaimers
Data Sources:
- ICICI Bank Annual Reports
- Company Filings
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor.
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 187765 | Website https://www.icicibank.com |
Full time employees 187765 | 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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