# ICICI Bank Limited (IBN) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $30.30, market value $108.7 billion.

## Valuation
- **P/E (trailing): 18.5×** (5-yr avg 0.2×, 3-yr avg 0.2×). ICICI Bank Limited trades at 18.5× trailing earnings, well above its own five-year average of 0.2×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 16.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 3.16**. A PEG of 3.16 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / sales: 0.1×**. Each dollar of revenue is priced at 0.1×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.0×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 584.9%**. Free cash flow equals 584.9% of the market value. Above 5% is generally attractive.
- **Earnings yield: 5.4%**. The inverse of the P/E: 5.4% of the price is earned each year.

## Profitability
- **Net margin: 24.3%**. 24.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 14.9%**. 14.9% on shareholders' equity is solid.
- **Return on assets: 1.9%**. Each dollar of assets produces 1.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 9.1%** (3-yr 18.1%/yr). Revenue grew 9.1% over the last year.
- **EPS growth (1 yr): 5.1%** (3-yr 16.1%/yr). Earnings per share rose 5.1%, roughly in step with revenue.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $2.90 trillion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 0.83%** ($0.25 per share, trailing). ICICI Bank Limited yields 0.83%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 14%** (12% of free cash flow). 14% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 5**. 5 straight years of increases.
- **Shareholder yield: -11.7%**. Dividends plus net buybacks return -11.7% of the market value a year.

## Analyst view
- **Analyst consensus: strong_buy** (4 analysts). 4 analysts cover ICICI Bank Limited; the consensus is strong_buy, with an average price target of $36.33 (+20% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -5.0%** (YTD 1.7%, 3-mo 16.8%). The shares are down 5.0% over twelve months including dividends.
- **From 52-week high: -8.3%** (20.8% above the low). Trading 8% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 55**. An RSI of 55 is neutral.
- **Beta (1 yr): 0.53** (volatility 22%). Beta of 0.53 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=IBN · Page: https://foliofundamentals.com/stocks/ibn

Not investment advice.