Icici Bank Ltd
ICICIBANK
Banks
₹ 1,418
Price
₹ 1,012,289
Market Cap
Large Cap
19.14
P/E Ratio
📊 Score Snapshot
5.93 / 25
Performance
25 / 25
Valuation
2.93 / 20
Growth
7.0 / 30
Profitability
40.86 / 100
Risky
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 161.54 | 210.61 | -21.48 | 61.36 | 174.03 | 89.35 | 52.97 | 10.92 |
| Adj Cash PAT | 118,587 | 149,727 | -13,576 | 44,060 | 122,349 | 59,490 | 35,577 | 8,406 |
| Adj Cash PAT To PAT | 2.17 | 3.25 | -0.38 | 1.66 | 6.01 | 5.30 | 6.26 | 0.92 |
| Adj Cash PE | 8.16 | 5.14 | - | 12.00 | 3.42 | 3.21 | 7.37 | 25.70 |
| Adj EPS | 71.65 | 63.04 | 48.80 | 36.15 | 26.57 | 14.78 | 6.60 | 12.00 |
| Adj Number Of Shares | 712.20 | 702.25 | 698.34 | 694.80 | 691.65 | 647.23 | 644.55 | 642.67 |
| Adj PE | 18.40 | 17.19 | 18.00 | 20.37 | 22.36 | 19.39 | 59.18 | 23.38 |
| Adj Peg | 1.35 | 0.59 | 0.51 | 0.56 | 0.28 | 0.16 | - | - |
| Bvps | 458.68 | 384.52 | 316.73 | 270.63 | 241.70 | 200.48 | 187.47 | 181.49 |
| Cash Revenue | 372,662 | 319,032 | 242,134 | 190,814 | 178,326 | 169,672 | 143,964 | 124,324 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 0.82 | 0.93 | 0.89 | 0.69 | 0.36 | - | 0.25 | 0.51 |
| Fcfe | 125,075 | 166,245 | 13,086 | 61,685 | 51,887 | 62,143 | 16,245 | 49,311 |
| Fcfe Margin | 33.56 | 52.11 | 5.40 | 32.33 | 29.10 | 36.63 | 11.28 | 39.66 |
| Fcfe To Adj PAT | 2.29 | 3.61 | 0.37 | 2.32 | 2.55 | 5.54 | 2.86 | 5.42 |
| Market Cap | 939,000 | 760,818 | 612,619 | 511,546 | 411,117 | 185,528 | 251,729 | 180,365 |
| PB | 2.87 | 2.82 | 2.77 | 2.72 | 2.46 | 1.43 | 2.08 | 1.55 |
| PE | 18.40 | 17.19 | 18.00 | 20.37 | 22.36 | 19.39 | 59.17 | 23.39 |
| Peg | 1.34 | 0.59 | 0.52 | 0.57 | 0.28 | 0.16 | - | - |
| PS | 2.52 | 2.38 | 2.53 | 2.68 | 2.31 | 1.09 | 1.75 | 1.45 |
| ROE | 18.29 | 18.77 | 17.35 | 14.94 | 13.71 | 8.96 | 4.79 | 8.05 |
| Share Price | 1,318 | 1,083 | 877.25 | 736.25 | 594.40 | 286.65 | 390.55 | 280.65 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 48,181 | 49,080 | 96,774 | 94,074 | 92,652 | 89,164 | 85,214 | 81,730 | 77,876 | 74,212 | 68,878 | 63,238 | 57,700 | 52,318 |
| Interest | 22,017 | 23,090 | 23,047 | 22,633 | 22,225 | 21,122 | 20,424 | 19,409 | 17,908 | 16,368 | 14,479 | 12,978 | 11,997 | 11,089 |
| Expenses - | 35,065 | 31,991 | 37,588 | 33,510 | 32,221 | 29,387 | 30,604 | 24,929 | 24,560 | 21,402 | 25,959 | 22,946 | 22,336 | 18,137 |
| Financing Profit | -8,901 | -6,002 | -12,248 | -9,106 | -8,120 | -5,927 | -8,421 | -3,473 | -3,530 | -663.00 | -6,000 | -4,305 | -5,483 | -3,068 |
| Financing Margin % | -18.47 | -12.23 | -12.66 | -9.68 | -8.76 | -6.65 | -9.88 | -4.25 | -4.53 | -0.89 | -8.71 | -6.81 | -9.50 | -5.86 |
| Other Income - | 28,027 | 25,496 | 31,361 | 27,589 | 26,617 | 22,688 | 24,575 | 18,615 | 18,690 | 15,229 | 19,735 | 16,470 | 16,634 | 13,271 |
| Profit Before Tax | 19,126 | 19,494 | 19,113 | 18,483 | 18,496 | 16,761 | 16,154 | 15,142 | 15,160 | 14,566 | 13,735 | 12,165 | 11,151 | 10,203 |
| Tax % | 25.14 | 25.84 | 24.90 | 25.08 | 24.82 | 25.64 | 24.48 | 23.95 | 25.13 | 24.39 | 25.48 | 24.65 | 25.02 | 24.55 |
| Net Profit - | 14,318 | 14,456 | 14,354 | 13,847 | 13,906 | 12,463 | 12,200 | 11,515 | 11,351 | 11,014 | 10,236 | 9,166 | 8,361 | 7,698 |
| Profit From Associates | - | 63.00 | 30.00 | 18.00 | 45.00 | 57.00 | 227.00 | 260.00 | - | - | - | - | - | - |
| Minority Share | -961.00 | -899.00 | -851.00 | -964.00 | -958.00 | -767.00 | -529.00 | -463.00 | -455.00 | -378.00 | -384.00 | -373.00 | -354.00 | -314.00 |
| Profit Excl Exceptional | 14,318 | 14,456 | 14,354 | 13,847 | 13,906 | 12,463 | 12,200 | 11,515 | 11,351 | 11,014 | 10,236 | 9,166 | 8,361 | 7,698 |
| Profit For PE | 13,357 | 13,558 | 13,502 | 12,883 | 12,948 | 11,696 | 11,672 | 11,053 | 10,896 | 10,636 | 9,853 | 8,792 | 8,007 | 7,385 |
| Profit For EPS | 13,357 | 13,558 | 13,502 | 12,883 | 12,948 | 11,696 | 11,672 | 11,053 | 10,896 | 10,636 | 9,853 | 8,792 | 8,007 | 7,385 |
| EPS In Rs | 18.70 | 19.00 | 18.96 | 18.25 | 18.38 | 16.62 | 16.62 | 15.76 | 15.56 | 15.20 | 14.11 | 12.60 | 11.49 | 10.62 |
| PAT Margin % | 29.72 | 29.45 | 14.83 | 14.72 | 15.01 | 13.98 | 14.32 | 14.09 | 14.58 | 14.84 | 14.86 | 14.49 | 14.49 | 14.71 |
| PBT Margin | 39.70 | 39.72 | 19.75 | 19.65 | 19.96 | 18.80 | 18.96 | 18.53 | 19.47 | 19.63 | 19.94 | 19.24 | 19.33 | 19.50 |
| Tax | 4,808 | 5,038 | 4,759 | 4,636 | 4,590 | 4,298 | 3,954 | 3,627 | 3,809 | 3,552 | 3,499 | 2,999 | 2,790 | 2,505 |
| Yoy Profit Growth % | 3.00 | 16.00 | 16.00 | 17.00 | 19.00 | 10.00 | 18.00 | 26.00 | 36.00 | 44.00 | 28.00 | 35.00 | 31.00 | 55.00 |
| Adj PAT | 14,318 | 14,456 | 14,354 | 13,847 | 13,906 | 12,463 | 12,200 | 11,515 | 11,351 | 11,014 | 10,236 | 9,166 | 8,361 | 7,698 |
| Adj PAT Margin | 29.72 | 29.45 | 14.83 | 14.72 | 15.01 | 13.98 | 14.32 | 14.09 | 14.58 | 14.84 | 14.86 | 14.49 | 14.49 | 14.71 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 372,662 | 319,032 | 242,134 | 190,814 | 178,326 | 169,672 | 143,964 | 124,324 | 121,880 | 118,588 | 109,928 | 98,958 |
| Interest | 89,028 | 74,108 | 50,543 | 41,167 | 42,659 | 44,666 | 39,178 | 34,262 | 34,836 | 33,996 | 32,318 | 29,711 |
| Expenses - | 132,706 | 99,560 | 87,864 | 80,798 | 91,309 | 85,361 | 83,775 | 72,806 | 63,841 | 52,252 | 38,766 | 32,852 |
| Financing Profit | -35,402 | -14,152 | -17,341 | -26,558 | -44,805 | -45,190 | -50,971 | -44,906 | -37,737 | -26,955 | -16,120 | -13,084 |
| Financing Margin % | -9.50 | -4.44 | -7.16 | -13.92 | -25.13 | -26.63 | -35.41 | -36.12 | -30.96 | -22.73 | -14.66 | -13.22 |
| Other Income - | 108,255 | 76,507 | 65,058 | 62,124 | 72,180 | 64,950 | 59,327 | 56,804 | 52,459 | 42,076 | 35,249 | 29,949 |
| Exceptional Items | - | 14.00 | 54.00 | 6.00 | -6.00 | - | -2.00 | 3.00 | -1.00 | 26.00 | 3.00 | 135.00 |
| Depreciation | - | 1,935 | 1,515 | 1,330 | 1,340 | 1,171 | 946.00 | 922.00 | 912.00 | 843.00 | 798.00 | 719.00 |
| Profit Before Tax | 72,854 | 60,434 | 46,256 | 34,241 | 26,028 | 18,589 | 7,408 | 10,978 | 13,809 | 14,304 | 18,334 | 16,282 |
| Tax % | 25.10 | 23.75 | 23.34 | 22.50 | 21.76 | 39.61 | 23.20 | 17.11 | 17.88 | 23.61 | 29.41 | 28.28 |
| Net Profit - | 54,569 | 46,081 | 35,461 | 26,538 | 20,364 | 11,225 | 5,689 | 9,100 | 11,340 | 10,927 | 12,942 | 11,677 |
| Profit From Associates | 151.00 | 1,074 | 998.00 | 754.00 | - | - | - | - | - | - | - | - |
| Minority Share | -3,540 | -1,824 | -1,425 | -1,428 | -1,980 | -1,659 | -1,435 | -1,387 | -1,152 | -747.00 | -695.00 | -636.00 |
| Exceptional Items At | - | 11.00 | 40.00 | 4.00 | -5.00 | - | -1.00 | 2.00 | -1.00 | 14.00 | 2.00 | 97.00 |
| Profit Excl Exceptional | 54,569 | 46,070 | 35,421 | 26,534 | 20,369 | 11,225 | 5,690 | 9,098 | 11,341 | 10,913 | 12,940 | 11,580 |
| Profit For PE | 51,029 | 44,246 | 33,998 | 25,106 | 18,389 | 9,566 | 4,255 | 7,711 | 10,189 | 10,167 | 12,245 | 10,950 |
| Profit For EPS | 51,029 | 44,256 | 34,037 | 25,110 | 18,384 | 9,566 | 4,254 | 7,712 | 10,188 | 10,180 | 12,247 | 11,041 |
| EPS In Rs | 71.65 | 63.02 | 48.74 | 36.14 | 26.58 | 14.78 | 6.60 | 12.00 | 15.90 | 15.92 | 19.20 | 17.38 |
| Dividend Payout % | 15.00 | 16.00 | 16.00 | 14.00 | 8.00 | - | 15.00 | 12.00 | 14.00 | 29.00 | 24.00 | 24.00 |
| PAT Margin % | 14.64 | 14.44 | 14.65 | 13.91 | 11.42 | 6.62 | 3.95 | 7.32 | 9.30 | 9.21 | 11.77 | 11.80 |
| PBT Margin | 19.55 | 18.94 | 19.10 | 17.94 | 14.60 | 10.96 | 5.15 | 8.83 | 11.33 | 12.06 | 16.68 | 16.45 |
| Tax | 18,285 | 14,353 | 10,795 | 7,703 | 5,664 | 7,364 | 1,719 | 1,878 | 2,469 | 3,377 | 5,392 | 4,605 |
| Adj PAT | 54,569 | 46,092 | 35,502 | 26,543 | 20,359 | 11,225 | 5,687 | 9,102 | 11,339 | 10,947 | 12,944 | 11,774 |
| Adj PAT Margin | 14.64 | 14.45 | 14.66 | 13.91 | 11.42 | 6.62 | 3.95 | 7.32 | 9.30 | 9.23 | 11.78 | 11.90 |
🏦 Balance Sheet
| Metric | Mar 2025 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 13,752 | - | 11,356 | 10,497 | 10,256 | 9,307 | 8,471 | 8,262 | 7,546 |
| Average Total Assets | 2,503,152 | 2,161,276 | - | 1,855,564 | 1,663,224 | 1,475,552 | 1,308,043 | 1,181,538 | 1,055,003 | 952,240 |
| Average Total Equity | 298,352 | 245,608 | - | 204,610 | 177,604 | 148,465 | 125,294 | 118,736 | 113,068 | 103,482 |
| Borrowing | 218,883 | 207,428 | - | 189,062 | 161,603 | 143,900 | 213,852 | 210,324 | 229,402 | 170,670 |
| Cash Equivalents | 120,241 | 80,987 | - | 59,968 | 102,403 | 39,161 | 25,342 | 29,155 | 25,061 | 24,509 |
| Deposits | 1,641,637 | 1,443,580 | - | 1,210,832 | 1,091,366 | 959,940 | 800,784 | 681,317 | 585,796 | 530,204 |
| Fixed Assets | 15,812 | 15,714 | - | 11,070 | 10,707 | 10,809 | 10,409 | 9,660 | 9,465 | 9,338 |
| Gross Block | - | 29,466 | - | 22,426 | 21,203 | 21,065 | 19,716 | 18,132 | 17,727 | 16,884 |
| Investments | 886,377 | 827,163 | - | 639,552 | 567,098 | 536,579 | 443,473 | 398,201 | 372,208 | 304,373 |
| Loans N Advances | 1,420,664 | 1,260 | - | 2,037 | 2,624 | 5,025 | 7,388 | 10,187 | 6,666 | 6,295 |
| Long Term Borrowings | - | - | - | - | - | - | - | 210,324 | 229,402 | 188,287 |
| Net Debt | -1,006,618 | 742,858 | - | 700,374 | 583,467 | 528,100 | 545,821 | 464,285 | 417,929 | 371,992 |
| Non Controlling Interest | 14,837 | 13,888 | - | 6,687 | 5,981 | 9,588 | 6,795 | 6,581 | 6,008 | 4,865 |
| Other Asset Items | 199,148 | 1,438,939 | - | 1,245,863 | 1,069,806 | 982,239 | 890,681 | 791,591 | 710,882 | 641,209 |
| Other Borrowings | - | 1,651,008 | - | 1,399,894 | 1,252,968 | 1,103,840 | 1,014,636 | 681,317 | 585,796 | 512,587 |
| Other Liability Items | 455,048 | 430,204 | - | 323,808 | 298,567 | 289,948 | 227,187 | 217,700 | 185,138 | 167,045 |
| Reserves | 310,411 | 254,739 | - | 213,101 | 180,663 | 156,204 | 121,665 | 112,964 | 109,344 | 103,467 |
| Share Capital | 1,425 | 1,405 | 1,401 | 1,397 | 1,390 | 1,383 | 1,295 | 1,289 | 1,286 | 1,165 |
| Total Assets | 2,642,241 | 2,364,063 | - | 1,958,490 | 1,752,637 | 1,573,812 | 1,377,292 | 1,238,794 | 1,124,281 | 985,725 |
| Total Borrowings | - | 1,651,008 | - | 1,399,894 | 1,252,968 | 1,103,840 | 1,014,636 | 891,641 | 815,198 | 700,874 |
| Total Equity | 326,673 | 270,032 | 1,401 | 221,185 | 188,034 | 167,175 | 129,755 | 120,834 | 116,638 | 109,497 |
| Total Equity And Liabilities | 2,642,241 | 2,364,063 | - | 1,958,490 | 1,752,637 | 1,573,812 | 1,377,292 | 1,238,794 | 1,124,281 | 985,725 |
| Total Liabilities | 2,315,568 | 2,094,031 | -1,401 | 1,737,305 | 1,564,603 | 1,406,637 | 1,247,537 | 1,117,960 | 1,007,643 | 876,228 |
| Trade Payables | - | 12,819 | - | 13,604 | 13,069 | 12,848 | 5,714 | 8,619 | 7,307 | 8,308 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 5,589 | 13,765 | 24,791 | 17,451 | -54,667 | 2,992 | -19,997 | 39,676 |
| Cash From Investing Activity | -77,288 | -144,737 | -67,689 | -39,448 | -63,631 | -42,095 | -30,282 | -50,551 |
| Cash From Operating Activity | 122,805 | 157,284 | -3,771 | 58,111 | 138,015 | 79,565 | 48,671 | 19,383 |
| Cash Paid For Loan Advances | -164,020 | -178,265 | -163,893 | -134,905 | -96,893 | -69,243 | -97,298 | -68,750 |
| Cash Paid For Purchase Of Fixed Assets | -4,770 | -3,679 | -2,468 | -1,860 | -1,688 | -1,873 | -1,148 | -1,042 |
| Cash Paid For Purchase Of Investments | -72,583 | -142,322 | -65,825 | -37,579 | -61,311 | -40,461 | -29,046 | -49,558 |
| Cash Paid For Repayment Of Borrowings | -39,933 | -39,147 | -26,892 | -34,603 | -99,548 | -52,001 | -45,416 | -40,434 |
| Cash Receipts From Deposits | - | 1,443,580 | 1,210,832 | 1,091,366 | 959,940 | 800,784 | 681,317 | 585,796 |
| Cash Received From Borrowings | 51,126 | 57,339 | 54,220 | 52,641 | 29,422 | 55,330 | 26,239 | 81,432 |
| Cash Received From Issue Of Shares | 1,438 | 1,171 | 942.00 | 798.00 | 15,460 | 549.00 | 349.00 | 394.00 |
| Cash Received From Sale Of Fixed Assets | 65.00 | 70.00 | 287.00 | 117.00 | 12.00 | 26.00 | 47.00 | 27.00 |
| Change In Other Working Capital Items | 29,980 | 48,907 | -4,652 | 20,996 | 39,728 | -1,959 | 31,667 | -5,155 |
| Change In Working Capital | 64,018 | 103,635 | -49,078 | 17,517 | 101,990 | 48,265 | 29,890 | -696.00 |
| Direct Taxes Paid | -18,116 | -13,344 | -10,875 | -4,982 | -3,834 | -2,392 | -8,356 | -4,451 |
| Dividends Paid | -7,041 | -5,599 | -3,479 | -1,385 | - | -886.00 | -1,169 | -1,716 |
| Net Cash Flow | 51,106 | 26,312 | -46,669 | 36,114 | 19,718 | 40,462 | -1,608 | 8,508 |
| Operating Deposits | 198,057 | 232,993 | 119,466 | 131,426 | 159,156 | 119,468 | 95,521 | 73,209 |
| Other Cash Financing Items Paid | - | - | - | - | - | - | - | - |
| Other Cash Investing Items Paid | - | 1,195 | 316.00 | -127.00 | -644.00 | 214.00 | -135.00 | 23.00 |
| Other Cash Operating Items Paid | - | - | - | - | - | - | - | - |
| Profit From Operations | 76,904 | 66,993 | 56,183 | 45,576 | 39,859 | 33,692 | 27,137 | 24,530 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Icicibank | 2025-09-30 | - | 45.56 | 45.06 | 9.11 | 0.00 |
| Icicibank | 2025-06-30 | - | 46.77 | 43.91 | 9.06 | 0.00 |
| Icicibank | 2025-03-31 | - | 45.83 | 44.77 | 9.12 | 0.00 |
| Icicibank | 2024-12-31 | - | 45.70 | 44.95 | 9.08 | 0.00 |
💬
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