IBN

Based on ICICI Bank Limited's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does ICICI Bank do?

ICICI Bank is one of India's largest private-sector banks, providing retail and corporate banking, loans, deposit accounts, insurance, investment products, and treasury services. It operates domestically across India and has an international presence serving non-resident Indians and global corporate clients.

Does IBN pay dividends?

Yes, ICICI Bank pays a regular dividend. This is consistent with the bank's position as a large, established financial institution. Investors should check the company's investor relations page for the most current dividend details and payment schedule.

When does IBN report earnings?

ICICI Bank reports earnings on a quarterly basis, in line with Indian regulatory requirements and standard practice for internationally listed banks. For exact dates and recent results, refer to ICICI Bank's investor relations page.

Is IBN a good stock to buy?

UQS Score rates IBN as Below Average, driven by Weak Moat and Weak Risk pillar ratings. The Attractive Valuation rating provides some offset, but investors should weigh the risk profile carefully. The full pillar breakdown is available to Pro members on UQS Score.

Is IBN overvalued?

Based on the UQS Valuation pillar, IBN rates as Attractive — meaning the current market price may not reflect a significant premium over the bank's fundamentals. This is one of the stronger signals in IBN's overall profile, though it should be considered alongside the Weak Risk and Moat ratings.

How does IBN compare to its competitors?

Compared to peers like Itaú Unibanco, Mizuho Financial Group, and PNC Financial Services, ICICI Bank offers distinct exposure to India's growing banking sector. Each competitor operates in a different geographic and regulatory environment, making direct comparison dependent on an investor's regional and risk preferences.

What is IBN's market cap bracket?

ICICI Bank is classified as a large-cap stock, reflecting its status as one of India's most significant private-sector banks with a substantial market presence both domestically and on international exchanges.

Who founded ICICI Bank?

ICICI Bank was incorporated in 2000 as a banking subsidiary of ICICI Limited, itself a development finance institution established decades earlier. The bank's founding context is well documented and publicly available through the company's official history and investor materials.

Is IBN a long-term quality indicator?

From a long-term quality perspective, IBN's Neutral Quality and Neutral Growth ratings suggest a bank that maintains adequate fundamentals but has not demonstrated the kind of durable advantages — reflected in its Weak Moat rating — that typically support strong long-term compounding. Pro members can access the full analysis.

What is the main competitive advantage of ICICI Bank?

ICICI Bank benefits from its scale within India's private banking sector, its diversified revenue streams across lending, insurance, and wealth management, and its digital banking infrastructure. However, the UQS Moat pillar rates Weak, suggesting these advantages may not be as durable or differentiated as those of top-rated peers.

What sector does IBN belong to?

IBN belongs to the Financial Services sector. More specifically, it operates as a diversified bank offering retail banking, corporate banking, treasury, and insurance services — making it one of the more complex financial institutions in the emerging-market banking space.

Is IBN a growth stock or value stock?

Based on UQS pillar labels, IBN sits closer to the value end of the spectrum. Its Valuation pillar rates Attractive while Growth rates only Neutral — suggesting the stock may be priced modestly relative to current fundamentals, but without strong near-term growth momentum behind it.

ICICI Bank Limited has average quality metrics, with room for improvement in margins or capital efficiency.

ICICI Bank Limited faces growth headwinds with declining or stagnant revenue trends.

ICICI Bank Limited presents elevated risk with concerns around leverage or financial stability.

ICICI Bank Limited appears attractively valued relative to its earnings, cash flows, and sector peers.

ICICI Bank Limited possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for IBN.

The UQS (Unified Quality Score) for ICICI Bank Limited is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses ICICI Bank Limited's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether ICICI Bank Limited is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.