ICICI Bank Ltd.
ISIN: INE090A01021 • Market Cap: ₹10.06 Lakh Cr
The 5-Pillar Quality Audit for ICICI Bank Ltd.
Evaluated across Profitability, Financial Health, Historical Compounding, Valuation Safety, and Ownership Governance:
1. Profitability & Capital Efficiency
Weight: 25%Measures operating margins (26.5%), Return on Capital Employed (16.5%), and equity compounding (17.4%).
2. Financial Health & Solvency
Weight: 25%Assesses capital adequacy, provisioning coverage, and asset liability structure.
3. Growth & Compounding Track Record
Weight: 20%Historical 3Y Sales CAGR (10.4%) and 3Y PAT CAGR (10.4%).
4. Valuation Multiple & Margin of Safety
Weight: 15%Trades at P/E of 17.94 vs PEG of 1.73 and Dividend Yield of 0.9%.
5. Ownership Quality & Governance
Weight: 15%Promoter holding stands at —, backed by 76.3% institutional ownership.
Key Fundamental Strengths
Attractive Valuation Margin (P/E: 17.94)
Trading at a P/E multiple of 17.94, the stock offers a favourable risk-reward entry for quality compounding.
Deep Institutional Sponsorship (76.3%)
Mutual funds, domestic DIIs, and foreign FIIs hold 76.3%, providing strong governance scrutiny.
Areas to Watch & Potential Risks
Sectoral & Macro Headwinds (Financial Services)
Subject to broader cyclical demand, raw material price shifts, and regulatory frameworks governing the Financial Services space.
Quantitative Strategy Eligibility
Checking ICICIBANK against established Indian wealth creation frameworks:
Coffee Can Investing Framework
Passes Saurabh Mukherjea's Coffee Can rule: 10%+ sustained revenue growth and 15%+ ROCE/ROE.
Quality Factor Screener (High RoIC + Low Debt)
Qualifies for Indian Quality Indices with overall score of 76/100 and clean gearing.
GARP / Value-Growth Blend
Provides balanced valuation margin with strong profitability scores.
Financial Services Sector Peer Comparison
Compare ICICIBANK directly against top industry peers by market capitalization:
| Company | 5-Pillar Score | Market Cap | P/E | ROCE | D/E | Scorecard |
|---|---|---|---|---|---|---|
| ICICI Bank Ltd. (ICICIBANK)Current | 76/100 | ₹10.06 Lakh Cr | 17.94 | 16.5% | N/A | — |
| HDFC Bank Ltd. (HDFCBANK) | 74/100 | ₹11.10 Lakh Cr | 14.05 | 12.8% | 1.01 | View |
| State Bank of India (SBIN) | 71/100 | ₹9.66 Lakh Cr | 11.20 | 12.2% | 1.38 | View |
| Bajaj Finance Ltd. (BAJFINANCE) | 68/100 | ₹6.72 Lakh Cr | 33.07 | 13.9% | 3.86 | View |
| Life Insurance Corporation of India (LICI) | 87/100 | ₹5.22 Lakh Cr | 8.70 | 37.8% | 0.00 | View |
| Kotak Mahindra Bank Ltd. (KOTAKBANK) | 68/100 | ₹3.90 Lakh Cr | 19.21 | 12.1% | 0.53 | View |
Frequently Asked Questions: ICICI Bank Ltd.
Q:What is the 5-Pillar Fundamental Score for ICICI Bank Ltd. (ICICIBANK)?
ICICI Bank Ltd. has a RupeeTools Fundamental Score of 76/100, placing it in the 'Solid & Healthy' category. Its pillar scores are: Profitability (84/100), Financial Health (57/100), Growth (70/100), Valuation (68/100), and Ownership Quality (95/100).
Q:Is ICICIBANK fundamentally strong for long-term investment?
Yes, ICICIBANK exhibits solid fundamental strength with a 76/100 score, driven by a return on equity of 17.4% and a debt-to-equity ratio of 0.62.
Q:Does ICICIBANK pass the Coffee Can Investing filter?
Yes! ICICIBANK satisfies both core pillars of Coffee Can Investing: achieving consistently high capital returns (ROCE/ROE >= 15%) alongside double-digit multi-year revenue growth.
Q:How does ICICIBANK compare against other Financial Services peers?
Within India's Financial Services sector, ICICIBANK trades at a P/E of 17.94 and generates an ROCE of 16.5%. Compare its 5-Pillar score of 76/100 against top sector peers like HDFC Bank Ltd. (74/100), State Bank of India (71/100).
Regulatory & SEBI Research Analyst Compliance Disclaimer:
This 5-pillar fundamental score is an automated quantitative health check generated purely from historical public financial statements, corporate filings, and exchange disclosures for educational and informational purposes only. It does NOT constitute investment advice, a stock recommendation, or a solicitation to buy or sell securities. RupeeTools is not a SEBI-registered Research Analyst. Please consult a SEBI-registered financial advisor before making investment decisions.