ICICI Bank Limited
ICICI Bank Limited operates in Private Sector Bank, part of the Financial Services sector. It booked ₹55,992 cr of revenue in its latest quarter (Q2 FY27) and kept 30.9% of sales as profit. It is the 2nd largest of 9 Private Sector Bank companies we track, by market value.
| Segment | FY21 | FY22 | FY24 | FY25 | FY26 | Share |
|---|---|---|---|---|---|---|
| Retail Banking | 0.76 | 0.85 | 1.35 | 1.56 | 1.62 | 31% → 32% |
| Treasury | 0.67 | 0.67 | 1.14 | 1.35 | 1.38 | 27% → 27% |
| Wholesale Banking | 0.37 | 0.40 | 0.72 | 0.82 | 0.88 | 15% → 17% |
| Life Insurance | 0.44 | 0.45 | 0.54 | 0.60 | 0.65 | 18% → 13% |
| General Insurance | 0.13 | 0.04 | — | 0.26 | 0.29 | 5% → 6% |
| Others | 0.08 | 0.09 | 0.16 | 0.19 | 0.20 | 3% → 4% |
| Other Banking | 0.03 | 0.03 | 0.06 | 0.08 | 0.08 | 1% → 1% |
| intersegment | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0% → 0% |
| Total | 2.47 | 2.52 | 3.97 | 4.86 | 5.11 |
From the company's consolidated segment filings (Ind AS 108). Margin is segment operating profit (before interest & tax) over segment revenue; reconciliation rows like inter-segment eliminations are excluded from the mix.
Healthier than 71% of companies in Financial Services, on the 4 of 6 measures we could read for it. Each measure is ranked against the 102–253 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 62
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure
Not measurable for this company: balance sheet, growth & consistency. Those pillars are left out of the score rather than counted as zero.
What if I invest in ICICIBANK?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-11-03.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Interest Earned | ₹55,992 cr |
| Other Income | ₹32,169 cr |
| Total Income | ₹88,161 cr |
| Interest Expended | ₹25,656 cr |
| Employee Cost | ₹6,919 cr |
| Other Operating Expenses | ₹31,576 cr |
| Total Expenditure | ₹64,151 cr |
| Operating Profit before Provisions | ₹24,010 cr |
| Provisions & Contingencies | ₹895 cr |
| Profit before Tax | ₹23,115 cr |
| Tax Expense | ₹5,803 cr |
| Share of Associates | ₹77 cr |
| Net Profit | ₹17,312 cr |
| Net margin on total income | 19.6% |
Not enough income-statement detail filed to break this down yet.
| Metric | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Revenue | 49,594 cr | 52,241 cr | 55,992 cr |
| Total income | 84,614 cr | 79,689 cr | 88,161 cr |
| Expenses | — | — | — |
| Profit before tax | 20,744 cr | 21,307 cr | 23,115 cr |
| Tax | 5,132 cr | 5,097 cr | 5,803 cr |
| Net profit (owners' share) | 15,612 cr | 16,210 cr | 17,312 cr |
| Net margin (owners' share, on revenue) | 31.5% | 31.0% | 30.9% |
| EPS (₹) | 20.62 | 21.54 | 22.76 |
Lender caveat: a bank's operating cash swings with deposits and lending — this is loan-book activity, not distress.
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹726 | ₹11.19 L cr | 13.5 | 13.7% | 21.8% | — |
| ICICI Bank Limitedthis company | ₹1,425 | ₹10.23 L cr | 15.6 | 16.9% | 30.9% | — |
| Kotak Mahindra Bank Limited | ₹465 | ₹4.62 L cr | 20.5 | 11.6% | 28.4% | — |
| Axis Bank Limited | ₹1,233 | ₹3.84 L cr | 12.4 | 13.3% | 20.1% | — |
| IDBI Bank Limited | ₹78 | ₹83,482 cr | 9.4 | 12.3% | 26.1% | — |
| The Federal Bank Limited | ₹334 | ₹82,526 cr | 13.7 | 14.2% | 18.7% | — |
| IndusInd Bank Limited | ₹857 | ₹66,753 cr | 13.4 | 7.3% | 10.5% | — |
| IDFC First Bank Limited | ₹73 | ₹63,119 cr | 15.0 | 8.5% | 8.8% | — |
| RBL Bank Limited | ₹350 | ₹54,338 cr | 27.2 | 4.6% | 11.5% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Dividend | ₹12 / share | 3 Aug 2026 |
| Dividend | ₹11 / share | 12 Aug 2025 |
| Dividend | ₹10 / share | 12 Aug 2024 |
| Dividend | ₹8 / share | 9 Aug 2023 |
| Dividend | ₹5 / share | 8 Aug 2022 |
| Dividend | ₹2 / share | 29 Jul 2021 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.
When a company raises money from investors, it has to say up front what the money is for. The rules then make it report, every three months until the money is gone, how much of each of those things it has actually paid for — so a promise made while asking for the money can be checked afterwards.
As of Dec 2025, the company says it has spent 100% of what it set aside.
As of Jun 2025, the company says it has spent 100% of what it set aside.
Every figure above is taken from the statement the company files with the stock exchange each quarter, for as long as money it has raised remains unspent. The only thing we work out is how much of each stated purpose has been paid for — one number divided by another from the same filing. Whether a plan that changed was a good change is not something a filing can tell you. See the filing