ICICI Bank Intrinsic Value
ICICI Bank intrinsic value. ICICI Bank (ICICIBANK) median intrinsic value is ₹2330.14 from 10 valuation models (range ₹420–₹3496), vs current price ₹1398.50 — +66.6% upside (Trading Below Calculated Value), margin of safety 40.0%. Compare with ICICIBANK stock valuation models to assess whether the stock is under or overvalued.
ICICIBANK Valuation Methods Summary — DCF, Graham Number & P/E
ICICI Bank intrinsic value across 10 models vs current price ₹1398.50 — upside/downside and value range per method. Read ICICIBANK dividend payout details for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1092.48 | ₹873.98 - ₹1310.98 | -21.9% | EPS: ₹91.04, Sector P/E: 12x |
| Book Value Method | asset | ₹2120.51 | ₹1908.46 - ₹2332.56 | +51.6% | Book Value/Share: ₹2650.64, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹2462.60 | ₹2216.34 - ₹2708.86 | +76.1% | Revenue/Share: ₹2462.60, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹2797.00 | ₹2517.30 - ₹3076.70 | +100.0% | EBITDA: ₹92460.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹3496.25 | ₹2797.00 - ₹4195.50 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹582.66 | ₹524.39 - ₹640.93 | -58.3% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹750.17 | ₹675.15 - ₹825.19 | -46.4% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹2797.00 | ₹2517.30 - ₹3076.70 | +100.0% | ROE: 18.3%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹2330.14 | ₹2097.13 - ₹2563.15 | +66.6% | EPS: ₹91.04, BVPS: ₹2650.64 |
| Dividend Yield Method | dividend | ₹419.55 | ₹377.60 - ₹461.51 | -70.0% | DPS: ₹12.00, Target Yield: 4.0% |
ICICIBANK Intrinsic Value vs Market Price — All Valuation Models
ICICI Bank fair value range ₹420–₹3496 vs current market price ₹1398.50 across 10 valuation models. For current market price and key ratios, visit ICICIBANK screener.
ICICIBANK Intrinsic Value Analysis — Undervalued or Overvalued?
ICICI Bank median intrinsic value ₹2330.14, current price ₹1398.50 — Trading Below Calculated Value by 66.6%, margin of safety 40.0%.
What is the intrinsic value of ICICIBANK?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of ICICI Bank (ICICIBANK) is ₹2330.14 (median value). With the current market price of ₹1398.50, this represents a +66.6% variance from our estimated fair value.
The valuation range spans from ₹419.55 to ₹3496.25, indicating ₹419.55 - ₹3496.25.
Is ICICIBANK undervalued or overvalued?
Based on our multi-method analysis, ICICI Bank (ICICIBANK) appears to be trading below calculated value by approximately 66.6%.
ICICIBANK Financial Health — Key Ratios vs Industry Benchmarks
ICICI Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 18.3% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 30.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.12x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
ICICIBANK Cash Flow Quality — Operating & Free Cash Flow
ICICI Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹67,325 Cr | ₹61,471 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹122,805 Cr | ₹84,235 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹157,284 Cr | ₹84,916 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-3,771 Cr | ₹-37,616 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹58,111 Cr | ₹38,108 Cr | Positive Free Cash Flow | 8/10 |