ICICI Bank Intrinsic Value
ICICIBANK Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹898.08 | ₹718.46 - ₹1077.70 | -37.1% | EPS: ₹74.84, Sector P/E: 12x |
| Book Value Method | asset | ₹1845.57 | ₹1661.01 - ₹2030.13 | +29.3% | Book Value/Share: ₹2306.97, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹2139.17 | ₹1925.25 - ₹2353.09 | +49.8% | Revenue/Share: ₹2139.17, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1152.34 | ₹1037.11 - ₹1267.57 | -19.3% | EBITDA: ₹76504.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹3569.25 | ₹2855.40 - ₹4283.10 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹478.98 | ₹431.08 - ₹526.88 | -66.5% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹616.68 | ₹555.01 - ₹678.35 | -56.8% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹2855.40 | ₹2569.86 - ₹3140.94 | +100.0% | ROE: 17.4%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹1970.97 | ₹1773.87 - ₹2168.07 | +38.1% | EPS: ₹74.84, BVPS: ₹2306.97 |
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Valuation Comparison Chart
ICICIBANK Intrinsic Value Analysis
What is the intrinsic value of ICICIBANK?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of ICICI Bank (ICICIBANK) is ₹1845.57 (median value). With the current market price of ₹1427.70, this represents a +29.3% variance from our estimated fair value.
The valuation range spans from ₹478.98 to ₹3569.25, indicating ₹478.98 - ₹3569.25.
Is ICICIBANK undervalued or overvalued?
Based on our multi-method analysis, ICICI Bank (ICICIBANK) appears to be trading below calculated value by approximately 29.3%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.14 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 8.04 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 17.4% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 27.0% | 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 |
Related Pages for ICICI Bank
Additional stock information and data for ICICIBANK
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹138,015 Cr | ₹106,200 Cr | Positive Free Cash Flow | 8/10 |