ICICI Bank Intrinsic Value
ICICI Bank (ICICIBANK) median intrinsic value is ₹2069.12 from 9 valuation models (range ₹528–₹3203), vs current price ₹1281.00 — +61.5% upside (Trading Below Calculated Value), margin of safety 38.1%. For current market price and key ratios, visit ICICI Bank share price today.
ICICIBANK Valuation Methods Summary — DCF, Graham Number & P/E
ICICI Bank intrinsic value across 9 models vs current price ₹1281.00 — upside/downside and value range per method. Browse ICICIBANK cash flow statement for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹989.76 | ₹791.81 - ₹1187.71 | -22.7% | EPS: ₹82.48, Sector P/E: 12x |
| Book Value Method | asset | ₹1845.57 | ₹1661.01 - ₹2030.13 | +44.1% | Book Value/Share: ₹2306.97, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹2377.07 | ₹2139.36 - ₹2614.78 | +85.6% | Revenue/Share: ₹2377.07, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹2562.00 | ₹2305.80 - ₹2818.20 | +100.0% | EBITDA: ₹83252.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹3202.50 | ₹2562.00 - ₹3843.00 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹527.87 | ₹475.08 - ₹580.66 | -58.8% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹679.64 | ₹611.68 - ₹747.60 | -46.9% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹2562.00 | ₹2305.80 - ₹2818.20 | +100.0% | ROE: 19.1%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹2069.12 | ₹1862.21 - ₹2276.03 | +61.5% | EPS: ₹82.48, BVPS: ₹2306.97 |
ICICIBANK Intrinsic Value vs Market Price — All Valuation Models
ICICI Bank fair value range ₹528–₹3203 vs current market price ₹1281.00 across 9 valuation models. Compare with ICICIBANK stock valuation models to assess whether the stock is under or overvalued.
ICICIBANK Intrinsic Value Analysis — Undervalued or Overvalued?
ICICI Bank median intrinsic value ₹2069.12, current price ₹1281.00 — Trading Below Calculated Value by 61.5%, margin of safety 38.1%.
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 ₹2069.12 (median value). With the current market price of ₹1281.00, this represents a +61.5% variance from our estimated fair value.
The valuation range spans from ₹527.87 to ₹3202.50, indicating ₹527.87 - ₹3202.50.
Is ICICIBANK undervalued or overvalued?
Based on our multi-method analysis, ICICI Bank (ICICIBANK) appears to be trading below calculated value by approximately 61.5%.
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 |
|---|---|---|---|---|
| Current Ratio | 0.14 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 19.1% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 16.0% | Industry Standard: 20%+ | Above 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.13x | 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 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 |