ICICI Bank Intrinsic Value
ICICI Bank (ICICIBANK) median intrinsic value is ₹2217.89 from 10 valuation models (range ₹402–₹3347), vs current price ₹1338.90 — +65.7% upside (Trading Below Calculated Value), margin of safety 39.6%. See ICICI Bank P/B ratio trends to compare market price against book value per share.
ICICIBANK Valuation Methods Summary — DCF, Graham Number & P/E
ICICI Bank intrinsic value across 10 models vs current price ₹1338.90 — upside/downside and value range per method. For current market price and key ratios, visit ICICIBANK screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹989.76 | ₹791.81 - ₹1187.71 | -26.1% | EPS: ₹82.48, Sector P/E: 12x |
| Book Value Method | asset | ₹2120.51 | ₹1908.46 - ₹2332.56 | +58.4% | Book Value/Share: ₹2650.64, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹2363.52 | ₹2127.17 - ₹2599.87 | +76.5% | Revenue/Share: ₹2363.52, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹2677.80 | ₹2410.02 - ₹2945.58 | +100.0% | EBITDA: ₹82976.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹3347.25 | ₹2677.80 - ₹4016.70 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹527.87 | ₹475.08 - ₹580.66 | -60.6% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹679.64 | ₹611.68 - ₹747.60 | -49.2% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹2677.80 | ₹2410.02 - ₹2945.58 | +100.0% | ROE: 16.5%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹2217.89 | ₹1996.10 - ₹2439.68 | +65.7% | EPS: ₹82.48, BVPS: ₹2650.64 |
| Dividend Yield Method | dividend | ₹401.67 | ₹361.50 - ₹441.84 | -70.0% | DPS: ₹12.00, Target Yield: 4.0% |
ICICIBANK Intrinsic Value vs Market Price — All Valuation Models
ICICI Bank fair value range ₹402–₹3347 vs current market price ₹1338.90 across 10 valuation models. Check ICICI Bank market cap to track the company's total market size over time.
ICICIBANK Intrinsic Value Analysis — Undervalued or Overvalued?
ICICI Bank median intrinsic value ₹2217.89, current price ₹1338.90 — Trading Below Calculated Value by 65.7%, margin of safety 39.6%.
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 ₹2217.89 (median value). With the current market price of ₹1338.90, this represents a +65.7% variance from our estimated fair value.
The valuation range spans from ₹401.67 to ₹3347.25, indicating ₹401.67 - ₹3347.25.
Is ICICIBANK undervalued or overvalued?
Based on our multi-method analysis, ICICI Bank (ICICIBANK) appears to be trading below calculated value by approximately 65.7%.
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 | 0.15 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 16.5% | 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 | 0.12x | 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 |