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IBN

ICICI Bank Limited

IBN

ICICI Bank Limited • NYSE
$31.23 ▲ 0.71% (+0.22)
Market Cap $111.57 B
52w High $34.57
52w Low $27.42
Dividend Yield 0.26%
P/E 18.81
Volume 2.75M
Outstanding Shares 3.57B

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q2-2026 $761.466B ▲ $341.553B ▲ $133.57B ▼ 17.541% ▼ $37.42 ▼ $190.646B ▼
Q1-2026 $745.76B ▼ $301.066B ▼ $135.576B ▲ 18.18% ▲ $38.04 ▼ $195.57B ▼
Q4-2025 $797.468B ▲ $367.68B ▲ $135.022B ▲ 16.931% ▼ $38.22 ▲ $448.345B ▲
Q3-2025 $746.266B ▲ $322.24B ▲ $128.834B ▼ 17.264% ▼ $36.52 ▼ $185.013B ▼
Q2-2025 $729.426B $307.937B $129.478B 17.751% $36.78 $185.417B

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2026 $1.676T ▼ $26.865T ▲ $23.347T ▲ $3.356T ▲
Q1-2026 $1.968T ▼ $26.686T ▲ $23.232T ▲ $3.296T ▲
Q4-2025 $2.14T ▲ $26.422T ▲ $23.135T ▲ $3.139T ▲
Q3-2025 $1.725T ▲ $25.315T ▲ $22.232T ▲ $2.927T ▲
Q2-2025 $1.644T $25.165T $22.208T $2.801T

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q1-2026 $135.576B ▲ $0 $0 $0 $0 $0
Q4-2025 $135.022B ▲ $0 $0 $0 $0 $0
Q3-2025 $128.834B ▼ $0 $0 $0 $0 $0
Q2-2025 $129.478B ▲ $0 $0 $0 $0 $0
Q1-2025 $116.958B $0 $0 $0 $0 $0

Five-Year Company Overview

Income Statement

Income Statement ICICI Bank’s earnings profile looks solid and generally improving. Revenue has grown meaningfully over the five‑year period, with a particularly strong recent step‑up after a softer patch. Profits have risen steadily year after year, and earnings per share have climbed at a healthy pace, which suggests better pricing, improved efficiency, or stronger loan growth. There is some year‑to‑year bumpiness in operating profit, but the overall direction is clearly upward, pointing to a bank that has strengthened its core profitability over time rather than relying on one‑off gains.

Balance Sheet

Balance Sheet The balance sheet has expanded consistently, with total assets rising each year, which is what you want to see for a growing bank. Capital levels, reflected in shareholder equity, have increased steadily, showing that profits are being retained and the bank’s financial cushion is getting thicker. Borrowings have grown, but at a slower pace than equity, implying a gradual improvement in leverage and resilience. Cash balances move around but remain sizeable, which is typical for a large bank actively managing liquidity rather than a sign of stress.

Cash Flow

Cash Flow Cash flows are volatile, which is common in banking because changes in loans and deposits can swing reported operating cash flow from positive to negative. The pattern here shows strong underlying profitability but with some large cash outflows in certain years, likely tied to aggressive loan growth or investment in securities rather than day‑to‑day weakness. Free cash flow follows the same pattern, while spending on physical assets is relatively modest. The key takeaway is that accounting profits are stable and rising, while cash flows reflect balance sheet expansion and active growth choices rather than a simple cash shortfall story.

Competitive Edge

Competitive Edge ICICI Bank holds a strong competitive spot as one of India’s leading private banks, combining a powerful brand with both deep physical reach and advanced digital capabilities. Its large base of low‑cost deposits gives it an edge on funding costs, helping support lending margins. The bank also benefits from diversified activities across retail banking, corporate banking, and various financial subsidiaries, which spreads risk across different income streams. Main pressures come from intense competition with other large banks and fast‑moving fintech players, as well as ongoing regulatory scrutiny that is inherent in the banking sector.

Innovation and R&D

Innovation and R&D Innovation is one of ICICI Bank’s standout strengths. It has built a broad digital ecosystem—spanning mobile banking, SME platforms, and fully digitized lending journeys—that goes beyond basic online banking. Heavy use of data analytics, artificial intelligence, and automation underpins more personalized services and quicker credit decisions. The bank continues to invest heavily in technology, including cloud, blockchain experiments, and even early moves into metaverse‑style virtual branches and AI‑driven advisory tools. The upside is a strong technology moat and better customer stickiness; the risk is high ongoing tech spending and execution complexity as these advanced initiatives scale.

Summary

Overall, ICICI Bank comes across as a growing, increasingly profitable institution with a stronger capital base than it had a few years ago and a clear digital‑first strategy. The income statement trends are favorable, the balance sheet looks progressively more robust, and the bank is leaning into technology as a core differentiator. Key things to monitor are the quality of its loan book as it grows, the sustainability of earnings through different credit cycles, the impact of volatile cash flows tied to balance sheet expansion, and whether its substantial technology investments continue to translate into durable customer and revenue gains in a highly competitive Indian banking market.

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