ICICIBANK · Regional Banks · INE090A01021
Analyst mean 1.41 · 39 analysts · 51% bullishWhat the numbers mean when read together — computed from the filings, not a score.
Operating cash flow is 113% of trailing profit — the earnings are converting to cash, not just accruals.
Last operating cash flow ₹67,325 cr against trailing net profit ₹59,756 cr. A ratio at or above ~0.9 means reported profit is showing up as real cash.
Both revenue and profit grew over the last year (4% and 5.6%) — growth is translating to the bottom line.
Trailing revenue ₹198,380 cr, trailing profit ₹59,756 cr. Profit growing at least as fast as revenue indicates operating leverage or pricing power.
Free cash flow swings between positive and negative across the cycle.
Latest ₹63,778 cr, negative in 2 of 12 years.
Other income is 151% of pre-tax profit — a large share of the profit comes from outside the core operating business.
Trailing other income ₹118,852 cr against pre-tax profit ₹78,870 cr. High other-income dependence means the headline profit is flattered by treasury, one-offs, or non-operating items rather than the core business.
Markers show corporate actions (splits, bonus, dividends). Prices are split-adjusted so the series is continuous.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 46,326 | 47,037 | 48,387 | 49,080 | 48,181 | 48,364 | 49,594 | 52,241 |
| Expenses | 32,221 | 33,510 | 37,588 | 31,991 | 35,065 | 37,154 | 41,823 | 35,318 |
| Other Income | 26,617 | 27,589 | 31,361 | 25,496 | 27,966 | 28,418 | 35,020 | 27,448 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 18,496 | 18,483 | 19,113 | 19,494 | 19,065 | 17,754 | 20,744 | 21,307 |
| Net Profit | 13,906 | 13,847 | 14,354 | 14,456 | 14,318 | 13,481 | 15,681 | 16,276 |
| EPS | 18.38 | 18.25 | 18.96 | 19.00 | 18.70 | 17.53 | 20.61 | 21.52 |
| Item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Equity Capital | 1,383 | 1,390 | 1,397 | 1,405 | 1,425 | 1,432 |
| Reserves | 156,204 | 180,663 | 213,101 | 254,739 | 312,481 | 361,628 |
| Borrowings | — | — | — | — | — | — |
| Fixed Assets | 10,809 | 10,707 | 11,070 | 15,714 | 24,272 | 27,970 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 536,579 | 567,098 | 639,552 | 827,163 | 886,377 | 870,720 |
| Total Assets | 1,573,812 | 1,752,637 | 1,958,490 | 2,364,063 | 2,642,241 | 2,914,498 |