ICICI BANK LTD. vs ICICI LOMBARD GIC LIMITED

A side-by-side comparison of ICICI BANK LTD. (ICICIBANK) and ICICI LOMBARD GIC LIMITED (ICICIGI) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

The verdict

On the numbers, ICICI BANK LTD. leads ICICIBANK vs ICICIGI on 7 of 14 metrics (2 tied). See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

Valuation

How expensive each stock is relative to its earnings and book value. Lower usually means cheaper.

19.08
P/E ratio
31.86
2.78
P/B ratio
5.32
0.78%
Dividend yield
0.75%
₹75.71
EPS
₹50.60

Profitability

How efficiently each company turns capital and sales into profit. Higher is better.

16.10%
Return on equity
16.66%
7.20%
Return on capital
24.00%
0.00%
EBITDA margin
14.00%
0.00%
Net margin
10.47%

Growth

Three-year compounded growth. Faster-growing businesses can justify a higher valuation.

Revenue CAGR (3Y)
14.75%
17.78%
Profit CAGR (3Y)
17.04%

Size & financial health

Scale and balance-sheet strength. Bigger revenue/profit and lower debt are generally safer.

₹10.34L Cr
Market cap
₹80,364 Cr
₹0 Cr
Revenue
₹23,961 Cr
₹57,936 Cr
Net profit
₹2,508 Cr
0.00
Debt / equity
0.00
ICICI BANK LTD.
  • ["Stock is trading at 2.78 times its book value", "Company has low interest coverage ratio.", "Contingent liabilities of Rs.80,16,362 Cr.", "Earnings include an other income of Rs.1,16,900 Cr.", "Working capital days have increased from 75.8 days to 135 days"]
ICICI LOMBARD GIC LIMITED
  • + ["Company is almost debt free.", "Company has been maintaining a healthy dividend payout of 25.7%"]
ICICI BANK LTD. full analysis ICICI LOMBARD GIC LIMITED full analysis

This comparison is for informational purposes only and is not investment advice. Please consult a SEBI-registered advisor before investing.