ICICI Bank Limited vs Indian Railway Finance Corporation Limited

A side-by-side comparison of ICICI Bank Limited (ICICIBANK) and Indian Railway Finance Corporation Limited (IRFC) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

The verdict

On the numbers, ICICI Bank Limited leads ICICIBANK vs IRFC on 10 of 14 metrics. See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation13
  • Profitability31
  • Growth20
  • Size & financial health40
ValueReturnsMarginGrowthScaleLow debt

Each axis shows this group's split of that metric, scaled so the leader sits at the edge. Relative to each other, not an absolute score.

Valuation

IRFC takes 3/4

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

18.41
P/E ratio
14.97
2.66
P/B ratio
1.87
0.87%
Dividend yield
2.59%
₹75.89
EPS
₹5.36

Profitability

ICICIBANK takes 3/4

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

14.28%
Return on equity
12.35%
5.70%
Return on capital
5.48%
0.00%
EBITDA margin
98.84%
29.68%
Net margin
25.69%

Growth

ICICIBANK takes 2/2

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

6.96%
Revenue CAGR (3Y)
4.53%
7.93%
Profit CAGR (3Y)
3.42%

Size & financial health

ICICIBANK takes 4/4

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

₹10.03L Cr
Market cap
₹1.05L Cr
₹1.95L Cr
Revenue
₹27,285 Cr
₹57,936 Cr
Net profit
₹7,009 Cr
0.00
Debt / equity
7.69
ICICI Bank Limited
  • + ["Company has delivered good profit growth of 23.3% CAGR over last 5 years"]
  • − []
Indian Railway Finance Corporation Limited
  • + ["Company has been maintaining a healthy dividend payout of 39.2%"]
  • − []
ICICI Bank Limited full analysis Indian Railway Finance Corporation Limited full analysis

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