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ICICI Bank Limited (IBN) Fair Value & Analysis

Financial Services · US · Market cap $100B

Price$29.00
Fair Value$20.83
Upside-28.2%
Quality96/100
Evidence: High Range $15.62 – $26.04

Fair value as of: Jun 25, 2026

Analysis

ICICI Bank Limited (IBN) currently trades at $29.00, while our model-based Fair Value estimate is $20.83 — implying the stock looks roughly 28.2% overvalued today. We read business quality at 96/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

ICICI Bank Limited, together with its subsidiaries, engages in the provision of various banking and financial services to retail and corporate customers in India and internationally. The company operates through Retail Banking, Wholesale Banking, Treasury, Other Banking, Life Insurance, General Insurance, and Others segments. It offers savings, salary, pension, current, trade, escrow, foreign currency, and vostro accounts, as well as time, fixed, recurring, and security deposits. The company also provides home, car, two-wheeler, personal, education, gold, and commercial business loans, as well as loans against securities, shares, mutual funds, and property; working capital finance, term loans, collateral free loans, loans without financials, finance for importers and exporters, and overdraft facilities, as well as loans for new entities and card swipes; and credit, debit, prepaid, travel, forex, and corporate cards. In addition, it offers pockets wallet; fixed income products; inves…

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Frequently asked questions

Is ICICI Bank Limited (IBN) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $20.83 versus a price of $29.00 — about −28% (overvalued). Model-based estimate, not financial advice.
What is the fair value of IBN?
Our 21-model fair value for ICICI Bank Limited is $20.83 (as of Jun 25, 2026), built from audited fundamentals. The current price is $29.00.
What is the quality score of IBN?
ICICI Bank Limited has a Quality Score of 96/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.