AI Summary
✦ ClarthaPrice Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
From 41 analysts
Fundamentals
Fundamentals institutional score is 72 using EVA spread proxy 4.1%; growth durability 66.7.
Valuation
Valuation institutional score is 46 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 84 using mean target upside 21.2%; dispersion penalty 8.7; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 81 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is balanced or not decisive enough to tilt the tape. Based on 10 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. fundamentals and analyst consensus provide support, while valuation and market sentiment remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Trading 14.9% above historical median. Valuation is stable — currently in the strongly overvalued zone (z-score: +1.25). Confidence: 87%.
Live forward EPS implies next-12-month EPS of ₹94.00. Applying the stock's normalized valuation corridor produces a fair range of ₹1,326.34 to ₹1,661.92, with base value near ₹1,512.46 (+5.8% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹94.00
Forward P/E
15.2x
Base Fair Value
₹1,512.46
Fair Range
₹1,326.34 - ₹1,661.92
Upside To Base
+5.8%
Estimate Source
Live forward EPS
Growth Estimate
+13.8%
5Y Average
2.77
Current
2.70
Overvalued
3.18
Undervalued
2.35
5Y Average
13.77
Current
18.49
Overvalued
17.68
Undervalued
14.11
5Y Average
3.75
Current
5.03
Overvalued
4.31
Undervalued
3.19
Peers & Comparison
Sector: Financials · Theme: Private Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
HDFC BANK LTD HDFCBANKPrivate Banks | +16.6% | 26.8% | 15.9x Fair | -7% vs avg | -25.8% |
KOTAK MAHINDRA BANK LTD KOTAKBANKPrivate Banks | +21.0% | 28.5% | 19.1x Fair | +12% vs avg | +0.4% |
AXIS BANK LIMITED AXISBANKPrivate Banks | +14.0% | 36.0% | 13.7x Undervalued | -20% vs avg | +16.6% |
SHRIRAM FINANCE LIMITED SHRIRAMFINConsumer Finance | +42.8% | 50.0% | 19.9x Premium | +16% vs avg | +85.9% |
ICICI BANK LTD. trades in line with peers (18.4x vs avg 17.1x), reflecting a fair valuation within the Private Banks cohort. Peers include HDFC BANK LTD, KOTAK MAHINDRA BANK LTD, AXIS BANK LIMITED — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹45.67K CrJun 2026Latest net profit
₹14.80K CrJun 2026Free cash flow
₹62.02K CrMar 2026Net Profit
₹14.80K CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 33,328 | 34,920 | 36,695 | 37,948 | 38,996 | 40,537 | 41,300 | 42,431 | 42,947 | 41,758 | 41,966 | 43,275 | 45,671 |
| Interest | 15,101 | 16,612 | 18,016 | 18,856 | 19,443 | 20,489 | 20,929 | 21,238 | 21,312 | 20,228 | 20,034 | 20,296 | 21,286 |
| Expenses + | 10,815 | 10,438 | 11,101 | 10,421 | 11,862 | 11,735 | 11,779 | 11,679 | 13,208 | 12,721 | 14,500 | 12,185 | 13,835 |
| Financing Profit | 7,411 | 7,870 | 7,577 | 8,671 | 7,691 | 8,313 | 8,592 | 9,513 | 8,426 | 8,808 | 7,432 | 10,794 | 10,550 |
| Financing Margin % | 22% | 23% | 21% | 23% | 20% | 21% | 21% | 22% | 20% | 21% | 18% | 25% | 23% |
| Other Income + | 5,435 | 5,777 | 6,097 | 5,649 | 7,002 | 7,177 | 7,068 | 7,260 | 8,505 | 7,576 | 7,368 | 7,309 | 8,576 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 12,847 | 13,647 | 13,674 | 14,320 | 14,693 | 15,490 | 15,660 | 16,774 | 16,931 | 16,384 | 14,800 | 18,103 | 19,126 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 24% | 25% | 25% | 25% | 25% | 24% | 24% | 23% |
| Net Profit + | 9,648 | 10,261 | 10,272 | 10,708 | 11,059 | 11,746 | 11,792 | 12,630 | 12,768 | 12,359 | 11,318 | 13,702 | 14,804 |
| EPS in Rs | 13.79 | 14.65 | 14.64 | 15.25 | 15.72 | 16.67 | 16.70 | 17.73 | 17.89 | 17.30 | 15.83 | 19.14 | 20.64 |
| Gross NPA % | 2.76% | 2.48% | 2.30% | 2.16% | 2.15% | 1.97% | 1.96% | 1.67% | 1.67% | 1.58% | 1.53% | 1.40% | 1.38% |
| Net NPA % | 0.48% | 0.43% | 0.44% | 0.42% | 0.43% | 0.42% | 0.42% | 0.39% | 0.41% | 0.39% | 0.37% | 0.33% | 0.35% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations, 2015
Disclosure Under Regulation 30 Read With Para A Of Schedule III And Regulation 46(2) Of The SEBI (LODR) Regulations, 2015
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS