ICICIBANK vs KOTAKBANK
Side-by-side comparison of ICICI Bank Ltd. and Kotak Mahindra Bank Ltd.. Descriptive only — not investment advice.
ICICI Bank Ltd.
Banking
Quality Score: 79/100
Kotak Mahindra Bank Ltd.
Banking
Quality Score: 68/100
At a glance
| Metric | ICICIBANK | KOTAKBANK |
|---|---|---|
| Quality Score | 79/100 | 68/100 |
| P/E (trailing) | 18.5 | 19.3 |
| Forward P/E | 15.2 | 15.4 |
| ROE | +16.1% | — |
| Profit margin | +27.5% | +28.5% |
| Debt-to-equity | — | — |
| Dividend yield | +0.84% | +0.17% |
| 1Y price return | +0.9% | -1.6% |
| From 52w high | -2.6% | -13.0% |
| Analyst rating1 = Strong Buy, 5 = Strong Sell | 1.12 | 1.69 |
Highlighted value = better on the metric (lower for P/E, D/E, drawdown, analyst rating; higher elsewhere). Descriptive only.
Snapshots
ICICI Bank trades at ₹1,429.60, up 15.84% over the last 3 months but only 0.87% over the trailing 12 months, sitting 2.59% below its 52-week high and above both its 50-day (₹1,376.75) and 200-day (₹1,339.19) moving averages. Q1 FY27 net profit rose 16% YoY to ₹14,805 crore with reportedly improved asset quality, and the stock trades at a trailing PE of 18.49x (forward PE 15.21x) against an ROE of 16.07% and a 27.53% profit margin. Mean analyst rating stands at 1.12 across 41 analysts (1-5 scale, lower = more constructive).
Kotak Mahindra Bank trades at ₹393.5, up 2.87% over 3 months but down 1.57% over 12 months, 13.02% below its 52-week high and below its 200-DMA (₹401.52). It carries a PE of 19.28 (forward PE 15.38), a profit margin of 28.47%, and ranks 2nd of 6 tracked Banking-sector peers on composite quality score. Recent news flow is positive (7 of 8 headlines), driven largely by 16-27% YoY Q1 FY27 profit growth and a leadership transition naming co-CEOs and a vice chairman.
Pros
- ✓ROE of 16.07% ranks 1st of 6 tracked Banking-sector peers, ahead of Axis Bank (13.35%), HDFC Bank (13.84%) and HDFC Life (10.80%).
- ✓Q1 FY27 net profit rose 16% YoY to ₹14,805 crore, beating estimates, with asset quality reported as improved.
- ✓Trailing PE of 18.49x ranks 3rd of 6 tracked peers, below Bajaj Finance (33.63x), Bajaj Finserv (32.12x) and HDFC Life (58.71x).
- ✓Completed issuance of USD 1 billion senior unsecured notes under its USD 7.5 billion Global Medium Term Note programme, alongside a return to dollar-bond markets.
- ✓Profit margin of 28.47% alongside 5-year revenue growth of 21% and earnings growth of 22.5%.
- ✓Analyst coverage of 36 analysts averages 1.69 on a 1-5 scale (lower = more constructive).
- ✓Quality score of 69 ranks 2nd of 6 tracked Banking-sector peers; PE of 19.28 ranks 3rd of 6, below peers such as HDFCLIFE (58.71) and BAJFINANCE (33.63).
- ✓Q1 FY27 results reported PAT growth of 23-27% YoY across sources (figures cited: ₹4,123 crore and ₹5,480 crore), with loan growth cited as a driver.
Cons
- ✗ROE cleared the 15% threshold in only 3 of the last 5 tracked years and free cash flow was positive in only 3 of 5 years (consistency score 75/100), despite the current 16.07% reading.
- ✗Debt-to-equity is not reported in this snapshot; standard leverage and FCF-persistence metrics built for non-financial companies have limited direct read-through to a bank's balance sheet, where capital adequacy and NPA trends carry more information.
- ✗The tracked Banking-sector peer set mixes two traditional banks with two NBFCs and one insurer, and 1-year price-change data is unavailable for all 5 peers, limiting how far the PE/ROE/quality-score rankings can be read.
- ✗A recent report flagged insiders selling ₹282 million of stock, and 3 of the 8 tracked news items trace to the same Q1 results event, concentrating the sentiment tally in one catalyst.
- ✗Persistence tracking shows 0 years with ROE above 15% and a consistency score of 32/100, with the debt trend over the tracked period classified as rising.
- ✗Price is 13.02% below its 52-week high and below the 200-DMA (₹401.52), despite trading just above the 50-DMA (₹390).
- ✗12-month price change is -1.57%, a divergence from the predominantly positive recent news flow.
- ✗ROE and debt-to-equity are not populated in the current fundamental snapshot, and priceChange1Y is unavailable for all listed peers, limiting benchmarking.
Want the full analysis for either stock?
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Comparison reflects current public data; consult a registered adviser before any investment decision.