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: 72/100
Kotak Mahindra Bank Ltd.
Banking
Quality Score: 58/100
At a glance
| Metric | ICICIBANK | KOTAKBANK |
|---|---|---|
| Quality Score | 72/100 | 58/100 |
| P/E (trailing) | 18.0 | 19.5 |
| Forward P/E | 14.8 | 13.5 |
| ROE | +16.4% | +11.4% |
| Profit margin | +24.9% | +26.1% |
| Debt-to-equity | — | — |
| Dividend yield | +0.82% | +0.13% |
| 1Y price return | -4.7% | -9.7% |
| From 52w high | -9.5% | -16.7% |
| Analyst rating1 = Strong Buy, 5 = Strong Sell | 1.23 | 1.72 |
Highlighted value = better on the metric (lower for P/E, D/E, drawdown, analyst rating; higher elsewhere). Descriptive only.
Snapshots
ICICI Bank trades at ₹1,346.50, fractionally above its 200-DMA (₹1,345.44) and 4.4% above its 50-DMA (₹1,289.74), after a -4.66% return over the past 12 months and a -9.54% drawdown from its 52-week high. Trailing PE is 18.0x versus a forward PE of 14.8x, with ROE at 16.36% — the second-highest among 6 ranked sector peers — and the bank holds the top quality score (64) in the peer group.
Kotak Mahindra Bank trades at ₹377.4, 7.1% below its 200-DMA of ₹406.31 and down 9.69% over the past 12 months. Trailing PE of 19.45 sits mid-range among banking peers, while ROE of 11.39% is the second-lowest in the peer group; 5-year revenue contracted 11% though earnings grew 9.8% over the same period, indicating margin expansion accompanied by shrinking top-line volume.
Pros
- ✓Highest quality score in the peer group: 64 out of 100, ahead of HDFCBANK (47), BAJFINANCE (51), AXISBANK (50), HDFCLIFE (20), and BAJAJFINSV (23).
- ✓ROE of 16.36% ranks 2nd among 6 sector peers; trailing PE of 18.0x is lower than BAJAJFINSV (29.0x) and BAJFINANCE (31.6x), and broadly comparable to HDFCBANK (17.4x).
- ✓Forward PE of 14.8x implies earnings growth embedded in consensus estimates, with 5-year earnings growth recorded at 8.4% and 5-year revenue growth at 66.9%.
- ✓RBI cleared the reappointment of CEO Sandeep Bakhshi through 2028, providing leadership continuity at a large-cap private bank.
- ✓Forward PE of 13.48 vs trailing PE of 19.45 — a 31% compression — reflects analyst consensus expectations of a meaningful earnings step-up in coming periods.
- ✓Profit margin of 26.05% is robust within the banking sector; 5-year earnings growth of 9.8% was achieved against a backdrop of revenue contraction, indicating cost and margin improvement.
- ✓RBI cleared Kotak Bank to acquire stakes of up to 9.99% each in AU Small Finance Bank and Federal Bank (May 2026), providing regulatory-approved inorganic growth optionality.
- ✓36-analyst coverage with a mean rating of 1.72 on a 1–5 scale (lower = more constructive) reflects broadly constructive institutional attention on the stock.
Cons
- ✗ROE has exceeded 15% in only 3 of the tracked persistence years, and FCF-positive years also number 3, indicating the quality metrics are not uniformly sustained across the full available history.
- ✗Debt trend is classified as rising, which in a bank context warrants monitoring against net interest margin dynamics and credit-cost evolution.
- ✗12-month price return is -4.66% despite the bank holding the highest sector quality score; the stock has not recouped its 52-week high, remaining 9.54% below it.
- ✗Three resistance clusters sit at ₹1,393, ₹1,417, and ₹1,434 — between 3% and 7% above the current price — while support levels are at ₹1,223, ₹1,214, and ₹1,188, representing 9–12% below current price.
- ✗ROE of 11.39% has not exceeded 15% in any tracked year (roeYearsAbove15 = 0) and ranks 5th of 6 among banking peers; rising debt trend and consistency score of 32 out of 100 underscore an uneven profitability record.
- ✗5-year revenue growth of -11% represents top-line contraction; the gap between trailing PE (19.45) and forward PE (13.48) signals that a substantial earnings recovery is already embedded in current valuations.
- ✗Price has remained below the 200-DMA (₹406.31) with declines of 9.69% over 12 months and 11.76% over 3 months; the stock sits 16.73% below its 52-week high.
- ✗Quality score of 47 ranks 4th of 6 among sector peers; FCF was positive in only 3 of available tracked years, lagging comparables such as Bajaj Finance (53) and HDFC Bank (50) on composite fundamentals.
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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.