ICICIBANK vs SBIN
Side-by-side comparison of ICICI Bank Ltd. and State Bank of India. Descriptive only — not investment advice.
ICICI Bank Ltd.
Banking
Quality Score: 79/100
State Bank of India
Banking
Quality Score: 77/100
At a glance
| Metric | ICICIBANK | SBIN |
|---|---|---|
| Quality Score | 79/100 | 77/100 |
| P/E (trailing) | 18.5 | 11.4 |
| Forward P/E | 15.2 | 10.2 |
| ROE | +16.1% | +15.2% |
| Profit margin | +27.5% | +22.4% |
| Debt-to-equity | — | — |
| Dividend yield | +0.84% | +1.62% |
| 1Y price return | +0.9% | +34.8% |
| From 52w high | -2.6% | -12.1% |
| Analyst rating1 = Strong Buy, 5 = Strong Sell | 1.12 | 1.45 |
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).
SBIN trades at ₹1066, up 34.78% over the past year and 10.67% over 3 months, holding above both its 50-day (₹1029.88) and 200-day (₹1019.04) moving averages with RSI at 57.88 (neutral). Its trailing PE of 11.4 and ROE of 15.18% each rank 1st of 6 tracked Banking-sector peers, while the 8 tracked news items over the period run 5 positive, 3 neutral and 0 negative, including an August 7 report of Q1 FY27 standalone profit up 10.2% YoY to ₹21,121 crore.
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.
- ✓Trailing PE of 11.4 (forward 10.19) ranks 1st of 6 tracked Banking-sector peers; ROE of 15.18% also ranks 1st of 6.
- ✓Q1 FY27 standalone net profit rose 10.2% YoY to ₹21,121 crore on higher interest income, per an August 7 report.
- ✓Price is up 34.78% over 1 year and 10.67% over 3 months, trading above both the 50-DMA (₹1029.88) and 200-DMA (₹1019.04).
- ✓Mean analyst rating of 1.45 across 37 analysts (1–5 scale, lower = more constructive); 5 of 8 tracked news items over the period carry positive sentiment with none negative.
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.
- ✗ROE has cleared the 15% mark in only 3 of the tracked years, with a persistence consistency score of 59/100.
- ✗Free cash flow was positive in only 3 of the tracked years and the debt trend is flagged "rising" in the persistence data; a standalone debtToEquity figure isn't reported for this bank.
- ✗Stock is down 12.11% from its 52-week high even after the 1-year and 3-month gains.
- ✗Sector peer data is incomplete: 1-year price change isn't available for any of the 5 tracked Banking peers, and ROE is missing for 2 of them (Bajaj Finserv, Bajaj Finance), limiting how far the sector comparison can be pushed.
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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.