IBN · NYSE · STOCK
ICICI Bank Limited
$29.88
52W $25.08 – $33.39
64/100
$106.83B
18.2
0.23
Is IBN Bullish or Bearish?
Bullish.
Innellis AI committee rates ICICI Bank Limited (IBN) Buy with a composite score of 64/100
, based on 4 analysts with 50% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +10.94 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -9.06 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- Price structure making higher highs and higher lows — Technical
- VIX regime is low -- calm backdrop supports risk-taking — Macro
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Daily trend (uptrend) conflicts with the weekly trend (downtrend) -- fighting the larger trend — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 11, 2026
Overall Committee Score
64/100
Agreement
50%
Analysts
4
Conviction
Contested
Sector Rank
Top 45%
of 209 Financial Services peers
Technical Analyst
neutral
51
/ 100 · High confidence
Mixed or range-bound price action
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
70
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
45.4
Neutral
MACD Histogram
-0.072
Bearish Momentum
Trend Direction
Uptrend
Weekly: Downtrend
Market Structure
Mixed
Support
$29.67
Resistance
$31.68
Bollinger %B
0.47
Inside Bands
Price vs Moving Averages
EMA 9
$30.10
Below
EMA 21
$29.84
Above
EMA 50
$29.07
Above
EMA 200
$29.00
Above
Fundamental Analysis
Valuation
56
Profitability
72
Financial Health
48
Cash Flow
15
Valuation
P/E Ratio
18.2×
P/B Ratio
2.69×
PEG Ratio
3.77
Dividend Yield
0.84%
52W High
$33.39
52W Low
$25.08
Quality & Growth
ROE
1493.1%
ROA
186.0%
Gross Margin
6852.7%
Operating Margin
2646.4%
Revenue Growth YoY
—
Debt / Equity
0.59
AI Fundamental Assessment
[reduced confidence: limited earnings history] P/E ratio of 18.2 (inexpensive relative to a 15-40x range); Price-to-book of 2.7x; PEG ratio of 3.8 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 14.9%; Return on assets of 1.9%; Net margin of 18.8%; Gross margin of 68.5%; Current ratio of 0.11 (tight short-term liquidity); Debt-to-equity of 0.59; Free cash flow per share is negative (-65.91); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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