Axos Financial Inc (AX)vsICICI Bank Limited (IBN)
AX
Axos Financial Inc
$85.69
+1.44%
FINANCIAL SERVICES · Cap: $4.79B
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 151809% more annual revenue ($1.92T vs $1.27B). AX leads profitability with a 36.0% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. AX earns a higher WallStSmart Score of 83/100 (A-).
AX
Exceptional Buy83
out of 100
Grade: A-
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+72.7%
Fair Value
$347.35
Current Price
$85.69
$261.66 discount
Margin of Safety
-191.4%
Fair Value
$10.68
Current Price
$26.31
$15.63 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 50.6%
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 21.8% year-over-year
Strong operational efficiency at 34.0%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Distress zone — elevated risk
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : AX
The strongest argument for AX centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.0% and operating margin at 50.6%. Revenue growth of 21.8% demonstrates continued momentum.
Bull Case : IBN
The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 34.0%. PEG of 0.53 suggests the stock is reasonably priced for its growth.
Bear Case : AX
The primary concerns for AX are Altman Z-Score.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
AX profiles as a growth stock while IBN is a value play — different risk/reward profiles.
AX carries more volatility with a beta of 1.29 — expect wider price swings.
AX is growing revenue faster at 21.8% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AX scores higher overall (83/100 vs 69/100), backed by strong 36.0% margins and 21.8% revenue growth. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Axos Financial Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Axos Financial, Inc. offers commercial and consumer banking products in the United States. The company is headquartered in Las Vegas, Nevada.
Visit Website →ICICI Bank Limited
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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