WallStSmart

Banco Bradesco SA ADR (BBD)vsICICI Bank Limited (IBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ICICI Bank Limited generates 2084% more annual revenue ($2.04T vs $93.28B). IBN leads profitability with a 27.5% profit margin vs 26.1%. IBN appears more attractively valued with a PEG of 0.53. IBN earns a higher WallStSmart Score of 79/100 (B+).

BBD

Strong Buy

73

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 6.3Quality: 3.5
Piotroski: 6/9Altman Z: 0.17

IBN

Strong Buy

79

out of 100

Grade: B+

Growth: 6.7Profit: 7.5Value: 7.0Quality: 3.5
Piotroski: 2/9Altman Z: -0.29

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BBD4 strengths · Avg: 9.8/10
P/E RatioValuation
8.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
34.5%10/10

Strong operational efficiency at 34.5%

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

IBN6 strengths · Avg: 8.7/10
Operating MarginProfitability
38.5%10/10

Strong operational efficiency at 38.5%

Market CapQuality
$103.54B9/10

Large-cap with strong market position

Profit MarginProfitability
27.5%9/10

Keeps 28 of every $100 in revenue as profit

PEG RatioValuation
0.538/10

Growing faster than its price suggests

P/E RatioValuation
17.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

BBD4 concerns · Avg: 2.3/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Free Cash FlowQuality
$-54.65B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.172/10

Distress zone — elevated risk

Debt/EquityHealth
4.441/10

Elevated debt levels

IBN2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.292/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BBD

The strongest argument for BBD centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 26.1% and operating margin at 34.5%.

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 38.5%. Revenue growth of 11.4% demonstrates continued momentum.

Bear Case : BBD

The primary concerns for BBD are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 4.44 is elevated, increasing financial risk.

Bear Case : IBN

The primary concerns for IBN are Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

IBN carries more volatility with a beta of 0.26 — expect wider price swings.

IBN is growing revenue faster at 11.4% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

IBN scores higher overall (79/100 vs 73/100), backed by strong 27.5% margins and 11.4% revenue growth. Both earn "Strong 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.

Banco Bradesco SA ADR

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Banco Bradesco SA, offers various banking products and services to individuals, corporations and companies in Brazil and internationally. The company is headquartered in Osasco, Brazil.

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.

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