WallStSmart

Banco Macro SA B ADR (BMA)vsICICI Bank Limited (IBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Banco Macro SA B ADR generates 87% more annual revenue ($4.06T vs $2.17T). IBN leads profitability with a 24.9% profit margin vs 7.1%. BMA appears more attractively valued with a PEG of 0.47. IBN earns a higher WallStSmart Score of 81/100 (A-).

BMA

Buy

54

out of 100

Grade: C-

Growth: 2.7Profit: 5.0Value: 7.0Quality: 4.5
Piotroski: 3/9Altman Z: 0.71

IBN

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.0Profit: 7.0Value: 7.0Quality: 4.3
Piotroski: 2/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BMA5 strengths · Avg: 9.0/10
PEG RatioValuation
0.4710/10

Growing faster than its price suggests

Free Cash FlowQuality
$593.98B10/10

Generating 594.0B in free cash flow

Debt/EquityHealth
0.259/10

Conservative balance sheet, low leverage

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Operating MarginProfitability
24.1%8/10

Strong operational efficiency at 24.1%

IBN6 strengths · Avg: 9.0/10
Operating MarginProfitability
33.3%10/10

Strong operational efficiency at 33.3%

Revenue GrowthGrowth
66.9%10/10

Revenue surging 66.9% year-over-year

Market CapQuality
$90.62B9/10

Large-cap with strong market position

Profit MarginProfitability
24.9%9/10

Keeps 25 of every $100 in revenue as profit

PEG RatioValuation
0.538/10

Growing faster than its price suggests

P/E RatioValuation
16.1x8/10

Attractively priced relative to earnings

Areas to Watch

BMA4 concerns · Avg: 2.8/10
Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Profit MarginProfitability
7.1%3/10

7.1% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-3.3%2/10

Revenue declined 3.3%

IBN1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : BMA

The strongest argument for BMA centers on PEG Ratio, Free Cash Flow, Debt/Equity. PEG of 0.47 suggests the stock is reasonably priced for its growth.

Bull Case : IBN

The strongest argument for IBN centers on Operating Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 24.9% and operating margin at 33.3%. Revenue growth of 66.9% demonstrates continued momentum.

Bear Case : BMA

The primary concerns for BMA are Return on Equity, Profit Margin, Piotroski F-Score.

Bear Case : IBN

The primary concerns for IBN are Piotroski F-Score.

Key Dynamics to Monitor

BMA profiles as a value stock while IBN is a growth play — different risk/reward profiles.

BMA carries more volatility with a beta of 0.50 — expect wider price swings.

IBN is growing revenue faster at 66.9% — sustainability is the question.

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

Bottom Line

IBN scores higher overall (81/100 vs 54/100), backed by strong 24.9% margins and 66.9% revenue growth. Both earn "Exceptional Buy" and "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 Macro SA B ADR

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Banco Macro SA offers various banking products and services to retail and corporate clients in Argentina. The company is headquartered in Buenos Aires, Argentina.

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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