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 58% more annual revenue ($3.22T vs $2.04T). IBN leads profitability with a 27.5% profit margin vs 7.6%. BMA appears more attractively valued with a PEG of 0.47. IBN earns a higher WallStSmart Score of 71/100 (B).

BMA

Buy

58

out of 100

Grade: C

Growth: 2.7Profit: 5.5Value: 7.0Quality: 4.5
Piotroski: 3/9Altman Z: 0.71

IBN

Strong Buy

71

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 6.3Quality: 3.5
Piotroski: 2/9Altman Z: -0.29

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BMA4 strengths · Avg: 9.8/10
PEG RatioValuation
0.4710/10

Growing faster than its price suggests

Operating MarginProfitability
69.1%10/10

Strong operational efficiency at 69.1%

Free Cash FlowQuality
$593.98B10/10

Generating 594.0B in free cash flow

Debt/EquityHealth
0.259/10

Conservative balance sheet, low leverage

IBN5 strengths · Avg: 8.8/10
Operating MarginProfitability
38.5%10/10

Strong operational efficiency at 38.5%

Market CapQuality
$105.63B9/10

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

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

BMA4 concerns · Avg: 3.3/10
Price/BookValuation
16.3x4/10

Trading at 16.3x book value

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Profit MarginProfitability
7.6%3/10

7.6% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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 : BMA

The strongest argument for BMA centers on PEG Ratio, Operating Margin, Free Cash Flow. 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, 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 : BMA

The primary concerns for BMA are Price/Book, Return on Equity, Profit Margin.

Bear Case : IBN

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

Key Dynamics to Monitor

BMA profiles as a value stock while IBN is a mature 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 11.4% — sustainability is the question.

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

Bottom Line

IBN scores higher overall (71/100 vs 58/100), backed by strong 27.5% margins and 11.4% revenue growth. Both earn "Strong 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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