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 69% more annual revenue ($3.45T vs $2.04T). IBN leads profitability with a 27.5% profit margin vs 8.4%. BMA appears more attractively valued with a PEG of 0.47. IBN earns a higher WallStSmart Score of 79/100 (B+).

BMA

Strong Buy

70

out of 100

Grade: B

Growth: 6.7Profit: 6.0Value: 7.0Quality: 6.5
Piotroski: 3/9Altman Z: 0.71

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

BMA6 strengths · Avg: 9.2/10
PEG RatioValuation
0.4710/10

Growing faster than its price suggests

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Free Cash FlowQuality
$575.25B10/10

Generating 575.3B in free cash flow

Debt/EquityHealth
0.279/10

Conservative balance sheet, low leverage

Operating MarginProfitability
26.1%8/10

Strong operational efficiency at 26.1%

Revenue GrowthGrowth
21.4%8/10

Revenue surging 21.4% year-over-year

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

BMA3 concerns · Avg: 2.7/10
Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.712/10

Distress zone — elevated risk

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, Price/Book, Free Cash Flow. Revenue growth of 21.4% demonstrates continued momentum. 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 Return on Equity, Piotroski F-Score, Altman Z-Score.

Bear Case : IBN

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

Key Dynamics to Monitor

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

BMA carries more volatility with a beta of 0.41 — expect wider price swings.

BMA is growing revenue faster at 21.4% — sustainability is the question.

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

Bottom Line

IBN scores higher overall (79/100 vs 70/100), 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 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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