ICICI Bank Limited (IBN)vsIntercorp Financial Services Inc (IFS)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
IFS
Intercorp Financial Services Inc
$48.27
-1.00%
FINANCIAL SERVICES · Cap: $5.73B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 35006% more annual revenue ($1.92T vs $5.48B). IFS leads profitability with a 35.8% profit margin vs 27.5%. IFS trades at a lower P/E of 10.2x. IFS earns a higher WallStSmart Score of 72/100 (B).
IBN
Strong Buy69
out of 100
Grade: B-
IFS
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-191.4%
Fair Value
$10.68
Current Price
$26.31
$15.63 premium
Margin of Safety
+75.0%
Fair Value
$205.64
Current Price
$48.27
$157.37 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 41.2%
Reasonable price relative to book value
Earnings expanding 21.2% YoY
Generating 2.2B in free cash flow
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : IFS
The strongest argument for IFS centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 35.8% and operating margin at 41.2%. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : IFS
The primary concerns for IFS are Altman Z-Score.
Key Dynamics to Monitor
IBN profiles as a value stock while IFS is a mature play — different risk/reward profiles.
IFS carries more volatility with a beta of 0.81 — expect wider price swings.
IFS is growing revenue faster at 12.2% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IFS scores higher overall (72/100 vs 69/100), backed by strong 35.8% margins and 12.2% 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.
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 →Intercorp Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Intercorp Financial Services Inc. provides banking, insurance and wealth management services for retail and commercial clients in Peru. The company is headquartered in Lima, Peru.
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