WallStSmart

ICICI Bank Limited (IBN)vsKeyCorp (KEY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ICICI Bank Limited generates 27540% more annual revenue ($2.04T vs $7.37B). KEY leads profitability with a 27.5% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. KEY earns a higher WallStSmart Score of 77/100 (B+).

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

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 6/9Altman Z: 0.06

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

Strong operational efficiency at 38.5%

Market CapQuality
$107.56B9/10

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

KEY5 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
34.9%10/10

Strong operational efficiency at 34.9%

Profit MarginProfitability
27.5%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
13.2x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
25.3%8/10

Earnings expanding 25.3% YoY

Areas to Watch

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

KEY3 concerns · Avg: 2.7/10
PEG RatioValuation
1.694/10

Expensive relative to growth rate

Free Cash FlowQuality
$-74.00M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.062/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : KEY

The strongest argument for KEY centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 34.9%. Revenue growth of 10.1% demonstrates continued momentum.

Bear Case : IBN

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

Bear Case : KEY

The primary concerns for KEY are PEG Ratio, Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

KEY carries more volatility with a beta of 1.02 — 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

KEY scores higher overall (77/100 vs 71/100), backed by strong 27.5% margins and 10.1% 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 →

KeyCorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

KeyBank, the primary subsidiary of KeyCorp, is a regional bank headquartered in Cleveland.

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