WallStSmart

ICICI Bank Limited (IBN)vsGrupo Supervielle SA (SUPV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ICICI Bank Limited generates 164% more annual revenue ($1.92T vs $728.99B). IBN leads profitability with a 27.5% profit margin vs -6.7%. SUPV appears more attractively valued with a PEG of 0.29. IBN earns a higher WallStSmart Score of 69/100 (B-).

IBN

Strong Buy

69

out of 100

Grade: B-

Growth: 5.3Profit: 8.0Value: 7.3Quality: 5.0

SUPV

Hold

39

out of 100

Grade: F

Growth: 3.3Profit: 2.0Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

IBNSignificantly Overvalued (-191.4%)

Margin of Safety

-191.4%

Fair Value

$10.68

Current Price

$26.31

$15.63 premium

UndervaluedFair: $10.68Overvalued
SUPVSignificantly Overvalued (-676.7%)

Margin of Safety

-676.7%

Fair Value

$1.50

Current Price

$9.06

$7.56 premium

UndervaluedFair: $1.50Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

IBN5 strengths · Avg: 8.8/10
Operating MarginProfitability
34.0%10/10

Strong operational efficiency at 34.0%

Market CapQuality
$95.10B9/10

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
16.6x8/10

Attractively priced relative to earnings

SUPV2 strengths · Avg: 10.0/10
PEG RatioValuation
0.2910/10

Growing faster than its price suggests

Free Cash FlowQuality
$56.03B10/10

Generating 56.0B in free cash flow

Areas to Watch

IBN2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
3.0%4/10

3.0% revenue growth

EPS GrowthGrowth
-3.7%2/10

Earnings declined 3.7%

SUPV4 concerns · Avg: 2.8/10
P/E RatioValuation
36.9x4/10

Premium valuation, high expectations priced in

Market CapQuality
$762.48M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-4.7%2/10

ROE of -4.7% — below average capital efficiency

Revenue GrowthGrowth
-29.8%2/10

Revenue declined 29.8%

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 34.0%. PEG of 0.53 suggests the stock is reasonably priced for its growth.

Bull Case : SUPV

The strongest argument for SUPV centers on PEG Ratio, Free Cash Flow. PEG of 0.29 suggests the stock is reasonably priced for its growth.

Bear Case : IBN

The primary concerns for IBN are Revenue Growth, EPS Growth.

Bear Case : SUPV

The primary concerns for SUPV are P/E Ratio, Market Cap, Return on Equity.

Key Dynamics to Monitor

IBN profiles as a value stock while SUPV is a turnaround play — different risk/reward profiles.

SUPV carries more volatility with a beta of 0.69 — expect wider price swings.

IBN is growing revenue faster at 3.0% — sustainability is the question.

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

Bottom Line

IBN scores higher overall (69/100 vs 39/100), backed by strong 27.5% margins. Both earn "Strong Buy" and "Hold" 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.

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Grupo Supervielle SA

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Grupo Supervielle SA, a financial services holding company, offers various banking products and services in Argentina. The company is headquartered in Buenos Aires, Argentina.

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