ICICI Bank Limited (IBN)vsWintrust Financial Corporation (WTFC)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
WTFC
Wintrust Financial Corporation
$136.93
+0.61%
FINANCIAL SERVICES · Cap: $9.16B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 73134% more annual revenue ($1.92T vs $2.63B). WTFC leads profitability with a 31.4% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. WTFC earns a higher WallStSmart Score of 75/100 (B+).
IBN
Strong Buy69
out of 100
Grade: B-
WTFC
Strong Buy75
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
+64.7%
Fair Value
$436.67
Current Price
$136.93
$299.74 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
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 46.6%
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
Weak financial health signals
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 : WTFC
The strongest argument for WTFC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.4% and operating margin at 46.6%. Revenue growth of 10.5% demonstrates continued momentum.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : WTFC
The primary concerns for WTFC are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
IBN profiles as a value stock while WTFC is a mature play — different risk/reward profiles.
WTFC carries more volatility with a beta of 0.86 — expect wider price swings.
WTFC is growing revenue faster at 10.5% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WTFC scores higher overall (75/100 vs 69/100), backed by strong 31.4% margins and 10.5% 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 →Wintrust Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Wintrust Financial Corporation is a financial holding company. The company is headquartered in Rosemont, Illinois.
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