IBN vs HDB Comparison: AI Score, Valuation, Performance and Upside
Compare ICICI Bank and HDFC Bank by loan growth, asset quality, net interest margin, and rupee currency risk.
Use this ICICI Bank vs HDFC Bank comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
IBN holds the edge across 3 of 5 key metrics in this comparison. IBN leads on both 1-year return (-4.60%) and forward P/E quality (14.64x vs 15.99x for HDB), a relatively favorable combination of momentum and valuation. HDB leads on both revenue growth (80.80%) and operating margin (38.48%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for HDB (+37.17%) than for IBN (+28.14%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
| Metric | IBN | HDB |
|---|---|---|
| AI scorei | 53.7 | 43.7 |
| AI ranki | #319 | #1086 |
| Latest closei | $29.46 | $22.09 |
| 1M returni | +5.55% | -3.07% |
| 3M returni | +0.67% | -4.91% |
| 6M returni | +7.63% | -13.88% |
| 1Y returni | -4.60% | -39.41% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | IBN | HDB |
|---|---|---|
| 1Y ago | $9.62K (-3.8%) started 2025-10-23 | $6.06K (-39.4%) started 2025-10-23 |
| 5Y ago | $14.57K (+45.7%) started 2021-10-25 | $6.59K (-34.1%) started 2021-10-25 |
| 10Y ago | $41.39K (+313.9%) started 2016-10-24 | $14.72K (+47.2%) started 2016-10-24 |
Hypothetical — past performance does not guarantee future results.
| Metric | IBN | HDB |
|---|---|---|
| Market capi | $105.76B | $113.6B |
| Trailing P/Ei | 16.74 | 14.25 |
| Forward P/Ei | 14.64 | 15.99 |
| Price/Salesi | 0.05 | 0.04 |
| EV/Revenuei | 0.24 | 1.36 |
| Analyst targeti | $37.75 | $30.30 |
| Target upsidei | +28.14% | +37.17% |
| Metric | IBN | HDB |
|---|---|---|
| Revenue growthi | 15.80% | 80.80% |
| Earnings growthi | 22.10% | 21.30% |
| EPS growthi | +22.10% | +21.30% |
| FCF margini | N/A | N/A |
| Operating margini | 37.52% | 38.48% |
| Profit margini | 27.84% | 26.53% |
| ROIC proxyi | 16.49% | 11.00% |
| Return on equityi | 16.49% | 11.00% |
| Dividend yieldi | 0.85% | 1.85% |
| Payout ratioi | 14.16% | 23.43% |
| Dividend growth streaki | 4 yrs | 1 yr |
| Betai | 0.26 | 0.41 |
| Debt/equityi | N/A | N/A |
| Current ratioi | N/A | N/A |
| Quick ratioi | N/A | N/A |
Over the past year, IBN and HDB have moved moderately in the same direction (correlation of 0.62), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | IBN | HDB |
|---|---|---|---|
| 1Y | Growthi | -4.60% | -39.41% |
| CAGRi | -4.61% | -39.43% | |
| Volatilityi | 21.51% | 29.68% | |
| Sharpe ratioi | -0.32 | -1.70 | |
| Sortino ratioi | -0.47 | -2.19 | |
| Max drawdowni | 19.69% | 41.18% | |
| Current drawdowni | 5.33% | 40.51% | |
| Avg drawdowni | 7.45% | 24.15% | |
| Ulcer Indexi | 9.30% | 27.90% | |
| Max daily dropi | 4.44% | 10.54% | |
| Max wkly dropi | 7.68% | 12.50% | |
| 5Y | Growthi | +40.05% | -38.43% |
| CAGRi | +6.98% | -9.25% | |
| Volatilityi | 23.07% | 27.66% | |
| Sharpe ratioi | 0.21 | -0.38 | |
| Sortino ratioi | 0.30 | -0.51 | |
| Max drawdowni | 26.24% | 43.98% | |
| Current drawdowni | 12.98% | 43.34% | |
| Avg drawdowni | 7.96% | 17.04% | |
| Ulcer Indexi | 10.07% | 19.87% | |
| Max daily dropi | 9.00% | 10.54% | |
| Max wkly dropi | 15.82% | 14.59% | |
| 10Y | Growthi | +292.48% | +33.79% |
| CAGRi | +14.66% | +2.95% | |
| Volatilityi | 31.12% | 29.62% | |
| Sharpe ratioi | 0.45 | 0.10 | |
| Sortino ratioi | 0.67 | 0.13 | |
| Max drawdowni | 55.05% | 54.28% | |
| Current drawdowni | 12.98% | 43.34% | |
| Avg drawdowni | 10.00% | 15.95% | |
| Ulcer Indexi | 14.16% | 19.59% | |
| Max daily dropi | 13.97% | 16.27% | |
| Max wkly dropi | 32.88% | 30.55% |
| Category | IBN | HDB |
|---|---|---|
| Company | IBN | HDB |
| Sector | N/A | N/A |
| Industry | Banks - Regional | Banks - Regional |
| Core business | ICICI Bank Limited, together with its subsidiaries, engages in the provision of various banking and financial services to corporate and retail customers in India and internationally. | HDFC Bank Limited provides banking and financial products and services to individuals and businesses in India, Bahrain, Hong Kong, Singapore, and Dubai. |
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AI score, forward P/E, analyst target upside, operating margin, and revenue growth are scored head-to-head, with a running tally of which ticker leads on how many metrics.
Volatility, Sharpe and Sortino ratios, maximum, current, and average drawdown, Ulcer Index, and worst single-day and single-week drops across every timeframe.
Pairwise daily-return correlation for every combination, so you can see whether two holdings actually diversify each other or just move together.
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