WallStSmart

Banco Macro SA B ADR (BMA)vsICICI Bank Limited (IBN)

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Smart Verdict

WallStSmart Research — data-driven comparison

Banco Macro SA B ADR generates 111% more annual revenue ($4.07T vs $1.92T). IBN leads profitability with a 27.5% profit margin vs 7.1%. BMA appears more attractively valued with a PEG of 0.47. IBN earns a higher WallStSmart Score of 69/100 (B-).

BMA

Buy

56

out of 100

Grade: C

Growth: 3.3Profit: 5.0Value: 7.3Quality: 3.3
Piotroski: 2/9Altman Z: -0.16

IBN

Strong Buy

69

out of 100

Grade: B-

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

Multi-model valuation · Graham Formula

BMASignificantly Overvalued (-433.3%)

Margin of Safety

-433.3%

Fair Value

$17.68

Current Price

$71.78

$54.10 premium

UndervaluedFair: $17.68Overvalued
IBNSignificantly Overvalued (-191.4%)

Margin of Safety

-191.4%

Fair Value

$10.68

Current Price

$26.31

$15.63 premium

UndervaluedFair: $10.68Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BMA1 strengths · Avg: 10.0/10
PEG RatioValuation
0.4710/10

Growing faster than its price suggests

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

Areas to Watch

BMA4 concerns · Avg: 3.5/10
P/E RatioValuation
27.1x4/10

Moderate valuation

Price/BookValuation
12.2x4/10

Trading at 12.2x book value

Return on EquityProfitability
6.3%3/10

ROE of 6.3% — below average capital efficiency

Profit MarginProfitability
7.1%3/10

7.1% margin — thin

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%

Comparative Analysis Report

WallStSmart Research

Bull Case : BMA

The strongest argument for BMA centers on PEG Ratio. PEG of 0.47 suggests the stock is reasonably priced for its growth.

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.

Bear Case : BMA

The primary concerns for BMA are P/E Ratio, Price/Book, Return on Equity.

Bear Case : IBN

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

Key Dynamics to Monitor

BMA carries more volatility with a beta of 0.68 — expect wider price swings.

BMA is growing revenue faster at 7.6% — sustainability is the question.

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

Bottom Line

IBN scores higher overall (69/100 vs 56/100), backed by strong 27.5% margins. Both earn "Strong Buy" and "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.

Banco Macro SA B ADR

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Banco Macro SA offers various banking products and services to retail and corporate clients in Argentina. The company is headquartered in Buenos Aires, Argentina.

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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