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 101% more annual revenue ($4.26T vs $2.12T). IBN leads profitability with a 27.8% profit margin vs 9.0%. BMA appears more attractively valued with a PEG of 0.47. IBN earns a higher WallStSmart Score of 81/100 (A-).

BMA

Buy

58

out of 100

Grade: C

Growth: 4.0Profit: 6.0Value: 7.7Quality: 6.5
Piotroski: 3/9Altman Z: 0.71

IBN

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.0Profit: 8.0Value: 7.0Quality: 4.3
Piotroski: 2/9Altman Z: -0.29

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BMA6 strengths · Avg: 9.2/10
PEG RatioValuation
0.4710/10

Growing faster than its price suggests

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Free Cash FlowQuality
$575.25B10/10

Generating 575.3B in free cash flow

Debt/EquityHealth
0.279/10

Conservative balance sheet, low leverage

P/E RatioValuation
13.1x8/10

Attractively priced relative to earnings

Operating MarginProfitability
25.7%8/10

Strong operational efficiency at 25.7%

IBN6 strengths · Avg: 8.7/10
Operating MarginProfitability
37.5%10/10

Strong operational efficiency at 37.5%

Market CapQuality
$107.66B9/10

Large-cap with strong market position

Profit MarginProfitability
27.8%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
17.5x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

BMA4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
1.2%4/10

1.2% revenue growth

EPS GrowthGrowth
3.5%4/10

3.5% earnings growth

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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

Comparative Analysis Report

WallStSmart Research

Bull Case : BMA

The strongest argument for BMA centers on PEG Ratio, Price/Book, Free Cash Flow. 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 27.8% and operating margin at 37.5%. Revenue growth of 15.8% demonstrates continued momentum.

Bear Case : BMA

The primary concerns for BMA are Revenue Growth, EPS Growth, Return on Equity.

Bear Case : IBN

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

Key Dynamics to Monitor

BMA profiles as a value stock while IBN is a growth play — different risk/reward profiles.

BMA carries more volatility with a beta of 0.41 — expect wider price swings.

IBN is growing revenue faster at 15.8% — sustainability is the question.

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

Bottom Line

IBN scores higher overall (81/100 vs 58/100), backed by strong 27.8% margins and 15.8% revenue growth. Both earn "Exceptional 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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