WallStSmart

ICICI Bank Limited (IBN)vsNewtekOne, Inc. (NEWT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ICICI Bank Limited generates 553192% more annual revenue ($2.17T vs $393.01M). IBN leads profitability with a 24.9% profit margin vs 16.4%. IBN appears more attractively valued with a PEG of 0.53. IBN earns a higher WallStSmart Score of 81/100 (A-).

IBN

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.0Profit: 7.0Value: 7.0Quality: 4.3
Piotroski: 2/9

NEWT

Strong Buy

71

out of 100

Grade: B

Growth: 8.0Profit: 8.0Value: 5.7Quality: 4.5
Piotroski: 3/9Altman Z: -0.16

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

IBN6 strengths · Avg: 9.0/10
Operating MarginProfitability
33.3%10/10

Strong operational efficiency at 33.3%

Revenue GrowthGrowth
66.9%10/10

Revenue surging 66.9% year-over-year

Market CapQuality
$99.72B9/10

Large-cap with strong market position

Profit MarginProfitability
24.9%9/10

Keeps 25 of every $100 in revenue as profit

PEG RatioValuation
0.538/10

Growing faster than its price suggests

P/E RatioValuation
17.7x8/10

Attractively priced relative to earnings

NEWT4 strengths · Avg: 9.5/10
P/E RatioValuation
6.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
52.3%10/10

Strong operational efficiency at 52.3%

EPS GrowthGrowth
22.9%8/10

Earnings expanding 22.9% YoY

Areas to Watch

IBN1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

NEWT4 concerns · Avg: 2.5/10
Market CapQuality
$401.43M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
3.202/10

Expensive relative to growth rate

Free Cash FlowQuality
$-91.00M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : IBN

The strongest argument for IBN centers on Operating Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 24.9% and operating margin at 33.3%. Revenue growth of 66.9% demonstrates continued momentum.

Bull Case : NEWT

The strongest argument for NEWT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 52.3%. Revenue growth of 10.7% demonstrates continued momentum.

Bear Case : IBN

The primary concerns for IBN are Piotroski F-Score.

Bear Case : NEWT

The primary concerns for NEWT are Market Cap, Piotroski F-Score, PEG Ratio. Debt-to-equity of 5.96 is elevated, increasing financial risk.

Key Dynamics to Monitor

IBN profiles as a growth stock while NEWT is a mature play — different risk/reward profiles.

NEWT carries more volatility with a beta of 1.37 — expect wider price swings.

IBN is growing revenue faster at 66.9% — sustainability is the question.

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

Bottom Line

IBN scores higher overall (81/100 vs 71/100), backed by strong 24.9% margins and 66.9% revenue growth. Both earn "Exceptional 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.

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NewtekOne, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

NewtekOne, Inc. (NEWT) is a premier provider of comprehensive business solutions tailored for small to medium-sized enterprises (SMBs) throughout the United States. Offering a diverse range of services, including payment processing, business lending, and technology solutions, NewtekOne is dedicated to enhancing operational efficiency and fostering growth for its clients. The company's strong commitment to customer satisfaction and strategic partnerships positions it as an indispensable ally for SMBs facing competitive challenges. With an emphasis on innovation and building long-term relationships, NewtekOne is well-equipped to thrive in a dynamic business landscape.

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