ICICI Bank Limited (IBN)vsWashington Federal Inc (WAFD)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
WAFD
Washington Federal Inc
$31.55
-0.09%
FINANCIAL SERVICES · Cap: $2.41B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 261955% more annual revenue ($1.92T vs $734.47M). WAFD leads profitability with a 33.1% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. WAFD earns a higher WallStSmart Score of 76/100 (B+).
IBN
Strong Buy69
out of 100
Grade: B-
WAFD
Strong Buy76
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
+75.5%
Fair Value
$134.32
Current Price
$31.55
$102.77 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 33 of every $100 in revenue as profit
Strong operational efficiency at 46.6%
Earnings expanding 46.6% YoY
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
Expensive relative to growth rate
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 : WAFD
The strongest argument for WAFD centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.1% and operating margin at 46.6%.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : WAFD
The primary concerns for WAFD are PEG Ratio.
Key Dynamics to Monitor
IBN profiles as a value stock while WAFD is a mature play — different risk/reward profiles.
WAFD carries more volatility with a beta of 0.85 — expect wider price swings.
WAFD is growing revenue faster at 9.8% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WAFD scores higher overall (76/100 vs 69/100), backed by strong 33.1% margins. 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 →Washington Federal Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Washington Federal, Inc. is the banking holding company for Washington Federal Bank, a National Association that provides loans, deposits, insurance, and other banking services in the United States. The company is headquartered in Seattle, Washington.
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