ICICI Bank Limited (IBN)vsWestern Alliance Bancorporation (WAL)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
WAL
Western Alliance Bancorporation
$70.74
+1.51%
FINANCIAL SERVICES · Cap: $7.67B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 57892% more annual revenue ($1.92T vs $3.32B). WAL leads profitability with a 29.2% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. WAL earns a higher WallStSmart Score of 79/100 (B+).
IBN
Strong Buy69
out of 100
Grade: B-
WAL
Strong Buy79
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
+76.8%
Fair Value
$408.56
Current Price
$70.74
$337.82 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
Strong operational efficiency at 41.1%
Keeps 29 of every $100 in revenue as profit
16.6% revenue growth
Earnings expanding 32.8% YoY
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
Negative free cash flow — burning cash
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 : WAL
The strongest argument for WAL centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.2% and operating margin at 41.1%. Revenue growth of 16.6% demonstrates continued momentum.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : WAL
The primary concerns for WAL are Free Cash Flow.
Key Dynamics to Monitor
IBN profiles as a value stock while WAL is a growth play — different risk/reward profiles.
WAL carries more volatility with a beta of 1.34 — expect wider price swings.
WAL is growing revenue faster at 16.6% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WAL scores higher overall (79/100 vs 69/100), backed by strong 29.2% margins and 16.6% revenue growth. 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 →Western Alliance Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Western Alliance Bancorporation is the banking holding company for Western Alliance Bank offering various banking products and related services primarily in Arizona, California and Nevada. The company is headquartered in Phoenix, Arizona.
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