ICICI Bank Limited (IBN) vs The PNC Financial Services Group, Inc (PNC)

ICICI Bank Limited and The PNC Financial Services Group, Inc are both Banks Regional companies. ICICI Bank Limited is the larger, with a market value of $100.1B against $89.1B — 1.1× the size. The PNC Financial Services Group, Inc trades at the lower P/E: 12.4× against 17.2×. The PNC Financial Services Group, Inc grew revenue faster over the last twelve months: 5.20% against −1.20%. The PNC Financial Services Group, Inc has the higher net margin (20.4% vs 17.7%) and the lower return on invested capital (4.85% vs 9.80%). Both pay a dividend; The PNC Financial Services Group, Inc yields more (4.25% vs 1.02%). Across the 20 metrics below, ICICI Bank Limited leads on 10 and The PNC Financial Services Group, Inc on 10.

Valuation

Metric IBN PNC Banks Regional median
P/E 17.23 12.41 12.15
P/S 2.86 2.55 2.37
P/B 2.37 1.42 1.21
Price to free cash flow 4.18 12.14 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.95 4.15 2.27
Earnings yield 5.80% 8.06% 8.11%
Free cash flow yield 23.94% 8.23% 8.98%

Profitability

Metric IBN PNC Banks Regional median
Gross margin 71.98% 70.25% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.65% 20.38% 18.66%
Free cash flow margin 0.00% 21.02% 21.18%
Return on equity 14.95% 11.93% 10.64%
Return on assets 1.96% 1.24% 1.13%
Return on invested capital 9.80% 4.85% 8.33%

Growth

Metric IBN PNC Banks Regional median
Revenue growth (TTM) (1.20%) 5.20% 6.61%
EPS growth (last fiscal year) 0.64% 20.74% —
Revenue growth, 5-year CAGR 10.12% 13.23% 12.30%
Net income growth, 5-year CAGR 19.80% 19.35% 9.71%

Health

Metric IBN PNC Banks Regional median
Debt to equity 0.57 1.34 0.22
Current ratio 1.03 0.85 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric IBN PNC Banks Regional median
Dividend yield 1.02% 4.25% 3.75%
Payout ratio 0.00 0.41 0.27

Size

Metric IBN PNC Banks Regional median
Market cap 100.06b 89.10b 921.07m

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