ICICI Bank’s Stock Hits All-Time High due to positive financial results
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ICICI Bank has announced impressive financial results for the fourth quarter of the financial year 2024-25 (Q4FY25). Following this, the bank’s stock surged to a new 52-week and all-time high of ₹1,437 during early trading on Monday, April 21, 2025. The bank reported a strong 18% year-on-year (YoY) growth in net profit, which rose to ₹12,630 crore, compared to ₹10,707 crore in the same quarter last year.
Stock Performance After Results
After the earnings announcement, ICICI Bank’s stock gained 2.15% on Monday, trading around ₹1,414.70. The stock had already closed 3.7% higher on Thursday at ₹1,406.65 on the BSE. So far in 2025, ICICI Bank shares have risen by 10%. Over the last three years, the stock has delivered a 29% return, and over five years, it has given investors a massive 320% return. In April alone, the stock is up by 5%, adding to a 12% jump in the previous month.
Strong Growth in Loans and Interest Income
The bank’s domestic loan book grew by 13.9% YoY, reaching ₹13.11 lakh crore. A major portion of this growth came from retail loans, which now make up 52.4% of ICICI Bank’s total loan portfolio. Retail loans grew by 8.9% compared to the same period last year, and by 2% when compared to the previous quarter.
ICICI Bank’s net interest income (NII) – the difference between the interest earned on loans and the interest paid on deposits – increased by 11% YoY to ₹21,193 crore, up from ₹19,093 crore in Q4FY24.
Net Interest Margin (NIM) and Annual Performance
In Q4FY25, the bank’s net interest margin (NIM) stood at 4.41%, improving from 4.25% in Q3FY25. It also slightly surpassed the 4.40% reported in Q4FY24. For the full financial year FY25, the NIM stood at 4.32%. This growth is notable, especially during a period when interest rates are expected to decline.
For the full year FY25, ICICI Bank’s net profit increased by 15.5% to ₹47,227 crore. The bank also declared a dividend of ₹11 per share for its shareholders.
What Experts Are Saying
Brokerage firm Motilal Oswal praised ICICI Bank for its strong performance despite facing stiff competition and a volatile macroeconomic environment. The analysts noted that the bank’s consistent investment in technology has helped improve efficiency and keep costs under control. They also highlighted that ICICI Bank has shifted its business towards higher-yielding loans, helping to boost returns.
