IBN vs. LYG: ICICI Bank vs. Lloyds Banking Stock Comparison

Company Profile

ICICI Bank (IBN) and Lloyds Banking (LYG) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both ICICI Bank (IBN) and Lloyds Banking (LYG) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both ICICI Bank (IBN) at 16.49% and Lloyds Banking (LYG) at 13.69% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.

Both ICICI Bank (IBN) at 27.85% and Lloyds Banking (LYG) at 30.61% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for ICICI Bank (IBN) in Banks and Lloyds Banking (LYG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both ICICI Bank (IBN) at 9.13% and Lloyds Banking (LYG) at 7.66% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Both ICICI Bank (IBN) at 5.10% and Lloyds Banking (LYG) at 11.29% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: ICICI Bank (IBN) in Banks and Lloyds Banking (LYG) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: ICICI Bank (IBN) in Banks and Lloyds Banking (LYG) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

ICICI Bank (IBN) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Lloyds Banking (LYG) reports a yield of 0.77%, ranking against industry peers normally.

ICICI Bank (IBN) at 14.16% retains more earnings than its industry usually does; Lloyds Banking (LYG) at 41.85% distributes an above-typical share — opposite departures from the band, with the risk sitting on LYG’s side.

Dividend Metrics

Valuation

Lloyds Banking (LYG) at 9.79 sits in the cheaper P/E ratio quartile, while ICICI Bank (IBN) at 19.26 trades above its peer range — a wide earnings-valuation gap relative to industry peers.

P/S ratio is set aside for both ICICI Bank (IBN) in Banks and Lloyds Banking (LYG) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Lloyds Banking (LYG) at 1.19 sits near its industry’s typical P/B ratio, while ICICI Bank (IBN) at 2.94 prices above its benchmark range — IBN looks rich relative to book.

Valuation Metrics