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IBN vs. PFG: A Head-to-Head Stock Comparison

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Here’s a clear look at IBN and PFG, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

IBN trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, PFG is a standard domestic listing.

SymbolIBNPFG
Company NameICICI Bank LimitedPrincipal Financial Group, Inc.
CountryIndiaUnited States
GICS SectorFinancialsFinancials
GICS IndustryBanksInsurance
Market Capitalization109.41 billion USD18.50 billion USD
ExchangeNYSENasdaqGS
Listing DateMarch 28, 2000October 23, 2001
Security TypeADRCommon Stock

Historical Performance

This chart compares the performance of IBN and PFG by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

IBN vs. PFG: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolIBNPFG
5-Day Price Return-0.12%1.31%
13-Week Price Return-4.17%4.38%
26-Week Price Return2.24%-3.14%
52-Week Price Return5.01%-3.69%
Month-to-Date Return1.71%2.98%
Year-to-Date Return6.90%7.11%
10-Day Avg. Volume15.46M1.23M
3-Month Avg. Volume9.50M1.20M
3-Month Volatility12.19%20.92%
Beta0.061.05

Profitability

Return on Equity (TTM)

IBN

17.39%

Banks Industry

Max
25.40%
Q3
15.55%
Median
12.00%
Q1
8.98%
Min
-0.10%

In the upper quartile for the Banks industry, IBN’s Return on Equity of 17.39% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

PFG

10.14%

Insurance Industry

Max
30.96%
Q3
18.76%
Median
14.22%
Q1
10.34%
Min
1.73%

PFG’s Return on Equity of 10.14% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

IBN vs. PFG: A comparison of their Return on Equity (TTM) against their respective Banks and Insurance industry benchmarks.

Net Profit Margin (TTM)

IBN

27.24%

Banks Industry

Max
54.20%
Q3
35.73%
Median
28.97%
Q1
22.56%
Min
6.98%

IBN’s Net Profit Margin of 27.24% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

PFG

7.45%

Insurance Industry

Max
26.78%
Q3
14.69%
Median
9.87%
Q1
6.59%
Min
-3.51%

PFG’s Net Profit Margin of 7.45% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

IBN vs. PFG: A comparison of their Net Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Operating Profit Margin (TTM)

IBN

36.51%

Banks Industry

Max
63.35%
Q3
44.73%
Median
37.24%
Q1
28.25%
Min
12.28%

IBN’s Operating Profit Margin of 36.51% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

PFG

10.56%

Insurance Industry

Max
34.52%
Q3
20.17%
Median
14.46%
Q1
9.62%
Min
-2.51%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

IBN vs. PFG: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Profitability at a Glance

SymbolIBNPFG
Return on Equity (TTM)17.39%10.14%
Return on Assets (TTM)2.04%0.36%
Net Profit Margin (TTM)27.24%7.45%
Operating Profit Margin (TTM)36.51%10.56%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

IBN

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

PFG

--

Insurance Industry

Max
2.97
Q3
1.37
Median
0.54
Q1
0.15
Min
0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

IBN vs. PFG: A comparison of their Current Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

IBN

0.65

Banks Industry

Max
5.78
Q3
2.66
Median
1.05
Q1
0.40
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

PFG

0.35

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.23
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

IBN vs. PFG: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Interest Coverage Ratio (TTM)

IBN

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

PFG

1.66

Insurance Industry

Max
43.68
Q3
21.45
Median
9.67
Q1
3.55
Min
-5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

IBN vs. PFG: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Financial Strength at a Glance

SymbolIBNPFG
Current Ratio (MRQ)----
Quick Ratio (MRQ)----
Debt-to-Equity Ratio (MRQ)0.650.35
Interest Coverage Ratio (TTM)--1.66

Growth

Revenue Growth

IBN vs. PFG: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

IBN vs. PFG: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

IBN

0.73%

Banks Industry

Max
11.03%
Q3
6.00%
Median
3.87%
Q1
2.41%
Min
0.00%

IBN’s Dividend Yield of 0.73% is in the lower quartile for the Banks industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

PFG

3.62%

Insurance Industry

Max
9.80%
Q3
5.18%
Median
3.58%
Q1
2.07%
Min
0.00%

PFG’s Dividend Yield of 3.62% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.

IBN vs. PFG: A comparison of their Dividend Yield (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

IBN

26.62%

Banks Industry

Max
134.24%
Q3
79.39%
Median
55.09%
Q1
36.09%
Min
0.00%

IBN’s Dividend Payout Ratio of 26.62% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

PFG

37.10%

Insurance Industry

Max
169.40%
Q3
85.57%
Median
53.26%
Q1
23.68%
Min
0.00%

PFG’s Dividend Payout Ratio of 37.10% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

IBN vs. PFG: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend at a Glance

SymbolIBNPFG
Dividend Yield (TTM)0.73%3.62%
Dividend Payout Ratio (TTM)26.62%37.10%

Valuation

Price-to-Earnings Ratio (TTM)

IBN

18.21

Banks Industry

Max
22.69
Q3
13.75
Median
10.32
Q1
7.73
Min
2.59

A P/E Ratio of 18.21 places IBN in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

PFG

16.22

Insurance Industry

Max
30.75
Q3
18.11
Median
12.67
Q1
9.66
Min
2.87

PFG’s P/E Ratio of 16.22 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

IBN vs. PFG: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

IBN

4.33

Banks Industry

Max
4.90
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

PFG

1.21

Insurance Industry

Max
3.41
Q3
1.88
Median
1.22
Q1
0.80
Min
0.23

PFG’s P/S Ratio of 1.21 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

IBN vs. PFG: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

IBN

3.14

Banks Industry

Max
2.09
Q3
1.40
Median
1.11
Q1
0.86
Min
0.29

At 3.14, IBN’s P/B Ratio is at an extreme premium to the Banks industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

PFG

1.56

Insurance Industry

Max
4.57
Q3
2.56
Median
1.88
Q1
1.20
Min
0.17

PFG’s P/B Ratio of 1.56 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

IBN vs. PFG: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Valuation at a Glance

SymbolIBNPFG
Price-to-Earnings Ratio (TTM)18.2116.22
Price-to-Sales Ratio (TTM)4.331.21
Price-to-Book Ratio (MRQ)3.141.56
Price-to-Free Cash Flow Ratio (TTM)8.164.30