IBN vs. WTFC: ICICI Bank vs. Wintrust Financial Stock Comparison

Company Profile

ICICI Bank (IBN) and Wintrust Financial (WTFC) both belong to the Banks industry, though IBN is classified under Diversified Banks while WTFC falls under Regional Banks.

Wintrust Financial (WTFC) trades as ordinary local shares, while ICICI Bank (IBN) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

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

ICICI Bank (IBN) at 16.49% sits in the top ROE quartile, while Wintrust Financial (WTFC) at 12.88% is closer to the peer norm — stronger capital efficiency for IBN.

Both ICICI Bank (IBN) at 27.85% and Wintrust Financial (WTFC) at 32.81% 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 Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) at 11.23% 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 Wintrust Financial (WTFC) at 10.57% 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 Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) reports a yield of 1.42%, ranking against industry peers normally.

Both ICICI Bank (IBN) at 14.16% and Wintrust Financial (WTFC) at 16.49% pay out less of their earnings than their industries typically do, keeping retention high — common for businesses prioritizing reinvestment.

Dividend Metrics

Valuation

Wintrust Financial (WTFC) at 11.60 is near its industry’s usual P/E ratio, while ICICI Bank (IBN) at 19.26 sits above its peer range — an unusually expensive price for IBN’s trailing earnings.

P/S ratio is set aside for both ICICI Bank (IBN) in Banks and Wintrust Financial (WTFC) 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.

Wintrust Financial (WTFC) at 1.49 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