ICICI Bank vs SMBC Group
This page compares ICICI Bank Ltd. and SMBC Group, examining how their business models, financial performance, and market contexts differ. It presents clear, accessible information to help readers understand similarities and contrasts between the two institutions, without endorsement or prediction. Educational content, not financial advice.
This page compares ICICI Bank Ltd. and SMBC Group, examining how their business models, financial performance, and market contexts differ. It presents clear, accessible information to help readers und...
Why It's Moving
ICICI Bank's Q3 Earnings Miss Sparks Sharp Selloff Amid Mixed Banking Sector Signals
- Profit after tax declined 4% YoY to Rs 11,318 crore, missing expectations and pressuring margins amid rising provisions.
- Net interest income grew 7.7% with retail loans up 7.2%, but weaker bottom-line growth overshadowed core lending momentum.
- Shares gapped down over 5% to $29.26 on January 20, extending a 2-3% drop on results day as markets digested the underwhelming print.
Wall Street Zen upgrades SMFG to Buy after blowout earnings beat sparks fresh optimism.
- EPS surged to $0.59 versus $0.40 expected, with revenue hitting $8.15 billion against $7.41 billion forecast, underscoring resilient banking operations.
- Net margin reached 13.8% and return on equity hit 9.14%, reflecting efficient capital use and strong performance in core lending and services.
- Despite some cautious notes from Zacks and others maintaining Hold, the upgrade boosts sentiment in a sector eyeing steady growth.
ICICI Bank's Q3 Earnings Miss Sparks Sharp Selloff Amid Mixed Banking Sector Signals
- Profit after tax declined 4% YoY to Rs 11,318 crore, missing expectations and pressuring margins amid rising provisions.
- Net interest income grew 7.7% with retail loans up 7.2%, but weaker bottom-line growth overshadowed core lending momentum.
- Shares gapped down over 5% to $29.26 on January 20, extending a 2-3% drop on results day as markets digested the underwhelming print.
Wall Street Zen upgrades SMFG to Buy after blowout earnings beat sparks fresh optimism.
- EPS surged to $0.59 versus $0.40 expected, with revenue hitting $8.15 billion against $7.41 billion forecast, underscoring resilient banking operations.
- Net margin reached 13.8% and return on equity hit 9.14%, reflecting efficient capital use and strong performance in core lending and services.
- Despite some cautious notes from Zacks and others maintaining Hold, the upgrade boosts sentiment in a sector eyeing steady growth.
Investment Analysis
ICICI Bank
IBN
Pros
- ICICI Bank has shown strong profit growth with a 39.8% compound annual growth rate over the last five years.
- The bank has improved operational efficiency by reducing its working capital requirements from 88.8 days to 66 days.
- ICICI Bank reported solid quarterly performance with steady revenue growth and net profit rise in recent results.
Considerations
- Recent net profit growth is modest at 2.85%, indicating potential pressure on profitability expansion.
- Revenue growth remains moderate around 4%, which may limit upside from top-line expansion.
- The bank operates in a highly competitive Indian banking sector with risks from economic cycles and regulatory changes.
SMBC Group
SMFG
Pros
- Sumitomo Mitsui Financial Group (SMFG) has a diversified global presence across wholesale, retail, global, and market business units.
- SMFG offers a wide range of financial services including loans, asset management, leasing, and advisory services, supporting multiple revenue streams.
- The group has shown resilience with a 1-year stock price growth over 30%, reflecting investor confidence.
Considerations
- SMFG's trailing twelve months earnings per share (EPS) of 1.25 suggests moderate profitability relative to market capitalization.
- The company operates with exposure to global economic and regulatory environments that may increase operational risks.
- Its performance is sensitive to interest rate fluctuations and global financial market volatility.
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ICICI Bank (IBN) Next Earnings Date
ICICI Bank Ltd (IBN) released its Q3 FY2026 earnings on January 23, 2026, covering the quarter ended December 31, 2025. The next earnings report for Q4 FY2026 (quarter ended March 31, 2026) is expected in mid-to-late April 2026, typically around April 17-19 based on historical patterns and analyst estimates. Investors should monitor official announcements for the confirmed date.
SMBC Group (SMFG) Next Earnings Date
Sumitomo Mitsui Financial Group (SMFG) is scheduled to release its next earnings report, covering the nine months ending December 31, 2025, in late January 2026, with the company's official calendar aligning to January 29, 2026. This follows the pattern of prior nine-month announcements, such as January 29 for the period ending December 31, 2024. Analyst estimates vary slightly around early February, but the firm's guidance takes precedence for investor planning.
ICICI Bank (IBN) Next Earnings Date
ICICI Bank Ltd (IBN) released its Q3 FY2026 earnings on January 23, 2026, covering the quarter ended December 31, 2025. The next earnings report for Q4 FY2026 (quarter ended March 31, 2026) is expected in mid-to-late April 2026, typically around April 17-19 based on historical patterns and analyst estimates. Investors should monitor official announcements for the confirmed date.
SMBC Group (SMFG) Next Earnings Date
Sumitomo Mitsui Financial Group (SMFG) is scheduled to release its next earnings report, covering the nine months ending December 31, 2025, in late January 2026, with the company's official calendar aligning to January 29, 2026. This follows the pattern of prior nine-month announcements, such as January 29 for the period ending December 31, 2024. Analyst estimates vary slightly around early February, but the firm's guidance takes precedence for investor planning.
Which Baskets Do They Appear In?
Asian Banking M&A: What's Next After HSBC Deal
HSBC's proposed $37.36 billion buyout of Hang Seng Bank signals a major consolidation event in Hong Kong's financial industry. This strategic move to take the bank private could catalyze further mergers and acquisitions, creating opportunities for other dominant banking institutions in the Asia-Pacific region.
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Explore BasketEuropean Financial Consolidation
BNP Paribas's acquisition of AXA Investment Managers could trigger a wave of mergers in European finance. These carefully selected stocks represent potential buyers and targets in banking, insurance, and asset management as the industry reshapes for the future.
Published: July 2, 2025
Explore BasketWhich Baskets Do They Appear In?
Asian Banking M&A: What's Next After HSBC Deal
HSBC's proposed $37.36 billion buyout of Hang Seng Bank signals a major consolidation event in Hong Kong's financial industry. This strategic move to take the bank private could catalyze further mergers and acquisitions, creating opportunities for other dominant banking institutions in the Asia-Pacific region.
Published: October 9, 2025
Explore BasketEuropean Financial Consolidation
BNP Paribas's acquisition of AXA Investment Managers could trigger a wave of mergers in European finance. These carefully selected stocks represent potential buyers and targets in banking, insurance, and asset management as the industry reshapes for the future.
Published: July 2, 2025
Explore BasketBuy IBN or SMFG in Nemo
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