ICICI Bank stock price target raised to INR1,644 by Goldman Sachs

Published 21/07/2025, 05:50
ICICI Bank stock price target raised to INR1,644 by Goldman Sachs

Investing.com - Goldman Sachs has raised its price target on ICICI Bank (ICICIBC:IN) (NYSE:IBN) to INR1,644.00 from INR1,597.00 while maintaining a Neutral rating on the stock.

The adjustment follows ICICI Bank’s recent quarterly results, which Goldman Sachs described as "well-managed" with core operating profits exceeding expectations by 6% compared to Goldman’s forecast and showing 14% year-over-year growth.

The bank’s performance was primarily driven by improved investment spreads, which helped offset pressure on lending spreads resulting from recent policy rate cuts, while operating expenses were in line with projections.

Goldman Sachs noted potential challenges ahead for ICICI Bank, including a slowdown in loan growth and further impacts from rate cuts, alongside concerns about aggressive pricing in the marketplace, particularly in mortgages, which could limit immediate stock re-rating.

The investment bank also highlighted that tailwinds from recoveries of legacy non-performing loans are diminishing, with credit costs normalizing closer to 50 basis points, while the cost-to-income ratio is stabilizing at approximately 40%.

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