{"id":66119,"date":"2026-04-01T12:15:45","date_gmt":"2026-04-01T06:45:45","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=66119"},"modified":"2026-04-01T12:15:48","modified_gmt":"2026-04-01T06:45:48","slug":"icici-bank-q4-results-date-preview","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/","title":{"rendered":"ICICI Bank Q4 Results 2026: Date, Revenue, PAT &#038; Analyst Outlook"},"content":{"rendered":"<p>ICICI Bank Q4 Results FY26 \u2014 Board meeting on April 18, 2026<\/p><p>The ICICI Bank Q4 results 2026 is set to be one of the most closely watched earnings events of the April-May 2026 results season. With results scheduled for April 18, 2026, investors and analysts across brokerages are building their expectations around revenue, PAT, margin trajectory, and what management will say about FY27.<\/p><p>ICICI Bank enters Q4 FY26 at a CMP of ~Rs. 1,340, against a 52-week high of Rs. 1,436 and a 52-week low of Rs. 1,014. The one-year return stands at +22%, making this quarter&#8217;s result and guidance commentary particularly important for investors deciding whether to hold, add, or exit.<\/p><p>This article covers the ICICI Bank Q4 results 2026 date, earnings estimates, key factors driving performance, five risks to watch, analyst ratings and price targets, and a full set of FAQs around what investors are searching for ahead of the announcement.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#ICICI_Bank_Q4_Results_2026_Date\" title=\"ICICI Bank Q4 Results 2026 Date\">ICICI Bank Q4 Results 2026 Date<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#Why_This_Quarter_Matters\" title=\"Why This Quarter Matters\">Why This Quarter Matters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#ICICI_Bank_Q4_FY26_Earnings_Estimates\" title=\"ICICI Bank Q4 FY26 Earnings Estimates\">ICICI Bank Q4 FY26 Earnings Estimates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#5_Key_Factors_That_Will_Drive_ICICI_Bank_Q4_FY26_Performance\" title=\"5 Key Factors That Will Drive ICICI Bank Q4 FY26 Performance\">5 Key Factors That Will Drive ICICI Bank Q4 FY26 Performance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#Return_on_Equity_and_Pre-Provision_Profit\" title=\"Return on Equity and Pre-Provision Profit\">Return on Equity and Pre-Provision Profit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#Net_Interest_Margin_Resilience\" title=\"Net Interest Margin Resilience\">Net Interest Margin Resilience<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#Retail_and_SME_Loan_Growth\" title=\"Retail and SME Loan Growth\">Retail and SME Loan Growth<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#Asset_Quality_%E2%80%94_Consistent_Outperformance\" title=\"Asset Quality \u2014 Consistent Outperformance\">Asset Quality \u2014 Consistent Outperformance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#Dividend_and_Capital_Allocation\" title=\"Dividend and Capital Allocation\">Dividend and Capital Allocation<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#5_Risks_to_Watch_in_ICICI_Bank_Q4_FY26\" title=\"5 Risks to Watch in ICICI Bank Q4 FY26\">5 Risks to Watch in ICICI Bank Q4 FY26<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#Microfinance_and_Unsecured_Loan_Stress\" title=\"Microfinance and Unsecured Loan Stress\">Microfinance and Unsecured Loan Stress<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#RBI_Rate_Cuts_Compressing_NIM\" title=\"RBI Rate Cuts Compressing NIM\">RBI Rate Cuts Compressing NIM<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#Competitive_Intensity_in_Retail_Deposits\" title=\"Competitive Intensity in Retail Deposits\">Competitive Intensity in Retail Deposits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#Regulatory_Capital_Requirements\" title=\"Regulatory Capital Requirements\">Regulatory Capital Requirements<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#Valuation_at_Historical_Highs\" title=\"Valuation at Historical Highs\">Valuation at Historical Highs<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#ICICI_Bank_Share_Price_and_Analyst_Ratings\" title=\"ICICI Bank Share Price and Analyst Ratings\">ICICI Bank Share Price and Analyst Ratings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#What_is_the_ICICI_Bank_Q4_results_2026_date\" title=\"What is the ICICI Bank Q4 results 2026 date?\">What is the ICICI Bank Q4 results 2026 date?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#What_is_the_ICICI_Bank_Q4_FY26_PAT_estimate\" title=\"What is the ICICI Bank Q4 FY26 PAT estimate?\">What is the ICICI Bank Q4 FY26 PAT estimate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#What_is_ICICI_Banks_current_share_price_ahead_of_Q4_results\" title=\"What is ICICI Bank&#8217;s current share price ahead of Q4 results?\">What is ICICI Bank&#8217;s current share price ahead of Q4 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#Will_ICICI_Bank_declare_a_dividend_in_Q4_2026\" title=\"Will ICICI Bank declare a dividend in Q4 2026?\">Will ICICI Bank declare a dividend in Q4 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#Which_analysts_have_a_Buy_rating_on_ICICI_Bank_before_Q4_results\" title=\"Which analysts have a Buy rating on ICICI Bank before Q4 results?\">Which analysts have a Buy rating on ICICI Bank before Q4 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#What_were_ICICI_Bank_Q3_FY26_results\" title=\"What were ICICI Bank Q3 FY26 results?\">What were ICICI Bank Q3 FY26 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#When_do_Infosys_and_TCS_announce_Q4_results_2026\" title=\"When do Infosys and TCS announce Q4 results 2026?\">When do Infosys and TCS announce Q4 results 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#Is_ICICI_Bank_a_good_investment_ahead_of_Q4_results\" title=\"Is ICICI Bank a good investment ahead of Q4 results?\">Is ICICI Bank a good investment ahead of Q4 results?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-date-preview\/#Recent_Articles\" title=\"Recent Articles\">Recent Articles<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ICICI_Bank_Q4_Results_2026_Date\"><\/span><strong>ICICI Bank Q4 Results 2026 Date<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>Get free investment predictions and live Q4 result alerts on <a href=\"https:\/\/univest.in\/user\/log-in\">Univest<\/a>.<\/p><p>The ICICI Bank Q4 FY26 results date is April 18, 2026. The board of directors will meet to approve the audited financial statements for the quarter and full financial year ended March 31, 2026. The board will also consider recommending a dividend for FY26 shareholders, subject to approval at the upcoming Annual General Meeting.<\/p><p>Here is how the broader Q4 FY26 earnings calendar looks for large-cap Indian companies in April\u2013May 2026:<\/p><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Q4 FY26 Results Date<\/strong><\/td><\/tr><tr><td>TCS<\/td><td><a href=\"https:\/\/univest.in\/blogs\/tcs-q4-results-2026-date-preview\">April 9, 2026<\/a><\/td><\/tr><tr><td>HDFC Bank \/ ICICI Bank<\/td><td>April 18, 2026<\/td><\/tr><tr><td>HCL Technologies<\/td><td>April 21, 2026<\/td><\/tr><tr><td>Infosys<\/td><td><a href=\"https:\/\/univest.in\/blogs\/infosys-q4-results-2026-date-preview\">April 23, 2026<\/a><\/td><\/tr><tr><td>ICICI Bank<\/td><td>April 18, 2026<\/td><\/tr><\/tbody><\/table><\/figure><p>Source: BSE\/NSE exchange filings, April 2026. Expected dates may change. Verify before relying.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_This_Quarter_Matters\"><\/span><strong>Why This Quarter Matters<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>Every quarterly result tells a story, but ICICI Bank Q4 FY26 carries more weight than a routine earnings print. ICICI Bank is entering Q4 FY26 as the strongest-performing large-cap bank by most metrics \u2014 ROE, NIM, asset quality, and loan growth.<\/p><p>The market is also watching closely because Q4 is the full-year wrap-up quarter \u2014 meaning the annual results, dividend recommendation, and FY27 outlook commentary all arrive on the same date. Management tone on demand environment, pricing, and deal pipeline will shape investor expectations for the next 6\u201312 months, not just the next quarter.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ICICI_Bank_Q4_FY26_Earnings_Estimates\"><\/span><strong>ICICI Bank Q4 FY26 Earnings Estimates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"931\" height=\"486\" src=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01121002\/image-7.jpeg\" alt=\"ICICI Bank Q4 FY26 Earnings Estimates\" class=\"wp-image-66121\" srcset=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01121002\/image-7.jpeg 931w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01121002\/image-7-300x157.jpeg 300w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01121002\/image-7-768x401.jpeg 768w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01121002\/image-7-900x470.jpeg 900w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01121002\/image-7-600x313.jpeg 600w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01121002\/image-7-150x78.jpeg 150w\" sizes=\"(max-width: 931px) 100vw, 931px\" \/><\/figure><p>ICICI Bank Q4 FY26 \u2014 Revenue, PAT, margin and growth estimates from leading brokerages<\/p><p>Access premium research pieces and stock recommendations on <a href=\"https:\/\/univest.in\/user\/log-in\">Univest<\/a>.<\/p><p>Here is what leading brokerages are estimating for ICICI Bank Q4 FY26 results:<\/p><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Metric<\/strong><\/td><td><strong>Q3 FY26 (Actual)<\/strong><\/td><td><strong>Q4 FY26 (Estimate)<\/strong><\/td><\/tr><tr><td>Revenue (Rs. Cr)<\/td><td>NII Rs. 20,371<\/td><td>NII Rs. 21,200 \u2013 22,000<\/td><\/tr><tr><td>Net Profit \/ PAT (Rs. Cr)<\/td><td>11,792<\/td><td>Rs. 12,200 \u2013 13,200<\/td><\/tr><tr><td>Margin<\/td><td>NIM 4.31%<\/td><td>NIM 4.2 \u2013 4.4%<\/td><\/tr><tr><td>CC \/ Volume Growth<\/td><td>Prior quarter<\/td><td>+15\u201318% PAT YoY (est.)<\/td><\/tr><tr><td>Dividend (FY26)<\/td><td>Rs. 10\/share (FY25 final)<\/td><td>Rs. 11 \u2013 13\/share FY26 (est.)<\/td><\/tr><\/tbody><\/table><\/figure><p>Estimates compiled from MOFSL, YES Securities, JM Financial. Actual figures from NSE\/BSE filings. Verify before investing.<\/p><p>The estimates above represent analyst consensus. Actual results could diverge \u2014 positively or negatively \u2014 based on one-time items, currency movements, and sector-specific developments. The key number to watch, beyond the headline PAT, is management&#8217;s commentary on FY27 guidance.<\/p><p>Screen and track <a href=\"https:\/\/univest.in\/screeners\">ICICI Bank fundamentals on Univest Screener<\/a>.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Key_Factors_That_Will_Drive_ICICI_Bank_Q4_FY26_Performance\"><\/span><strong>5 Key Factors That Will Drive ICICI Bank Q4 FY26 Performance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Return_on_Equity_and_Pre-Provision_Profit\"><\/span><strong>Return on Equity and Pre-Provision Profit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank has consistently delivered ROE above 18% \u2014 a key differentiator from peers. Motilal Oswal expects pre-provision operating profit (PPOP) growth of approximately 26% YoY in Q4, driven by NII expansion and fee income. This would be the strongest PPOP print among large private banks.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Net_Interest_Margin_Resilience\"><\/span><strong>Net Interest Margin Resilience<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank&#8217;s NIM has held steady in the 4.3\u20134.4% range \u2014 the strongest among large private sector banks. Analysts do not expect material compression in Q4 despite the RBI rate cycle turning. The bank&#8217;s asset-liability profile is better positioned for a rate cut environment than most peers.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Retail_and_SME_Loan_Growth\"><\/span><strong>Retail and SME Loan Growth<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank has been the most consistent lender in maintaining 15%+ loan growth through FY26. Q4 retail disbursements \u2014 in home loans, auto loans, and personal loans \u2014 are expected to remain healthy. Business banking and SME lending have also been standout growth segments.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Asset_Quality_%E2%80%94_Consistent_Outperformance\"><\/span><strong>Asset Quality \u2014 Consistent Outperformance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank has maintained Gross NPA below 2.3% through FY26. Q4 slippages are expected to remain low, and credit cost guidance for FY27 will be a key output from management commentary. Consistent asset quality has been the primary driver of ICICI Bank&#8217;s re-rating over the past three years.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dividend_and_Capital_Allocation\"><\/span><strong>Dividend and Capital Allocation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>The board will consider a dividend recommendation on April 18. With FY25 final dividend at Rs.10 per share, FY26 payout is expected to be higher at Rs.11\u201313 per share. The bank&#8217;s strong capital adequacy ratio (well above RBI requirements) provides capacity for higher dividends without constraining loan growth.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Risks_to_Watch_in_ICICI_Bank_Q4_FY26\"><\/span><strong>5 Risks to Watch in ICICI Bank Q4 FY26<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Microfinance_and_Unsecured_Loan_Stress\"><\/span><strong>Microfinance and Unsecured Loan Stress<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>The microfinance sector has been under significant stress across the industry in FY26, with repayment rates declining in rural markets. ICICI Bank has direct microfinance exposure and indirect exposure through its retail lending subsidiaries. Any uptick in slippages from unsecured retail and microfinance in Q4 would weigh on provisions.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"RBI_Rate_Cuts_Compressing_NIM\"><\/span><strong>RBI Rate Cuts Compressing NIM<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>As the RBI moves toward a rate cut cycle in FY27, ICICI Bank&#8217;s lending yields will reprice downward faster than its deposit costs \u2014 creating NIM compression risk. The bank&#8217;s floating-rate loan book is large, making it sensitive to rate cuts.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Competitive_Intensity_in_Retail_Deposits\"><\/span><strong>Competitive Intensity in Retail Deposits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank competes intensely with HDFC Bank, SBI, and Kotak for low-cost retail deposits. Any loss of market share in the CASA segment would raise the cost of funds and compress NIM over time.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Regulatory_Capital_Requirements\"><\/span><strong>Regulatory Capital Requirements<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>RBI&#8217;s evolving guidelines on capital adequacy and provisioning norms \u2014 particularly for infrastructure loans and unsecured consumer credit \u2014 could require ICICI Bank to hold higher capital buffers, affecting dividend payout capacity in FY27.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Valuation_at_Historical_Highs\"><\/span><strong>Valuation at Historical Highs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank trades at approximately 3x book value \u2014 near the upper end of its historical valuation range. This leaves limited room for a valuation-driven re-rating. Future returns will depend on earnings growth, not multiple expansion.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ICICI_Bank_Share_Price_and_Analyst_Ratings\"><\/span><strong>ICICI Bank Share Price and Analyst Ratings<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"931\" height=\"486\" src=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01121002\/image-8.jpeg\" alt=\"ICICI Bank Share Price and Analyst Ratings\" class=\"wp-image-66122\" srcset=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01121002\/image-8.jpeg 931w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01121002\/image-8-300x157.jpeg 300w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01121002\/image-8-768x401.jpeg 768w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01121002\/image-8-900x470.jpeg 900w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01121002\/image-8-600x313.jpeg 600w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01121002\/image-8-150x78.jpeg 150w\" sizes=\"(max-width: 931px) 100vw, 931px\" \/><\/figure><p>ICICI Bank share price snapshot and analyst ratings heading into Q4 FY26 results<\/p><p>ICICI Bank shares are trading at ~Rs. 1,340 as of late March 2026. The 52-week high stands at Rs. 1,436 and the 52-week low at Rs. 1,014. One-year return is +22%, against a market cap of ~Rs. 9.43 Lakh Cr.<\/p><p>Here is where leading brokerages stand on ICICI Bank heading into Q4 FY26 results:<\/p><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Brokerage<\/strong><\/td><td><strong>Rating<\/strong><\/td><td><strong>Target Price<\/strong><\/td><td><strong>Key Thesis<\/strong><\/td><\/tr><tr><td>Motilal Oswal<\/td><td>Buy<\/td><td>Rs. 1,550<\/td><td>Best-in-class returns; ROE &gt;18%<\/td><\/tr><tr><td>Bernstein<\/td><td>Outperform<\/td><td>Rs. 1,600<\/td><td>NIM resilience + retail franchise strength<\/td><\/tr><tr><td>MOFSL<\/td><td>Buy<\/td><td>NA<\/td><td>Pre-provision profit growth 26% YoY expected<\/td><\/tr><tr><td>Kotak Institutional<\/td><td>Buy<\/td><td>Rs. 1,480<\/td><td>Consistent asset quality + capital adequacy<\/td><\/tr><\/tbody><\/table><\/figure><p>Source: Publicly available analyst notes, March\u2013April 2026. For informational purposes only.<\/p><p>For live TCS, Infosys, and sectoral Q4 results coverage, download the<\/p><p><a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Download the Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to get live Q4 result alerts and SEBI-registered research directly on your phone.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>ICICI Bank is entering Q4 FY26 as the strongest-performing large-cap bank by most metrics \u2014 ROE, NIM, asset quality, and loan growth. The April 18 results are expected to confirm this narrative with PAT in the Rs.12,200\u201313,200 crore range and pre-provision profit growth of approximately 26% YoY. The key swing factor is guidance \u2014 any colour on FY27 loan growth and credit cost outlook from MD &amp; CEO Sandeep Bakhshi will determine whether the stock can sustain its 22% one-year outperformance.<\/p><p>This article is for informational and educational purposes only. Investments in securities are subject to market risk. Please read all related documents before investing. Past performance is not indicative of future results.<\/p><p>For more Q4 earnings previews across IT, banking, auto, and pharma sectors, visit <a href=\"https:\/\/univest.in\/blogs\">Univest Blogs<\/a>.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_ICICI_Bank_Q4_results_2026_date\"><\/span><strong>What is the ICICI Bank Q4 results 2026 date?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>The ICICI Bank Q4 results 2026 date is April 18, 2026. The board will meet to approve the audited Q4 FY26 financial results \u2014 covering the quarter ended March 31, 2026 \u2014 and will consider a dividend recommendation for FY26.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_ICICI_Bank_Q4_FY26_PAT_estimate\"><\/span><strong>What is the ICICI Bank Q4 FY26 PAT estimate?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Analysts estimate ICICI Bank Q4 FY26 net profit (PAT) in the range of Rs.Rs. 12,200 \u2013 13,200 crore. This estimate is based on revenue assumptions of Rs.NII Rs. 21,200 \u2013 22,000 crore and a margin of NIM 4.2 \u2013 4.4%. Actual results may differ from these consensus estimates.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_ICICI_Banks_current_share_price_ahead_of_Q4_results\"><\/span><strong>What is ICICI Bank&#8217;s current share price ahead of Q4 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank shares are trading at approximately ~Rs. 1,340 as of late March 2026. The 52-week high is Rs. 1,436 and the 52-week low is Rs. 1,014. The one-year return is +22% and the market cap stands at ~Rs. 9.43 Lakh Cr.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Will_ICICI_Bank_declare_a_dividend_in_Q4_2026\"><\/span><strong>Will ICICI Bank declare a dividend in Q4 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank is expected to consider a dividend recommendation at the April 18, 2026 board meeting. FY26 dividends paid so far total Rs. 10\/share (FY25 final). Analysts estimate the Q4 final or additional dividend at Rs. 11 \u2013 13\/share FY26 (est.) per share, subject to board approval and shareholder ratification at the AGM.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_analysts_have_a_Buy_rating_on_ICICI_Bank_before_Q4_results\"><\/span><strong>Which analysts have a Buy rating on ICICI Bank before Q4 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Motilal Oswal (Buy, TP: Rs. 1,550); Bernstein (Outperform, TP: Rs. 1,600); MOFSL (Buy, TP: NA); Kotak Institutional (Buy, TP: Rs. 1,480). These ratings are based on publicly available analyst notes from March\u2013April 2026. They are for informational purposes only and not a recommendation.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_were_ICICI_Bank_Q3_FY26_results\"><\/span><strong>What were ICICI Bank Q3 FY26 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank Q3 FY26 results showed revenue of Rs.NII Rs. 20,371 crore and PAT of Rs.11,792 crore. Margins were at NIM 4.31%. Q4 is expected to show a different picture \u2014 review the estimates table in this article for full expectations.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_do_Infosys_and_TCS_announce_Q4_results_2026\"><\/span><strong>When do Infosys and TCS announce Q4 results 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>TCS Q4 results 2026 date is April 9, 2026. <a href=\"https:\/\/univest.in\/blogs\/infosys-q4-results-2026-date-preview\">Infosys Q4 results<\/a> date is April 23, 2026. HCL Technologies reports on April 21. Read full Q4 previews for all these companies on <a href=\"https:\/\/univest.in\/blogs\">Univest Blogs<\/a>.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_ICICI_Bank_a_good_investment_ahead_of_Q4_results\"><\/span><strong>Is ICICI Bank a good investment ahead of Q4 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>This depends on your risk appetite, investment horizon, and portfolio context. ICICI Bank has both compelling factors and genuine near-term risks \u2014 both are covered in detail in this article. Consult a SEBI-registered financial advisor before making any investment decision. Use the Univest Screener to assess ICICI Bank fundamentals independently before investing.<\/p><p>Disclaimer: Investment in the share market is subject to risk. This article is for informational and educational purposes only and does not constitute investment advice. All financial data and analyst estimates are sourced from publicly available information including NSE\/BSE filings, MOFSL, YES Securities, JM Financial, Screener.in and company investor relations pages. Verify all numbers before investing. Consult a SEBI-registered advisor before making investment decisions.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Recent_Articles\"><\/span><strong>Recent Articles<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p><a href=\"https:\/\/univest.in\/blogs\/infosys-q4-results-date-preview\">Infosys Q4 Results 2026: Date, Revenue, PAT &amp; Analyst Outlook<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/best-agrolife-q4-fy26-results-expectations\">Best Agrolife Q4 FY26 Results Preview &amp; Earnings Expectations<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/bhansali-engineering-polymers-q4-fy26-results-expectations\">Bhansali Engineering Polymers Q4 FY26 Results Preview &amp; Earnings Outlook<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/berger-paints-q4-fy26-results-expectations\">Berger Paints Q4 FY26 Results Preview &amp; Earnings Outlook<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/beml-q4-fy26-results-expectations\">BEML Q4 FY26 Results Preview &amp; Earnings Outlook<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>ICICI Bank Q4 Results FY26 \u2014 Board meeting on April 18, 2026 The ICICI Bank Q4 results 2026 is set to be one of the most closely watched earnings events of the April-May 2026 results season. With results scheduled for April 18, 2026, investors and analysts across brokerages are building their expectations around revenue, PAT,<\/p>\n","protected":false},"author":29,"featured_media":66123,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[842],"tags":[3953,3802],"class_list":["post-66119","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-icici-bank-q4-results","tag-news"],"metadata":{"_edit_lock":["1775026003:28"],"_last_editor_used_jetpack":["block-editor"],"rank_math_internal_links_processed":["1"],"amazonS3_cache":["a:4:{s:60:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/04\/image-7.jpeg\";a:2:{s:2:\"id\";i:66121;s:11:\"source_type\";s:13:\"media-library\";}s:92:\"\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01121002\/image-7.jpeg\";a:2:{s:2:\"id\";i:66121;s:11:\"source_type\";s:13:\"media-library\";}s:60:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/04\/image-8.jpeg\";a:2:{s:2:\"id\";i:66122;s:11:\"source_type\";s:13:\"media-library\";}s:92:\"\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01121002\/image-8.jpeg\";a:2:{s:2:\"id\";i:66122;s:11:\"source_type\";s:13:\"media-library\";}}"],"rank_math_primary_category":["842"],"rank_math_seo_score":["82"],"rank_math_description":["ICICI Bank Q4 results 2026 date is April 18. 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