ICICI Bank Q4 Results 2026: Date, Revenue, PAT & Analyst Outlook

Wed Apr 01 2026

ICICI Bank Q4 Results FY26 — 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, margin trajectory, and what management will say about FY27.

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’s result and guidance commentary particularly important for investors deciding whether to hold, add, or exit.

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.

Table of Contents

ICICI Bank Q4 Results 2026 Date

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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.

Here is how the broader Q4 FY26 earnings calendar looks for large-cap Indian companies in April–May 2026:

Company	Q4 FY26 Results Date
TCS	April 9, 2026
HDFC Bank / ICICI Bank	April 18, 2026
HCL Technologies	April 21, 2026
Infosys	April 23, 2026
ICICI Bank	April 18, 2026

Source: BSE/NSE exchange filings, April 2026. Expected dates may change. Verify before relying.

Why This Quarter Matters

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 — ROE, NIM, asset quality, and loan growth.

The market is also watching closely because Q4 is the full-year wrap-up quarter — 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 6–12 months, not just the next quarter.

ICICI Bank Q4 FY26 Earnings Estimates

ICICI Bank Q4 FY26 — Revenue, PAT, margin and growth estimates from leading brokerages

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Here is what leading brokerages are estimating for ICICI Bank Q4 FY26 results:

Metric	Q3 FY26 (Actual)	Q4 FY26 (Estimate)
Revenue (Rs. Cr)	NII Rs. 20,371	NII Rs. 21,200 – 22,000
Net Profit / PAT (Rs. Cr)	11,792	Rs. 12,200 – 13,200
Margin	NIM 4.31%	NIM 4.2 – 4.4%
CC / Volume Growth	Prior quarter	+15–18% PAT YoY (est.)
Dividend (FY26)	Rs. 10/share (FY25 final)	Rs. 11 – 13/share FY26 (est.)

Estimates compiled from MOFSL, YES Securities, JM Financial. Actual figures from NSE/BSE filings. Verify before investing.

The estimates above represent analyst consensus. Actual results could diverge — positively or negatively — based on one-time items, currency movements, and sector-specific developments. The key number to watch, beyond the headline PAT, is management’s commentary on FY27 guidance.

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5 Key Factors That Will Drive ICICI Bank Q4 FY26 Performance

Return on Equity and Pre-Provision Profit

ICICI Bank has consistently delivered ROE above 18% — 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.

Net Interest Margin Resilience

ICICI Bank’s NIM has held steady in the 4.3–4.4% range — the strongest among large private sector banks. Analysts do not expect material compression in Q4 despite the RBI rate cycle turning. The bank’s asset-liability profile is better positioned for a rate cut environment than most peers.

Retail and SME Loan Growth

ICICI Bank has been the most consistent lender in maintaining 15%+ loan growth through FY26. Q4 retail disbursements — in home loans, auto loans, and personal loans — are expected to remain healthy. Business banking and SME lending have also been standout growth segments.

Asset Quality — Consistent Outperformance

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’s re-rating over the past three years.

Dividend and Capital Allocation

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.11–13 per share. The bank’s strong capital adequacy ratio (well above RBI requirements) provides capacity for higher dividends without constraining loan growth.

5 Risks to Watch in ICICI Bank Q4 FY26

Microfinance and Unsecured Loan Stress

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.

RBI Rate Cuts Compressing NIM

As the RBI moves toward a rate cut cycle in FY27, ICICI Bank’s lending yields will reprice downward faster than its deposit costs — creating NIM compression risk. The bank’s floating-rate loan book is large, making it sensitive to rate cuts.

Competitive Intensity in Retail Deposits

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.

Regulatory Capital Requirements

RBI’s evolving guidelines on capital adequacy and provisioning norms — particularly for infrastructure loans and unsecured consumer credit — could require ICICI Bank to hold higher capital buffers, affecting dividend payout capacity in FY27.

Valuation at Historical Highs

ICICI Bank trades at approximately 3x book value — 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.

ICICI Bank Share Price and Analyst Ratings

ICICI Bank share price snapshot and analyst ratings heading into Q4 FY26 results

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.

Here is where leading brokerages stand on ICICI Bank heading into Q4 FY26 results:

Brokerage	Rating	Target Price	Key Thesis
Motilal Oswal	Buy	Rs. 1,550	Best-in-class returns; ROE >18%
Bernstein	Outperform	Rs. 1,600	NIM resilience + retail franchise strength
MOFSL	Buy	NA	Pre-provision profit growth 26% YoY expected
Kotak Institutional	Buy	Rs. 1,480	Consistent asset quality + capital adequacy

Source: Publicly available analyst notes, March–April 2026. For informational purposes only.

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Conclusion

ICICI Bank is entering Q4 FY26 as the strongest-performing large-cap bank by most metrics — ROE, NIM, asset quality, and loan growth. The April 18 results are expected to confirm this narrative with PAT in the Rs.12,200–13,200 crore range and pre-provision profit growth of approximately 26% YoY. The key swing factor is guidance — any colour on FY27 loan growth and credit cost outlook from MD & CEO Sandeep Bakhshi will determine whether the stock can sustain its 22% one-year outperformance.

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.

For more Q4 earnings previews across IT, banking, auto, and pharma sectors, visit Univest Blogs.

Frequently Asked Questions

What is the ICICI Bank Q4 results 2026 date?

The ICICI Bank Q4 results 2026 date is April 18, 2026. The board will meet to approve the audited Q4 FY26 financial results — covering the quarter ended March 31, 2026 — and will consider a dividend recommendation for FY26.

What is the ICICI Bank Q4 FY26 PAT estimate?

Analysts estimate ICICI Bank Q4 FY26 net profit (PAT) in the range of Rs.Rs. 12,200 – 13,200 crore. This estimate is based on revenue assumptions of Rs.NII Rs. 21,200 – 22,000 crore and a margin of NIM 4.2 – 4.4%. Actual results may differ from these consensus estimates.

What is ICICI Bank’s current share price ahead of Q4 results?

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.

Will ICICI Bank declare a dividend in Q4 2026?

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 – 13/share FY26 (est.) per share, subject to board approval and shareholder ratification at the AGM.

Which analysts have a Buy rating on ICICI Bank before Q4 results?

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–April 2026. They are for informational purposes only and not a recommendation.

What were ICICI Bank Q3 FY26 results?

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 — review the estimates table in this article for full expectations.

When do Infosys and TCS announce Q4 results 2026?

TCS Q4 results 2026 date is April 9, 2026. Infosys Q4 results date is April 23, 2026. HCL Technologies reports on April 21. Read full Q4 previews for all these companies on Univest Blogs.

Is ICICI Bank a good investment ahead of Q4 results?

This depends on your risk appetite, investment horizon, and portfolio context. ICICI Bank has both compelling factors and genuine near-term risks — 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.

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.