RBL Bank

₹162.5 -0.7 | 0.4%

WEBSITE BSE:540065 NSE : RBLBANK 26 Dec, 16:01

Market Cap ₹9876 Cr.

Stock P/E 7.8

P/B 0.6

Current Price ₹162.5

Book Value ₹ 252.2

Face Value 10

52W High ₹300.5

Dividend Yield 0.92%

52W Low ₹ 147.6

Edit Ratio

RBL Bank Research see more...

Overview Inc. Year: 1943Industry: Bank - Private

RBL Bank Ltd is an primarily India-based financial institution. The Company operates in six business segments: Branch and Business Banking (BBB), Retail Assets, Development Banking and Financial Inclusion (DB&FI), Corporate and Institutional Banking (C&IB), Commercial Banking (CB), Treasury and Financial Markets Operations. C&IB products and services comprises various fund-based and non-fund-based products, such as liability products, mortgage products, cash control and treasury risk management. CB phase finances the commercial enterprise requirements of small and medium companies. BBB segment's offerings include financial savings account, current account, fixed deposits, and non-resident Indian (NRI) banking. Retail Assets section offers retail loans, digital lending, credit card, retail agribusiness, commodity and warehouse receipt finance, and farm mechanization. DB & FI section's merchandise comprises micro-coverage, individual business mortgage, bank gurantees, fixed deposits, salary ac and cash control services.

RBL Bank Share Price

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Peer Comparison

RBL Bank Quarterly Results

#(Fig in Cr.)	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018
Interest Earned	986	1043	1091	1151	1223
Other Income	237	257	241	258	312
Total Income	1223	1300	1332	1409	1535
Interest Expense	634	664	671	684	722
Operating Expenditure	307	324	358	392	429
Provisions and contingencies	82	94	75	82	113
Operating Profit	200	217	228	251	270
Profit Before Tax	200	217	228	251	270
Provision for Tax	70	76	78	86	92
Profit After Tax	130	141	151	165	178
Adjustments	-130	-141	-151	-165	-178
Profit After Adjustments	0	0	0	0	0
Adjusted Earnings Per Share	3.5	3.7	3.6	4	4.2

RBL Bank Profit & Loss

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Interest Earned	1352	1953	2744	3713	4508	6301	8514	8329	8176	9677	12394	4508
Other Income	261	403	491	755	1068	1442	1910	1884	2341	2489	3043
Total Income	1613	2356	3235	4469	5576	7743	10425	10213	10516	12166	15437	5576
Interest Expense	1010	1397	1925	2492	2741	3761	4885	4541	4149	4678	6351	2741
Operating Expenditure	424	600	767	1056	1503	2042	2826	2755	3622	5285	6055	1503
Provisions and contingencies	46	60	114	239	365	641	1962	2228	2860	1022	1778	364
Operating Profit	133	300	428	681	967	1299	753	689	-115	1180	1252	966
Profit Before Tax	133	300	428	681	967	1299	753	689	-115	1180	1252	966
Provision for Tax	40	93	136	235	331	432	247	181	-40	298	84	332
Profit After Tax	93	207	292	446	635	867	506	508	-75	883	1168	635
Adjustments	0	0	0	0	0	0	0	0	0	0	0	-635
Profit After Adjustments	93	207	292	446	635	867	506	508	-75	883	1168	0
Adjusted Earnings Per Share	3.4	7.1	9	11.9	15.1	20.3	9.9	8.5	-1.2	14.7	19.3	15.5

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	28%	14%	14%	25%
Operating Profit CAGR	6%	22%	-1%	25%
PAT CAGR	32%	32%	6%	29%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	-38%	5%	-13%	NA%
ROE Average	8%	5%	5%	8%
ROCE Average	8%	6%	6%	8%

RBL Bank Balance Sheet

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Shareholder's Funds	2015	2230	2989	4336	6684	7547	10583	12663	12618	13577	14796
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Deposits	11599	17099	24349	34588	43902	58394	57812	73121	79007	84887	103494
Borrowings	3896	6963	10536	7980	9261	11832	17007	11226	11093	13331	14184
Other Liabilities & Provisions	689	812	1287	1771	2003	2585	3576	3641	3491	4082	5958
Total Liabilities	18198	27105	39161	48675	61851	80359	88978	100651	106209	115876	138432
Cash and balance with RBI	981	1456	1340	2948	2589	4840	6415	6705	13111	6238	12071
Bank Balance	212	715	1110	1246	1695	1763	2442	6720	4437	2282	2346
Investments	6518	9826	14436	13482	15447	16840	18150	23230	22274	28875	29576
Advances	9835	14450	21229	29449	40268	54308	58019	58623	60022	70209	83987
Fixed Assets	111	154	158	224	303	363	408	442	467	529	525
Other Assets	518	494	869	1292	1517	2206	3482	4907	5817	7697	9921
Total Assets	18198	27105	39161	48675	61851	80359	88978	100651	106209	115876	138432

RBL Bank Cash Flow

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Opening Cash & Cash Equivalents	676	1179	1936	1531	3166	3471	5817	8225	11458	17548	8520
Cash Flow from Operating Activities	236	-2261	-4384	3434	-2528	-31	-5084	7597	6449	-11044	4935
Cash Flow from Investing Activities	-59	-58	-60	-142	-162	-190	-206	-157	-246	-223	-172
Cash Flow from Financing Activities	326	3076	4040	-1656	2995	2567	7698	-4207	-114	2239	842
Net Cash Inflow / Outflow	503	757	-405	1635	305	2345	2408	3233	6090	-9028	5605
Closing Cash & Cash Equivalent	1179	1936	1531	3166	3471	5817	8225	11458	17548	8520	14125

RBL Bank Ratios

#	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	3.41	7.06	9.01	11.89	15.13	20.32	9.94	8.49	-1.25	14.72	19.3
CEPS(Rs)	4.18	8.19	10.5	13.53	17.21	23.17	12.66	11.14	1.49	18	22.85
DPS(Rs)	0.9	1.2	1.5	1.8	2.1	2.7	1.5	0	0	1.5	1.5
Book NAV/Share(Rs)	69.26	75.97	92.02	115.53	159.25	176.85	208.01	211.72	210.29	225.18	242.57
Yield on Advances	13.74	13.52	12.93	12.61	11.19	11.6	14.68	14.21	13.62	13.78	14.76
Yield on Investments	7	5.86	5.58	8.16	7.54	6.96	8.44	7.1	7.14	6.05	7.34
Cost of Liabilities	6.52	5.8	5.52	5.85	5.16	5.36	6.53	5.38	4.6	4.76	5.4
NIM (Net Interest Margin)	1.95	2.1	2.15	2.59	2.94	3.27	4.27	3.98	4.03	4.64	4.72
Interest Spread	7.22	7.71	7.41	6.75	6.04	6.25	8.15	8.82	9.02	9.02	9.36
ROA(%)	0.59	0.91	0.88	1.02	1.15	1.22	0.6	0.54	-0.07	0.79	0.92
ROE(%)	5.31	10.07	11.21	12.18	11.53	12.19	5.58	4.37	-0.59	6.76	8.29
ROCE(%)	7.24	8.08	7.45	9.38	9.67	10.28	6.94	6.21	2.08	7.32	8.09
PER(x)	0	0	0	41.57	31.51	33.54	13.65	24.44	0	9.58	12.43
Price/Book(x)	0	0	0	4.28	2.99	3.85	0.65	0.98	0.62	0.63	0.99
Dividend Yield(%)	0	0	0	0.36	0.44	0.4	1.11	0	0	1.06	0.63
EV/Net Sales(x)	3.08	3.72	3.96	7.14	6.49	6.49	2.81	2.84	2.31	2.25	2.32
EV/Core EBITDA(x)	23.32	20.15	20.02	28.82	21.99	21.09	8.81	8.1	6.88	9.89	9.47
Interest Earned Growth(%)	53.71	44.5	40.51	35.3	21.39	39.78	35.13	-2.18	-1.84	18.36	28.09
Net Profit Growth	0.22	123.56	41.18	52.5	42.38	36.51	-41.67	0.42	-114.72	1281.13	32.31
Advances Growth	54.25	46.92	46.92	38.72	36.74	34.87	6.83	1.04	2.39	16.97	19.62
EPS Growth(%)	-6.82	107.25	27.58	31.99	27.3	34.26	-51.07	-14.58	-114.68	1281.03	31.1
Loans/Deposits(x)	33.59	40.72	43.27	23.07	21.1	20.26	29.42	15.35	14.04	15.7	13.71
Cash/Deposits(x)	0.08	0.09	0.06	0.09	0.06	0.08	0.11	0.09	0.17	0.07	0.12
Current Ratio(x)	0.56	0.57	0.59	0.39	0.35	0.29	0.31	0.32	0.28	0.34	0.29
Quick Ratio(x)	33.59	40.72	43.27	23.07	21.1	20.26	29.42	15.35	14.04	15.7	13.71
CASA %	20.43	18.46	18.64	21.98	24.32	24.98	29.61	31.82	35.29	37.36	35.22

RBL Bank Shareholding Pattern

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	0	0	0	0	0	0	0	0	0	0
FII	26.11	27.2	26.52	22.27	25.89	30	28.26	25.14	28.46	14.63
DII	14.39	14.2	22.64	22.6	20.74	19.54	19.75	20.53	20.7	27.03
Public	59.5	58.6	50.84	55.14	53.38	50.46	51.98	54.33	50.84	58.34
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

Pros

Stock is trading at 0.6 times its book value

Cons

Promoter holding is low: 0%.
Company has a low return on equity of 5% over the last 3 years.
The company has delivered a poor profit growth of 6% over past five years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	0	0	0	0	0	0	0	0	0	0
FII	15.65	16.31	15.9	13.35	15.52	18.04	17.03	15.21	17.26	8.89
DII	8.63	8.51	13.57	13.55	12.43	11.75	11.9	12.42	12.55	16.42
Public	35.67	35.13	30.48	33.06	32.01	30.35	31.33	32.88	30.82	35.45
Others	0	0	0	0	0	0	0	0	0	0
Total	59.95	59.95	59.95	59.96	59.96	60.14	60.26	60.51	60.63	60.77

RBL Bank

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RBL Bank Research see more...

Overview Inc. Year: 1943Industry: Bank - Private

RBL Bank Share Price

Alert Data

Quarterly Price

Peer Comparison

RBL Bank Quarterly Results

RBL Bank Profit & Loss

Growth Rates

RBL Bank Balance Sheet

RBL Bank Cash Flow

RBL Bank Ratios

RBL Bank Shareholding Pattern

RBL Bank News

Top Unlisted Companies & InstaBuy Companies

IPO

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