RBL Bank

₹235.9 5.4 | 2.4%

WEBSITE BSE:540065 NSE : RBLBANK 26 Jul, 16:12

Market Cap ₹14302 Cr.

Stock P/E 11.0

P/B 0.9

Current Price ₹235.9

Book Value ₹ 248.5

Face Value 10

52W High ₹300.5

Dividend Yield 0.64%

52W Low ₹ 209.1

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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Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

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Peer Comparison

RBL Bank Quarterly Results

#(Fig in Cr.)	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Interest Earned	2201	2203	2286	2497	2643	2855	3008	3191	3339	3497
Other Income	513	614	585	624	684	694	713	777	876	775
Total Income	2714	2817	2871	3121	3327	3549	3721	3969	4215	4272
Interest Expense	1000	1062	1111	1221	1285	1434	1533	1645	1739	1796
Operating Expenditure	1090	1218	1261	1318	1417	1431	1423	1546	1576	1634
Provisions and contingencies	401	253	242	293	235	266	640	458	414	366
Operating Profit	224	284	257	290	390	418	125	320	486	475
Profit Before Tax	224	284	257	290	390	418	125	320	486	475
Provision for Tax	59	75	69	65	92	99	-206	75	121	124
Profit After Tax	165	209	188	225	299	319	331	245	364	351
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	165	209	188	225	299	319	331	245	364	351
Adjusted Earnings Per Share	2.7	3.5	3.1	3.7	5	5.3	5.5	4.1	6	5.8

RBL Bank Profit & Loss

#(Fig in Cr.)	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Interest Earned	3713	4561	6302	8779	8676	8445	9677	12394	13035
Other Income	755	1069	1441	1918	1875	2352	2507	3060	3141
Total Income	4469	5630	7743	10697	10551	10796	12184	15454	16177
Interest Expense	2492	2741	3761	4885	4539	4148	4679	6350	6713
Operating Expenditure	1056	1548	2044	3103	3071	3994	5262	5977	6179
Provisions and contingencies	239	367	641	1962	2228	2860	1022	1778	1878
Operating Profit	681	974	1298	747	712	-207	1221	1349	1406
Profit Before Tax	681	974	1298	747	712	-207	1221	1349	1406
Provision for Tax	235	335	436	247	183	-40	302	89	114
Profit After Tax	446	639	861	500	529	-166	920	1260	1291
Adjustments	1	-8	-4	0	0	0	0	0	0
Profit After Adjustments	447	632	858	500	529	-166	920	1260	1291
Adjusted Earnings Per Share	11.9	15.1	20.1	9.8	8.9	-2.8	15.3	20.8	21.4

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	28%	13%	14%	0%
Operating Profit CAGR	10%	24%	1%	0%
PAT CAGR	37%	34%	8%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	-1%	6%	-12%	NA%
ROE Average	9%	5%	5%	7%
ROCE Average	8%	6%	6%	8%

RBL Bank Balance Sheet

#(Fig in Cr.)	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Shareholder's Funds	4336	6681	7535	10565	12666	12530	13526	14837
Minority's Interest	0	19	0	0	0	0	0	0
Deposits	34588	43883	58358	57812	73055	79006	84875	103470
Borrowings	7980	9261	11832	17007	11226	11098	13332	14185
Other Liabilities & Provisions	1771	2033	2673	3600	3672	3528	4074	5961
Total Liabilities	48676	61877	80398	88983	100619	106163	115806	138454
Cash and balance with RBI	2948	2589	4840	6416	6705	13111	6238	12071
Bank Balance	1246	1721	1809	2443	6738	4446	2289	2353
Investments	13482	15397	16745	18055	23085	22129	28730	29478
Advances	29449	40268	54308	58006	58623	60005	70186	83987
Fixed Assets	224	308	376	430	471	538	594	591
Other Assets	1292	1563	2280	3572	4973	5853	7723	9967
Total Assets	48676	61877	80398	88983	100619	106163	115806	138454

RBL Bank Cash Flow

#(Fig in Cr.)	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Opening Cash & Cash Equivalents	1531	3207	3480	5923	8226	11477	17552	8522
Cash Flow from Operating Activities	3434	-2556	78	-5173	7631	6449	-11031	4955
Cash Flow from Investing Activities	-142	-165	-202	-223	-174	-264	-234	-193
Cash Flow from Financing Activities	-1656	2994	2567	7698	-4207	-109	2235	843
Net Cash Inflow / Outflow	1635	273	2443	2302	3251	6076	-9030	5604
Closing Cash & Cash Equivalent	3166	3480	5923	8226	11477	17552	8522	14126

RBL Bank Ratios

#	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	11.91	15.05	20.1	9.83	8.85	-2.77	15.34	20.82
CEPS(Rs)	13.53	17.35	23.13	12.7	11.69	0.23	18.89	24.7
DPS(Rs)	1.8	2.1	2.7	1.5	0	0	1.5	1.5
Book NAV/Share(Rs)	115.55	159.16	176.55	207.66	211.78	208.83	224.33	243.25
Yield on Advances	12.61	11.33	11.6	15.13	14.8	14.07	13.79	14.76
Yield on Investments	8.16	7.56	7	8.49	7.15	7.19	6.08	7.36
Cost of Liabilities	5.85	5.16	5.36	6.53	5.39	4.6	4.76	5.4
NIM (Net Interest Margin)	2.59	3.04	3.27	4.59	4.35	4.31	4.65	4.73
Interest Spread	6.75	6.17	6.25	8.61	9.41	9.47	9.02	9.36
ROA(%)	0.92	1.16	1.21	0.59	0.56	-0.16	0.83	0.99
ROE(%)	10.29	11.61	12.12	5.53	4.56	-1.32	7.08	8.95
ROCE(%)	9.84	9.73	10.28	6.92	6.3	1.7	7.5	8.43
PER(x)	41.5	31.68	33.89	13.8	23.44	0	9.2	11.52
Price/Book(x)	4.28	3	3.86	0.65	0.98	0.62	0.63	0.99
Dividend Yield(%)	0.36	0.44	0.4	1.11	0	0	1.06	0.63
EV/Net Sales(x)	7.14	6.42	6.49	2.72	2.72	2.24	2.25	2.32
EV/Core EBITDA(x)	28.82	21.83	21.1	8.83	8.04	7.12	9.71	9.18
Interest Earned Growth(%)	0	22.85	38.16	39.3	-1.17	-2.66	14.59	28.08
Net Profit Growth	0	43.3	34.76	-41.93	5.85	-131.38	653.45	37.01
Advances Growth	0	36.74	34.87	6.81	1.06	2.36	16.97	19.66
EPS Growth(%)	0	26.4	33.56	-51.09	-9.96	-131.3	653.4	35.76
Loans/Deposits(x)	23.07	21.1	20.28	29.42	15.37	14.05	15.71	13.71
Cash/Deposits(x)	0.09	0.06	0.08	0.11	0.09	0.17	0.07	0.12
Current Ratio(x)	0.39	0.35	0.29	0.31	0.32	0.28	0.34	0.28
Quick Ratio(x)	23.07	21.1	20.28	29.42	15.37	14.05	15.71	13.71
CASA %	21.98	24.32	24.93	29.61	31.81	35.29	37.35	35.21

RBL Bank Shareholding Pattern

#	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	0	0	0	0	0	0	0	0	0	0
FII	28.2	26.11	27.2	26.52	22.27	25.89	30	28.26	25.14	28.46
DII	21.8	14.39	14.2	22.64	22.6	20.74	19.54	19.75	20.53	20.7
Public	50	59.5	58.6	50.84	55.14	53.38	50.46	51.98	54.33	50.84
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 0.9 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 7% 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

#	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	0	0	0	0	0	0	0	0	0	0
FII	16.9	15.65	16.31	15.9	13.35	15.52	18.04	17.03	15.21	17.26
DII	13.07	8.63	8.51	13.57	13.55	12.43	11.75	11.9	12.42	12.55
Public	29.98	35.67	35.13	30.48	33.06	32.01	30.35	31.33	32.88	30.82
Others	0	0	0	0	0	0	0	0	0	0
Total	59.95	59.95	59.95	59.95	59.96	59.96	60.14	60.26	60.51	60.63

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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