BSE: 540065 | NSE: RBLBANK | Bank - Private | Small Cap
Past 10 year's financial track record analysis by Moneyworks4me indicates that RBL Bank Ltd is a average quality company.
The key valuation ratios of RBL Bank Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of RBL Bank Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income (₹ Cr.) | 556 | 819 | 1,221 | 1,766 | 2,539 | 3,630 | 3,788 | 4,027 | 4,998 | 6,043 | 6,461 | |
| YoY Gr. Rt. % | - | 47.2% | 49.1% | 44.6% | 43.8% | 42.9% | 4.4% | 6.3% | 24.1% | 20.9% | - | |
| Total Income | 2,356 | 3,235 | 4,469 | 5,576 | 7,743 | 10,425 | 10,213 | 10,516 | 12,166 | 15,437 | 16,944 | |
| YoY Gr. Rt. % | - | 37.3% | 38.1% | 24.8% | 38.9% | 34.6% | -2% | 3% | 15.7% | 26.9% | - | |
| Adj EPS (₹ ) | 7.1 | 9 | 11.9 | 15.1 | 20.3 | 9.9 | 8.5 | -1.3 | 14.7 | 19.3 | 19.4 | |
| YoY Gr. Rt. % | - | 27.6% | 32% | 27.3% | 34.3% | -51.1% | -14.6% | -114.7% | NA | 31.1% | - | |
| BVPS (₹ ) | 76 | 92 | 115.5 | 159.3 | 176.9 | 208 | 211.7 | 210.3 | 225.2 | 242.6 | 252.2 | |
| YoY Gr. Rt. % | - | 21.1% | 25.6% | 37.8% | 11.1% | 17.6% | 1.8% | -0.7% | 7.1% | 7.7% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 0.9 | 0.9 | 1 | 1.2 | 1.2 | 0.6 | 0.5 | -0.1 | 0.8 | 0.9 | 0.8 | |
| To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net NPA to Net Advances (%) | 0.3 | 0.6 | 0.6 | 0.8 | 0.7 | 2.1 | 2.1 | 1.3 | 1.1 | 0.7 | 0.8 | |
| To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Capital Adequacy Ratio (%) | - | - | - | - | - | - | - | - | - | - | - | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 30.4% | 18.9% | 16.9% | 20.9% | ||||
| Total Income | 23.2% | 14.8% | 14.8% | 26.9% | ||||
| Adj EPS | 11.8% | -1% | 31.5% | 31.1% | ||||
| BVPS | 13.8% | 6.5% | 4.6% | 7.7% | ||||
| Share Price | - | -15.2% | -7.1% | -34.1% | ||||
| RATIOS \ YEARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned / Total Income | 82.88 | 84.84 | 83.09 | 80.84 | 81.37 | 81.68 | 81.55 | 77.74 | 79.54 | 80.29 | 80 | |
| Margins | To view Margins Colour Rating Guide click here ⓘ | |||||||||||
| NIM (%) | 2.1 | 2.2 | 2.6 | 2.9 | 3.3 | 4.3 | 4 | 4 | 4.6 | 4.7 | 4.5 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 10.1 | 11.2 | 12.2 | 11.5 | 12.2 | 5.6 | 4.4 | -0.6 | 6.8 | 8.3 | 7.7 | |
| Liquidity Ratio | To view Liquidity Ratio Colour Rating Guide click here ⓘ | |||||||||||
| CASA (%) | 18.5 | 18.6 | 22 | 24.3 | 25 | 29.6 | 31.8 | 35.3 | 37.4 | 35.2 | - | |
Return on Equity has increased versus last 3 years average to 7.80%
Total Income has increased 14.76 CAGR in last 3 years
Net Profit has increased 31.49 CAGR in last 3 years
Net NPA to Net Advances has declined versus last 3 years average
Total income growth is good in last 4 quarters
No data to display
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 19.4 | 19.6 |
| TTM Sales (₹ Cr.) | 13,558 | 13,559 |
| BVPS (₹.) ⓘ | 252.2 | 252.7 |
| Reserves (₹ Cr.) ⓘ | 14,718 | 14,748 |
| P/BV ⓘ | 0.63 | 0.63 |
| PE ⓘ | 8.14 | 8.05 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 151.55 / 300.50 |
| All Time Low / High (₹) | 74.15 / 716.55 |
| Market Cap (₹ Cr.) | 9,602 |
| Equity (₹ Cr.) | 607.7 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 17.7 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 2,356 | 3,235 | 4,469 | 5,576 | 7,743 | 10,425 | 10,213 | 10,516 | 12,166 | 15,437 |
| Interest Income | 1,953 | 2,744 | 3,713 | 4,508 | 6,301 | 8,514 | 8,329 | 8,176 | 9,677 | 12,394 |
| Other Income ⓘ | 403 | 491 | 755 | 1,068 | 1,442 | 1,910 | 1,884 | 2,341 | 2,489 | 3,043 |
| Expenditure | 2,149 | 2,942 | 4,023 | 4,941 | 6,876 | 9,919 | 9,705 | 10,591 | 11,283 | 14,269 |
| Interest Expense | 1,397 | 1,925 | 2,492 | 2,741 | 3,761 | 4,885 | 4,541 | 4,149 | 4,678 | 6,351 |
| Operating Expenses | 600 | 767 | 1,056 | 1,503 | 2,042 | 2,826 | 2,755 | 3,622 | 5,285 | 6,055 |
| Provisions | 153 | 250 | 474 | 696 | 1,073 | 2,209 | 2,409 | 2,820 | 1,320 | 1,863 |
| Profit Before Tax | 300 | 428 | 681 | 967 | 1,299 | 753 | 689 | -115 | 1,180 | 1,252 |
| Taxes | 93 | 136 | 235 | 331 | 432 | 247 | 181 | -40 | 298 | 84 |
| Profit After Tax | 207 | 292 | 446 | 635 | 867 | 506 | 508 | -75 | 883 | 1,168 |
| Adjusted EPS (₹) | 7.06 | 9.01 | 11.89 | 15.13 | 20.32 | 9.94 | 8.49 | -1.25 | 14.72 | 19.30 |
| Dividend Payout Ratio (%) | 17% | 17% | 15% | 14% | 13% | 15% | 0% | 0% | 10% | 8% |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Share Capital ⓘ | 293 | 325 | 375 | 420 | 427 | 509 | 598 | 600 | 600 | 605 |
| Total Reserves ⓘ | 1,937 | 2,665 | 3,960 | 6,264 | 7,121 | 10,074 | 12,064 | 12,008 | 12,902 | 14,074 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 17,099 | 24,349 | 34,588 | 43,902 | 58,394 | 57,812 | 73,121 | 79,007 | 84,887 | 1,03,494 |
| Borrowings ⓘ | 6,963 | 10,536 | 7,980 | 9,261 | 11,832 | 17,007 | 11,226 | 11,093 | 13,331 | 14,184 |
| Other Liabilities | 812 | 1,287 | 1,771 | 2,003 | 2,585 | 3,576 | 3,641 | 3,501 | 4,157 | 6,076 |
| Total Liabilities ⓘ | 27,105 | 39,161 | 48,675 | 61,851 | 80,359 | 88,978 | 1,00,651 | 1,06,209 | 1,15,876 | 1,38,432 |
Assets | ||||||||||
| Balance with RBI | 1,456 | 1,340 | 2,948 | 2,589 | 4,840 | 6,415 | 6,705 | 13,111 | 6,238 | 12,071 |
| Balance with Banks | 715 | 1,110 | 1,246 | 1,695 | 1,763 | 2,442 | 6,720 | 4,437 | 2,282 | 2,346 |
| Investments ⓘ | 9,826 | 14,436 | 13,482 | 15,447 | 16,840 | 18,150 | 23,230 | 22,274 | 28,875 | 29,576 |
| Advances | 14,450 | 21,229 | 29,449 | 40,268 | 54,308 | 58,019 | 58,623 | 60,022 | 70,209 | 83,987 |
| Net Block ⓘ | 154 | 158 | 224 | 303 | 363 | 408 | 442 | 467 | 529 | 525 |
| Other Assets | 494 | 869 | 1,292 | 1,517 | 2,206 | 3,482 | 4,907 | 5,817 | 7,697 | 9,921 |
| Total Assets ⓘ | 27,105 | 39,161 | 48,675 | 61,851 | 80,359 | 88,978 | 1,00,651 | 1,06,209 | 1,15,876 | 1,38,432 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -2,261 | -4,384 | 3,434 | -2,528 | -31 | -5,084 | 7,597 | 6,449 | -11,044 | 4,935 |
| Cash Flow From Investing Activity ⓘ | -58 | -60 | -142 | -162 | -190 | -206 | -157 | -246 | -223 | -172 |
| Cash Flow From Financing Activity ⓘ | 3,076 | 4,040 | -1,656 | 2,995 | 2,567 | 7,698 | -4,207 | -114 | 2,239 | 842 |
| Net Cash Flow ⓘ | 757 | -405 | 1,635 | 305 | 2,345 | 2,408 | 3,233 | 6,090 | -9,028 | 5,605 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 7 | 9 | 12 | 15 | 20 | 10 | 8 | -1 | 15 | 19 |
| DPS (₹) | 1 | 2 | 2 | 2 | 3 | 2 | 0 | 0 | 2 | 2 |
| BVPS (₹) | 76 | 92 | 116 | 159 | 177 | 208 | 212 | 210 | 225 | 243 |
Margin Ratios | ||||||||||
| Yield on Advances (%) | 13.5 | 12.9 | 12.6 | 11.2 | 11.6 | 14.7 | 14.2 | 13.6 | 13.8 | 14.8 |
| Yield on Investments (%) | 5.9 | 5.6 | 8.2 | 7.5 | 7.0 | 8.4 | 7.1 | 7.1 | 6.1 | 7.3 |
| Cost of Liabilities (%) | 5.8 | 5.5 | 5.9 | 5.2 | 5.4 | 6.5 | 5.4 | 4.6 | 4.8 | 5.4 |
| NIM (%) | 2.1 | 2.2 | 2.6 | 2.9 | 3.3 | 4.3 | 4.0 | 4.0 | 4.6 | 4.7 |
| Interest Spread (%) | 7.7 | 7.4 | 6.8 | 6.0 | 6.3 | 8.2 | 8.8 | 9.0 | 9.0 | 9.4 |
Performance Ratios | ||||||||||
| ROA (%) | 0.9 | 0.9 | 1.0 | 1.2 | 1.2 | 0.6 | 0.5 | -0.1 | 0.8 | 0.9 |
| ROE (%) | 10.1 | 11.2 | 12.2 | 11.5 | 12.2 | 5.6 | 4.4 | -0.6 | 6.8 | 8.3 |
| ROCE (%) | 8.1 | 7.5 | 9.4 | 9.7 | 10.3 | 6.9 | 6.2 | 2.1 | 7.3 | 8.1 |
Efficiency Ratios | ||||||||||
| Cost to Income Ratio (%) | 62.5 | 58.6 | 53.4 | 53.0 | 51.3 | 51.0 | 48.6 | 56.9 | 70.6 | 66.6 |
| Operating Costs to Assets (%) | 2.2 | 2.0 | 2.2 | 2.4 | 2.5 | 3.2 | 2.7 | 3.4 | 4.6 | 4.4 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.0 | 0.0 | 4.3 | 3.0 | 3.9 | 0.7 | 1.0 | 0.6 | 0.6 | 1.0 |
RBL Bank is one of India’s fastest growing private sector banks with an expanding presence across the country. The Bank offers specialized services under six business verticals namely: Corporate & Institutional Banking, Commercial Banking, Branch & Business Banking, Retail Assets and Treasury and Financial Markets Operations. RBL Bank is listed on both NSE and BSE (RBLBANK). The Bank is governed by the Banking Regulation Act, 1949 and the Companies Act, 2013. The Bank commenced its operations at its International Financial Services Centre Banking Unit (IBU) in Gujarat International Finance Tec (GIFT) City, Gujarat in April 2017.
Business area of the bank
RBL Bank Limited is a banking company engaged in providing a wide range of banking and financial services including wholesale banking, retail banking, treasury operations and other banking related activities.
Products and Services offered by the bank
Personal Banking
Business Banking
Wholesale Banking
NRI
Insignia
Awards
2012
2013
2014
2015
2016
2017
2018
2019
2020
Milestones
2013-14
2014-15
2015-16
2016-17
2017-18
2018-19
2019-20
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Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
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Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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