Is RBL Bank a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that RBL Bank Ltd is a average quality company .

Is RBL Bank undervalued or overvalued?

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 .

What is RBL Bank share price return in the past 10 years?

Data is not available for this company

Is RBL Bank a good buy now?

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.

RBL Bank Ltd - Stock Valuation and Financial Performance

Name: RBL Bank
Brand: RBL Bank

BSE: 540065 | NSE: RBLBANK | Bank - Private | Small Cap

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RBL Bank Share Price

₹162.95 7.00 4.49%
as on 03-Dec'24 16:59

10 Year X-Ray of RBL Bank:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis ^P

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 ⓘ

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	-	-14.9%	-5.4%	-30.1%

Key Financial Ratios


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	-

Recent Performance Summary

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

Latest Financials - RBL Bank Ltd.

	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 ⓘ	0.62	0.62
PE ⓘ	8.03	7.95

From the Market
52 Week Low / High (₹)	147.55 / 300.50
All Time Low / High (₹)	74.15 / 716.55
Market Cap (₹ Cr.)	9,478
Equity (₹ Cr.)	607.8
Face Value (₹)	10
Industry PE ⓘ	18.1

Management X-Ray of RBL Bank:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of RBL Bank

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

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Key Ratios of RBL Bank

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

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%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

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

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

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

Finance Ratio

Standalone Basis Consolidated Basis

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 Ltd Stock News

RBL Bank Ltd FAQs

What is the share price of RBL Bank?

Company share prices are keep on changing according to the market conditions. The closing price of RBL Bank on 03-Dec-2024 16:59 is ₹162.9.

What is the market cap of RBL Bank?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 03-Dec-2024 16:59 the market cap of RBL Bank stood at ₹9,478.

What is the P/E ratio of RBL Bank?

The latest P/E ratio of RBL Bank as of 03-Dec-2024 16:59 is 8.03.

What is the P/B ratio of RBL Bank?

The latest P/B ratio of RBL Bank as of 03-Dec-2024 16:59 is 0.62.

What is the 52-week high and low of RBL Bank?

The 52-week high of RBL Bank is ₹300.5 and the 52-week low is ₹147.6.

What is the TTM revenue of RBL Bank?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of RBL Bank is ₹13,558 ( Cr.) .

About RBL Bank Ltd

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

Accounts
Fixed Deposits
Credit Cards
Loans
Insurance
Investments
Demat
Convenience Banking
Ways to Banking
Forex Services

Business Banking

Business
Agri Banking
Micro & Small Business Banking

Wholesale Banking

Clients
Products and Services

NRI

NRI Accounts
NRI Deposits
NRI Money Transfer

Insignia

Awards

2012

A Business Today and KPMG study- Rated As India's Best Bank (Growth) In The Mid-Sized Bank Segment.
Asian Banker Technology Implementation Award- Winner Of The Best Core Banking Project, India

2013

A Business Today and KPMG study- Rated As India's Best Bank (Growth) In The Mid-Sized Bank Segment
Business World-PWC Best Bank Survey- Fastest Growing Small Bank
Sunday Standards Best Bankers Award- Best Indian Banker (Small-Sized)

2014

A Business Today and KPMG study- Rated As India's Best Bank (Growth) In The Mid-Sized Bank Segment
World Economic Forum- Recognised As A Global Growth Company
Business World-PWC Best Bank Survey- Fastest Growing Small Bank
Dun & Bradstreet Banking Awards- Best Bank - Priority Sector Lending (Private Sector)

2015

IDRBT Banking Technology Excellence Awards- Best Bank - Cyber Defence
A Business Today and KPMG study- Rated As India's Best Bank (Growth) In The Mid-Sized Bank Segment
A Business Today and KPMG study- Rated As India's Best Overall Bank (Small Category)
A Business Today and KPMG study- Rated As India's Best Bank (Quality Of Assets)
Business World-PWC Best Bank Survey- Fastest Growing Small Bank
Dun & Bradstreet Banking Awards- Best Bank - Priority Sector Lending (Private Sector)
Finnoviti- Best ESB (Enterprise State Bus) Deployment
IDRBT Banking Technology Excellence Awards- Use Of Technology For Financial Inclusion

2016

MasterCard Innovation Awards- Best Debit Card Innovations For The India Startup Club Debit Card
The Asian Banker Technology Innovation Awards- Best Corporate Payment Project
Business Today - KPMG, Fastest growing Small Bank- India's Best Overall Bank (Small Category)

2017

Dun & Bradstreet Banking Awards 2017- High Growth Private Sector Bank
Magna Awards 2017- Best Growing Small Bank
VCCircle Awards- Financial Services Company Of The Year
IBA Banking Technology Awards- Awarded The Best It Risk & Cyber Security Initiative Category And Best Payment Initiative Category
Ernst & Young (EY) Entrepreneur Of The Year 2016 India Awards- Vishwavir Ahuja -Entrepreneur Of The Year
IBLA Awards- Awarded The CNBC Asia's India Talent Management Award

2018

Aadhaar Excellence Awards 2018- Opening Highest Percentage Of Aadhaar Centres
CNBC Awaaz CEO Awards 2018- Most Promising Company Of The Year
IBLA Awards 2018- Most Promising Company Of The Year
Outlook Money Awards 2018- Best Bank
Business Today Banking Awards- Best Small Bank
Magna Awards 2018- Fastest Growing Small-Sized Bank

2019

Digital Payments Award by MeitY- Outstanding Performance In Pos Deployment In Northeast
TISS LeapVault CLO Award- Best Program For Sales Enablement
The Asian Banker Financial Technology Innovation Awards- Best Self Service Banking Initiative, Application
Asiamoney Awards 2019- Best Bank For Microfinance In India
BFSI Digital Innovation Awards 2019 by Express Computers- Recognised For Enterprise Mobility

2020