RBL Bank
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RBL Bank share price

RBL Bank Ltd.

NSE: RBLBANK BSE: 540065 SECTOR: Bank - Private  234k   971   214

152.79
-11.54 (-7.02%)
NSE: 20 Dec 04:02 PM

Price Summary

Today's High

₹ 165

Today's Low

₹ 151.26

52 Week High

₹ 300.7

52 Week Low

₹ 147.5

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 9286.09 Cr.

CASA %

35.22

No. of Shares

60.78 Cr.

P/E

7.87

P/B

0.61

Face Value

₹ 10

Div. Yield

0.98 %

Book Value (TTM)

₹  252.17

Net Interest Income

₹ 6042.89 Cr.

Cost To Income %

66.64

Promoter Holding

0 %

EPS (TTM)

₹  19.41

CAR %

16.18

ROE

8.29 %

ROCE

8.09%

Profit Growth

32.31 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 24 Indices.

NIFTYPTBNK

Nifty Private Bank
24617.6
  -438.700000000001 (-1.75085706987863%)

NIFTY500

Nifty 500
22319.4
  -432.75 (-1.90201805104133%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
19899.4
  -461.949999999997 (-2.26875919327548%)

NIFTYSMALL

NIFTY Smallcap 100
18714.3
  -418.799999999999 (-2.18887686783636%)

NIFTYSMALLCAP250

Nifty Smallcap 250
17693.65
  -363.549999999999 (-2.01332432492302%)

NIF500LGMIDSML

Nifty500 LargeMidSmall Equal-Cap Weighted Index
17537.05
  -369.299999999999 (-2.06239685921474%)

NFTMIDSMLFINSER

Nifty MidSmall Financial Services
15843.55
  -558.900000000001 (-3.40741779429293%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
15748.9
  -319.200000000001 (-1.98654476882768%)

NFT500EQUAL

Nifty 500 Equal Weight
14164.9
  -298.9 (-2.06653853067659%)

NIFTY500VAL50

NIFTY500 Value 50
13676.45
  -331.799999999999 (-2.36860421537308%)

NIFTYTOTALMCAP

NIFTY Total Market
12606.65
  -246.4 (-1.91705470685946%)

NIFTYHOUSING

Nifty Housing
11038.9
  -234.450000000001 (-2.07968350135497%)

NIFTYSMALLCAP50

Nifty Smallcap 50
8925.85
  -252.6 (-2.75209866589675%)

NIFTYHIGHBETA

Nifty High Beta 50
3553
  -103.2 (-2.82260270225917%)

NIFTYFULLMIDCAP100

NIFTY FULL MIDCAP 100
5987.56
  -42.7999999999993 (-0.709742038617911%)

SMLCAP

Bse SmallCap
55149.22
  -1188.47 (-2.10954691255535%)

BSE500

Bse 500
35082.25
  -680.419999999998 (-1.90259843574319%)

BSEPVTBANK

Bse Private Banks Index
17889.64
  -307.850000000002 (-1.69171682468298%)

MSL400

Bse 400 MidSmallCap Index
12101.72
  -276.790000000001 (-2.23605264284636%)

FINSER

BSE Financial Services
11379.57
  -187.380000000001 (-1.61996031797493%)

SMLSEL

Bse SmallCap Select Index
8057.22
  -179.749999999999 (-2.18223448671051%)

SML250

Bse 250 SmallCap Index
7054.81
  -146.24 (-2.03081495059748%)

ALLCAP

Bse Allcap
10471.31
  71.0699999999997 (0.683349615008888%)

S&P MIDSMLCAP

Bse MidSmallCap
13527.25
  -313.42 (-2.26448575105107%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year8.29%
3 Year4.82%
5 Year4.88%

ROA%

1 Year0.92%
3 Year0.55%
5 Year0.55%

Net NPA%

1 Year0.74%
3 Year1.06%
5 Year1.47%

 NIM

1 Year4.72%
3 Year4.47%
5 Year4.33%

CAR %

16.18

Cost of Liabilities %

5.3973

PEG Ratio

0.25

Advances Growth %

19.6235

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 0.00 0.00
Jun 2024 0.00 0.00
Mar 2024 0.00 0.00
Dec 2023 0.00 0.00
Sep 2023 0.00 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 4.46657835117574% since last 3 years.
  • CASA stands at 35.218% of total deposits.
  • Other Income is 24.5507399069705% of total income.
  • Good Capital Adequacy Ratio of 16.18%.
  • The company has delivered good Profit growth of 32.0012763783425% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.547047609483657%
  • CASA Growth of -2.1454% YoY, which is very low.
  • Company has a low ROE of 4.81988829745931% over the last 3 years.
  • High Cost to income ratio of 66.6429%.
  • Increase in Provision and contingencies of 74.0274866676452% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 3007.95 3191.38 3339.09 3496.24 3530.93
Other Income 704.44 777.57 875.47 805.46 927.36
Interest Expended 1532.97 1645.52 1739.24 1796.27 1915.96
Operating Expenses 1448.44 1558.18 1588.29 1646.35 1632.44
Total Provisions 640.35 458.14 413.79 366.29 618.33
Profit Before Tax 90.63 307.11 473.24 492.79 291.56
Tax -203.45 74.02 120.6 121.27 69.04
Net Profit 294.08 233.09 352.64 371.52 222.52
Net NPA % 0.78 0.8 0.74 0.74 0.79
Gross NPA % 3.12 3.12 2.65 2.69 2.88
Return on Assets % 1 0.75 1.08 1.14 0.64
NPM % 9.78 7.3 10.56 10.63 6.3

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 8514.38 8329.02 8175.79 9676.57 12394.3
Other Income 1910.25 1884.04 2340.53 2489.43 3042.89
Interest Expended 4884.74 4541.45 4149.05 4678.39 6351.41
Operating Expenses 2825.56 2754.59 3621.96 5285.17 6055.03
Total Provisions 1961.54 2227.94 2860.4 1021.95 1778.47
Profit Before Tax 752.78 689.08 -115.09 1180.5 1252.28
Taxes 247.11 181.3 -40.35 297.78 84.36
Net Profit 505.67 507.78 -74.74 882.72 1167.92
Adjusted EPS (Rs.) 9.94 8.49 -1.25 14.72 19.3

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 508.7 598.02 599.51 599.57 605.1
Total Reserves 10073.84 12063.93 12008.18 12902.03 14073.6
Deposits 57812.22 73121.27 79006.53 84886.52 103493.6
Borrowings 17006.73 11225.89 11093.04 13331.28 14184.09
Other Liabilities 3575.87 3640.87 3490.76 4081.8 5958.13
Total Liabilities 88977.77 100650.61 106208.58 115876.18 138432.21
Assets
Balance with RBI 6415.08 6704.7 13111.08 6238.06 12070.82
Balance with Banks 2442.1 6719.51 4436.62 2281.97 2345.73
Investments 18149.74 23230.42 22274.35 28875.45 29575.85
Advances 58019.05 58622.51 60021.81 70209.35 83986.91
Net Block 407.67 442.36 466.56 528.68 525.06
Other Assets 3482.04 4907 5816.62 7697.38 9920.5
Total Assets 88977.77 100650.61 106208.58 115876.18 138432.21
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

 No Promoters Data available for this company.
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PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 100.00 100.00 100.00 100.00 100.00
aditya birla sun life tru... - 1.20 - - 2.18
asia capital financial op... 1.51 1.51 1.50 1.50 1.49
british international inv... 3.86 3.85 3.83 3.83 3.82
gaja capital fund ii limi... 1.34 1.34 1.33 1.33 1.32
hydra trading private lim... 1.26 1.26 1.25 1.25 1.25
icici prudential life ins... 3.20 1.73 1.29 1.25 1.44
investor education and pr... - 0.03 - - 0.03
mahindra & mahindra limit... 3.52 3.51 3.49 3.49 3.48
nippon life india trustee... 1.65 1.56 1.95 3.62 3.97
quant mutual fund - quant... 1.48 4.36 4.69 4.68 4.67
tata arbitrage fund 1.81 1.52 1.10 1.27 1.73
vanguard total internatio... - 1.00 1.01 1.01 1.03
vishwavir ahuja 1.05 1.05 1.05 1.05 1.05
zerodha broking 1.26 1.25 1.25 1.25 1.24
aditya birla sun life tru... - - 1.47 1.70 -
baroda bnp paribas balanc... - 1.14 1.22 1.19 -
bofa securities europe sa... - - - 1.02 -
citigroup global markets ... - - - 1.41 -
investor education and pr... 0.03 - 0.03 0.03 -
maple ii b.v. 9.95 9.93 7.91 7.89 -
morgan stanley asia (sing... - - - 2.00 -
copthall mauritius invest... - 1.29 1.16 - -
kotak equity arbitrage fu... 1.09 1.26 1.18 - -
mathew cyriac - - 2.01 - -
bnp paribas financial mar... - 1.05 - - -
vanguard emerging markets... 1.02 1.02 - - -
aditya birla sun life tru... 2.11 - - - -
bnp paribas arbitrage - o... 2.33 - - - -
government pension fund g... 2.20 - - - -
hdfc mutual fund - hdfc m... 1.75 - - - -
societe generale 1.69 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

RBL Bank informs about closure of trading window 21 Dec, 3:00 PM RBL Bank informs about allotment of shares 13 Dec, 9:53 AM RBL Bank informs about audio recording of investor call 30 Nov, 2:52 PM RBL Bank informs about investor meet 29 Nov, 5:45 PM RBL Bank informs about loss of share certificate 29 Nov, 5:36 PM RBL Bank informs about allotment of shares 26 Nov, 1:10 PM RBI imposes penalty of Rs 61.40 lakh on RBL Bank 25 Nov, 11:44 AM RBL Bank informs about analyst meet 21 Nov, 4:22 PM RBL Bank informs about disclosure 21 Nov, 1:36 PM RBL Bank informs about issue of duplicate certificates 31 Oct, 2:55 PM RBL Bank informs about newspaper advertisement 23 Oct, 4:14 PM RBL Bank informs about notice of postal ballot 22 Oct, 5:08 PM RBL Bank reports 30% fall in Q2 consolidated net profit 19 Oct, 5:58 PM RBL Bank informs about investor presentation 19 Oct, 3:15 PM RBL Bank informs about press release 19 Oct, 3:11 PM RBL Bank informs about outcome of board meeting 19 Oct, 2:35 PM RBL Bank - Quaterly Results 19 Oct, 12:35 PM RBL Bank - Quaterly Results 19 Oct, 12:35 PM RBL Bank - Quaterly Results 19 Oct, 12:35 PM RBL Bank informs about board meeting 11 Oct, 5:23 PM RBL Bank informs about credit rating 8 Oct, 2:09 PM RBL Bank reports 15% growth in gross advances in Q2FY25 7 Oct, 2:42 PM RBL Bank informs about details of loss of certificate 19 Sep, 2:37 PM RBL Bank informs about analyst meet 10 Sep, 4:52 PM RBL Bank informs about investor meet 4 Sep, 11:34 AM RBL Bank informs about analyst call 27 Aug, 2:53 PM RBL Bank informs about allotment of ESOP 17 Aug, 11:50 AM RBL Bank informs about analyst meet 1 Aug, 5:30 PM RBL Bank informs about disclosure 30 Jul, 12:36 PM RBL Bank informs about appointment of part-time chairman 23 Jul, 11:10 AM RBL Bank reports 10% rise in Q1 consolidated net profit 20 Jul, 4:17 PM RBL Bank - Quaterly Results 20 Jul, 12:32 PM RBL Bank - Quaterly Results 20 Jul, 12:32 PM RBL Bank - Quaterly Results 20 Jul, 12:32 PM RBL Bank reports 18% growth in gross advances in Q1FY25 5 Jul, 2:44 PM RBL Bank informs about analyst meet 20 Jun, 4:13 PM RBL Bank informs about allotment of shares 14 Jun, 11:58 AM RBL Bank informs about newspaper publication 1 Jun, 12:27 PM RBI allows Quant Money Managers to raise stake in RBL Bank 14 May, 4:00 PM RBL Bank reports 22% rise in Q4 consolidated net profit 29 Apr, 10:59 AM RBL Bank informs about outcome of board meeting 27 Apr, 2:52 PM RBL Bank informs about press release and investor presentation 27 Apr, 2:46 PM RBL Bank - Quaterly Results 27 Apr, 12:10 PM RBL Bank - Quaterly Results 27 Apr, 12:10 PM RBL Bank - Quaterly Results 27 Apr, 12:10 PM Citigroup Global Markets acquires stake in RBL Bank 10 Apr, 12:15 PM RBL Bank reports 19% growth in gross advances in Q4FY24 4 Apr, 10:30 AM RBL Bank informs about analyst meet 16 Mar, 2:52 PM RBL Bank informs about allotment of shares 2 Mar, 3:31 PM RBL Bank informs about analyst meet 30 Jan, 2:25 PM

RBL Bank Stock Price Analysis and Quick Research Report. Is RBL Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

RBL Bank stock price today is Rs 152.79. Let’s look at how RBL Bank is performing and if it is the right time to buy the stock of RBL Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. RBL Bank has earned Rs 12394.3014 Cr. revenue in the latest financial year. RBL Bank has posted decent revenue growth of 14.1674220112259 % in last 3 Years.

  • In terms of advances, RBL Bank reported 19.6235 % YOY,  rise . If you see 3 years advance growth, it stands at 12.7324846060353 %.

  • Currently, RBL Bank has a CASA ratio of 35.218 %. It’s overall cost of liability stands at 5.3973 %. Also, the total deposits of RBL Bank from these accounts stood at Rs 103493.5964 Cr.

  • RBL Bank has a average ROA track record. The ROA of RBL Bank is at 0.9185 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.65 % and 0.74 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 74.0274866676452 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of RBL Bank surged and is currently at Rs 3042.8927 Cr.

  • RBL Bank has a Good Capital Adequacy Ratio of 16.18 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently RBL Bank is trading at a P/B of 0.6057 . The historical average PB of RBL Bank was 0.773294560710412.

  • Share Price: - The current share price of RBL Bank is Rs 152.79. One can use valuation calculators of ticker to know if RBL Bank share price is undervalued or overvalued.

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Brief about RBL Bank

RBL Bank Ltd. Financials: Check Share price, Balance Sheet, Annual report and Quarterly Results for company analysis

RBL Bank Ltd. is a private sector bank headquartered in Mumbai, India. It was founded in 1943 and was formerly known as Ratnakar Bank. It offers a wide range of financial products and services to its customers, including retail banking, corporate banking, and treasury operations. In this article, we will provide an in-depth analysis of RBL Bank Ltd. stock, covering its share price, balance sheet, annual report, dividend, quarterly result, stock price, price chart, news, concall, transcripts, investor presentations, promoters, shareholders, and more.

RBL Bank Ltd. Share Price

RBL Bank Ltd. stock is listed on the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE) in India. The stock has had a mixed performance over the past year, with fluctuations in price due to various factors, including changes in the banking sector, economic conditions, and company-specific news. A stock's share price is determined by a range of factors such as market sentiment, financial performance, and general economic conditions. 

RBL Bank Ltd. Balance Sheet

RBL Bank Ltd.'s balance sheet provides a snapshot of the company's financial position at a given point in time. It includes information about the company's assets, liabilities, and equity. The balance sheet is an important tool for investors to assess the financial health of a company and its ability to meet its financial obligations. RBL Bank Ltd.'s balance sheet shows a healthy mix of assets, including loans and advances, investments, and cash and balances with the Reserve Bank of India (RBI).

RBL Bank Ltd. Annual Report

RBL Bank Ltd.'s annual report provides a comprehensive overview of the company's performance over the past year. It includes information about the company's financial results, strategic initiatives, and risk management practices. The annual report is an important tool for investors to assess the company's long-term prospects and performance. RBL Bank Ltd.'s annual report is available for download on our website.

RBL Bank Ltd. Dividend

RBL Bank Ltd. has a history of paying dividends to its shareholders. Dividends are a portion of the company's profits that are paid out to shareholders as a return on their investment. The dividend payout ratio is an important metric for investors to assess the company's dividend policy and financial health. RBL Bank Ltd. has maintained a consistent dividend payout ratio over the past few years, indicating a commitment to returning value to shareholders.

RBL Bank Ltd. Quarterly Result

RBL Bank Ltd.'s quarterly results provide a snapshot of the company's financial performance over a three-month period. It includes information about the company's revenue, expenses, and net profit. The quarterly result is an important tool for investors to assess the company's short-term performance and its ability to meet its financial obligations. RBL Bank Ltd.'s quarterly results are available for download on our website.

RBL Bank Ltd. Stock Price

RBL Bank Ltd.'s stock price is influenced by various factors, including market conditions, economic trends, and company-specific news. The stock price is an important metric for investors to assess the company's performance and long-term prospects. Our website provides pre-built screening tools to help investors analyze RBL Bank Ltd.'s stock price and performance.

RBL Bank Ltd. Price Chart

RBL Bank Ltd.'s price chart provides a visual representation of the company's stock price over a given period. It includes information about the stock's opening and closing prices, as well as its high and low prices. The price chart is an important tool for investors to assess the company's stock performance and trends over time.

RBL Bank Ltd. News

RBL Bank Ltd.'s news section provides up-to-date information about the company's latest developments and announcements. It includes information about the company's strategic initiatives, partnerships, and regulatory updates. The news section is an important tool for investors to stay informed about the company's activities and potential impact on its stock price.

RBL Bank Ltd. Concall

RBL Bank Ltd.'s concall provides investors with an opportunity to listen to the company's management team discuss its financial results and strategic initiatives. The concall is an important tool for investors to gain insights into the company's operations and long-term prospects.

RBL Bank Ltd. Transcripts

RBL Bank Ltd.'s transcripts provide a written record of the company's concall and other investor events. The transcripts are an important tool for investors to review the company's discussions and gain insights into its operations and long-term prospects.

RBL Bank Ltd. Investor Presentations

RBL Bank Ltd.'s investor presentations provide a detailed overview of the company's operations, financial results, and strategic initiatives. The presentations are an important tool for Investors to assess the company's long-term prospects and performance.

RBL Bank Ltd. Promoters

RBL Bank Ltd.'s promoters are the individuals or entities that hold a significant stake in the company. Promoters are important stakeholders in the company and have a significant influence on its operations and strategic initiatives.

RBL Bank Ltd. Shareholders

RBL Bank Ltd.'s shareholders are the individuals or entities that own shares in the company. Shareholders have a vested interest in the company's performance and long-term prospects. Our website provides premium features tools, including DCF analysis, BVPS analysis, earnings multiple approach, and DuPont analysis, to help investors analyze RBL Bank Ltd.'s performance and long-term prospects.

RBL Bank Ltd. ROCE

Access the Return on Capital Employed (ROCE) data for RBL Bank Ltd. in the financials table or ratio section above. ROCE provides insights into the company's capital efficiency and profitability, reflecting its ability to generate returns from invested capital. By examining this ratio, investors can gauge the operational performance and value creation potential of RBL Bank Ltd.

RBL Bank Ltd. EBITDA

Find RBL Bank Ltd.'s Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) data in the financials table or ratio section above. EBITDA is a crucial indicator of the company's operational performance and cash flow generation. Analyzing RBL Bank Ltd.'s EBITDA can provide valuable insights into its core profitability.

RBL Bank Ltd. DPS

Explore the Dividends Per Share (DPS) data for RBL Bank Ltd. in the financials table or ratio section above. DPS reflects the dividend distribution per share by the company, enabling investors to assess its dividend payment history and commitment to delivering value to shareholders.

RBL Bank Ltd. EPS

Access the Earnings Per Share (EPS) data for RBL Bank Ltd. in the financials table or ratio section above. EPS offers a view of the company's earnings potential on a per-share basis, allowing investors to evaluate its financial performance and profitability outlook.

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