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RBL Bank Limited RBLBANK NIFTY_SMALLNSEFINANCIAL

Financial Services · Banks - Regional · India
https://www.rbl.bank.in

RBL Bank Limited operates as a scheduled commercial bank in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The company offers savings, salary, current, special institutions, and seafarer accounts; safe deposit lockers; fixed, recurring, and smart deposits; and portfolio investment schemes. It also provides housing, personal, business, pre-owned car, two-wheeler, education, business, crop, agri investment, agri allied, and micro-enterprise loans, as well as overdrafts, rural vehicle finance, loans against gold ornaments, loans against property, working capital finance, and unsecured and secured small business loans; life, general, and health insurance products; investments services, such as e-ASBA and national pension system; and Demat accounts. In addition, the company offers online tax and bill payment, missed call recharge and facility, payment gateway, and merchant acquiring services; online, mobile, and digital banking; debit, credit, commercial, and prepaid cards; outward remittances; wire transfer and foreign currency cheques; and developmental banking and financial inclusion services, including loan syndications. Further, it provides corporate finance; investment banking services, comprising mergers and acquisitions advisory and private equity capital advisory; project and infrastructure finance, structured finance, and real estate financing; cash management, trade and remittance, and supply chain finance services; and financial markets and treasury products, including capital markets, and forex and bullion. Additionally, the company offers agribusiness, NRI, and preferred banking services. It operates a network of bank branches, business correspondent branches, and ATMs. The company was formerly known as The Ratnakar Bank Limited and changed its name to RBL Bank Limited in August 2014. RBL Bank Limited was incorporated in 1943 and is based in Mumbai, India.

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₹345.00
+60.45% 1Y

Market & Price

Market Cap
₹21,360.25 Cr
Current Price
₹345.00
High / Low (52W)
₹348.25 / ₹206.14
Beta
0.64

Valuation

Stock P/E
24.50
Industry PE
19.12
Forward P/E
18.18
PEG Ratio
-
Book Value
₹270.57
Price to Book
1.28
P/S
2.69
EV/EBITDA
-
Dividend Yield
0.33%

Profitability & Returns

ROCE
-
ROE
-
ROA
-
Profit Margin
9.08%
Op Margin
13.97%
EPS (Latest Qtr)
₹3.90
EPS (TTM)
₹14.08

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
₹15,225.32 Cr
Total Assets
₹1.81 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.71%
Chg in Prom Hold
-
FII / Inst Holding
52.84%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹22,920.51 Cr
Total Revenue (TTM)
₹7,945.60 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
-
Shares Outstanding
₹61.91 Cr
Gross Margin
0.00%
Payout Ratio
8.47%

Growth (CAGR)

Revenue 5Y
12.14%
Profit 5Y
-1.49%
Revenue (YoY)
40.80%
Earnings (YoY)
367.90%

PROS

  • Compounding revenue at 12.1% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Earnings shrank at -1.5% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 RBLBANK RBL Bank Limited NIFTY_SMALLNSEFINANCIAL 345.00 24.50 ₹21,360.25 Cr 0.33% - - 12.14% -1.49%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 2,659.16 Cr2,565.32 Cr2,552.14 Cr2,709.34 Cr2,742.56 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 1,647.71 Cr1,686.85 Cr1,832.35 Cr1,780.84 Cr1,770.11 Cr
Operating Income -----
EBITDA -----
Interest Expense 1,951.31 Cr1,912.59 Cr1,960.43 Cr2,009.07 Cr2,048.80 Cr
Pretax Income -177.45 Cr93.33 Cr277.47 Cr289.23 Cr294.13 Cr
Tax Provision -224.77 Cr6.34 Cr63.25 Cr61.28 Cr49.71 Cr
Net Income 47.32 Cr86.99 Cr214.22 Cr227.95 Cr244.42 Cr
Diluted EPS 0.781.433.493.653.90

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -7,437.79 Cr8,972.15 Cr10,243.30 Cr10,489.27 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -5,316.19 Cr5,980.32 Cr6,588.85 Cr7,123.66 Cr
Operating Income -----
EBITDA -----
Interest Expense -4,678.62 Cr6,350.05 Cr7,576.19 Cr7,974.66 Cr
Pretax Income -1,221.14 Cr1,348.71 Cr695.79 Cr1,106.00 Cr
Tax Provision -301.60 Cr88.82 Cr-21.27 Cr226.95 Cr
Net Income -919.54 Cr1,259.89 Cr717.06 Cr879.05 Cr
Diluted EPS -15.2720.5411.7614.09

Compounded Sales Growth

5 Years:12.14%
1 Year:40.80%

Compounded Profit Growth

5 Years:-1.49%
1 Year:367.90%

Stock Price Performance

1 Year:+60.45%
6 Months:+11.92%
3 Months:+5.83%
1 Month:+2.51%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -1.16 L Cr1.38 L Cr1.47 L Cr1.81 L Cr
Current Assets -----
Cash & Equivalents -8,527.19 Cr14,423.42 Cr12,566.38 Cr23,065.85 Cr
Inventory -----
Receivables 1,949.07 Cr2,862.78 Cr3,925.17 Cr3,338.44 Cr-
Total Liabilities -1.02 L Cr1.24 L Cr1.31 L Cr1.64 L Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -11,986.46 Cr14,907.27 Cr14,515.19 Cr16,796.44 Cr
Total Equity -13,525.66 Cr14,837.44 Cr15,669.53 Cr16,724.24 Cr
Shares Outstanding -59.96 Cr60.51 Cr60.79 Cr61.81 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --11,031.25 Cr4,954.98 Cr-828.60 Cr7,578.17 Cr
Investing Cash Flow --233.55 Cr-193.46 Cr-280.73 Cr-224.93 Cr
Financing Cash Flow -2,234.69 Cr842.80 Cr-503.07 Cr3,159.96 Cr
Capital Expenditure --244.33 Cr-203.63 Cr-288.33 Cr-234.58 Cr
Free Cash Flow --11,275.58 Cr4,751.34 Cr-1,116.93 Cr7,343.59 Cr
Net Change in Cash --9,030.11 Cr5,604.32 Cr-1,612.40 Cr10,513.20 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -12.4%14.0%7.0%8.4%
ROE % -6.8%8.5%4.6%5.3%
ROCE % -----

Shareholding Pattern

Insiders
2.71%
Institutions
52.84%
Public Float
54.31%

Analyst View

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