RBL Bank Ltd
- Market Cap ₹ 15,275 Cr.
- Current Price ₹ 252
- High / Low ₹ 301 / 143
- Stock P/E 12.1
- Book Value ₹ 226
- Dividend Yield 0.59 %
- ROCE 6.89 %
- ROE 9.31 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 1.12 times its book value
Cons
- Company has low interest coverage ratio.
- Tax rate seems low
- Company has a low return on equity of 5.14% over last 3 years.
- Contingent liabilities of Rs.73,412 Cr.
- Earnings include an other income of Rs.3,060 Cr.
* 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.
Peer comparison
Sector: Banks Industry: Banks - Private Sector
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|
Revenue | 3,713 | 4,561 | 6,302 | 8,779 | 8,676 | 8,445 | 9,550 | 12,394 |
Interest | 2,492 | 2,741 | 3,761 | 4,885 | 4,539 | 4,148 | 4,679 | 6,350 |
1,234 | 1,827 | 2,559 | 4,919 | 5,129 | 6,674 | 5,944 | 7,755 | |
Financing Profit | -12 | -6 | -17 | -1,025 | -993 | -2,378 | -1,073 | -1,711 |
Financing Margin % | -0% | -0% | -0% | -12% | -11% | -28% | -11% | -14% |
755 | 1,069 | 1,441 | 1,918 | 1,875 | 2,352 | 2,507 | 3,060 | |
Depreciation | 62 | 89 | 126 | 146 | 170 | 180 | 213 | 0 |
Profit before tax | 681 | 974 | 1,298 | 747 | 712 | -206 | 1,221 | 1,349 |
Tax % | 35% | 34% | 34% | 33% | 26% | 20% | 25% | 7% |
447 | 633 | 861 | 500 | 529 | -166 | 920 | 1,260 | |
EPS in Rs | 11.91 | 15.05 | 20.10 | 9.83 | 8.85 | -2.77 | 15.34 | 20.82 |
Dividend Payout % | 15% | 14% | 13% | 15% | 0% | 0% | 10% | 7% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 14% |
3 Years: | 13% |
TTM: | 30% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 8% |
3 Years: | 33% |
TTM: | 37% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | -18% |
3 Years: | 7% |
1 Year: | 76% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 5% |
3 Years: | 5% |
Last Year: | 9% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|
Equity Capital | 375 | 420 | 427 | 509 | 598 | 600 | 600 | |
Reserves | 3,961 | 6,261 | 7,108 | 10,056 | 12,068 | 11,931 | 12,926 | |
42,568 | 53,145 | 70,190 | 74,819 | 84,281 | 90,104 | 98,206 | ||
1,771 | 2,052 | 2,673 | 3,600 | 3,672 | 3,528 | 4,074 | ||
Total Liabilities | 48,676 | 61,877 | 80,398 | 88,983 | 100,619 | 106,163 | 115,806 | |
224 | 327 | 416 | 471 | 511 | 538 | 594 | ||
CWIP | 35 | 31 | 40 | 62 | 24 | 82 | 45 | |
Investments | 13,482 | 15,397 | 16,745 | 18,055 | 23,085 | 22,129 | 28,730 | |
34,934 | 46,122 | 63,196 | 70,396 | 76,998 | 83,414 | 86,436 | ||
Total Assets | 48,676 | 61,877 | 80,398 | 88,983 | 100,619 | 106,163 | 115,806 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|
3,434 | -2,556 | 78 | -5,173 | 7,631 | 6,449 | -11,031 | 4,955 | |
-142 | -165 | -202 | -223 | -174 | -264 | -234 | -193 | |
-1,656 | 2,994 | 2,567 | 7,698 | -4,207 | -109 | 2,235 | 843 | |
Net Cash Flow | 1,635 | 273 | 2,443 | 2,302 | 3,251 | 6,076 | -9,030 | 5,604 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|
ROE % | 11% | 12% | 6% | 5% | -1% | 7% |
Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
17 May - RBL Bank Limited has informed the Exchange about Schedule of Investor meet
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 17 May
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
16 May - RBL Bank Limited has informed the Exchange about Investor/Analyst meet
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
14 May - RBL Bank Limited has informed the Exchange about Analyst/ Investor meet
- Intimation Under Regulation 30 (LODR), Reserve Bank Of India ('RBI') Vide Its Letter Dated May 13, 2024 Accorded Its Approval To Quant Money Managers Ltd To Acquire 'Aggregate Holding' Of Up To 9.98% Of The Paid-Up Share Capital Or Voting Rights In RBL Bank Limited. 13 May
Annual reports
-
Financial Year 2023
from bse
-
Financial Year 2022
from bse
-
Financial Year 2021
from bse
-
Financial Year 2020
from bse
-
Financial Year 2019
from bse
-
Financial Year 2018
from bse
-
Financial Year 2017
from bse
-
Financial Year 2016
from bse
-
Financial Year 2015
from bse
-
Financial Year 2014
from bse
-
Financial Year 2013
from bse
-
Financial Year 2012
from bse
Concalls
-
Apr 2024TranscriptNotesPPT
-
Jan 2024Transcript PPT
-
Nov 2023TranscriptNotesPPT
-
Oct 2023TranscriptNotesPPT
-
Aug 2023TranscriptNotesPPT
-
Jul 2023Transcript PPT
-
Apr 2023Transcript PPT
-
Jan 2023Transcript PPT
-
Jan 2023TranscriptNotesPPT
-
Oct 2022Transcript PPT
-
Jul 2022Transcript PPT
-
Jul 2022TranscriptNotesPPT
-
Jul 2022TranscriptNotesPPT
-
May 2022Transcript PPT
-
May 2022TranscriptNotesPPT
-
Jan 2022Transcript PPT
-
Jan 2022TranscriptNotesPPT
-
Oct 2021TranscriptNotesPPT
-
Oct 2021Transcript PPT
-
Aug 2021Transcript PPT
-
May 2021Transcript PPT
-
Jan 2021Transcript PPT
-
Oct 2020Transcript PPT
-
Jul 2020Transcript PPT
-
May 2020Transcript PPT
-
Jan 2020Transcript PPT
-
Oct 2019Transcript PPT
-
Jul 2019Transcript PPT
-
Apr 2019Transcript PPT
-
Jan 2019Transcript PPT
-
Oct 2018Transcript PPT
-
Jul 2018TranscriptPPT
-
Apr 2018TranscriptPPT
-
Feb 2018TranscriptPPT
-
Oct 2017TranscriptPPT
-
Aug 2017TranscriptPPT
-
May 2017Transcript PPT
-
Jan 2017Transcript PPT
-
Oct 2016Transcript PPT
Ratios (9MFY24)
Capital Adequacy Ratio - 16.42%[1]
Net Interest Margin - 5.53%[2]
Gross NPA - 3.12%[3]
Net NPA - 0.80%
CASA Ratio - 33.8%[4]