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Screener Research Unlisted Startup Funding IPO

Consolidated Standalone

RBL Bank

₹174.9 1.4 | 0.8%

Market Cap ₹10483 Cr.

Stock P/E 11.4

P/B 0.8

Current Price ₹174.9

Book Value ₹ 225.6

Face Value 10

52W High ₹189.2

Dividend Yield 0.86%

52W Low ₹ 74.2

Edit Ratio

RBL Bank Research see more...

Overview Inc. Year: 1943Industry: Bank - Private

RBL Bank Ltd is an primarily India-based financial institution. The Company operates in six business segments: Branch and Business Banking (BBB), Retail Assets, Development Banking and Financial Inclusion (DB&FI), Corporate and Institutional Banking (C&IB), Commercial Banking (CB), Treasury and Financial Markets Operations. C&IB products and services comprises various fund-based and non-fund-based products, such as liability products, mortgage products, cash control and treasury risk management. CB phase finances the commercial enterprise requirements of small and medium companies. BBB segment's offerings include financial savings account, current account, fixed deposits, and non-resident Indian (NRI) banking. Retail Assets section offers retail loans, digital lending, credit card, retail agribusiness, commodity and warehouse receipt finance, and farm mechanization. DB & FI section's merchandise comprises micro-coverage, individual business mortgage, bank gurantees, fixed deposits, salary ac and cash control services.

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RBL Bank Share Price

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Quarterly Price

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Peer Comparison

RBL Bank Quarterly Results

#(Fig in Cr.) Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
Interest Earned 2062 2015 2103 2034 2107 2201 2203 2263 2467 2616
Other Income 575 690 701 595 621 513 614 585 624 684
Total Income 2636 2705 2805 2629 2727 2714 2817 2848 3092 3300
Interest Expense 1071 1016 1056 1059 1034 1000 1062 1111 1221 1285
Operating Expenditure 761 811 944 900 1097 1090 1218 1239 1288 1390
Provisions and contingencies 610 766 1426 651 424 401 253 242 293 235
Operating Profit 195 112 -621 18 172 224 284 257 290 390
Profit Before Tax 195 112 -621 18 172 224 284 257 290 390
Provision for Tax 48 36 -159 9 51 59 75 69 65 92
Profit After Tax 147 76 -462 10 122 165 209 188 225 299
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 147 76 -462 10 122 165 209 188 225 299
Adjusted Earnings Per Share 2.5 1.3 -7.7 0.2 2 2.7 3.5 3.1 3.7 5

RBL Bank Profit & Loss

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 TTM
Interest Earned 3713 4561 6302 8779 8676 8445 9549
Other Income 755 1069 1441 1918 1875 2352 2507
Total Income 4469 5630 7743 10697 10551 10796 12057
Interest Expense 2492 2741 3761 4885 4539 4148 4679
Operating Expenditure 1056 1548 2044 3103 3071 3994 5135
Provisions and contingencies 239 367 641 1962 2228 2860 1023
Operating Profit 681 974 1298 747 712 -207 1221
Profit Before Tax 681 974 1298 747 712 -207 1221
Provision for Tax 235 335 436 247 183 -40 301
Profit After Tax 446 639 861 500 529 -166 921
Adjustments 1 -8 -4 0 0 0 0
Profit After Adjustments 447 632 858 500 529 -166 921
Adjusted Earnings Per Share 11.9 15.1 20.1 9.8 8.9 -2.8 15.3

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR -3% 10% 18% 0%
Operating Profit CAGR -129% NAN% NAN% 0%
PAT CAGR -131% NAN% NAN% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 54% 8% -20% NA%
ROE Average -1% 3% 7% 7%
ROCE Average 2% 5% 7% 7%

RBL Bank Balance Sheet

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Shareholder's Funds 4336 6681 7535 10565 12666 12530
Minority's Interest 0 19 0 0 0 0
Deposits 34588 43883 58358 57812 73055 79006
Borrowings 7980 9261 11832 17007 11226 11098
Other Liabilities & Provisions 1771 2033 2673 3600 3672 3528
Total Liabilities 48676 61877 80398 88983 100619 106163
Cash and balance with RBI 2948 2589 4840 6416 6705 13111
Bank Balance 1246 1721 1809 2443 6738 4446
Investments 13482 15397 16745 18055 23085 22129
Advances 29449 40268 54308 58006 58623 60005
Fixed Assets 224 308 376 430 471 497
Other Assets 1292 1563 2280 3572 4973 5893
Total Assets 48676 61877 80398 88983 100619 106163

RBL Bank Cash Flow

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Opening Cash & Cash Equivalents 1531 3207 3480 5923 8226 11477
Cash Flow from Operating Activities 3434 -2556 78 -5173 7631 6449
Cash Flow from Investing Activities -142 -165 -202 -223 -174 -264
Cash Flow from Financing Activities -1656 2994 2567 7698 -4207 -109
Net Cash Inflow / Outflow 1635 273 2443 2302 3251 6076
Closing Cash & Cash Equivalent 3166 3480 5923 8226 11477 17552

RBL Bank Ratios

# Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Earnings Per Share (Rs) 11.91 15.05 20.1 9.83 8.85 -2.77
CEPS(Rs) 13.53 17.35 23.13 12.7 11.69 0.23
DPS(Rs) 1.8 2.1 2.7 1.5 0 0
Book NAV/Share(Rs) 115.55 159.16 176.55 207.66 211.78 208.83
Yield on Advances 12.61 11.33 11.6 15.13 14.8 14.07
Yield on Investments 8.16 7.56 7 8.49 7.15 7.19
Cost of Liabilities 5.85 5.16 5.36 6.53 5.39 4.6
NIM (Net Interest Margin) 2.59 3.04 3.27 4.59 4.35 4.31
Interest Spread 6.75 6.17 6.25 8.61 9.41 9.47
ROA(%) 0.92 1.16 1.21 0.59 0.56 -0.16
ROE(%) 10.29 11.61 12.12 5.53 4.56 -1.32
ROCE(%) 9.84 9.73 10.28 6.92 6.3 1.7
PER(x) 41.5 31.68 33.89 13.8 23.44 0
Price/Book(x) 4.28 3 3.86 0.65 0.98 0.62
Dividend Yield(%) 0.36 0.44 0.4 1.11 0 0
EV/Net Sales(x) 7.14 6.42 6.49 2.72 2.72 2.24
EV/Core EBITDA(x) 28.82 21.83 21.1 8.83 8.04 7.12
Interest Earned Growth(%) 0 22.85 38.16 39.3 -1.17 -2.66
Net Profit Growth 0 43.3 34.76 -41.93 5.85 -131.38
Advances Growth 0 36.74 34.87 6.81 1.06 2.36
EPS Growth(%) 0 26.4 33.56 -51.09 -9.96 -131.3
Loans/Deposits(x) 23.07 21.1 20.28 29.42 15.37 14.05
Cash/Deposits(x) 0.09 0.06 0.08 0.11 0.09 0.17
Current Ratio(x) 0.39 0.35 0.29 0.31 0.32 0.28
Quick Ratio(x) 23.07 21.1 20.28 29.42 15.37 14.05
CASA % 21.98 24.32 24.93 29.61 31.81 35.29

RBL Bank Shareholding Pattern

# Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
Promoter 0 0 0 0 0 0 0 0 0 0
FII 35.17 31.85 32.21 29.2 28.92 28.2 26.11 27.2 26.52 22.27
DII 24.67 25.5 23.48 25.1 22.44 21.8 14.39 14.2 22.64 22.6
Public 40.16 42.64 44.3 45.7 48.64 50 59.5 58.6 50.84 55.14
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Stock is trading at 0.8 times its book value
  • Company has reduced debt.

Cons

  • Promoter holding is low: 0%.
  • Company has a low return on equity of 3% over the last 3 years.
  • Earnings include an other income of Rs. 2352 Cr.
  • The company has delivered a poor profit growth of 0% over past five years.

* 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.

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