Financials RBL Bank Limited

Equities

RBLBANK

INE976G01028

Banks

Market Closed - NSE India S.E. 07:43:55 2024-07-11 am EDT 5-day change 1st Jan Change
245.4 INR +0.66% Intraday chart for RBL Bank Limited -7.80% -12.14%

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 290,312 68,884 124,119 78,057 84,599 148,815 - -
Enterprise Value (EV) 1 290,312 68,884 124,119 78,057 84,599 145,406 148,815 148,815
P/E ratio 33.9 x 12.2 x 22.4 x -104 x 9.62 x 12.6 x 9.58 x 7.39 x
Yield 0.4% 1.11% - - 1.06% 0.97% 1.12% 1.62%
Capitalization / Revenue 7.29 x 1.24 x 2.12 x 0.74 x 1.22 x 1.6 x 1.38 x 1.15 x
EV / Revenue 7.29 x 1.24 x 2.12 x 0.74 x 1.22 x 1.6 x 1.38 x 1.15 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 3.96 x 0.67 x 0.98 x 0.62 x 0.62 x 1.01 x 0.92 x 0.83 x
Nbr of stocks (in thousands) 426,710 508,366 598,020 599,514 599,568 606,418 - -
Reference price 2 680.4 135.5 207.6 130.2 141.1 245.4 245.4 245.4
Announcement Date 4/18/19 5/7/20 5/4/21 5/12/22 4/29/23 4/27/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 39,818 55,399 58,450 105,163 69,409 90,858 108,018 129,210
EBITDA - - - - - - - -
EBIT 1 19,398 27,516 30,910 27,453 22,024 30,308 38,637 48,444
Operating Margin 48.72% 49.67% 52.88% 26.11% 31.73% 33.36% 35.77% 37.49%
Earnings before Tax (EBT) 1 12,992 7,528 6,890 -1,151 11,805 12,523 20,760 27,694
Net income 1 8,670 5,057 5,080 -747.4 8,827 11,679 15,475 20,305
Net margin 21.77% 9.13% 8.69% -0.71% 12.72% 12.85% 14.33% 15.71%
EPS 2 20.04 11.10 9.280 -1.250 14.66 19.04 25.61 33.19
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 2.700 1.500 - - 1.500 2.384 2.746 3.965
Announcement Date 4/18/19 5/7/20 5/4/21 5/12/22 4/29/23 4/27/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 14,880 15,940 27,205 25,676 26,641 26,423 16,413 16,477 17,666 18,853 - 20,032 22,470 24,038 25,141
EBITDA - - - - - - - - - - - - - - -
EBIT 1 8,048 8,770 8,074 6,910 6,308 6,574 5,291 5,124 5,672 5,938 6,475 6,644 7,681 7,799 8,846
Operating Margin 54.09% 55.02% 29.68% 26.91% 23.68% 24.88% 32.24% 31.09% 32.11% 31.5% - 33.16% 34.18% 32.44% 35.18%
Earnings before Tax (EBT) 1 1,950 1,100 -6,182 394.9 2,069 2,568 2,761 2,708 2,745 3,591 3,813 3,885 4,204 3,973 4,308
Net income 1 1,471 750 -4,595 308 1,561 1,978 2,012 2,016 2,090 2,710 2,881 2,984 3,234 3,332 3,444
Net margin 9.88% 4.71% -16.89% 1.2% 5.86% 7.49% 12.26% 12.23% 11.83% 14.38% - 14.89% 14.39% 13.86% 13.7%
EPS 2 2.620 1.250 -7.680 0.5100 2.590 3.300 3.360 3.360 3.470 4.490 4.780 4.950 5.200 5.525 5.875
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 1/28/21 5/4/21 8/2/21 10/28/21 1/27/22 5/12/22 7/21/22 10/22/22 1/20/23 4/29/23 7/22/23 - - - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 12.2% 5.74% 4.35% -0.6% 6.69% 8.25% 10% 11.8%
ROA (Net income/ Total Assets) 1.27% 0.59% 0.54% -0.07% 0.83% 0.93% 1.06% 1.18%
Assets 1 682,638 857,068 940,741 1,067,714 1,063,530 1,244,609 1,458,598 1,720,870
Book Value Per Share 2 172.0 202.0 212.0 210.0 226.0 244.0 266.0 296.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 4/18/19 5/7/20 5/4/21 5/12/22 4/29/23 4/27/24 - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
B-
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