RBL Bank Ltd. (IN:RBLBANK)
:RBLBANK
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RBL Bank Ltd.
(RBLBANK)
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Rating:58Neutral
Price Target:
₹343.00
â–²(14.37% Upside)
Action:ReiteratedDate:01/20/26
The score is driven primarily by solid revenue growth and balance sheet improvement, offset by unstable profitability and recent negative/volatile cash flows. Technicals are mixed with weak short-term trend, and valuation looks less attractive due to a higher P/E and low dividend yield.
Positive Factors
Strong multi-year revenue growth
Sustained revenue expansion over multiple years reflects successful scale-up of lending and fee businesses. A larger revenue base supports investment in distribution, technology and provisioning buffers, improving the bank's ability to grow loans and diversify earnings over the medium term.
Negative Factors
Volatile operating and free cash flows
Repeated swings to negative operating and free cash flow indicate inconsistent internal cash generation. That raises reliance on external funding, constrains organic capital build-up, and can limit lending or investment unless cash management and working capital trends stabilise.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong multi-year revenue growth
Sustained revenue expansion over multiple years reflects successful scale-up of lending and fee businesses. A larger revenue base supports investment in distribution, technology and provisioning buffers, improving the bank's ability to grow loans and diversify earnings over the medium term.
Read all positive factors
RBL Bank Ltd. (RBLBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹198.89B
Dividend Yield0.33%
Average Volume (3M)430.98K
Price to Earnings (P/E)21.3
Beta (1Y)1.49
Revenue Growth6.67%
EPS Growth-54.96%
CountryIN
Employees22,564
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.50
Shares Outstanding618,345,340
10 Day Avg. Volume646,440
30 Day Avg. Volume430,976
Financial Highlights & Ratios
PEG Ratio-0.34
Price to Book (P/B)0.68
Price to Sales (P/S)0.60
P/FCF Ratio-9.62
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)21.09
Revenue Forecast (FY)₹130.59B
RBL Bank Ltd. Business Overview & Revenue Model
Company Description
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's deposit products include savings, current, and insti...
How the Company Makes Money
RBL Bank generates revenue primarily through interest income earned on loans and advances, which constitutes a significant portion of its earnings. The bank charges interest on various loan products, including personal loans, home loans, and busin...
RBL Bank Ltd. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 182.06B | 179.83B | 153.22B | 121.16B | 107.96B | 105.50B |
| Gross Profit | 79.40B | 104.07B | 89.72B | 74.38B | 66.48B | 60.11B |
| EBITDA | 4.39B | 9.32B | 15.83B | 14.34B | -263.38M | 6.99B |
| Net Income | 5.41B | 7.17B | 12.60B | 9.20B | -1.66B | 5.29B |
Balance Sheet | ||||||
| Total Assets | 1.54T | 1.47T | 1.38T | 1.16T | 1.06T | 1.01T |
| Cash, Cash Equivalents and Short-Term Investments | 147.18B | 125.66B | 144.23B | 85.27B | 175.57B | 134.43B |
| Total Debt | 152.25B | 137.35B | 267.10B | 237.79B | 233.36B | 183.18B |
| Total Liabilities | 1.38T | 1.31T | 1.24T | 1.02T | 936.32B | 879.53B |
| Stockholders Equity | 161.20B | 156.70B | 148.37B | 135.26B | 125.30B | 126.66B |
Cash Flow | ||||||
| Free Cash Flow | -51.94B | -11.12B | 28.30B | -112.76B | 61.78B | 74.52B |
| Operating Cash Flow | -51.07B | -8.24B | 30.34B | -110.31B | 64.49B | 76.31B |
| Investing Cash Flow | -828.00M | -2.81B | -168.68B | -2.34B | -2.64B | -1.74B |
| Financing Cash Flow | 72.04B | -5.03B | 194.38B | 81.03B | -1.09B | -42.07B |
RBL Bank Ltd. Technical Analysis
Positive
299.90
Price Trends
307.77
Positive
307.66
Positive
290.25
Positive
Market Momentum
2.83
Negative
58.56
Neutral
83.97
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:RBLBANK, the sentiment is Positive. The current price of 299.9 is below the 20-day moving average (MA) of 302.35, below the 50-day MA of 307.77, and above the 200-day MA of 290.25, indicating a bullish trend. The MACD of 2.83 indicates Negative momentum. The RSI at 58.56 is Neutral, neither overbought nor oversold. The STOCH value of 83.97 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:RBLBANK.
RBL Bank Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₹92.05B | 6.68 | ― | 2.42% | ― | ― | |
71 Outperform | ₹135.61B | 30.11 | ― | 1.03% | 9.52% | 1.91% | |
69 Neutral | ₹191.15B | 16.23 | ― | 0.69% | 14.95% | 14.22% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ₹272.41B | 56.57 | ― | 0.82% | 3.63% | -11.24% | |
64 Neutral | ₹60.66B | 7.47 | ― | 0.76% | 21.44% | 17.14% | |
58 Neutral | ₹198.89B | 21.28 | ― | 0.33% | 6.67% | -54.96% |
* Financial Sector Average
IN:RBLBANK
RBL Bank Ltd.
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36.99%
RBL Bank Ltd. Corporate Events
RBL Bank Details One-on-One Investor Meetings in Mumbai
Feb 24, 2026
RBL Bank Limited has disclosed that it held one-on-one, in-person meetings with MFS Investment Management and Bajaj Finserv AMC in Mumbai on February 24, 2026, as part of its regular engagement with analysts and investors. The bank emphasized that...
RBL Bank Names New Executive Director, Updates Disclosure Code
Feb 21, 2026
RBL Bank has announced a leadership transition with the retirement of Executive Director and Key Managerial Personnel Rajeev Ahuja at the close of business on 20 February 2026. Jaideep Iyer has assumed charge as Executive Director and Key Manageri...
RBL Bank Warns of Possible Branch Disruptions Amid Nationwide Bank Strike Call
Jan 23, 2026
RBL Bank has notified the stock exchanges that a one-day nationwide bank strike has been called by the United Forum of Bank Unions for January 27, 2026, over industry-level demands unrelated to any bank-specific issues. The bank’s employee a...
RBL Bank Publishes Unaudited Q3 and Nine-Month FY2025 Results Extracts
Jan 18, 2026
RBL Bank Limited has published in leading English and Marathi newspapers the extract of its unaudited financial results for the quarter and nine months ended December 31, 2025, as approved by its Board of Directors on January 17, 2026. In line wit...
RBL Bank Board Clears Q3 FY26 Unaudited Financial Results
Jan 17, 2026
RBL Bank’s board of directors has approved the bank’s unaudited standalone and consolidated financial results for the quarter and nine months ended 31 December 2025, following a recommendation by its audit committee. The board also not...
RBL Bank Posts Higher Q3 FY26 Operating Profit, Strengthens Asset Quality Despite One-Off Cost
Jan 17, 2026
RBL Bank reported unaudited financial results for the quarter ended 31 December 2025, with net profit at ₹214 crore, dampened by a one-off pre-tax expense of ₹32 crore arising from revised wage definitions under New Labour Codes. Net i...
RBL Bank Publishes Q3 FY2025 Financials and Investor Presentation
Jan 17, 2026
RBL Bank Limited has released its unaudited standalone financial results for the quarter and nine months ended December 31, 2025, and circulated a corresponding press release and investor presentation to the stock exchanges. In line with SEBI List...
RBL Bank Posts Double-Digit Growth in Deposits and Advances, Deepens Focus on Granular Retail Franchise
Jan 2, 2026
RBL Bank Limited reported provisional operational metrics for the quarter ended 31 December 2025, highlighting a 12% year-on-year increase in total deposits to Rs 119,721 crore and a 13% year-on-year rise in gross advances to Rs 104,502 crore. Dep...
RBL Bank Reports Analyst Meeting with Investec, Affirms Regulatory Compliance
Dec 23, 2025
RBL Bank Limited has disclosed to the stock exchanges that it held a one-on-one analyst and investor meeting with Investec Capital Services (India) Private Limited on December 22, 2025, via video conferencing in Mumbai, in line with SEBI’s L...
RBL Bank Announces CFO Resignation and Interim Successor
Dec 15, 2025
RBL Bank Limited announced the resignation of its Chief Financial Officer, Mr. Buvanesh Tharashankar, who is leaving to pursue opportunities outside the bank. The bank has accepted his resignation and has an interim successor in place as per its s...
RBL Bank Hosts Analyst/Investor Meet in Mumbai
Dec 11, 2025
RBL Bank Limited announced the schedule of an Analyst/Investor Meet held on December 11, 2025, in Mumbai with Emkay Global Financial Services Limited. The meeting was conducted in compliance with SEBI regulations, and no unpublished price sensitiv...
RBL Bank Announces Departure of Independent Director Dr. Somnath Ghosh
Dec 6, 2025
RBL Bank Limited announced the completion of Dr. Somnath Ghosh’s term as a Non-Executive Independent Director, effective December 6, 2025. The Board expressed appreciation for Dr. Ghosh’s valuable contributions during his tenure, which...
RBL Bank Announces Analyst/Investor Meet Schedule
Dec 4, 2025
RBL Bank Limited announced the schedule of an Analyst/Investor meet held on December 4, 2025, in Mumbai, organized by Motilal Oswal Securities Ltd. The meeting was conducted in compliance with SEBI regulations, ensuring no unpublished price sensit...
RBL Bank Schedules Analyst and Investor Meet in Mumbai
Dec 4, 2025
RBL Bank Limited has announced a scheduled analyst and investor meeting as part of the Citi India Financial Tour, set to take place on December 15, 2025, in Mumbai. This meeting aims to engage with investors, providing them with insights into the ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.