RBL Bank Ltd. (RBLBANK) AI Stock Analysis

• Market Cap: ₹162.37B
• Dividend Yield: 0.57%
• Average Volume (3M): 367.01K
• Price to Earnings (P/E): 28.3
• Beta (1Y): 1.81
• Revenue Growth: 11.64%
• EPS Growth: -55.39%
• Country: IN
• Employees: 22,564
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): 3.00
• Shares Outstanding: 611,683,900
• 10 Day Avg. Volume: 514,276
• 30 Day Avg. Volume: 367,013
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹263.86
• Price Target Upside: -0.60% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 7

• Rating: 65 Neutral
• Price Target: ₹287.00 ▲(8.12% Upside)

RBL Bank's overall stock score is driven primarily by its strong technical momentum, with prices above key moving averages, indicating potential for upward movement. However, the high P/E ratio suggests overvaluation concerns, and inconsistent financial performance with negative cash flows pose risks that could impact stability.

RBL Bank Ltd. Business Overview & Revenue Model

Company Description

RBL Bank Ltd. (RBLBANK) is one of India's leading private sector banks, offering a wide array of banking and financial services. Established in 1943, the bank operates across various segments including retail banking, corporate and institutional banking, commercial banking, and treasury and financial market operations. It provides services such as savings accounts, credit cards, loans, and investment options to individual consumers as well as businesses.

How the Company Makes Money

RBL Bank Ltd. generates revenue primarily through interest income from loans and advances, which constitutes a significant portion of its earnings. The bank also earns from fees and commissions associated with its array of banking services such as credit card transactions, account maintenance, and loan processing fees. Additionally, the bank invests in government and corporate securities, generating income from these investments. RBL Bank's partnerships with various fintech companies and its focus on digital banking solutions further expand its revenue streams by enhancing customer acquisition and transaction volumes.

RBL Bank Ltd. Financial Statement Overview

Summary

RBL Bank's financial performance shows strong revenue growth and an improving equity base, indicating positive financial health. However, inconsistent profitability and recent negative cash flows highlight challenges that need resolution. The balance sheet is robust, but high liabilities pose potential risks.

Income Statement

RBL Bank has demonstrated a positive trend in total revenue, increasing from 58.26 billion in 2020 to 178.19 billion in 2025. Despite this growth, net profit margins have been inconsistent, with a notable dip into negative territory in 2022. The gross profit margin has improved over the years, indicating better cost management. However, the decrease in EBIT and EBITDA margins in recent years suggests challenges in operational efficiency. The bank's revenue growth is commendable, albeit with fluctuating profitability.

Balance Sheet

The balance sheet reflects a solid equity base, with stockholders' equity rising steadily from 105.65 billion in 2020 to 156.70 billion in 2025. The debt-to-equity ratio has improved, indicating better leverage management. However, the relatively high total liabilities suggest potential risks if not managed carefully. The equity ratio has been stable, reflecting a balanced asset structure. Overall, RBL Bank's balance sheet shows strength but requires careful monitoring of liabilities.

Cash Flow

RBL Bank's cash flow statement indicates volatility, with operating cash flow turning negative in 2023 and 2025 after positive figures in previous years. The free cash flow has shown significant fluctuations, posing challenges in maintaining consistent cash reserves. The negative free cash flow in recent years is a concern, reflecting potential liquidity issues. Despite previous years of positive cash flow growth, the current trend highlights the need for improved cash management.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	131.70B	178.19B	154.54B	121.16B	107.96B	105.50B
Gross Profit	94.58B	102.43B	91.04B	64.83B	37.88B	37.83B
EBITDA	2.20B	9.32B	15.83B	14.34B	-263.30M	8.80B
Net Income	7.17B	7.17B	12.60B	9.20B	-1.66B	5.29B
Balance Sheet
Total Assets	1.47T	1.47T	1.38T	1.16T	1.06T	1.01T
Cash, Cash Equivalents and Short-Term Investments	125.66B	125.66B	144.23B	85.27B	175.57B	134.43B
Total Debt	137.35B	137.35B	267.10B	237.79B	233.36B	183.18B
Total Liabilities	1.31T	1.31T	1.24T	1.02T	936.32B	879.53B
Stockholders Equity	156.70B	156.70B	148.37B	135.26B	125.30B	126.66B
Cash Flow
Free Cash Flow	0.00	-11.12B	28.30B	-112.76B	61.78B	74.52B
Operating Cash Flow	0.00	-8.24B	30.34B	-110.31B	64.49B	76.31B
Investing Cash Flow	0.00	-2.81B	-168.68B	-2.34B	-2.64B	-1.74B
Financing Cash Flow	0.00	-5.03B	194.38B	81.03B	-1.09B	-42.07B

RBL Bank Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 265.45
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 265.45 is above the 20-day moving average (MA) of 260.12, above the 50-day MA of 258.60, and above the 200-day MA of 198.36, indicating a bullish trend. The MACD of 3.57 indicates Negative momentum. The RSI at 63.73 is Neutral, neither overbought nor oversold. The STOCH value of 84.25 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.06B	11.97	10.24%	3.74%	9.75%	1.30%
RBLBANK	65 Neutral	₹162.37B	28.28		0.57%	11.64%	-55.39%
CDSL	63 Neutral	₹315.46B	64.14		0.82%	18.35%	3.14%
CUB	58 Neutral	₹143.61B	12.60		1.00%	14.10%	10.60%
DCBBANK	―	₹39.93B	6.16		1.06%	―	―
J&KBANK	―	₹110.34B	5.27		0.84%	―	―
KTKBANK	―	₹66.34B	5.66		3.14%	―	―

RBL Bank Ltd. Corporate Events

RBL Bank Hosts Analyst and Investor Meet

RBL Bank Limited announced the schedule of an analyst and investor meet held on June 23, 2025, in compliance with SEBI regulations. The meeting, conducted via video conferencing with Franklin Templeton Asset Management, did not involve the sharing of any unpublished price-sensitive information, and details have been made available on the bank’s website.