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Banking And Finance | Small Cap
Health Score : 4.03RBL Bank Ltd, operating in the Financial Services (Non-Bank Finance) sector, demonstrates a mixed financial performance. The bank showcases strong growth in revenue and operating profit, along with a solid asset growth rate. However, it faces challenges in earnings per share and net income growth. The bank's profitability is hindered by negative gross and operating margins, and low returns on equity and assets. While the return on capital employed is relatively strong, the overall profitability metrics raise concerns. The bank's efficiency ratios are generally low, except for days sales in inventory and receivable days. Solvency ratios indicate a high reliance on debt, balanced by a reasonable debt-to-asset ratio. The coverage ratios are weak, reflecting potential difficulties in meeting interest and dividend obligations. Liquidity ratios are extremely poor, suggesting potential short-term financial challenges. Overall, RBL Bank shows promise in growth but needs to address its profitability and liquidity issues to ensure long-term financial stability.
Health Score : 4.03RBL Bank Ltd, operating in the Financial Services (Non-Bank Finance) sector, demonstrates a mixed financial performance. The bank showcases strong growth in revenue and operating profit, along with a solid asset growth rate. However, it faces challenges in earnings per share and net income growth. The bank's profitability is hindered by negative gross and operating margins, and low returns on equity and assets. While the return on capital employed is relatively strong, the overall profitability metrics raise concerns. The bank's efficiency ratios are generally low, except for days sales in inventory and receivable days. Solvency ratios indicate a high reliance on debt, balanced by a reasonable debt-to-asset ratio. The coverage ratios are weak, reflecting potential difficulties in meeting interest and dividend obligations. Liquidity ratios are extremely poor, suggesting potential short-term financial challenges. Overall, RBL Bank shows promise in growth but needs to address its profitability and liquidity issues to ensure long-term financial stability.
Overall Valuation Score
Markets Depth NSE
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0
0
Sell Orders
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0
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Markets Today NSE
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0.00
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Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
29.16
Industry Median
12.00
Small Cap Median
10.01
P/E RATIO
27.23
P/B RATIO
1.44
Industry Median
1.22
Small Cap Median
1.06
P/S RATIO
1.59
Industry Median
1.65
Small Cap Median
1.29
Others
PEG RATIO
2.55
EV/EBITDA RATIO
2.82
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹387.25 as on Aug 13, 2026.
Growth Score : 6.00The company demonstrates strong growth in revenue and operating profit, indicating successful expansion and improved operational efficiency. However, there are challenges in earnings per share and net income growth, which may be a concern for investors. The asset growth rate is also robust, reflecting the company's ability to increase its asset base. Addressing the issues in EPS and net income growth could further enhance the company's attractiveness to investors.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthPoorAsset Growth RateExcellentNet Income Growth RatePoor| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -2.66 | 14.59 | 28.08 | 13.29 | 2.11 |
| Operating Profit Growth Rate | 139.48 | -54.88 | 37.65 | 92.76 | 6.11 |
| Earnings Per Share (EPS) Growth | -131.3 | -653.79 | 35.72 | -43.32 | 20.51 |
| Asset Growth Rate | 5.51 | 9.08 | 19.56 | 6.01 | 23.15 |
| Net Income Growth Rate | -131.38 | -654.22 | 36.96 | -43.1 | 22.59 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | City Union Bank Ltd | 7.26 | 11.79 | Neutral | N/A | 13.39 | 1326.00 |
| 2 | Tamilnad Mercantile Bank Ltd | 7.20 | 10.01 | Neutral | N/A | 84.47 | 1338.00 |
| 3 | Karnataka Bank Ltd | 6.78 | 9.02 | Neutral | N/A | 34.67 | 1311.00 |
| 4 | Karur Vysya Bank Ltd | 6.52 | 12.94 | Neutral | N/A | 25.97 | 2510.00 |
| 5 | Bandhan Bank Ltd | 5.80 | 23.14 | Undervalued | N/A | 7.59 | 1224.00 |
| 6 | Punjab & Sind Bank | 4.53 | 12.73 | Neutral | N/A | 1.86 | 1322.00 |
| 7 | South Indian Bank Ltd | 4.21 | 8.21 | Neutral | N/A | 5.56 | 1456.00 |
| 8 | RBL Bank Ltd | 4.03 | 27.23 | Overvalued | N/A | 5.31 | 879.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Quarterly Report⬤25th Apr 26
Audited Standalone Financial Results for Q4 and Year Ended March 31, 2026
UNDEFINED SENTIMENT
Concall Report⬤17th Jan 26
Q3 FY 26 Earnings Conference Call
NEUTRAL SENTIMENT
RBL Bank Ltd. is a fast-growing Indian private sector bank offering a comprehensive suite of banking products and services. It caters to diverse customer segments, including corporate, institutional, commercial, and retail clients. The bank leverages technology and digital solutions to enhance customer experience and operational efficiency, aiming for sustained growth in the competitive Indian financial landscape.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. RBL Bank Ltd's P/E ratio (TTM) is 29.16, compared to the industry median of 12.00 and large cap median of 10.01.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. RBL Bank Ltd's P/B ratio is 1.44, compared to the industry median of 1.22 and large cap median of 1.06.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. RBL Bank Ltd's P/S ratio is 1.59, compared to the industry median of 1.65 and large cap median of 1.29.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. RBL Bank Ltd's PEG ratio is 2.55.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. RBL Bank Ltd's EV/EBITDA ratio is 2.82.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. RBL Bank Ltd's ROE is 5.31%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. RBL Bank Ltd's ROA is -1.67%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. RBL Bank Ltd's ROCE is 54.87%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. RBL Bank Ltd's operating margin is -21.07%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. RBL Bank Ltd's net margin is 6.13%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. RBL Bank Ltd's current ratio is 17.54.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. RBL Bank Ltd's debt-to-equity ratio is 8.09.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. RBL Bank Ltd's interest coverage ratio is 1.14.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. RBL Bank Ltd's DPS is ₹1.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. RBL Bank Ltd's EPS is 20.51.
(Source line: "Ratios as of 13 Aug 2026, based on last traded price of ₹387.25. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
1943: Founded as Ratnakar Bank Ltd. in Kolhapur, Maharashtra. 1959: Attained Scheduled Commercial Bank status. 2010: Underwent significant transformation with a new management team and strategic direction. 2014: Name officially changed to RBL Bank Limited. 2016: Successfully listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) through an Initial Public Offering (IPO). Present: Continues its growth trajectory, expanding its footprint and product offerings, with a strong focus on digital innovation and customer-centric services.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Retail & Wholesale Banking | Approx. 56% (PBT Contribution FY23) | Operating Profit |
| Treasury | Approx. 43% (PBT Contribution FY23) | Operating Profit |
| Other Banking Operations | Approx. 1% (PBT Contribution FY23) | Operating Profit |
R. Subramaniakumar - MD & CEO: Seasoned banker with over 40 years of experience, previously serving as MD & CEO of Indian Overseas Bank and Administrator of Dewan Housing Finance Corporation Ltd. (DHFL). Prakash Chandra - Part-time Chairman: Experienced in regulatory and financial sectors, contributing to the bank's governance.
No major subsidiaries reported.
No major recent corporate actions on record.
References
The RBL Bank Ltd share price today is ₹387.25 on NSE (RBLBANK), as of 13 Aug 2026.
As of 13 Aug 2026, RBL Bank Ltd share price is ₹387.25, with previous close ₹N/A. Today's range is ₹N/A to ₹N/A. The 52-week range is ₹N/A to ₹N/A.
As of today, RBL Bank Ltd's market cap is ₹22,785.79 crore (Large Cap).
RBL Bank Ltd's current P/E ratio is 29.16, compared to the BANKING AND FINANCE sector average of 19.50.
RBL Bank Ltd's current P/B ratio is 1.44.
RBL Bank Ltd's current dividend yield is 0.26%. Last dividend of ₹0.00 per share was declared on N/A.
RBL Bank Ltd's EPS (TTM) is ₹20.51.
RBL Bank Ltd. is a fast-growing Indian private sector bank offering a comprehensive suite of banking products and services. It caters to diverse customer segments, including corporate, institutional, commercial, and retail clients. The bank leverages technology and digital solutions to enhance customer experience and operational efficiency, aiming for sustained growth in the competitive Indian financial landscape.
RBL Bank Ltd is promoted by Professionally Managed, holding 0% as of 13 Aug 2026.
RBL Bank Ltd is listed on NSE (RBLBANK) and BSE (540065). Its next quarterly results are expected on Q1 FY25.