RBL Bank Ltd
Fundamental Score
RBL Bank Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of RBLBANK across key market metrics for learning purposes.
Positive Indicators
4 factors identified
Strong Operating Margins (34.90%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Strong Cash Generation (₹6034.76 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Strong Institutional Confidence (FII+DII: 50.77%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
11 factors identified
Below-Average Return on Equity (4.57%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (6.04%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Profit Decline Concern (-19.77%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes. Monitor for recovery signs and management guidance.
Weak Earnings Growth (2.83% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation. Consider growth catalysts and competitive positioning.
Elevated Debt Levels (D/E: 8.32)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.05x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Low Promoter Commitment (0.00%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Very Low ROE
Observation: Poor capital utilization and shareholder returns.
Analysis: ROE below 5% suggests significant inefficiencies in capital deployment.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
Financial Statements
Comprehensive financial data for RBL Bank Ltd
About RBLBANK
Business Overview
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 offers savings, salary, current, special institutions, and seafarer accounts; safe deposit lockers; fixed, recurring, and smart deposits; and portfolio investment schemes. It also provides housing, personal, business, pre-owned car, two-wheeler, education, business, crop, agri investment, agri allied, and micro-enterprise loans, as well as overdrafts, rural vehicle finance, loans against gold ornaments, loans against property, working capital finance, and unsecured and secured small business loans; life, general, and health insurance products; investments services, such as e-ASBA and national pension system; and Demat accounts. In addition, the company offers online tax and bill payment, missed call recharge and facility, payment gateway, and merchant acquiring services; online, mobile, and digital banking; debit, credit, commercial, and prepaid cards; outward remittances; wire transfer and foreign currency cheques; and developmental banking and financial inclusion services, including loan syndications. Further, it provides corporate finance; investment banking services, comprising mergers and acquisitions advisory and private equity capital advisory; project and infrastructure finance, structured finance, and real estate financing; cash management, trade and remittance, and supply chain finance services; and financial markets and treasury products, including capital markets, and forex and bullion. Additionally, the company offers agribusiness, NRI, and preferred banking services. It operates a network of bank branches, business correspondent branches, and ATMs. The company was formerly known as The Ratnakar Bank Limited and changed its name to RBL Bank Limited in August 2014. RBL Bank Limited was incorporated in 1943 and is based in Mumbai, India.
Company Details
Key Leadership
Corporate Events
Latest News
RBLBANK Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of RBL Bank Ltd (RBLBANK)?
As of 21 Jan 2026, 08:45 am IST, RBL Bank Ltd (RBLBANK) is currently trading at ₹295.05. The stock has a market capitalization of ₹18.95K (Cr).
Is RBLBANK share price Overvalued or Undervalued?
RBLBANK is currently trading at a P/E ratio of 39.46x, compared to the industry average of 15.23x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the RBL Bank Ltd share price?
Key factors influencing RBLBANK's price include its quarterly earnings growth (Sales Growth: -0.66%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is RBL Bank Ltd a good stock for long-term investment?
RBL Bank Ltd shows a 5-year Profit Growth of 6.56% and an ROE of 4.57%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 8.32 before investing.
How does RBL Bank Ltd compare with its industry peers?
RBL Bank Ltd competes with major peers in the Private Sector Bank. Investors should compare RBLBANK's P/E of 39.46x and ROE of 4.57% against the industry averages to determine its competitive standing.
What is the P/E ratio of RBLBANK and what does it mean?
RBLBANK has a P/E ratio of 39.46x compared to the industry average of 15.23x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹39 for every ₹1 of annual earnings.
How is RBLBANK performing according to Bull Run's analysis?
RBLBANK has a Bull Run fundamental score of 16.5/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does RBLBANK belong to?
RBLBANK operates in the Private Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting RBL Bank Ltd.
What is Return on Equity (ROE) and why is it important for RBLBANK?
RBLBANK has an ROE of 4.57%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently RBL Bank Ltd generates profits from shareholders' equity.
How is RBLBANK's debt-to-equity ratio and what does it indicate?
RBLBANK has a debt-to-equity ratio of 8.32, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is RBLBANK's dividend yield and is it a good dividend stock?
RBLBANK offers a dividend yield of 0.33%, which means you receive ₹0.33 annual dividend for every ₹100 invested.
How has RBLBANK grown over the past 5 years?
RBLBANK has achieved 5-year growth rates of: Sales Growth 10.52%, Profit Growth 6.56%, and EPS Growth 2.83%.
What is the promoter holding in RBLBANK and why does it matter?
Promoters hold 0.00% of RBLBANK shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is RBLBANK's market capitalization category?
RBLBANK has a market capitalization of ₹18950 crores, placing it in the Mid-cap category.
How volatile is RBLBANK stock?
RBLBANK has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for RBLBANK?
RBLBANK has a 52-week high of ₹N/A and low of ₹N/A.
What is RBLBANK's operating profit margin trend?
RBLBANK has a 5-year average Operating Profit Margin (OPM) of 34.90%, indicating the company's operational efficiency.
How is RBLBANK's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of -0.66% and YoY Profit Growth of -19.77%.
What is the institutional holding pattern in RBLBANK?
RBLBANK has FII holding of 15.49% and DII holding of 35.28%. Significant institutional holding often suggests professional confidence in the stock.