RBLBANK
RBL Bank Limited (RBLBANK) Stock Analysis
RBL Bank Limited is a private sector bank focused on retail, SME, commercial, and financial inclusion lending. It offers credit cards, deposits, and transaction banking through branches and digital channels. The bank has built niche franchises in cards and inclusive banking. It is listed on Indian stock exchanges.
Financial Services › Banks - Regional
₹378.20
-9.51% 1W | +24.90% 52W
Market Cap
58.7k CR
P/E Ratio
27.3
52W High
₹429.6
52W Low
₹287.2
Div. Yield
0.27%
Beta
0.7
50 DMA
₹400.3
200 DMA
₹348.7
Profit Margin
14.1%
Inst. Own.
17.2%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,855 | 3,008 | 3,191 | 3,339 | 3,497 | 3,531 | 3,537 | 3,477 | 3,441 | 3,508 | 3,667 | 3,721 | 3,840 |
| Interest | 1,434 | 1,533 | 1,645 | 1,739 | 1,796 | 1,916 | 1,951 | 1,913 | 1,960 | 1,956 | 2,009 | 2,049 | 2,185 |
| Expenses | 1,698 | 2,063 | 2,004 | 1,990 | 2,000 | 2,239 | 2,837 | 2,472 | 2,275 | 2,240 | 2,420 | 2,448 | 2,268 |
| Financing Profit | -276 | -588 | -458 | -390 | -300 | -624 | -1,251 | -908 | -794 | -688 | -762 | -776 | -612 |
| Financing Margin % | -10% | -20% | -14% | -12% | -9% | -18% | -35% | -26% | -23% | -20% | -21% | -21% | -16% |
| Other Income | 694 | 713 | 777 | 876 | 775 | 928 | 1,074 | 1,001 | 1,071 | 934 | 1,052 | 1,070 | 922 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 418 | 125 | 320 | 486 | 475 | 304 | -177 | 93 | 277 | 245 | 289 | 294 | 310 |
| Tax % | 24% | -165% | 23% | 25% | 26% | 24% | -127% | 7% | 23% | 22% | 21% | 17% | 24% |
| Net Profit | 319 | 331 | 245 | 364 | 351 | 232 | 47 | 87 | 214 | 192 | 228 | 244 | 234 |
| EPS in Rs | 5.33 | 5.51 | 4.06 | 6.02 | 5.79 | 3.81 | 0.78 | 1.43 | 3.52 | 3.14 | 3.69 | 3.95 | 1.51 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,713 | 4,561 | 6,302 | 8,779 | 8,676 | 8,445 | 9,677 | 12,394 | 14,041 | 14,337 | 14,736 |
| Interest | 2,492 | 2,741 | 3,761 | 4,885 | 4,539 | 4,148 | 4,679 | 6,350 | 7,576 | 7,975 | 8,199 |
| Expenses | 1,234 | 1,827 | 2,559 | 4,919 | 5,129 | 6,674 | 6,071 | 7,520 | 9,312 | 9,136 | 9,376 |
| Financing Profit | -12 | -6 | -17 | -1,025 | -993 | -2,378 | -1,073 | -1,477 | -2,847 | -2,774 | -2,840 |
| Financing Margin % | -0% | -0% | -0% | -12% | -11% | -28% | -11% | -12% | -20% | -19% | -19% |
| Other Income | 755 | 1,069 | 1,441 | 1,918 | 1,875 | 2,352 | 2,507 | 3,060 | 3,778 | 4,127 | 3,978 |
| Depreciation | 62 | 89 | 126 | 146 | 170 | 180 | 213 | 235 | 236 | 247 | 0 |
| Profit before tax | 681 | 974 | 1,298 | 747 | 712 | -206 | 1,221 | 1,349 | 696 | 1,106 | 1,138 |
| Tax % | 35% | 34% | 34% | 33% | 26% | -20% | 25% | 7% | -3% | 21% | |
| Net Profit | 447 | 633 | 861 | 500 | 529 | -166 | 920 | 1,260 | 717 | 879 | 899 |
| EPS in Rs | 11.91 | 15.05 | 20.10 | 9.83 | 8.85 | -2.77 | 15.34 | 20.82 | 11.80 | 14.22 | 12.29 |
| Dividend Payout % | 15% | 14% | 13% | 15% | 0% | 0% | 10% | 7% | 8% | 7% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 14.0% | 11.0% | – |
| Profit CAGR | -2.0% | 11.0% | – |
Shareholding Pattern
FIIs15.49%
DIIs35.28%
Public48.85%
FIIs21.91%
DIIs39.69%
Public38.04%
FIIs20.23%
DIIs42.97%
Public36.44%
Promoters60.00%
FIIs8.77%
DIIs16.92%
Public14.16%
Promoters59.88%
FIIs8.70%
DIIs18.51%
Public12.89%
FIIs24.66%
DIIs19.77%
Public55.14%
FIIs25.14%
DIIs20.12%
Public54.32%
FIIs14.43%
DIIs20.79%
Public64.36%
FIIs20.23%
DIIs42.97%
Public36.44%
Promoters59.88%
FIIs8.70%
DIIs18.51%
Public12.89%
RBLBANK
Holdings Analysis
Key strengths & risk signals
52
Overall
43
Fundamental
62
Technical
Risks (3)
Cannot calculate PEG - insufficient growth data.
RECOVERY MODE! Current price (378.2) above 200-day but below 50-day.
WEAK MOMENTUM! Limited price growth - -9.5% (1 week), -6.4% (1 month), 2.8% (3 months).
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
BULLISH TREND! 50-day average (400.3) is above 200-day average (348.7) - positive signal.
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
GOOD YEAR! Stock gained 24.9% in the last year.
Fundamental & Technical Analysis
52Overall
43Fundamental
62Technical
Fundamental Breakdown
Growth Quality
13/30
Revenue CAGR: 12.2% (GOOD, 11/15). Profit CAGR: -1.5% (DECLINING, 2/15).
Profit Margin
5/10
DECENT EFFICIENCY! 14.1% profit margin - acceptable profitability.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.27% yield - little to no income.
Debt to Equity
6/10
MODERATE DEBT! D/E of 0.93 - acceptable leverage.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 53.38% public ownership - higher volatility risk.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (400.3) is above 200-day average (348.7) - positive signal.
Price Position
2/10
RECOVERY MODE! Current price (378.2) above 200-day but below 50-day.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
8/10
GOOD YEAR! Stock gained 24.9% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 16 up days, 14 down days. Avg volume on up days: 5,161,034 vs down days: 6,396,708. Ratio: 0.81x
RSI
4/5
APPROACHING OVERSOLD! RSI at 38.7 - watch for reversal.
52W Range
4/5
UPPER HALF! Trading at 63.9% of 52W range - positive territory.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - -9.5% (1 week), -6.4% (1 month), 2.8% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
RBLBANK
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-04-28 | Concall PDF | |
| Q2FY262026-01-21 | Concall PDF | |
| Q1FY262025-10-24 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RBLBANK | ₹378.20 | 27.3 | 14.1% | 12.2% | -1.5% | +24.9% | 52 | BREAKDOWN | +9.3% | -4.2% | +1.0% | -6.0% |
| IOB | ₹31.00 | 10.1 | 36.6% | 14.2% | 37.1% | -22.7% | 60 | CONSOLIDATION | +45.6% | +10.3% | +38.3% | +22.8% |
| BANKINDIA | ₹132.40 | 5.1 | 35.0% | 7.3% | 39.0% | +5.9% | 70 | APPROACHING SUPPORT | +80.5% | +7.0% | +14.4% | -5.1% |
| MAHABANK | ₹79.80 | 8.2 | 53.4% | 15.6% | 39.1% | +39.1% | 83 | BOUNCE FROM SUPPORT | +34.5% | -1.1% | +16.6% | +3.4% |
| YESBANK | ₹17.50 | 14.7 | 23.2% | 25.3% | 68.4% | -21.6% | 60 | BREAKDOWN | +32.6% | -1.0% | +11.0% | +4.7% |
| IDFCFIRSTB | ₹78.10 | 30.1 | 9.1% | 19.6% | -13.5% | +10.0% | 57 | APPROACHING SUPPORT | +153.1% | +247.2% | +15.7% | +13.4% |
| INDUSINDBK | ₹877.00 | 51.9 | 7.6% | -0.4% | -50.7% | +15.3% | 57 | BOUNCE FROM SUPPORT | +71.7% | +74.5% | -4.8% | +6.3% |
| AUBANK | ₹989.40 | 26.1 | 25.6% | 30.4% | 22.8% | +25.2% | 77 | CONSOLIDATING DOWN | +37.0% | -4.3% | +18.5% | +2.2% |
Data from TradeAlone · Updated daily
RBLBANK News
Rbl Bank Limited (rblbank) Q2 FY27: Net Profit Surges 170% Yoy2026-10-12Rbl Bank Limited Investor Presentation August 2026: Strategic Initiatives Unveiled2026-09-03Rbl Bank Limited (rblbank) Q1 FY27: Net Profit Up 27% Yoy, Strong Advances Growth2026-07-17Rbl Bank Limited Announces Regulatory Approvals for Strategic Investment by Emirates NBD2026-05-15
