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
₹404.10
-1.62% 1W | +49.00% 52W
Market Cap
62.7k CR
P/E Ratio
33.3
52W High
₹420.4
52W Low
₹261.6
Div. Yield
0.25%
Beta
0.7
50 DMA
₹385
200 DMA
₹338.2
Profit Margin
11.1%
Inst. Own.
21%
🚀 BREAKOUT
🚀 BREAKOUT
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
FIIs17.56%
DIIs34.37%
Public47.67%
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%
FIIs24.66%
DIIs19.77%
Public55.14%
FIIs25.14%
DIIs20.12%
Public54.32%
FIIs14.43%
DIIs20.79%
Public64.36%
FIIs20.23%
DIIs42.97%
Public36.44%
Promoters60.00%
FIIs8.77%
DIIs16.92%
Public14.16%
RBLBANK
Holdings Analysis
Key strengths & risk signals
69
Overall
43
Fundamental
96
Technical
Risks (1)
Cannot calculate PEG - insufficient growth data.
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
BULLISH TREND! 50-day average (385.0) is above 200-day average (338.2) - positive signal.
BREAKOUT! Stock has broken above resistance levels with momentum.
GOOD YEAR! Stock gained 49.0% in the last year.
Fundamental & Technical Analysis
69Overall
43Fundamental
96Technical
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! 11.1% profit margin - acceptable profitability.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.25% 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 (385.0) is above 200-day average (338.2) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (404.1) is above both moving averages.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
10/10
GOOD YEAR! Stock gained 49.0% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 18 up days, 12 down days. Avg volume on up days: 4,751,355 vs down days: 2,119,471. Ratio: 2.24x
RSI
3/5
NEUTRAL! RSI at 58.4 - balanced momentum.
52W Range
5/5
STRONG! Trading at 89.7% of 52W range - near yearly highs.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - -1.6% (1 week), 5.9% (1 month), 6.7% (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 | ₹404.10 | 33.3 | 11.1% | 12.2% | -1.5% | +49.0% | 69 | BREAKOUT | +9.3% | -4.2% | +1.0% | -6.0% |
| BANKINDIA | ₹138.20 | 5.1 | 35.0% | 7.3% | 39.0% | +15.8% | 70 | BREAKDOWN | +80.5% | +7.0% | +14.4% | -5.1% |
| MAHABANK | ₹80.80 | 8.3 | 53.4% | 15.6% | 39.1% | +40.1% | 80 | CONSOLIDATION | +34.5% | -1.1% | +16.6% | +3.4% |
| IOB | ₹32.10 | 10.9 | 36.6% | 14.2% | 37.1% | -20.2% | 67 | APPROACHING SUPPORT | +45.6% | +10.3% | +38.3% | +22.8% |
| YESBANK | ₹23.10 | 19.3 | 23.2% | 25.3% | 68.4% | +11.1% | 75 | HIT RESISTANCE | +32.6% | -1.0% | +11.0% | +4.7% |
| IDFCFIRSTB | ₹86.30 | 33.3 | 9.1% | 19.6% | -13.5% | +18.2% | 64 | APPROACHING RESISTANCE | +153.1% | +247.2% | +15.7% | +13.4% |
| INDUSINDBK | ₹958.20 | 56.6 | 7.6% | -0.4% | -50.7% | +28.7% | 55 | CONSOLIDATING DOWN | +71.7% | +74.5% | -4.8% | +6.3% |
| AUBANK | ₹1,039.30 | 27.5 | 25.6% | 30.4% | 22.8% | +42.8% | 84 | CONSOLIDATING UP | +37.0% | -4.3% | +18.5% | +2.2% |
Data from TradeAlone · Updated daily
