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RBL Bank

  • Market Cap: Mid Cap
  • Industry: Bank - Private
  • ISIN: INE976G01028
  • NSEID: RBLBANK
  • BSEID: 540065
INR
173.20
5.1 (3.03%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 25.02 lacs

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Comparison
Company
Score
Quality
Valuation
Financial
Technical
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Karnataka Bank
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RBL Bank
Why is RBL Bank Ltd ?
1
Negative results in Dec 24
  • PBT LESS OI(Q) At Rs -1,265.60 cr has Fallen at -169.01 %
  • PAT(Q) At Rs 32.63 cr has Fallen at -86.0 %
  • PBDIT(Q) Lowest at Rs -76.70 cr.
2
Stock is technically in a Mildly Bearish range
  • Multiple factors for the stock are Bearish like MACD, Bollinger Band and KST
3
Underperformed the market in the last 1 year
  • Even though the market (BSE 500) generated negative returns of -0.95% in the last 1 year, its fall in the stock was much higher with a return of -33.45%
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Private)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is RBL Bank for you?

High Risk, Low Return

Absolute
Risk Adjusted
Volatility
RBL Bank
-33.33%
-0.82
40.98%
SENSEX
0.45%
0.03
14.48%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Net Interest Income Growth (5y)
14.53%
Net Profit Growth (5y)
8.93%
Advance to Deposit
84.05%
Capital Adequacy Ratio (Tier 1)
15.34%
Gross NPA (latest)
2.92%
Gross NPA (avg)
3.27%
Coverage Ratio (avg)
69.97%
Cost to Income (avg)
60.59%
Net Interest Margin (avg)
4.73%
Operating Profit to Assets (avg)
6.80%
ROA (avg)
0.51%
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
10
Price to Book Value
0.67
PEG Ratio
NA
Dividend Yield
0.89%
ROE (Latest)
6.39%
ROA (Latest)
0.76%
Net NPA to Book Value
3.14
Loading Valuation Snapshot...
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

3What is working for the Company
INTEREST EARNED(Q)

Highest at Rs 3,536.33 cr

NET NPA(Q)

Lowest at 0.53 %

-15What is not working for the Company
PBT LESS OI(Q)

At Rs -1,265.60 cr has Fallen at -169.01 %

PAT(Q)

At Rs 32.63 cr has Fallen at -86.0 %

PBDIT(Q)

Lowest at Rs -76.70 cr.

OPERATING PROFIT TO NET SALES (Q)

Lowest at -2.17%

EPS(Q)

Lowest at Rs 0.54

Loading Valuation Snapshot...
Here's what is working for RBL Bank
Interest Earned - Quarterly
Highest at Rs 3,536.33 cr and Grown
each quarter in the last five quarters
MOJO Watch
Near term sales trend is very positive

Interest Earned (Rs Cr)

Net NPA - Quarterly
Lowest at 0.53 %
in the last five quarters
MOJO Watch
Proportion of stressed loans given by the bank are falling

Net NPA (%)

Here's what is not working for RBL Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -1,265.60 cr has Fallen at -169.01 %
Year on Year (YoY)
MOJO Watch
Near term PBT trend is very negative

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly
At Rs 32.63 cr has Fallen at -86.0 %
Year on Year (YoY)
MOJO Watch
Near term PAT trend is very negative

PAT (Rs Cr)

Operating Profit (PBDIT) - Quarterly
Lowest at Rs -76.70 cr.
in the last five quarters
MOJO Watch
Near term Operating Profit trend is negative

Operating Profit (Rs Cr)

Operating Profit Margin - Quarterly
Lowest at -2.17%
in the last five quarters
MOJO Watch
Company's efficiency has deteriorated

Operating Profit to Sales

Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs -1,265.60 cr.
in the last five quarters
MOJO Watch
Near term PBT trend is negative

PBT less Other Income (Rs Cr)

Earnings per Share (EPS) - Quarterly
Lowest at Rs 0.54
in the last five quarters
MOJO Watch
Declining profitability; company has created lower earnings for shareholders

EPS (Rs)

Non Operating Income - Quarterly
Highest at Rs 1,073.33 cr
in the last five quarters
MOJO Watch
Increased income from non business activities may not be sustainable

Non Operating Income

CAR - Quarterly
Lowest at 14.86 %
in the last five quarters
MOJO Watch
The Bank's capital base vs its risk assets is deteriorating.

CAR (%)

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