ScoreWhy is RBL Bank Ltd ?
1
The company has declared Negative results for the last 4 consecutive quarters
- PAT(9M) At Rs 447.55 cr has Grown at -52.72%
- PBT LESS OI(Q) At Rs -704.01 cr has Fallen at -10.73%
- NON-OPERATING INCOME(Q) is 407.84 % of Profit Before Tax (PBT)
2
With ROA of 0.3, it has a Very Expensive valuation with a 1.2 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 75.01%, its profits have fallen by -59.3%
Real-Time Research ReportHow much should you sell?
- 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 Private Sector Bank)
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, High Return
Absolute
Risk Adjusted
Volatility
RBL Bank
75.01%
2.04
36.81%
Sensex
4.83%
0.41
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
12.64%
Net Profit Growth (5y)
0.44%
Advance to Deposit
81.19%
Capital Adequacy Ratio (Tier 1)
14.85%
Gross NPA (latest)
2.32%
Gross NPA (avg)
3.50%
Coverage Ratio (avg)
70.81%
Cost to Income (avg)
63.53%
Net Interest Margin (avg)
4.87%
Operating Profit to Assets (avg)
7.13%
ROA (avg)
0.50%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
39
Price to Book Value
1.19
PEG Ratio
NA
Dividend Yield
0.33%
ROE (Latest)
3.03%
ROA (Latest)
0.31%
Net NPA to Book Value
3.61
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 86.17%
GROSS NPA(Q)
Lowest at 2.32%
-10What is not working for the Company
PAT(9M)
At Rs 447.55 cr has Grown at -52.72%
PBT LESS OI(Q)
At Rs -704.01 cr has Fallen at -10.73%
NON-OPERATING INCOME(Q)
is 407.84 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for RBL Bank
Gross NPA - Quarterly
Lowest at 2.32%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 86.17% and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for RBL Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -704.01 cr has Fallen at -10.73%
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 178.52 cr has Fallen at -19.8%
Year on Year (YoY)MOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Non Operating Income - Quarterly
is 407.84 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
CAR - Quarterly
Lowest at 14.71%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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