ScoreWhy is RBL Bank Ltd ?
1
The company has declared positive results in Dec'2025 after 4 consecutive negative quarters
- GROSS NPA(Q) Lowest at 1.88%
- NII(Q) Highest at Rs 1,657.24 cr
- INTEREST EARNED(Q) Highest at Rs 3,666.74 cr
2
With ROA of 0.4, it has a 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 85.18%, its profits have fallen by -32.5%
3
High Institutional Holdings at 61.95%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 10.8% over the previous quarter.
4
Market Beating Performance
- The stock has generated a return of 85.18% in the last 1 year, much higher than market (BSE500) returns of 9.12%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to RBL Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is RBL Bank for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
RBL Bank
85.43%
2.42
35.33%
Sensex
8.49%
0.74
11.41%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
12.45%
Net Profit Growth (5y)
3.88%
Advance to Deposit
81.37%
Capital Adequacy Ratio (Tier 1)
14.61%
Gross NPA (latest)
1.88%
Gross NPA (avg)
3.27%
Coverage Ratio (avg)
71.86%
Cost to Income (avg)
64.58%
Net Interest Margin (avg)
4.73%
Operating Profit to Assets (avg)
6.92%
ROA (avg)
0.53%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
28
Price to Book Value
1.18
PEG Ratio
NA
Dividend Yield
0.33%
ROE (Latest)
4.17%
ROA (Latest)
0.43%
Net NPA to Book Value
3.58
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
GROSS NPA(Q)
Lowest at 1.88%
NII(Q)
Highest at Rs 1,657.24 cr
INTEREST EARNED(Q)
Highest at Rs 3,666.74 cr
PAT(Q)
Highest at Rs 213.88 cr.
EPS(Q)
Highest at Rs 3.47
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 384.49 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for RBL Bank
Profit After Tax (PAT) - Quarterly
At Rs 213.88 cr has Grown at 555.5%
Year on Year (YoY)MOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.88%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 1,657.24 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 3,666.74 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 213.88 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 3.47
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for RBL Bank
Non Operating Income - Quarterly
is 384.49 % 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 14.47%
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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