ScoreWhy is RBL Bank Ltd ?
1
The Bank has a high Capital Adequacy Ratio of 18.23% signifying high buffers against its risk based assets
2
Healthy long term growth as Net profit has grown by an annual rate of 62.77%
3
The company has declared Positive results for the last 3 consecutive quarters
- GROSS NPA(Q) Lowest at 1.30%
- INTEREST EARNED(Q) Highest at Rs 3,840.25 cr
- PBDIT(Q) Highest at Rs -36.64 cr.
4
With ROA of 0.5, it has a Very Expensive valuation with a 3.5 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 46.24%, its profits have risen by 67.1%
5
Rising Promoter Confidence
- Promoters have increased their stake in the company by 60% over the previous quarter and currently hold 60% of the company
- Promoters increasing their stake is a sign of high confidence in the future of the business
6
Market Beating performance in long term as well as near term
- Along with generating 46.24% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
RBL Bank
46.64%
1.50
31.07%
Sensex
-2.43%
-0.18
13.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
12.11%
Net Profit Growth (5y)
62.77%
Advance to Deposit
80.70%
Capital Adequacy Ratio (Tier 1)
18.23%
Gross NPA (latest)
1.30%
Gross NPA (avg)
2.81%
Coverage Ratio (avg)
74.27%
Cost to Income (avg)
65.99%
Net Interest Margin (avg)
4.82%
Operating Profit to Assets (avg)
7.01%
ROA (avg)
0.86%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
64
Price to Book Value
3.52
PEG Ratio
NA
Dividend Yield
0.11%
ROE (Latest)
5.33%
ROA (Latest)
0.48%
Net NPA to Book Value
2.59
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
GROSS NPA(Q)
Lowest at 1.30%
INTEREST EARNED(Q)
Highest at Rs 3,840.25 cr
PBDIT(Q)
Highest at Rs -36.64 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at -0.95%
PBT LESS OI(Q)
Highest at Rs -635.92 cr.
PAT(Q)
Highest at Rs 253.70 cr.
NET NPA(Q)
Lowest at 0.37%
-4What is not working for the Company
NON-OPERATING INCOME(Q)
is 296.57 % of Profit Before Tax (PBT
EPS(Q)
Lowest at Rs 1.64
Loading Valuation Snapshot...
Here's what is working for RBL Bank
Gross NPA - Quarterly
Lowest at 1.30% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Interest Earned - Quarterly
Highest at Rs 3,840.25 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs -36.64 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at -0.95% and Grown
each quarter in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs -635.92 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 253.70 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 253.70 cr has Grown at 26.6%
Year on Year (YoY)MOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Net NPA - Quarterly
Lowest at 0.37%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
CAR - Quarterly
Highest at 33.28%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for RBL Bank
Non Operating Income - Quarterly
is 296.57 % 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
Earnings per Share (EPS) - Quarterly
Lowest at Rs 1.64
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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