Financials RBL Bank Limited Bombay S.E.

Equities

RBLBANK

INE976G01028

Banks

Market Closed - Bombay S.E. 06:12:15 2024-04-26 am EDT 5-day change 1st Jan Change
265.6 INR +1.07% Intraday chart for RBL Bank Limited +4.53% -4.89%

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 290,312 68,884 124,119 78,057 84,599 160,747 - -
Enterprise Value (EV) 1 290,312 68,884 124,119 78,057 84,599 160,747 160,747 160,747
P/E ratio 33.9 x 12.2 x 22.4 x -104 x 9.62 x 13.8 x 10.2 x 7.9 x
Yield 0.4% 1.11% - - 1.06% 0.9% 1.18% 1.56%
Capitalization / Revenue 7.29 x 1.24 x 2.12 x 0.74 x 1.22 x 1.78 x 1.52 x 1.27 x
EV / Revenue 7.29 x 1.24 x 2.12 x 0.74 x 1.22 x 1.78 x 1.52 x 1.27 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 3.96 x 0.67 x 0.98 x 0.62 x 0.62 x 1.09 x 1 x 0.9 x
Nbr of stocks (in thousands) 426,710 508,366 598,020 599,514 599,568 605,680 - -
Reference price 2 680.4 135.5 207.6 130.2 141.1 265.4 265.4 265.4
Announcement Date 4/18/19 5/7/20 5/4/21 5/12/22 4/29/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 39,818 55,399 58,450 105,163 69,409 90,067 106,084 126,969
EBITDA - - - - - - - -
EBIT 1 19,398 27,516 30,910 27,453 22,024 29,375 36,786 45,986
Operating Margin 48.72% 49.67% 52.88% 26.11% 31.73% 32.61% 34.68% 36.22%
Earnings before Tax (EBT) 1 12,992 7,528 6,890 -1,151 11,805 12,338 21,336 27,550
Net income 1 8,670 5,057 5,080 -747.4 8,827 11,560 15,642 20,491
Net margin 21.77% 9.13% 8.69% -0.71% 12.72% 12.83% 14.75% 16.14%
EPS 2 20.04 11.10 9.280 -1.250 14.66 19.27 26.00 33.60
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 2.700 1.500 - - 1.500 2.384 3.119 4.141
Announcement Date 4/18/19 5/7/20 5/4/21 5/12/22 4/29/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 14,880 15,940 27,205 25,676 26,641 26,423 16,413 16,477 17,666 18,853 - 20,032 22,470 24,038
EBITDA - - - - - - - - - - - - - -
EBIT 1 8,048 8,770 8,074 6,910 6,308 6,574 5,291 5,124 5,672 5,938 6,475 6,644 7,681 7,799
Operating Margin 54.09% 55.02% 29.68% 26.91% 23.68% 24.88% 32.24% 31.09% 32.11% 31.5% - 33.16% 34.18% 32.44%
Earnings before Tax (EBT) 1 1,950 1,100 -6,182 394.9 2,069 2,568 2,761 2,708 2,745 3,591 3,813 3,885 4,204 3,973
Net income 1 1,471 750 -4,595 308 1,561 1,978 2,012 2,016 2,090 2,710 2,881 2,984 3,234 3,332
Net margin 9.88% 4.71% -16.89% 1.2% 5.86% 7.49% 12.26% 12.23% 11.83% 14.38% - 14.89% 14.39% 13.86%
EPS 2 2.620 1.250 -7.680 0.5100 2.590 3.300 3.360 3.360 3.470 4.490 4.780 4.950 5.200 5.525
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 1/28/21 5/4/21 8/2/21 10/28/21 1/27/22 5/12/22 7/21/22 10/22/22 1/20/23 4/29/23 7/22/23 - - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 12.2% 5.74% 4.35% -0.6% 6.69% 8.27% 10.2% 11.9%
ROA (Net income/ Total Assets) 1.27% 0.59% 0.54% -0.07% 0.83% 0.93% 1.08% 1.19%
Assets 1 682,638 857,068 940,741 1,067,714 1,063,530 1,245,172 1,447,228 1,721,298
Book Value Per Share 2 172.0 202.0 212.0 210.0 226.0 244.0 267.0 295.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 4/18/19 5/7/20 5/4/21 5/12/22 4/29/23 4/27/24 - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
B+
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