RBL Bank Limited
RBL Bank Limited Fundamental Analysis
RBL Bank Limited (RBLBANK.NS) shows moderate financial fundamentals with a PE ratio of 27.76, profit margin of 3.94%, and ROE of 4.63%. The company generates $184.1B in annual revenue with strong year-over-year growth of 16.30%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 43.9/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze RBLBANK.NS's fundamental strength across five key dimensions:
Efficiency Score
WeakRBLBANK.NS struggles to generate sufficient returns from assets.
Valuation Score
ModerateRBLBANK.NS shows balanced valuation metrics.
Growth Score
ModerateRBLBANK.NS shows steady but slowing expansion.
Financial Health Score
ModerateRBLBANK.NS shows balanced financial health with some risks.
Profitability Score
WeakRBLBANK.NS struggles to sustain strong margins.
Key Financial Metrics
Is RBLBANK.NS Expensive or Cheap?
P/E Ratio
RBLBANK.NS trades at 27.76 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, RBLBANK.NS's PEG of 0.84 indicates potential undervaluation.
Price to Book
The market values RBL Bank Limited at 1.28 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 22.24 times EBITDA. This signals the market has high growth expectations.
How Well Does RBLBANK.NS Make Money?
Net Profit Margin
For every $100 in sales, RBL Bank Limited keeps $3.94 as profit after all expenses.
Operating Margin
Core operations generate 4.94 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $4.63 in profit for every $100 of shareholder equity.
ROA
RBL Bank Limited generates $0.00 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
RBL Bank Limited generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
RBL Bank Limited generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
RBLBANK.NS converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
27.76
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.84
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.28
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.10
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.05
vs 25 benchmark
ROA
Return on assets percentage
0.00
vs 25 benchmark
ROCE
Return on capital employed
0.00
vs 25 benchmark
How RBLBANK.NS Stacks Against Its Sector Peers
| Metric | RBLBANK.NS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 27.76 | 18.79 | Worse (Expensive) |
| ROE | 4.63% | 849.00% | Weak |
| Net Margin | 3.94% | 2879.00% | Weak |
| Debt/Equity | 0.00 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 675.77 | Weak Liquidity |
| ROA | 0.00% | -20989.00% (disorted) | Weak |
RBLBANK.NS outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews RBL Bank Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
24.14%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
6.97%
Industry Style: Value, Dividend, Cyclical
GrowingFCF CAGR
88.11%
Industry Style: Value, Dividend, Cyclical
High Growth