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RBL Bank

NSI:RBLBANK · INE976G01028
BanksMedium

360

5
Medium confidence — indicative
Profit price9
Cash yield1
Price/Sales94
EV / Gross Profit73
Price/Book44
Returns on capital36
Profit margins—
Cash Conversion1
Owner Earnings Margin13
Sales growth28
Profit Growth12
Long-Term EPS Growth63
Reinvestment37
Price momentum99
Debt load42
Debt serviceability8
Liquidity15
Analyst ratings30
Opinion Changes50
Price Target Upside17
Market mood23
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

RBL Bank generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 1/5 components.

Profile

CountryIndia
IndustryBanks
SizeMedium
TypePublic Company
ExchangeNSEI
Founded1943
Employees9,444
Websiterblbank.com
ISININE976G01028
Last UpdateApr 2, 2026
Index & Theme
Consumer LendingOnline PaymentsBankingFinanceFinancial ServicesFinTech

Description

RBL Bank Limited operates as a scheduled commercial bank. The company offers a wide range of banking and financial services to its customers. Business Segments The company operates through Retail Banking, Wholesale Banking, and Treasury Operations…

Analysis

Story stock

RBL Bank Limited is a story stock: the narrative is ambitious and the price reflects it, but the underlying numbers are weak.

The price is fair. You pay 22.9× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone. At today's price, the market is assuming roughly 8% yearly growth; analysts expect 18%. The price, in other words, assumes less than the experts do.

The trajectory is moderate and the balance sheet is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
6
2023202420252026

All-time high

35

Jan 2024

All-time low

4

Jan 2025

Average rank

15

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
94
95
76
89
Price/Earnings
63
67
41
83
Price/Book
44
91
62
83
Dividend Yield
1
26
24
26
Value (overall)
50
76
57
79

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →