AI Summary
✦ ClarthaRBL Bank is an Indian scheduled commercial bank serving corporate/wholesale, retail, treasury, and other banking operations. Retail banking monetizes deposits, mortgages, personal loans, vehicle finance, gold loans, and small-business credit. Corporate banking contributes through working-capital finance, business lending, and institutional relationships, while treasury manages investment and liquidity income. Recent dividend approval supports shareholder distributions but does not indicate an operating growth catalyst. Revenue increased only 0.8% year-on-year, despite 22.6% profit growth. Stable margins suggest earnings growth reflects below-revenue-line factors rather than improving operating spread. ROE is unavailable, preventing assessment of capital efficiency and whether profit growth translates into attractive shareholder returns. At 32 times earnings, RBL Bank trades at a rich valuation for 0.8% revenue growth and neutral market sentiment. The key open question is whether retail and small-business credit can accelerate without increasing asset-quality pressure. Until growth broadens, the valuation appears expensive relative to current expansion.
Valuation Metrics
Trading 54.5% above historical median. Valuation is rising — currently in the strongly overvalued zone (z-score: +2.29). Confidence: 77%.
Live forward EPS implies next-12-month EPS of ₹19.90. Applying the stock's normalized valuation corridor produces a fair range of ₹350.44 to ₹488.15, with base value near ₹414.12 (+6.2% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹19.90
Forward P/E
19.6x
Base Fair Value
₹414.12
Fair Range
₹350.44 - ₹488.15
Upside To Base
+6.2%
Estimate Source
Live forward EPS
Growth Estimate
+367.9%
5Y Average
2.92
Current
1.44
Overvalued
3.36
Undervalued
2.49
5Y Average
17.66
Current
32.16
Overvalued
24.53
Undervalued
17.61
5Y Average
4.18
Current
7.60
Overvalued
5.08
Undervalued
3.01
Peers & Comparison
Sector: Financials · Theme: Private Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
FEDERAL BANK LTD FEDERALBNKPrivate Banks | +21.4% | 30.7% | 19.1x Fair | -12% vs avg | +80.7% |
IDBI BANK LIMITED IDBIPrivate Banks | — | 48.6% | 9.5x Undervalued | -56% vs avg | -6.1% |
IDFC FIRST BANK LIMITED IDFCFIRSTBPrivate Banks | -1.1% | 32.8% | 33.1x Premium | +53% vs avg | +20.6% |
YES BANK LIMITED YESBANKPrivate Banks | +19.8% | 23.2% | 19.1x Fair | -12% vs avg | +20.8% |
INDUSIND BANK LIMITED INDUSINDBKPrivate Banks | +1.0% | 7.6% | 61.1x Premium | +183% vs avg | +30.4% |
CITY UNION BANK LTD CUBPrivate Banks | +23.3% | 37.8% | 15.3x Undervalued | -29% vs avg | +35.2% |
J & K BANK LTD. J&KBANKPrivate Banks | — | 34.2% | 7.5x Undervalued | -65% vs avg | +51.3% |
THE SOUTH INDIAN BANK LTD SOUTHBANKPrivate Banks | +8.6% | 29.4% | 8.0x Undervalued | -63% vs avg | +55.2% |
RBL BANK LIMITED trades at a premium (32.2x vs peer avg 21.6x), implying higher growth or quality expectations from the Private Banks cohort. Peers include FEDERAL BANK LTD, IDBI BANK LIMITED, IDFC FIRST BANK LIMITED — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹3.84K CrJun 2026Latest net profit
₹254 CrJun 2026Free cash flow
₹7.35K CrMar 2026Net Profit
₹254 CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 2,856 | 3,008 | 3,191 | 3,339 | 3,496 | 3,531 | 3,536 | 3,476 | 3,441 | 3,507 | 3,667 | 3,720 | 3,840 |
| Interest | 1,434 | 1,533 | 1,646 | 1,739 | 1,796 | 1,916 | 1,951 | 1,913 | 1,960 | 1,957 | 2,010 | 2,049 | 2,186 |
| Expenses + | 1,726 | 2,089 | 2,016 | 2,002 | 2,013 | 2,251 | 2,851 | 2,487 | 2,290 | 2,255 | 2,434 | 2,463 | 2,290 |
| Financing Profit | -304 | -614 | -470 | -402 | -313 | -636 | -1,266 | -924 | -809 | -704 | -777 | -792 | -636 |
| Financing Margin % | -11% | -20% | -15% | -12% | -9% | -18% | -36% | -27% | -24% | -20% | -21% | -21% | -17% |
| Other Income + | 685 | 704 | 778 | 875 | 805 | 927 | 1,073 | 1,000 | 1,069 | 933 | 1,050 | 1,069 | 959 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 381 | 91 | 307 | 473 | 493 | 292 | -192 | 76 | 261 | 229 | 273 | 277 | 324 |
| Tax % | 24% | -224% | 24% | 25% | 25% | 24% | -117% | 10% | 23% | 22% | 22% | 17% | 22% |
| Net Profit + | 288 | 294 | 233 | 353 | 372 | 223 | 33 | 69 | 200 | 179 | 214 | 230 | 254 |
| EPS in Rs | 4.80 | 4.89 | 3.87 | 5.83 | 6.13 | 3.66 | 0.54 | 1.13 | 3.29 | 2.91 | 3.47 | 3.72 | 1.64 |
| Gross NPA % | 3.22% | 3.12% | 3.12% | 2.65% | 2.69% | 2.88% | 2.92% | 2.60% | 2.78% | 2.32% | 1.88% | 1.45% | 1.30% |
| Net NPA % | 1.00% | 0.78% | 0.80% | 0.74% | 0.74% | 0.79% | 0.53% | 0.29% | 0.45% | 0.57% | 0.55% | 0.39% | 0.37% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
RBL Bank Limited Informs The Exchange Regarding Tax Deduction At Source (TDS) On Dividend Distribution
RBL Bank Limited Informs The Exchange About AGM Notice And Annual Report.