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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
RBL Bank Limited is an India-based private sector bank. The Company offers specialized services under five business verticals: corporate banking, commercial banking, branch & business banking, retail assets, and treasury & financial markets operations. Its corporate banking…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A middling, stagnant business, priced for perfection.
RBL Bank is scored on the bank / lender framework. It keeps a slim 4.8% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 15%/yr and profit at -2%/yr. Book value has grown 7%/yr. Return on equity is a weak 2.8%. In the latest quarter profit grew 113% versus the prior quarter.
At 26× earnings, the stock sits at the 88th percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price already implies ~21%/yr earnings growth sustained for a decade — a demanding bar. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 48.71 | 10.03 | worse |
| P/B | 1.36 | 1.4 | better |
| ROE | 2.77 | 9.98 | worse |
| ROA | 0.53 | 0.92 | worse |
| NIM | 3.88 | 4.25 | worse |
| Net NPA | 0.39 | 0.79 | better |
| CASA | 33.6 | 30.48 | better |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 15% CAGR over 3 years — steady double-digit compounder. Growth is decelerating — latest year grew slower than the year before.
Revenue is outpacing profit (15% vs -1%) — costs are rising faster than the top line.
Operating margin has compressed from 10% to 6% — costs or competition are eating into profitability. Margins have declined for 2 consecutive years — watch for a structural cost problem.
-2% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Cash conversion at 8.6× PAT — earnings are well-backed by cash; strong accrual quality. Heavy investing spend every year, but operations generate enough to cover it — the business self-funds its growth.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 13% sequentially — momentum is building.
Profit jumped 113% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (5% → 9%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoter holding at 59.9% — majority control intact. Promoters added 59.9pp over 4 quarters — creeping acquisition signals conviction. FIIs trimmed 13.2pp — foreign money is rotating out. MF stake down 18.5pp — domestic funds are booking profits or rebalancing out.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.