BSE: RBLBANK - RBL Bank Limited

Yield per half year: -14.72%
Dividend yield: +1.42%
Sector: Financials

Reporting RBL Bank Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹			130.78			225.88						99.84	178.33	31.42
Выручка, млрд ₹			11.95	17.38	28.33	39.54	58.8	61.85	66	73.78	89.72	89.72	70.03	8.82
Чистая прибыль, млрд ₹			2.92	4.47	6.32	8.58	5	5.29	-1.66	9.2	12.6	12.6	6.09	20.30
EV, млрд ₹			338.23			344.57	130.59			132.61	151.39	151.39	219.48	-14.85
Баланс стоимость, млрд ₹			29.89	43.36	66.81	75.35	105.65	126.66	125.3	135.26	148.37	148.37	128.25	7.03
FCF, млрд ₹					-27.26	-1.26	-53.99	74.52	61.78	-112.76	47.51	47.51	3.41	-197.48
Операционный денежный поток, млрд ₹			-43.84	-68.06	-118.51	-144.14	-46.27	-76.11	4.97	-110.31	49.55	49.55	-35.6340	-201.38
Операционная прибыль, млрд ₹	1.33	3	4.28	6.81									3.85	50.43
Операционные расходы, млрд ₹	4.24	6	7.67	10.56									7.12	25.62
CAPEX, млрд ₹			0.6286	1.45	1.7	2.04	2.27	1.79	2.71	2.44	2.04	2.04	2.25	-2.11

	2016Q2	2016Q3	2016Q4	2017Q1	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Капитализация, млрд ₹			135.23			144.31																	139.77	3.30
Выручка, млрд ₹													16.29	17.55	17.37	18.71	20.15	20.76	21.88	23.24	23.44	24.76	22.82	3.59
Чистая прибыль, млрд ₹													1.65	2.09	1.88	2.25	2.99	3.19	3.31	2.45	3.64	3.51	3.22	1.93
EV, млрд ₹																	132.61		202.79		151.39		162.26	4.51
Баланс стоимость, млрд ₹								107.2	108.76	125.88	126.66	122.32	125.3		129.76		135.26		141.39		148.37		136.02	3.44
Операционный денежный поток, млрд ₹					-21.76		-51.73		65.86		76.31	77.8	64.49		-63.22		-110.31		-10.38				-8.3240	-166.84
Операционная прибыль, млрд ₹	1.56	1.7	1.99	1.71																			1.74	2.32
Операционные расходы, млрд ₹	2.4	2.53	2.69	3.07																			2.67	6.35
CAPEX, млрд ₹					1.22		2.27		0.9799		1.79	1.53	2.71		1.46		2.44		1.12				1.85	-6.05

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			3.27	3.83	43.1	66.49	88.59	134.43	175.57	85.27	144.23	144.23	125.62	10.24
Short Term Investments ₹				10.27									10.27	0.00
Long term investments ₹	65.18	97.92	144.36	134.82	153.97	167.45	180.55	230.85	221.29	287.3			217.49	11.40
Total Receivables ₹	0.1319	2.34	9.19			7.25	6.33	19.66	0.0511				8.50	-64.60
Total Current Assets ₹	11.92	24.53	27.99	45.83	48.29	73.43	97.06	142.69	183.73				109.04	30.64
Чистые активы, млрд ₹		1.64	1.77	2.59	3.4	4.16	4.92	4.95	5.78	5.98		5.98	5.16	7.53
Активы, млрд ₹			391.61	486.76	618.77	803.98	889.83	1 006.19	1 061.63	1 158.06	1 384.54	1 384.54	1100.05	9.24
Short Term Debt ₹	38.96	69.63	105.36	79.8									73.44	19.63
Long Term Debt ₹		17.86	105.36	79.8	92.61	118.32	170.07	112.26	110.98	133.32		133.32	128.99	2.42
Задолженность, млрд ₹			361.72	443.39	551.97	728.63	784.19	879.53	936.32	1 022.8	1 236.16	1 236.16	971.80	9.53
Чистый долг, млрд ₹					46.89	53.83	74.15			48.05	4.84	4.84	45.55	-36.50
Долг, млрд ₹	51.37	87.49	210.72	159.6		118.32	170.07	112.26				133.32	154.19	-11.83
Interest income ₹				37.13	45.61	63.02	87.79	85.61	84.45	95.5			83.27	8.67
Расходы на обслуживание долга ₹						37.61	48.85	44.25	41.48	46.79	63.5	63.5	48.97	5.39
Чист. проц. доходы, млрд ₹			8.19	12.21	18.21	25.41	38.94	41.36	42.97	48.71	123.94	95.5	59.18	26.06
Goodwill ₹					0.1829	0.4068	0.4068	0.4068	0.4068	0.4068			0.4068	0.00
Товарно материальные запасы ₹					0.5913	0.4004	0.4004	0.4004	0.3358				0.4257	-10.70

	2016Q2	2016Q3	2016Q4	2017Q1	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Наличность, млрд ₹								116.38	116.32	100.56	134.43	208.47		175.57		109.82		85.27		93.27		144.23		121.63	-3.86
Short Term Investments ₹				10.27																				10.27	0.00
Long term investments ₹							180.55	197.39	211.32	247.93	230.85	216.27		221.29		256.68		287.3		294.98				255.30	6.40
Total Receivables ₹		16.8			27.68	24.43	6.33													12.91				17.63	-5.13
Total Current Assets ₹		27.96		45.83	64.26	95.91	97.06											85.27		856.51				239.80	67.86
Чистые активы, млрд ₹							4.92	43.21	5.02	50.71	4.95	5.57		5.78		6.17		5.98		5.94				5.89	1.29
Активы, млрд ₹								924.22	933.03	964.05	1 006.19	1 044.44		1 061.63		1 073.55		1 158.06		1 241.08		1 384.54		1183.77	5.45
Short Term Debt ₹	105.36	77.75	77.75	79.8																				85.17	-6.71
Long Term Debt ₹							170.07	160.29	132.56	120.7	112.26	129.4		110.98		107.81		133.32		153.02				126.91	3.41
Задолженность, млрд ₹								817.02	824.27	838.17	879.53	922.12		936.32		943.79		1 022.8		1 099.68		1 236.16		1047.75	5.71
Чистый долг, млрд ₹								43.91	16.24	20.14								48.05		59.75		4.84		29.80	-21.50
Долг, млрд ₹		155.51		127.61							112.26	129.4												131.19	-4.49
Interest income ₹												20.34	21.07	22.01	22.03	22.63	24.67	26.16	28.16	30.08	31.91			28.20	5.28
Расходы на обслуживание долга ₹														10	10.62	11.11	12.21	12.85	14.34	15.33	16.45	17.39	17.96	16.29	4.60
Чист. проц. доходы, млрд ₹														12.01	11.41	11.52	12.47	13.31	13.82	14.75	15.47	33.39	34.97	22.48	20.40
Goodwill ₹							0.4068	0.41	0.4068	0.41	0.4068	0.4068		0.4068		0.4068		0.4068		0.4068				0.4068	0.00
Товарно материальные запасы ₹							0.4004																	0.4004	0.00

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS		9		30.64	11.04	9.88	-2.77	15.34	20.82		20.82	10.86	13.53
Цена акции ао		509.25	576.25	344.8	231.1	127.05	179.45	279.2	158	179.1	179.1	184.56	7.11
Число акций ао, млн	393.55			449.26	508.7	598.02	599.51	599.57	605.1		605.1	582.18	3.53
FCF/акцию				-2.8	-106.14	124.62	103.05	-188.06	78.52		78.52	2.40	-194.15

	2016Q4	2019Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2025Q1	5 quarters average	CAGR 5
EPS			2.02	2.03	3.48	3.13	3.73	4.98	5.3	5.51	3.99	6.02		5.16	3.87
Цена акции ао			189.92	139.19	111.65	105.5	144.46	159.85	158.03	222.51	247.9		179.1	193.48	2.30
Число акций ао, млн	393.55	449.26												421.40	6.84

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			9.78	10.3	9.46	11.39	4.73	4.18	-1.32	7.06	8.88		8.88	13.90	4.71	13.43
ROA, %			0.7469	0.9179	1.02	1.07	0.5621	0.5262	-0.1607	0.8285	0.991		0.991	2.81	0.5494	12.01
ROIC, %	1.54	2.22	1.46	2.61										6.29	1.96	14.10
ROS, %				25.71	22.3	21.69	8.51	8.56	-2.52	12.46	14.04	14.04	14.04	59.51	9.32	10.40
ROCE, %												0	0	2.58
Ebit margin, %												0	0
Рентаб EBITDA, %												0	0	10.51
Чистая рентаб, %			24.47	25.71	22.3	21.69	8.51	8.56	-2.52	12.46	14.04		14.04	59.51	8.21	10.53
Operation Margin, %	23.82	33.34	35.81	39.21						0	0	0	0	13.65	33.05	13.27
Доходность FCF, %						-0.556									-0.5560	0.00

	2016Q2	2016Q3	2016Q4	2017Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
ROE, %					1.44	1.4	1.17	0.5979	0.0795	1.31		1.45		2.81		2.98		3.12		13.90	2.33	18.95
ROA, %					0.1671	0.1634	0.1524	0.0753	0.0093	0.1552		0.1747		0.5156		0.276		0.2776		2.81	0.2798	12.33
ROS, %										10.12	11.89	10.8	12.01	14.82	15.39	15.13	10.54	15.55	14.18	59.51	14.16	-1.62
Чистая рентаб, %										10.12	11.89	10.8	12.01	14.82	15.39	15.13	10.54	15.55	14.18	59.51	14.16	-1.62
Operation Margin, %	39.31	40.12	42.54	35.8																13.65	39.44	-2.31

Coefficients

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E			44.71		26.33	11.28	23.84		9.2	11.63		11.63	29.43	16.46	-15.08
P/BV			4.38		3	0.5342	0.9967	0.6562	0.6252	0.9877		0.9877	3.11	0.7600	13.08
P/S			10.94		5.71	0.9599	2.04	1.25	1.15	1.63		1.63	12.16	1.41	11.17
P/FCF					-179.85				-0.8854	2.1	2.1	2.1	5.80	-44.1339	-132.87
E/P			0.0224		0.038				0.0921	0.1262	0.1262	0.1262	0.10	0.0810	41.31
EV/EBIT										0	0	0
EV/S			28.3			2.22			1.8	1.69	1.69	1.69	8.38	7.14	-43.09
EV/FCF						-2.42			-1.18	3.19	3.19	3.19	-6.20	0.6950	-207.15
Debt/EBITDA									0	0	0	0	1.02
Netdebt/Ebitda									0	0	0	0	0.86
Debt/Ratio	0.2823	0.3228	0.5381	0.3279		0.1911	0.1116		0.1151	0.0963	0.0963	0.0963	0.24	0.1221	-12.81
Debt/Equity	2.55	3.92	7.05	3.68		1.61	0.8863		22.29	22.28	22.28	22.28	238.79	13.87	69.13
Debt/Net Income	55.43	42.23	72.05	35.72		34	21.2		14.49	10.58	10.58	10.58	12.31	18.17	-20.82
peg											2.67	2.67		2.67	0.00
Бета									1.33	4.53	-0.1629	-0.1629	1.47	1.90	-149.66
Индекс Альтмана									0.253	0.9062	0.9062	0.9062	1.07	0.6885	53.00

	2016Q3	2016Q4	2017Q1	2019Q4	2021Q1	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2024Q1	2025Q1	Industry average	5 quarters average	CAGR 5
P/E		105.08		217.05	166.68	135.48	32.83	19.15	17.4	17.47	14.67		29.43	20.30	-14.88
P/BV		3.36		1.37	0.9967	0.9483	0.6562	0.52	0.6252	1.01	0.9877		3.11	0.7598	8.52
P/S		28.92		9.76	7.47	3.56	1.68	2	2.25	2.4	2.23		12.16	2.11	5.83
E/P		0.0095		0.0046									0.10	0.0070	-30.41
EV/S										9.27	6.46		8.38	7.87	-16.52
Debt/Ratio	0.3788		0.2622										0.24	0.3205	-16.80
Debt/Equity	3.86		2.94										238.79	3.40	-12.73
Debt/Net Income	172.99		98.06										12.31	135.53	-24.71
Бета												-0.1629	1.47	-0.1629	0.00
Индекс Альтмана												0.9062	1.07	0.9062	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.1777	0.3667	0.5868	0.8294	0.8294	0.8876	1.92		0.9003		0.9003		1.07	1.65
Дивиденд				1.8	2.1	2.7	1.5		1.5	1.5	1.5		1.86	-6.51
Див доход, ао, %				0.3589	0.394	0.537	0.742	0.8413	0.6425	1.42	1.42	1.41	0.8366	21.47
Дивиденды / прибыль, %	19.17	17.7	20.06	18.56	13.13	10.35	38.34		9.79	7.15	7.15	17.81	15.75	-11.45

	2017Q3	2018Q3	2019Q3	2020Q1	2023Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд			1.39	2.31	0.9003		1.53	-13.48
Дивиденд	1.8	2.1	2.7	1.5	1.5		1.92	-3.58
Див доход, ао, %	0.3432	0.3633	0.619	0.5221	0.6741	1.41	0.5043	14.46
Дивиденды / прибыль, %			260.61	201.31	27.19	17.81	163.04	-52.92

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	18988	18988	0.00

	CAGR 5

	CAGR 5