RBL Bank Limited

NSE
RBLBANK
Stock
Yield per half year: +28.9%
Dividend yield: 1.42%
Sector: Financials

Reporting RBL Bank Limited

Capitalization

2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Капитализация, млрд ₹
130.81 198.42 230.69 225.05 113.34 123.19 75.34 120.97 99.84 131.58 -11.68
Выручка, млрд ₹
13.09 19.76 28.47 39.29 58.26 61.7 66 73.78 89.72 89.72 69.89 9.02
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 ₹
280.26 268.27 319.54 291.7 196.43 104.01 20.09 132.99 4.46 4.46 91.60 -53.09
EBIT, млрд ₹
23.53 29.39 37.07 50.46 6.01 5.42 -3.06 12.21 0.0001 0.0001 4.12 -88.93
EBITDA, млрд ₹
24.01 30 37.96 51.72 7.47 7.12 -1.26 14.34 2.35 2.35 6.00 -20.65
OIBDA, млрд ₹
9.95 8.93 -2.66 15.23 19.66 19.66 10.22 14.59
Баланс стоимость, млрд ₹
29.88 43.36 66.81 75.35 105.65 126.66 125.3 135.26 148.37 148.37 128.25 7.03
FCF, млрд ₹
-44.47 32.89 -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 34.34 -25.56 0.7824 -51.73 76.31 64.49 -110.31 30.34 30.34 1.82 -189.88
Операционная прибыль, млрд ₹
23.53 29.39 37.07 50.46 6.01 5.42 -3.06 10.08 29.92 29.92 9.67 37.85
Операционные расходы, млрд ₹
7.67 10.56 15.52 21.01 30.76 30.72 40.02 51.35 59.8 59.8 42.53 14.22
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


Balance sheet

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд ₹
24.5 41.94 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 8.3 -68.08 -84.03 128.23 59.27 0 0 8.74 48.17
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 ₹
6.47 9.26 15.63 19.46 17.55 18.23 19.49 28.63 39.25 39.25 24.63 17.47
Total Current Assets ₹
30.97 51.2 461.22 631.96 20.51 50.4 47.34 26.01 155.43 155.43 59.94 49.94
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 ₹
391.6 486.76 618.77 803.98 889.83 1 006.19 1 061.63 1 158.06 1 384.54 1 384.54 1100.05 9.24
Short Term Debt ₹
68.59 31.99 39.33 14.82 1.61 2.98 2.88 3.83 4.22 4.22 3.10 21.25
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 ₹
361.72 443.39 551.78 728.63 784.19 879.53 936.32 133.32 1 236.16 1 236.16 793.90 9.53
Чистый долг, млрд ₹
186.23 40.4 46.89 53.83 74.15 -19.45 -61.97 48.05 -144.23 -144.23 -20.6900 -214.23
Долг, млрд ₹
173.95 111.79 131.94 133.14 171.68 115.24 113.86 137.15 141.85 141.85 135.96 -3.75
Interest income ₹
37.13 45.61 63.02 87.79 85.61 84.45 95.5 83.27 8.67
Расходы на обслуживание долга ₹
19.25 24.92 27.41 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, млрд ₹
0.1829 0.4068 0.4068 0.4068 0.4068 0.4068 0.4068 0.00
Амортизация, млрд ₹
0.4836 0.615 0.8874 1.26 1.46 1.7 1.8 2.13 2.35 2.35 1.89 9.99
Себестоимость, млрд ₹
-0.251 -0.2346 -0.2346 -0.2428 -3.32
Товарно материальные запасы ₹
-27.74 -45.84 0.5913 0.4004 -615.37 -635.55 678.06 123.24 159.96 159.96 -57.9320 -176.38


Share

2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 2.28 12.51 15.78 20.28 11.31 9.48 -2.77 15.27 20.54 20.54 10.77 12.68
Цена акции ао 510.1 575.6 344.85 231.05 127.15 179.4 279.3 158 220.23 220.23 192.82 11.61
Число акций ао, млн 393.55 395.53 432.64 449.26 560.61 602.03 598.95 602 613.44 613.44 595.41 1.82
FCF/акцию -113 83.16 -63.02 -2.8 -96.31 123.79 103.15 -187.3 77.45 77.45 4.16 -195.73


Efficiency

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 9.79 10.3 9.46 11.39 4.73 4.18 -1.32 7.06 8.88 8.88 16.86 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 4.25 0.5494 12.01
ROIC, % 1.57 2.73 1.72 3.41 3.6 4.63 2.64 3.71 3.71 9.97 3.60 1.70
ROS, % 22.61 22.19 21.83 8.59 8.58 -2.52 12.46 14.04 14.04 14.04 55.32 9.32 10.35
ROCE, % 67.77 55.34 66.97 5.69 4.28 -0.2891 1.47 1.0E-5 6.7E-5 6.7E-5 24.13 1.09 -89.06
Ebit margin, % 12.83 11.52 -4.64 16.55 0.00011 0.00011 0.00011 59.28 4.69 -90.09
Рентаб EBITDA, % 151.83 133.34 131.64 12.83 11.54 -1.91 19.44 2.61 2.61 2.61 61.72 6.86 -25.72
Чистая рентаб, % 22.35 22.61 22.19 21.83 8.59 8.58 -2.52 12.46 14.04 14.04 55.32 8.23 10.33
Operation Margin, % 148.71 130.22 128.43 10.32 8.79 -4.64 13.66 33.35 33.35 33.35 56.13 16.90 30.56
Доходность FCF, % -34 16.58 -11.82 -0.5581 -47.64 60.5 82.01 -93.21 0.2204 178.32


Coefficients

2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
44.72 44.41 36.52 26.23 22.66 23.27 -45.34 9.24 11.8 11.8 36.28 4.33 -12.23
P/BV
4.38 4.58 3.45 2.99 1.07 0.9726 0.6548 0.0829 1 1 3.47 0.7561 -1.34
P/S
9.99 10.04 8.1 5.73 1.95 2 1.24 1.15 1.66 1.66 11.12 1.60 -3.17
P/FCF
6.03 -8.46 -179.19 -2.1 1.65 1.22 -1.07 2.1 2.1 2.1 9.16 1.20 4.94
E/P
0.0225 0.0274 0.0381 0.0441 0.043 -0.0221 0.076 0.1262 0.1262 0.1262 0.14 0.0699 24.03
EV/EBIT
16.68 13.51 -6.57 10.89 45097.24 45097.24 45097.24 166.14 18042.46 406.64
EV/EBITDA
11.67 8.94 8.42 5.64 26.28 14.61 -15.97 9.27 1.9 1.9 38.04 7.22 -40.87
EV/S
13.58 11.22 7.42 3.37 1.69 0.3043 1.8 0.0498 0.0498 0.0498 13.61 0.7788 -50.58
EV/FCF
8.16 -11.72 -232.27 -3.64 1.4 0.3251 -1.18 0.094 0.094 0.094 11.74 0.1466 -41.74
Debt/EBITDA
3.73 3.48 2.57 22.97 16.19 -90.52 9.56 60.48 60.48 60.48 17.17 11.24 30.16
Netdebt/Ebitda
1.35 1.24 1.04 9.92 -2.73 49.27 3.35 -61.5 -61.5 -61.5 -0.25 -14.6220 86.44
Debt/Ratio
0.2297 0.2132 0.1656 0.1929 0.1145 0.1072 0.1184 0.1025 0.1025 0.1025 0.30 0.1090 -2.19
Debt/Equity
2.58 1.98 1.77 1.62 0.9098 0.9087 1.01 0.956 8.33 8.33 7.29 2.42 55.72
Debt/Net Income
25.02 20.89 15.52 34.32 21.77 -68.53 14.92 11.26 11.26 11.26 13.96 -1.8640 -12.35
PEG
-0.7143 -0.7143 17.94 -0.7143 0.00
Бета
1.33 4.54 7.55 7.55 2.67 4.47 78.39
Индекс Альтмана
0.7844 0.7536 0.6583 0.2937 0.0862 0.0852 0.3097 0.2036 0.1605 0.1605 1.01 0.1690 13.24


Dividends

2013 2014 2015 2016 2017 2018 2019 2020 2021 2023 2024 2025 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.0748 0.1777 0.4384 0.5868 0.8294 0.8294 1.07 2.31 0.9003 0.9003 1.19 1.65
Дивиденд
1.8 2.1 2.7 1.5 1.5 1.5 1.5 1.86 -6.51
Див доход, ао, %
0.3588 0.3938 0.539 0.7419 0.8418 0.6424 1.42 1.42 1.35 0.8370 21.38
Дивиденды / прибыль, %
19.16 21.16 20.06 18.56 13.13 12.47 46.23 9.79 7.15 7.15 18.71 17.75 -11.45
Dividend Coverage Ratio
13.99 13.99 9.89 13.99 0.00


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Other

2020 2021 2022 2023 2024 LTM CAGR 5
CAPEX/Выручка, %
3.89 2.9 4.1 3.31 2.27 2.27 -10.21
Персонал, чел
18 988 18 988 0.00