Loading…
Small private-sector Indian bank with a focus on retail, credit cards (co-branded with Bajaj Finserv) and MSME/microfinance lending.
Small private-sector Indian bank with a focus on retail, credit cards (co-branded with Bajaj Finserv) and MSME/microfinance lending.
Earns the gap between loan interest and deposit costs, with credit-card fees a larger share of income than at most banks. Unsecured lending to small businesses and microfinance borrowers carries higher credit losses. Cards are issued in partnership with firms such as Bajaj Finserv, which bring customers in exchange for sharing the economics.
Moat: none. A smaller private bank with limited scale and no clear structural advantage against larger, better-capitalized rivals.
Headquarters: Mumbai, India · Founded: 1943 · Employees: 13,146
Size RBL Bank (RBLBANK.NS) is an India Financials company (Major Banks) with a market value of $6.21B, the 183rd largest of 1,058 India companies the cockpit tracks. Shares closed at ₹379.00 on 6 Nov 2026.
Performance Over six months the shares gained 9.6%, against +3.4% for the median peer and 0.0% for the India market (cap-weighted) — 5th highest of 21 in its peer set.
Growth Revenue grew 9.0% over the last twelve months (peer median +7.1%); the operating margin is 13.7% (peer median 38.1%).
Valuation It trades at 1.35× book value against a peer median of 1.06× (7th most expensive of 21).
Price implies The share price implies a return on equity of about 23.1%; RBL Bank delivers 4.0%, so the price asks more than the business earns today.
Next results Next results expected around 15 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹197B | ₹185B | ₹178B | ₹154B | ₹122B |
| Revenue growth | — | +4% | +15% | +27% | — |
| Net income | ₹12.0B | ₹8.79B | ₹7.17B | ₹12.6B | ₹9.20B |
| Free cash flow | n/a | ₹37.1B | ₹56.0B | ₹28.3B | ₹11.7B |
| Capital expenditure | n/a | ₹2.35B | ₹2.88B | ₹2.04B | ₹2.44B |
| Total debt | ₹134B | ₹334B | ₹264B | ₹267B | ₹238B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| RBL Bank RBLBANK.NS | $6.21B | +10% | +9% | 4% | 1.35× | 23.1% |
| IndusInd Bank INDUSINDBK.NS | $7.48B | -4% | -2% | 5% | 1.04× | 17.8% |
| Yes Bank YESBANK.NS | $5.72B | -24% | +5% | 8% | 1.01× | 15.3% |
| Federal Bank Ltd. (India) FEDERALBNK.NS | $8.81B | +14% | +11% | 13% | 1.97× | 27.7% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | RBLBANK.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -8.0% | +1.2% | 6th lowest of 21 |
| 6-month return | +9.6% | +3.4% | 5th highest of 21 |
| Return on equity | 4.0% | 10.0% | 2nd lowest of 21 |
| Price / book | 1.35× | 1.06× | 7th most expensive of 21 |
| Trailing P/E | 27.4× | 10.9× | most expensive of 21 |
| ROE the price implies | 23.1% | 10.6% | 2nd most demanding of 20 |
| ROE delivered | 4.0% | 10.0% | 2nd lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| RBL Bank RBLBANK.NS | India | $6.21B | +10% | +9% | 4% | 1.35× | 23.1% | 4.0% |
| Indian Overseas Bank IOB.NS | India | $6.23B | -13% | +14% | 18% | 1.46× | 17.2% | 17.9% |
| F.N.B FNB | United States | $6.28B | 0% | +2% | 9% | 0.92× | 8.9% | 9.0% |
| Bank of East Asia 0023.HK | Hong Kong | $6.03B | +27% | -9% | 3% | 0.44× | 5.2% | 3.2% |
| Bank of India BANKINDIA.NS | India | $6.68B | -1% | +9% | 14% | 0.67× | 12.5% | 14.1% |
| Yes Bank YESBANK.NS | India | $5.72B | -24% | +5% | 8% | 1.01× | 15.3% | 8.2% |
| Associated Banc-Corp ASB | United States | $5.64B | +6% | +23% | 10% | 1.07× | 9.3% | 10.2% |
| Bank of Maharashtra MAHABANK.NS | India | $7.08B | +2% | +17% | 23% | 1.79× | 26.2% | 23.3% |
| Grupo Aval Acciones y Valores SA Sponsored ADR Pfd AVAL | United States | $5.29B | -5% | +15% | 11% | 0.95× | 7.8% | 10.8% |
| Axos Financial AX | United States | $5.26B | +7% | +18% | 17% | 1.60× | 16.5% | 16.7% |
| St.Galler Kantonalbank SGKN.SW | Switzerland | $5.22B | +19% | -13% | 8% | 1.37× | n/a | 7.6% |
| Lion Finance BGEO.L | United Kingdom | $7.39B | +20% | +19% | 27% | 1.89× | 21.1% | 27.3% |
| Credito Emiliano CE.MI | Italy | $7.48B | +26% | -2% | 12% | 1.41× | 13.1% | 12.3% |
| IndusInd Bank INDUSINDBK.NS | India | $7.48B | -4% | -2% | 5% | 1.04× | 17.8% | 4.5% |
| Bank of Chongqing 601963.SS | China | $5.13B | +7% | +5% | 10% | 0.65× | 3.0% | 9.8% |
| Mebuki Financial 7167.T | Japan | $7.57B | +6% | +25% | 9% | 1.16× | 6.2% | 9.2% |
| Valley National Bancorp VLY | United States | $7.75B | +5% | +3% | 9% | 1.03× | 10.6% | 9.4% |
| Fukuoka Financial 8354.T | Japan | $7.75B | 0% | +22% | 9% | 1.08× | 7.0% | 8.7% |
| BOK Financial BOKF | United States | $7.87B | -2% | +3% | 11% | 1.33× | 10.6% | 11.2% |
| 77 Bank 8341.T | Japan | $4.66B | +7% | +21% | 9% | 0.95× | 5.9% | 9.4% |
| Huishang Bank 3698.HK | Hong Kong | $8.31B | -8% | +1% | 11% | 0.36× | 3.8% | 10.7% |