RBL Bank Ltd.
NSE: RBLBANKRBL Bank Ltd.: A 30-second snapshot
RBL Bank (RBLBANK) trades at ₹338.10, up 63.34% over the past 12 months and within 3.37% of its 52-week high, with the price above both the 50-DMA (₹314.88) and 200-DMA (₹299.80). Q4 FY26 profit was reported 234% higher year-on-year, with a trailing PE of 23.98 and a forward PE of 17.82. Despite the sharp price recovery, the 5-year consistency score stands at 9/100, with zero years of ROE above 15% and FCF positive in only 2 of available years.
P/E
24.0
Forward P/E
17.8
ROE
—
Debt / Equity
—
Profit Margin
+9.1%
Div. Yield
+0.3%
5Y ROE > 15%
0/5
5Y FCF > 0
2/5
Quality
54/100
News
7 headlines · 3 positive · 0 negative
RBL Bank Increases Paid-Up Capital with New ESOP Share Allotment - The Globe and Mail
The Globe and Mail
RBLBANK: Strong growth in advances and deposits, improved asset quality, and capital infusion to drive future gains - TradingView
TradingView
RBLBANK: Q4 FY26 profit jumped 234% YoY, with improved asset quality and strong digital growth - TradingView
TradingView
Number of shareholders of RBL Bank Ltd. – NSE:RBLBANK - TradingView
TradingView
RBL Bank Publishes Audited FY26 Results in Line with SEBI Norms - The Globe and Mail
The Globe and Mail
Recent context
- ·Q4 FY26 profit growth of 234% YoY was accompanied by improved asset-quality metrics and digital growth, per filings published in line with SEBI norms as reported in late April 2026.
- ·RBL Bank allotted new shares under its ESOP scheme in May 2026, increasing paid-up capital — a dilutive event, though the size relative to total capital is not quantified in available news.
- ·News sentiment across 7 articles is 3 positive, 4 neutral, and 0 negative over the recent window, with no adverse regulatory or credit-quality headlines in the set.
Strengths
- +Quality score of 57 ranks RBLBANK 1st among the 6 Banking-sector peers in this peer set (AXISBANK 53, BAJFINANCE 53, HDFCBANK 47, BAJAJFINSV 23, HDFCLIFE 20).
- +5-year revenue growth of 40.8% indicates meaningful top-line expansion over the cycle, supported by the Q4 FY26 headline of 234% YoY profit growth and improved asset quality per recent filings.
- +Technical posture: RSI at 57.35 (neutral), price above both short- and long-term moving averages, and a 52-week drawdown of only -3.37% — among the tightest in recent history for this stock.
- +Mean analyst rating of 2.33 across 18 analysts (1–5 scale, lower = more constructive), placing consensus closer to the constructive end of the scale.
Weaknesses
- −The consistency score of 9/100 with zero years of ROE above 15% flags structurally thin and irregular returns on equity — the most material quality concern given this is a banking business where sustained ROE is the primary value driver.
- −FCF has been positive in only 2 of the available years with a rising debt trend, raising questions about the bank's capital generation durability across credit cycles.
- −5-year earnings growth of 367.9% is extreme and paired with a consistency score of 9/100, indicating growth is concentrated in isolated recovery quarters rather than reflecting steady compounding — the two figures together suggest a volatile earnings base.
- −ROE is unreported in the current data set, preventing direct capital-efficiency comparison against Banking peers whose ROEs range from 11.28% to 17.91%.
Open questions
- ?Does the 234% YoY profit jump in Q4 FY26 reflect a one-time recovery in credit costs or a structural improvement in the bank's underwriting and provisioning cycle?
- ?Given a consistency score of 9/100 and zero years of ROE above 15% over five years, what would need to change in the business model for returns on equity to sustain above the cost of capital?
- ?How does the rising debt trend interact with the bank's capital adequacy ratios, and what is the trajectory of those ratios relative to RBI-mandated minimums?
- ?With RBLBANK trading at a PE premium to AXISBANK (23.98 vs 14.73) and HDFCBANK (23.98 vs 17.12), what earnings-growth scenario is embedded in the current valuation?
Peer comparison: Banking
Ranks 1 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| RBLBANK | RBL Bank Ltd.You're viewing | 24.0 | — | 57 |
| Industry avg | across 5 peers | 31.7 | +14.2% | 39 |
| AXISBANK | Axis Bank Ltd. | 14.7 | +13.2% | 53 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.9 | +17.9% | 53 |
| HDFCBANK | HDFC Bank Ltd. | 17.1 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 28.3 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 68.5 | +11.3% | 20 |
Technical state
Current price
₹338.10
SMA 50
₹314.88
SMA 200
₹299.80
RSI (14)
57.4 (neutral)
From 52w high
-3.4%
1Y return
+63.3%
3M return
+9.5%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- highConsistency score of 9/100 with zero years of ROE above 15% and FCF positive in only 2 of available years, combined with a rising debt trend — structural earnings-quality concerns that are especially material for a credit-cycle-sensitive bank.
- medium5-year earnings growth of 367.9% contrasts with a consistency score of 9/100, suggesting gains are concentrated in one or two recovery quarters rather than compounding steadily across the period.
- mediumROE is unreported; peer ROEs in the Banking sector range from 11.28% (HDFCLIFE) to 17.91% (BAJFINANCE), making capital-efficiency comparison against peers impossible with current data.
- lowNews set contains only 7 articles, limiting the breadth of recent catalyst context available for analysis.
Cross-section contradictions
- Stock is up 63.34% over 12 months and within 3.37% of its 52-week high, trading above both the 50-DMA (₹314.88) and 200-DMA (₹299.80) — yet the consistency score stands at 9/100 with zero years of ROE above 15% and FCF positive in only 2 of available years. Price strength is substantially disconnected from the underlying earnings-quality persistence profile.
- 5-year earnings growth of 367.9% and a 5-year consistency score of 9/100 describe the same stock in contradictory ways: the former implies strong compounding, while the latter implies earnings have been sporadic or concentrated in isolated recovery periods.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 17 May 2026 · rotates through NIFTY 500 every ~5 days