RBLBANK.NS
Key Ratios

Net Profit Margin: Making moderate profit when compared with its revenue which generally means a slow or stable business or a small company who just started making profit

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: NA

Debt to Equity Ratio: Company has moderate debt when compared to its equity which means it would be just able to pay its debt with the equity

P/E Ratio: Undervalued stock and low growth is expected as company’s stock price is very closer to its earnings per share

Performance Graph
Financial Ratios
Ratio Value
PE Ratio7.53
Net Profit Margin0.14
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio0.00
Debt to Equity1.00
Key Ratios

Net Profit Margin: Making moderate profit when compared with its revenue which generally means a slow or stable business or a small company who just started making profit

Return on Assets: NA

Return on Equity: Very low income of the company when compared with its equity, which means inefficient equity

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin0.14
Return on Assets0.00
Return on Equity0.08
Performance Graph
Key Ratios

Acid Test Ratio: NA

Current Ratio: NA

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio0.00
Current Ratio0.00
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: NA

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio0.00
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has moderate debt when compared to its equity which means it would be just able to pay its debt with the equity

Interest Coverage Ratio: NA

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio1.00
Interest Coverage Ratio0.00
Performance Graph
Key Ratios

P/E Ratio: Undervalued stock and low growth is expected as company’s stock price is very closer to its earnings per share

Dividend Yield: NA

Performance Graph
Market Ratios
Ratio Value
P/E Ratio7.53
Gross Profit Margin0.00
Price to Book Ratio0.64
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of RBL Bank Limited

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 1384540000000 1158060000000 1061630000000
Total Non Current Assets - - -
Other Non Current Assets - - -
Non Current Prepaid Assets - - -
Non Current Deferred Taxes Assets - - -
Financial Assets - - -
Investment In Financial Assets 294721000000 285845000000 219879000000
Held To Maturity Securities - - -
Available For Sale Securities 491893000 997188000 1501081000
Financial Assets Fair Value - - -
Long Term Equity Investment 56828000 1457202000 1412543000
Investments In Associates At Cost - - -
Goodwill And Other Intangible Assets 406776000 406776000 406776000
Other Intangible Assets - - -
Goodwill 406776000 406776000 406776000
Net Ppe 5578953000 5984926000 5784227000
Accumulated Depreciation -11305237000 -9797119000 -8314372000
Gross Ppe 16884190000 15782045000 14098599000
Construction In Progress 73336000 452960000 815481000
Other Properties 16291503000 14809792000 12763825000
Machinery Furniture Equipment - - -
Buildings And Improvements - - -
Land And Improvements - - -
Properties 519351000 519293000 519293000
Current Assets - - -
Other Current Assets - - -
Hedging Assets Current - - -
Assets Held For Sale Current - - -
Restricted Cash - - -
Prepaid Assets 1026416000 113260000 496561000
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables - - -
Taxes Receivable - - -
Accounts Receivable - - -
Allowance For Doubtful Accounts Receivable - - -
Gross Accounts Receivable - - -
Cash Cash Equivalents And Short Term Investments - - -
Other Short Term Investments - - -
Cash And Cash Equivalents 144234000000 85271866000 175573000000
Cash Equivalents 7589855000 2465100000 5305475000
Cash Financial 2775460000 3166867000 2932299000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt 4838472000 34592763000 -
Total Debt 149073000000 119865000000 113603000000
Total Liabilities Net Minority Interest 1236160000000 1022800000000 936321000000
Total Non Current Liabilities Net Minority Interest - - -
Other Non Current Liabilities - - -
Derivative Product Liabilities - - -
Non Current Pension And Other Postretirement Benefit Plans - - -
Trade And Other Payables Non Current - - -
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - - -
Long Term Debt And Capital Lease Obligation 149073000000 119865000000 113603000000
Long Term Capital Lease Obligation - - -
Long Term Debt - - -
Long Term Provisions - - -
Current Liabilities - - -
Other Current Liabilities - - -
Current Deferred Taxes Liabilities - - -
Current Debt And Capital Lease Obligation - - -
Current Capital Lease Obligation - - -
Current Debt - - -
Pension And Other Post Retirement Benefit Plans Current - - -
Current Provisions - - -
Payables 7574045000 4731453000 3327918000
Other Payable - - -
Dividends Payable - - -
Total Tax Payable - - -
Accounts Payable 7574045000 4731453000 3327918000
Common Stock Equity 148374000000 135257000000 125305000000
Total Capitalization 297447000000 255121000000 238908000000
Total Equity Gross Minority Interest 148374000000 135257000000 125305000000
Minority Interest - - -
Stockholders Equity 148374000000 135257000000 125305000000
Other Equity Interest 1176947000 749844000 105503000
Treasury Stock - - -
Retained Earnings 2430742000 1752377000 -1231667000
Additional Paid In Capital 89499219000 88604189000 88597664000
Capital Stock 6050999000 5995681000 5995138000
Common Stock 6050999000 5995681000 5995138000

Income statement interpretation for RBL Bank Limited

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 89721515000 74377883000 66481300000
Operating Revenue 89721515000 74377883000 66481300000
Cost Of Revenue - - -
Gross Profit - - -
Ebitda - - -
Ebit - - -
Operating Income - - -
Net Income 12598913000 9195444000 -1661500000
Net Income From Continuing Operation Net Minority Interest 12598913000 9195444000 -1661500000
Net Income From Continuing And Discontinued Operation 12598913000 9195444000 -1661500000
Net Income Common Stockholders 12598913000 9195444000 -1661500000
Net Income Including Noncontrolling Interests 12598915000 9195400000 -1661500000
Net Income Discontinuous Operations - - -
Net Income Continuous Operations 12598915000 9195400000 -1661500000
Normalized Income 12594431909 9198299443 -1661500000
Normalized Ebitda - - -
Total Unusual Items 4797000 -3792000 -
Total Unusual Items Excluding Goodwill 4797000 -3792000 -
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 2345201000 2130908000 1801700000
Reconciled Cost Of Revenue - - -
Total Expenses - - -
Operating Expense 59803197000 53161891000 39942300000
Other Operating Expenses 33892340000 29542741000 26618800000
Depreciation And Amortization In Income Statement 2345201000 2130908000 1801621000
Amortization - - -
Depreciation Income Statement 2345201000 2130908000 1801621000
Selling General And Administration 789055000 1026185000 675950000
Selling And Marketing Expense 495728000 780270000 414010000
General And Administrative Expense 293327000 245915000 261940000
Rent And Landing Fees 2788492000 2689353000 2399422000
Tax Provision 888200000 3016000000 -403500000
Pretax Income 13487115000 12211400000 -2065000000
Other Non Operating Income Expenses - - -
Special Income Charges 4797000 -3792000 -
Other Special Charges -4797000 3792000 3011000
Write Off - - -
Net Non Operating Interest Income Expense - - -
Total Other Finance Cost - - -
Interest Expense Non Operating - - -
Interest Income Non Operating - - -
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 20.54 15.27 -2.77
Basic Eps 20.94 15.34 -2.77
Diluted Ni Avail To Com Stockholders 12598913000 9195444000 -1661500000
Net Income From Continuing Operations 13487121000 12211492000 -2065000000
Minority Interests - - -

Cash flow analysis for RBL Bank Limited

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow 49549815000 -110312000000 64489100000
Changes In Cash 56043205000 -90301066000 60755800000
Taxes Refund Paid -1973967000 -2329898000 -1638800000
Change In Working Capital 13817307000 -136706000000 34195800000
Change In Other Current Liabilities 16050182000 7553295000 -4496700000
Change In Other Current Assets -21446898000 -19811598000 -7224300000
Change In Payable - - -
Change In Inventory - - -
Change In Receivables - - -
Other Non Cash Items - - -
Stock Based Compensation 603842000 668191000 99200000
Provision And Write Off Of Assets 20171910000 13023793000 31647400000
Depreciation And Amortization 2345201000 2130908000 1801700000
Amortization Cash Flow - - -
Depreciation 2345201000 2130908000 1801700000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow -1934586000 -2335497000 -2640300000
Net Other Investing Changes - - -
Interest Received Cfi - - -
Dividends Received Cfi - - -
Net Investment Purchase And Sale - - -
Sale Of Investment - - -
Purchase Of Investment - - -
Net Business Purchase And Sale - - -
Sale Of Business - - -
Purchase Of Business - - -
Net Ppe Purchase And Sale -1934586000 -2335497000 -2640300000
Sale Of Ppe 101781000 107808000 67700000
Purchase Of Ppe -2036367000 -2443305000 -2708000000
Net Intangibles Purchase And Sale - - -
Purchase Of Intangibles - - -
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow 8427976000 22346896000 -1093000000
Net Other Financing Charges - - -
Interest Paid Cff - - -
Cash Dividends Paid -900348000 - -
Common Stock Dividend Paid -900348000 - -
Net Common Stock Issuance 793246000 7068000 190800000
Common Stock Payments - - -
Common Stock Issuance 793246000 7068000 190800000
Repurchase Of Capital Stock - - -
Repayment Of Debt - - -
Issuance Of Debt - - -
Issuance Of Capital Stock 793246000 7068000 190800000
Net Issuance Payments Of Debt 8535078000 22339828000 -1283800000
Net Short Term Debt Issuance - - -
Short Term Debt Issuance - - -
Net Long Term Debt Issuance 8535078000 22339828000 -1283800000
Long Term Debt Payments - - -
Long Term Debt Issuance - - -
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of RBLBANK.NS (RBL Bank Limited)

Above is the summary for fundamental analysis of RBL Bank Limited , whose ticker name is RBLBANK.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The RBL Bank Limited which is listed in NSE (National Stock Exchange) has a PE ratio of 7.53, RBLBANK.NS has a net profit margin of 0.14, the acid test ratio for RBLBANK.NS is 0.00, RBLBANK.NS has an inventory turnover of 0.00, and RBLBANK.NS has debt-to-equity ratio of 1.00.

The RBLBANK.NS whose company name is RBL Bank Limited has made profit/loss of 0 with total revenue of 89721515000, RBLBANK.NS has assets worth of 1384540000000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

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  • Search for the stock that you want to analyze in the search bar by typing the name of the company or ticker.
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  • On the “Fundamental Analysis” page, the first tab is for “Summary and Ratio,” where in the top section you can find the overall summary of the stock’s fundamental analysis, where on the leftmost side it has a textual summary, then in the middle a gauge chart that represents overall financial health, and then a list of important ratios.
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  • Then in the same “Summary and Ratio” tab, we have included a detailed analysis of stock in various aspects, which includes “Profitability Analysis,” “Liquidity Analysis,” “Efficiency Analysis,” “Coverage Analysis,” Solvency Analysis,” and “Market Analysis,” which divide the stock’s fundamentals into the above aspects and analyze each in the same format as for overall analysis, where the leftmost side has a textual summary, then in the middle a gauge chart that represents overall analysis of the particular section, and then a list of important ratios. Required for the particular analysis.
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