Arthneeti

RBL Bank Q2 FY27 Share Price & Earnings Call Analysis

₹360.90+3.13% today
Market cap
₹56,022 Cr
P/E
47.52
ROE
5.11%
PEG
-20.38
Price to sales
3.61
Debt to equity
3.93
52W high / low
₹428 / ₹289
Sales growth (5Y)
11.47%
EBITDA margin
37.19%
Net profit margin
5.74%
Promoter holding
59.88%
Sales (last year)
₹15,549 Cr

Incorporated in 1943,RBL Bank is a banking company engaged in providing specialized services under five business verticals namely: Corporate Banking, Commercial Banking, Branch & Business Banking, Retail Assets and Treasury & Financial Markets Operations.[1][2]

Guidance scorecard · Q2 FY27 call

What RBL Bank's management guided
and where it ranks in Banks

#4of 28 in
Banks
Revenue20–40%MarginsFlatCapexPlannedFundraisingWhat management saidOrder bookWhat management said

RevenueQ2 FY27 call

20–40%
  • Loan growth baseline for FY27 and beyond is expected between 22% to 25% year-on-year, with quarterly growth around 5-6%.
  • Unsecured loan growth projected at high single digits to low double digits next year, with overall loan growth in early to mid-20s percentage.
  • Credit card business is expected to stop de-growing and grow at low double-digit or high single-digit growth rates in FY27.
  • Microfinance growth expected at strong 25% year-on-year but sequential growth of about 5-6%, primarily driven by PSL (Priority Sector Lending) requirements.

2 more points from RBL Bank's call on revenue

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Full Q2 FY27 analysis

MarginsQ2 FY27 call

Flat

See what RBL Bank said on margins — free account, 30 seconds.

Full Q2 FY27 analysis

CapexQ2 FY27 call

Planned
  • RBL Bank is investing in distribution infrastructure including branches, people, and technology to strengthen presence in relevant geographies.
  • Early steps are being taken to invest in a wealth proposition for customers, indicating strategic focus on wealth business.
  • Approximately 30 to 50 branches are planned to be opened each quarter to expand retail franchise and enhance deposit growth.

2 more points from RBL Bank's call on capex

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Full Q2 FY27 analysis

FundraisingQ2 FY27 call

See what RBL Bank said on fundraising — free account, 30 seconds.

Full Q2 FY27 analysis

Order bookQ2 FY27 call

Ask what RBL Bank said on the order book →

Full Q2 FY27 analysis
Full Banks ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Banks
on management's own guidance

  1. AU Small FinanceGood growth
    2
  2. Canara BankGood growth
    1
  3. IDFC First BankGood growth
    3
See all potential multibaggersWhere does RBL Bank rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Banks companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
1Canara Bank20–40%Flat₹1.07L Cr5.3
2AU Small Finance20–40%Flat₹74,341 Cr26.0
3IDFC First Bank20–40%Flat₹67,332 Cr29.9
4RBL BankThis stock20–40%Flat₹58,716 Cr49.8
520–40%Flat₹13,576 Cr9.4
620–40%Flat₹6,759 Cr8.6

Sign up free to see every company in the sector ranking and track RBL Bank.

Pro shows every company guiding 40%+ revenue growth →Full Banks ranking

RBL Bank announcements

All announcements →

Financials of RBL Bank

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of RBL Bank

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +2,6422,8563,0083,1913,3393,4963,5313,5363,4763,4413,5073,6673,720
Interest1,2851,4341,5331,6461,7391,7961,9161,9511,9131,9601,9572,0102,049
Expenses +1,6721,7262,0892,0162,0022,0132,2512,8512,4872,2902,2552,4342,463
Financing Profit-315-304-614-470-402-313-636-1,266-924-809-704-777-792
Financing Margin %-12%-11%-20%-15%-12%-9%-18%-36%-27%-24%-20%-21%-21%
Other Income +6746857047788758059271,0731,0001,0699331,0501,069
Depreciation0000000000000
Profit before tax35938191307473493292-19276261229273277
Tax %25%24%-224%24%25%25%24%-117%10%23%22%22%17%
Net Profit +2712882942333533722233369200179214230
EPS in Rs4.524.804.893.875.836.133.660.541.133.292.913.473.72
Gross NPA %3.37%3.22%3.12%3.12%2.65%2.69%2.88%2.92%2.60%2.78%2.32%1.88%1.45%
Net NPA %1.10%1.00%0.78%0.80%0.74%0.74%0.79%0.53%0.29%0.45%0.57%0.55%0.39%

Financials of RBL Bank

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +1,9532,7443,7134,5086,3018,5148,3298,1769,67712,39414,03914,336
Interest1,3971,9252,4922,7413,7614,8854,5414,1494,6786,3517,5767,976
Expenses +6278331,2341,7812,5614,6494,8246,3186,1117,6199,3829,441
Financing Profit-70-14-12-15-21-1,019-1,037-2,292-1,113-1,576-2,919-3,082
Financing Margin %-4%-1%-0%-0%-0%-12%-12%-28%-12%-13%-21%-22%
Other Income +4034917551,0681,4421,9101,8842,3412,4893,0433,8064,121
Depreciation334862871221381581641962152190
Profit before tax3004286819671,299753689-1151,1801,2526681,040
Tax %31%32%35%34%33%33%26%-35%25%7%-4%21%
Net Profit +207292446635867506508-758831,168695822
EPS in Rs7.069.0111.8915.1320.329.948.49-1.2514.7219.3011.4413.31
Dividend Payout %17%17%15%14%13%15%0%0%10%8%9%8%

Financials of RBL Bank

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital293325375420427509598600600605608618
Reserves1,9362,6643,9606,2647,12110,07412,06512,01912,97714,19114,99915,812
Deposits17,09924,34934,58843,90258,39457,81273,12179,00784,887103,494110,944139,018
Borrowing6,96310,5367,9809,26111,83217,00711,22611,09313,33114,18413,73416,794
Other Liabilities +8121,2871,7712,0032,5853,5763,6413,4914,0825,9586,4418,443
Total Liabilities27,10439,16148,67561,85180,35988,978100,651106,209115,876138,432146,725180,685
Fixed Assets +153158224303363408442467529525570566
CWIP101935314062248245770
Investments9,79214,43613,48215,44816,84018,15023,23022,27428,87529,57632,16532,078
Other Assets +17,14824,54834,93446,06963,11670,35876,95483,38686,427108,324113,984148,041
Total Assets27,10439,16148,67561,85180,35988,978100,651106,209115,876138,432146,725180,685

Financials of RBL Bank

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-2,261-4,3843,434-2,528-31-5,0847,5976,449-11,0444,935-8427,577
Cash from Investing Activity +-58-60-142-162-190-206-157-246-223-172-263-223
Cash from Financing Activity +3,0764,040-1,6562,9952,5677,698-4,207-1142,239842-5033,159
Net Cash Flow757-4051,6353052,3452,4083,2336,090-9,0285,605-1,60810,513
Free Cash Flow-2,319-4,4453,291-2,690-221-5,2907,4406,203-11,2674,763-1,1057,354
CFO/OP-163%-222%147%-79%15%-123%226%356%-303%107%-14%158%

Financials of RBL Bank

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %10%11%12%12%12%6%4%-1%7%8%5%5%

Guidance history

How RBL Bank's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q2 FY27 call →20–40%FlatPlanned——
Q1 FY27 call →20–40%FlatPlanned—Rising
Q3 FY26 call →20–40%FlatPlannedPlanned—

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

32out of 100

Momentum score · price trend

32 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months+11.5%69%
Last 6 months+7.2%64%
Last 3 months−4.5%55%

The price is 47.5% below its all-time high of ₹687.35 (31 May 2019). Stocks more than 20% below their peak have their score halved, so 64 became 32.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For RBL Bank: 0.4 × 69 + 0.4 × 64 + 0.2 × 55 = 64, halved to 32 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What RBL Bank's management said in earlier quarters

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