RBL Bank Intrinsic Value
RBLBANK • Banks
Current Stock Price
₹322.85
Primary Intrinsic Value
₹151.20
Market Cap
₹196.3K Cr
-36.1%
Downside
Median Value
₹206.18
Value Range
₹97 - ₹757
Assessment
Trading Above Calculated Value
Safety Margin
-56.6%
RBLBANK Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹151.20 | ₹120.96 - ₹181.44 | -53.2% | EPS: ₹12.60, Sector P/E: 12x |
| Book Value Method | asset | ₹206.18 | ₹185.56 - ₹226.80 | -36.1% | Book Value/Share: ₹257.73, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹292.24 | ₹263.02 - ₹321.46 | -9.5% | Revenue/Share: ₹292.24, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹129.14 | ₹116.23 - ₹142.05 | -60.0% | EBITDA: ₹980.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹756.60 | ₹605.28 - ₹907.92 | +134.4% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹96.86 | ₹87.17 - ₹106.55 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹103.82 | ₹93.44 - ₹114.20 | -67.8% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹270.31 | ₹243.28 - ₹297.34 | -16.3% | EPS: ₹12.60, BVPS: ₹257.73 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
RBLBANK Intrinsic Value Analysis
What is the intrinsic value of RBLBANK?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of RBL Bank (RBLBANK) is ₹206.18 (median value). With the current market price of ₹322.85, this represents a -36.1% variance from our estimated fair value.
The valuation range spans from ₹96.86 to ₹756.60, indicating ₹96.86 - ₹756.60.
Is RBLBANK undervalued or overvalued?
Based on our multi-method analysis, RBL Bank (RBLBANK) appears to be trading above calculated value by approximately 36.1%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.15 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 4.9% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 36.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.12x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for RBL Bank
Additional stock information and data for RBLBANK
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2024 | ₹4,955 Cr | ₹4,858 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-11,031 Cr | ₹-11,148 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹6,449 Cr | ₹6,317 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹7,631 Cr | ₹7,544 Cr | Positive Free Cash Flow | 8/10 |
| March 2020 | ₹-5,173 Cr | ₹-5,285 Cr | Negative Cash Flow | 3/10 |