RBL Bank Intrinsic Value
RBL Bank (RBLBANK) median intrinsic value is ₹207.95 from 10 valuation models (range ₹125–₹1040), vs current price ₹415.90 — -50.0% downside (Trading Above Calculated Value), margin of safety -100.0%. See RBLBANK P/B ratio to compare market price against book value per share.
RBLBANK Valuation Methods Summary — DCF, Graham Number & P/E
RBL Bank intrinsic value across 10 models vs current price ₹415.90 — upside/downside and value range per method. Check RBLBANK company valuation to track the company's total market size over time.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹190.08 | ₹152.06 - ₹228.10 | -54.3% | EPS: ₹15.84, Sector P/E: 12x |
| Book Value Method | asset | ₹216.49 | ₹194.84 - ₹238.14 | -47.9% | Book Value/Share: ₹270.61, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹310.10 | ₹279.09 - ₹341.11 | -25.4% | Revenue/Share: ₹310.10, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹166.36 | ₹149.72 - ₹183.00 | -60.0% | EBITDA: ₹1176.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹1039.75 | ₹831.80 - ₹1247.70 | +150.0% | CF Growth: 8.4%, Discount: 15% |
| PEG Ratio Method | growth | ₹124.77 | ₹112.29 - ₹137.25 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹130.52 | ₹117.47 - ₹143.57 | -68.6% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹207.95 | ₹187.16 - ₹228.75 | -50.0% | ROE: 5.8%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹310.56 | ₹279.50 - ₹341.62 | -25.3% | EPS: ₹15.84, BVPS: ₹270.61 |
| Dividend Yield Method | dividend | ₹124.77 | ₹112.29 - ₹137.25 | -70.0% | DPS: ₹1.00, Target Yield: 4.0% |
RBLBANK Intrinsic Value vs Market Price — All Valuation Models
RBL Bank fair value range ₹125–₹1040 vs current market price ₹415.90 across 10 valuation models. For current market price and key ratios, visit RBLBANK screener.
RBLBANK Intrinsic Value Analysis — Undervalued or Overvalued?
RBL Bank median intrinsic value ₹207.95, current price ₹415.90 — Trading Above Calculated Value by 50.0%, margin of safety -100.0%.
What is the intrinsic value of RBLBANK?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of RBL Bank (RBLBANK) is ₹207.95 (median value). With the current market price of ₹415.90, this represents a -50.0% variance from our estimated fair value.
The valuation range spans from ₹124.77 to ₹1039.75, indicating ₹124.77 - ₹1039.75.
Is RBLBANK undervalued or overvalued?
Based on our multi-method analysis, RBL Bank (RBLBANK) appears to be trading above calculated value by approximately 50.0%.
RBLBANK Financial Health — Key Ratios vs Industry Benchmarks
RBL Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.19 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 5.8% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 34.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.11x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
RBLBANK Cash Flow Quality — Operating & Free Cash Flow
RBL Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹7,578 Cr | ₹7,483 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹-829 Cr | ₹-967 Cr | Negative Cash Flow | 3/10 |
| 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 |