RBL Bank Intrinsic Value
RBL Bank (RBLBANK) median intrinsic value is ₹190.08 from 9 valuation models (range ₹104–₹757), vs current price ₹345.00 — -44.9% downside (Trading Above Calculated Value), margin of safety -81.5%. Also explore RBLBANK stock price history to track price trends across different timeframes.
RBLBANK Valuation Methods Summary — DCF, Graham Number & P/E
RBL Bank intrinsic value across 9 models vs current price ₹345.00 — upside/downside and value range per method. For current market price and key ratios, visit RBLBANK screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹190.08 | ₹152.06 - ₹228.10 | -44.9% | EPS: ₹15.84, Sector P/E: 12x |
| Book Value Method | asset | ₹206.18 | ₹185.56 - ₹226.80 | -40.2% | Book Value/Share: ₹257.73, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹315.20 | ₹283.68 - ₹346.72 | -8.6% | Revenue/Share: ₹315.20, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹138.00 | ₹124.20 - ₹151.80 | -60.0% | EBITDA: ₹1176.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹756.60 | ₹605.28 - ₹907.92 | +119.3% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹103.50 | ₹93.15 - ₹113.85 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹130.52 | ₹117.47 - ₹143.57 | -62.2% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹172.50 | ₹155.25 - ₹189.75 | -50.0% | ROE: 6.2%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹303.08 | ₹272.77 - ₹333.39 | -12.2% | EPS: ₹15.84, BVPS: ₹257.73 |
RBLBANK Intrinsic Value vs Market Price — All Valuation Models
RBL Bank fair value range ₹104–₹757 vs current market price ₹345.00 across 9 valuation models. Browse RBLBANK income statement for revenue, profit, balance sheet and cash flow data.
RBLBANK Intrinsic Value Analysis — Undervalued or Overvalued?
RBL Bank median intrinsic value ₹190.08, current price ₹345.00 — Trading Above Calculated Value by 44.9%, margin of safety -81.5%.
What is the intrinsic value of RBLBANK?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of RBL Bank (RBLBANK) is ₹190.08 (median value). With the current market price of ₹345.00, this represents a -44.9% variance from our estimated fair value.
The valuation range spans from ₹103.50 to ₹756.60, indicating ₹103.50 - ₹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 44.9%.
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 | 0.15 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 6.2% | 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 | 0.13x | 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 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 |