In Week of Mar 28, 2026, RBL Bank Ltd (Banks - Private) is outperforming Nifty 500 with +9.1% relative strength. Fundamentals: Weak. On a 6-week streak.
Weekly presence in the outperformers list. Green = beating Nifty 500 by 10%+ that week.
Based on Q3 FY26 earnings • Updated Feb 22, 2026
What: 330bps CASA ratio improvement driving 20-30bps NIM expansion potential
Impact: +₹800 Cr revenue
“Focused on building granular liabilities with a narrower cost of deposits gap versus larger peers”
What: Credit cost reduced 61bps YoY to 0.64% as slippages decline 62% YoY
Impact: +₹150 Cr revenue
“Total net slippages in the quarter was 71 crores down from 918 cr in Q1 FY26”
What: C/I ratio improved 280bps YoY to 52.3% as credit cards turned profitable
Impact: +₹200 Cr revenue
“Credit cards turned profitable at the operating level and as scale builds”
Earnings deceleration risks from management commentary
Trigger: If card slippages rise above 4%
Impact: -15 bps margin impact
Management view: 700 plus cr with improvement in yearly bucket collection efficiency and reduction in slippages and SMA bucket balances in credit cards.
Monitor: Credit card slippages as % of portfolio
Trigger: If NIM compresses below 5.5%
Impact: -15 bps margin impact
Management view: Achieving a more balanced retail asset mix with a faster growth in secure products
Monitor: Retail loan yield trends
Key quotes from recent conference calls
“Focused on building granular liabilities with a narrower cost of deposits gap versus larger peers, achieving a more balanced retail asset mix with a faster growth in secure products — R. Subramaniakumar”
“Total net slippages in the quarter was 71 crores down from 918 cr in Q1 FY26 and 727 crores last quarter. Net slippages in wholesale were negative which has been the trend for a while aided by recoveries — R. Subramaniakumar”
“We grew our net advances 14% year-on-year and 3% sequentially to 1 lakh 3,86 crores. Retail advances grew by 10% year-on-year and 1% sequentially — R. Subramaniakumar”
“Our capital position remains strong with CRAR at 15.8% and CET1 at 12.5% — R. Subramaniakumar”
Forward-looking targets from management for FY27
Implied PAT Growth
15%
Credit Growth Target
12%
NIM Guidance
5.9%
Key Milestones
• CASA ratio target 40% by Q4 FY26
• Credit cost target 0.5% by FY27
• C/I ratio target 50% by FY27
Revenue, profit and margin growth rates
| Metric | YoY | 3Y CAGR | Trend |
|---|---|---|---|
| Revenue | +4% | +18% | Stable |
| PAT (Net Profit) | +385% | +37% | Inflection Up |
The above analysis is parsed from publicly available earnings call transcripts. This is educational research only — not investment advice. Last updated Feb 22, 2026.
Based on publicly available financial data. This is educational research, not investment advice.
RBL Bank Ltd's latest quarterly results (Dec 2025) show
RBL Bank Ltd's profit is growing with an turning around (inflection up) trend.
RBL Bank Ltd's revenue growth trend is stable.
RBL Bank Ltd's asset quality trend is insufficient_data.
RBL Bank Ltd's long-term compounding rates
RBL Bank Ltd's earnings growth is turning around (inflection up) with mixed signals on a sequential basis.
RBL Bank Ltd's trailing twelve month (TTM) performance
RBL Bank Ltd appears significantly overvalued based on our fair value analysis.
RBL Bank Ltd's current PE ratio is 25.3x.
RBL Bank Ltd's current PE is 25.3x.
RBL Bank Ltd's price-to-book ratio is 1.1x.
RBL Bank Ltd is rated Weak with a fundamental score of 29.76/100. This score is calculated from objective financial metrics
RBL Bank Ltd has a debt-to-equity ratio of N/A.
RBL Bank Ltd's return ratios over recent years
RBL Bank Ltd's operating cash flow is negative (FY2025).
RBL Bank Ltd's current dividend yield is 0.34%.
RBL Bank Ltd's shareholding pattern (Dec 2025)
RBL Bank Ltd's promoter holding is 0.0%.
RBL Bank Ltd has been outperforming Nifty 500 for 6 consecutive weeks, indicating building momentum.
RBL Bank Ltd is an established outperformer with 6 weeks of consecutive Nifty 500 outperformance.
RBL Bank Ltd has 3 key growth catalysts identified from recent earnings analysis
RBL Bank Ltd has 2 key risks worth monitoring
In Q3 FY26, RBL Bank Ltd's management highlighted
RBL Bank Ltd's management has provided the following forward guidance for FY27
Based on quantitative research signals, here is why RBL Bank Ltd may be worth studying
RBL Bank Ltd investment thesis summary:
RBL Bank Ltd's forward outlook based on current data signals
The above FAQs are generated from publicly available earnings data and conference call transcripts. This is educational research only. Sector Alpha is not SEBI registered and does not provide investment advice.
