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RBL BANK vs BANK OF BARODA - Comparison Results

Rs 100 invested in...

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Current Valuations

    RBL BANK BANK OF BARODA RBL BANK/
BANK OF BARODA
 
P/E (TTM) x 12.2 7.4 164.7% View Chart
P/BV x 1.1 1.3 83.0% View Chart
Dividend Yield % 0.6 2.1 30.0%  

Financials

 RBL BANK   BANK OF BARODA
EQUITY SHARE DATA
    RBL BANK
Mar-23
BANK OF BARODA
Mar-23
RBL BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs189197 95.9%   
Low Rs7490 82.5%   
Income per share (Unadj.) Rs159.3182.0 87.5%  
Earnings per share (Unadj.) Rs15.328.8 53.2%  
Cash flow per share (Unadj.) Rs83.969.5 120.8%  
Dividends per share (Unadj.) Rs1.505.50 27.3%  
Avg Dividend yield %1.13.8 29.7%  
Book value per share (Unadj.) Rs224.3203.1 110.4%  
Shares outstanding (eoy) m599.575,171.36 11.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.80.8 104.8%   
Avg P/E ratio x8.65.0 172.4%  
Avg P/CF ratio x3.52.4 144.2%  
Avg Price/Bookvalue ratio x0.60.7 83.1%  
Dividend payout %9.819.1 51.3%   
Avg Mkt Cap Rs m78,948742,349 10.6%   
No. of employees `000NANA-   
Total wages & salary Rs m16,535143,427 11.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m95,496941,386 10.1%  
Other income Rs m25,069166,394 15.1%   
Interest expense Rs m46,786499,422 9.4%   
Net interest income Rs m48,709441,964 11.0%  
Operating expense Rs m51,348306,445 16.8%   
Gross profit Rs m-2,638135,520 -1.9%  
Gross profit margin %-2.814.4 -19.2%  
Provisions/contingencies Rs m13,235155,035 8.5%   
Profit before tax Rs m12,211205,645 5.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,000 -0.0%   
Prior Period Items Rs m03,173 0.0%   
Tax Rs m3,01658,767 5.1%   
Profit after tax Rs m9,195149,052 6.2%  
Net profit margin %9.615.8 60.8%  
BALANCE SHEET DATA
Advances Rs m701,8649,636,518 7.3%   
Deposits Rs m848,74712,346,820 6.9%  
Credit/Deposit ratio x82.778.0 106.0%  
Yield on advances %10.86.8 157.6%   
Cost of deposits %4.73.5 135.9%   
Net Interest Margin %4.93.2 151.7%  
Net fixed assets Rs m5,53288,760 6.2%   
Share capital Rs m5,99610,355 57.9%   
Free reserves Rs m128,5111,040,192 12.4%   
Net worth Rs m134,5071,050,547 12.8%   
Borrowings Rs m133,3171,079,102 12.4%   
Investments Rs m287,3033,974,872 7.2%   
Total assets Rs m1,158,05715,258,790 7.6%  
Debt/equity ratio x7.312.8 57.1%   
Return on assets %0.81.0 81.3%  
Return on equity %6.814.2 48.2%  
Capital adequacy ratio %16.916.2 104.2%  
Net NPAs %1.10.9 123.6%  
CASH FLOW
From Operations Rs m-110,312-212,706 51.9%  
From Investments Rs m-2,336-10,963 21.3%  
From Financial Activity Rs m22,347-54,884 -40.7%  
Net Cashflow Rs m-90,301-278,552 32.4%  

Share Holding

Indian Promoters % 0.0 64.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 48.0 28.3 169.9%  
FIIs % 28.3 12.3 230.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 36.0 277.5%  
Shareholders   344,856 1,289,443 26.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare RBL BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    KOTAK MAHINDRA BANK    


More on RBL BANK vs Bank of Baroda

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

RBL BANK vs Bank of Baroda Share Price Performance

Period RBL BANK Bank of Baroda S&P BSE BANKEX
1-Day 0.69% 2.07% 0.82%
1-Month -6.23% 0.96% 2.48%
1-Year 77.87% 64.35% 19.28%
3-Year CAGR 4.87% 54.03% 12.00%
5-Year CAGR -18.91% 15.31% 9.40%

* Compound Annual Growth Rate

Here are more details on the RBL BANK share price and the Bank of Baroda share price.

Moving on to shareholding structures...

The promoters of RBL BANK hold a 0.0% stake in the company. In case of Bank of Baroda the stake stands at 64.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of RBL BANK and the shareholding pattern of Bank of Baroda.

Finally, a word on dividends...

In the most recent financial year, RBL BANK paid a dividend of Rs 1.5 per share. This amounted to a Dividend Payout ratio of 9.8%.

Bank of Baroda paid Rs 5.5, and its dividend payout ratio stood at 19.1%.

You may visit here to review the dividend history of RBL BANK, and the dividend history of Bank of Baroda.

For a sector overview, read our banking sector report.



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