RBL Bank stock price target raised to INR310 by CLSA on Emirates NBD deal

Published 20/10/2025, 08:12
RBL Bank stock price target raised to INR310 by CLSA on Emirates NBD deal

Investing.com - CLSA has raised its price target on RBL Bank Ltd. (NSE:RBK) to INR310 from INR260 while maintaining a Hold rating following the bank’s second-quarter results and a major investment announcement.

RBL Bank’s core pre-provision operating profit exceeded CLSA’s estimates, driven by higher total income and lower operating expenses, though credit costs were higher than anticipated. The bank is seeing improvement in its microfinance institution (MFI) segment, while stress in credit cards remains elevated.

The bank’s board has approved a significant investment by Emirates NBD, which will invest Rs270 billion (US$3 billion) via a preferential allotment of 959 million shares at Rs280 per share for a 60% post-money stake. This transaction will trigger an open offer and lead to a merger with Emirates NBD’s India business.

CLSA notes that while this represents a landmark deal for a financial services company in India, the benefits are more long-term in nature. The firm has incorporated the transaction into its estimates, lifting FY27/28 profit after tax (PAT) estimates significantly while reducing earnings per share (EPS) estimates due to the large dilution.

The investment bank expects RBL Bank’s FY28 return on assets (ROA) to be 1.5% and return on equity (ROE) to be 8%, and points out that the open offer price of Rs280 per share provides a floor for the stock price.

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