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RBL Bank shares fall 5% after management warns of further credit card stress, flat margins22 analysts have coverage on RBL Bank, of which 12 have a "buy" rating on the stock, six say "hold" and four have a "sell" rating on the stock.By Hormaz Fatakia   April 27, 2026, 9:17:06 AM IST (Updated)2 Min ReadShares of Mumbai-based private lender RBL Bank Ltd. will be in focus on Monday, April 27, after the lender warned of stress in its credit card business to continue in the first half of the new financial year during its post-earnings call.

RBL Bank's management stated that credit card stress may remain elevated in the first half of financial year 2027, but management expects to see clear improvement from the second half.

During the second half, the management sees credit card slippages move towards the 7% to 7.5% mark, with credit costs at 5.5%.

For the quarter, RBL Bank's Net Interest Income (NII) for the quarter increased by 6.9% from the same quarter last year to ₹1,671 crore, while its net profit more than tripled due to a low base to ₹230 crore.

Asset quality improved on a sequential basis, while provisions went up by 6% from the previous quarter.

The management also said that deposit growth may be slower in the current financial year as it will not be looking to chase high cost deposits due to the capital infusion by Emirates NBD. It expects the deposit growth to be either in single or low-double-digits.

According to the lender, the MFI stress has peaked and that provisions should start coming down once lower slippages flow through.

CLSA called this quarter a "tough one" for RBL Bank as its Profit Before Tax was 20% lower than their expectations. It also added that the only good thing this quarter was the growth seen in both loans and deposits.

The brokerage has a "hold" rating on RBL Bank with a price target of ₹320.

Citi has maintained its "buy" rating on the stock with a price target of ₹390.

The brokerage has revised its financial year 2027 earnings estimates lower by 3% to factor in lower margins and fee income assumptions.

Emirates NBD equity infusion and credit cost normalization in the second half will be important triggers for the stock.

22 analysts have coverage on RBL Bank, of which 12 have a "buy" rating on the stock, six say "hold" and four have a "sell" rating on the stock.

Shares of RBL Bank ended 3% higher on Friday before the results announcement, at ₹321.6. The stock has risen 9% in the last one month.Continue ReadingFirst Published: Apr 27, 2026 9:07 AM ISTTagsQ4 resultsRBL Bankshare market today