RUPALIBANK Rupali Bank Limited.
Bank
Tk 15.2 as of 2026-11-12 14:00:00
Rank 337 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 43
Profitability 0
Solvency 41
Valuation 12
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Concerns
- Consistency EPS rose in only 1 of 4 years (erratic or cyclical)
- Profitability Average ROE only 1.6% (below 9%: capital not working hard)
- Profitability Net profit shrinking 39.23% a year
- Valuation P/E 108.57 is high (above 12)
- Valuation Price is 194% above the Graham fair value (Tk 5.2)
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Category Z (poor/defaulting: gambling favourite, avoid for long-term)
- Thin trading (last day ~Tk 0.03 cr)
- Low sponsor/director holding (0%): weak commitment
- Within 1.33% of its 52-week low: check WHY before treating it as cheap
Valuation
P/E
P/E audited
P/E current
P/B
NAV per share
EPS (last audited year)
Graham fair value
Margin of safety
52-week range
1.3% above the low, 29% below the high. Near the low is only interesting if profit is intact (see concerns above) and the fall has a temporary cause.
Quality and growth
ROE
ROE avg
ROE min
Profit CAGR
Profit YoY
Net profit
EPS up
Loss years (last ~5)
Dividends and safety
Div years
Dividend yield
Payout
Cash div
D/E
Their loans are deposits; NPL data is not available
Loans/MCap
Size, liquidity and ownership
MCap
Free float
Daily turnover
Sponsor %
Inst. %
Public %
Foreign %
Shareholding
- Institution 1.7%
- Govt 94.9%
- Public 3.4%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 1.1 | 37.88 | 50 | 0 | 2 |
| 2022 | 0.61 | 36.1 | 28 | — | — |
| 2023 | 1.35 | 36.9 | 63 | 0 | 5 |
| 2024 | 0.23 | 34.97 | 11 | — | — |
| 2025 | 0.14 | 35.02 | 7 | — | — |
Fiscal year ends December. EPS, NAV and profit are as audited by the company and published by DSE. Financials last fetched: 14/11/2026.
Shariah screen (partial)
Business screen and the debt ratio (loans / market cap 41.6%, limit 33%) are automated. Interest income (under 5% of revenue) and cash/investment ratios must be checked in the annual report.
Educational, not investment advice. Verify on DSE and StockNow before making any decision.