Share Price and Basic Stock Data
Last Updated: January 29, 2026, 6:05 pm
| PEG Ratio | 0.51 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
DCB Bank Ltd operates in the private banking sector, focusing on providing a range of financial services. As of September 2023, the bank reported a revenue of ₹1,306 Cr, reflecting a steady increase from ₹1,238 Cr in June 2023. This upward trend continued into December 2023, where revenue rose to ₹1,374 Cr. The bank’s total revenue for FY 2023 stood at ₹4,200 Cr, a significant rise from ₹3,513 Cr in FY 2022. Over the years, DCB Bank’s revenue has shown consistent growth, particularly notable is the leap from ₹3,458 Cr in FY 2021 to ₹4,200 Cr in FY 2023, demonstrating a robust growth trajectory. The bank’s ability to enhance its revenue base can be attributed to effective interest income management, which recorded ₹2,483 Cr in FY 2023, up from ₹2,155 Cr in FY 2022. This trend indicates the bank’s successful strategy in expanding its lending portfolio while maintaining asset quality.
Profitability and Efficiency Metrics
In terms of profitability, DCB Bank exhibited a net profit of ₹670 Cr for the trailing twelve months, an increase from ₹615 Cr in FY 2025. The bank’s profit before tax for FY 2024 stood at ₹722 Cr, showcasing its operational efficiency despite fluctuating expenses, which rose to ₹1,586 Cr in FY 2024 from ₹1,422 Cr in FY 2023. The return on equity (ROE) for the bank maintained a healthy level at 11.4%, showing resilience in generating returns for shareholders. However, the return on capital employed (ROCE) was lower at 7.67%, indicating a potential area for improvement in capital utilization. The net profit margin for FY 2025 was recorded at 9.50%, which is relatively competitive compared to the broader sector, suggesting that DCB Bank is efficiently converting revenue into profit. The bank’s financing margin stood at 3% for FY 2025, a decline from previous levels, which may reflect increased competition and pressure on lending rates.
Balance Sheet Strength and Financial Ratios
DCB Bank’s balance sheet reflects a strong capital base with total assets amounting to ₹76,810 Cr as of March 2025. The bank’s reserves grew to ₹5,654 Cr, indicating a solid foundation for future growth and stability. The equity capital stood at ₹314 Cr, while borrowing increased significantly to ₹9,115 Cr in FY 2025, up from ₹4,118 Cr in FY 2023, reflecting the bank’s strategy to leverage debt for expansion. The price-to-book value ratio stood at 0.65, suggesting that the market undervalues the bank relative to its book value, potentially presenting an opportunity for investors. DCB Bank’s net interest margin, recorded at 2.74, indicates efficient interest income generation compared to total assets, although it has seen a slight decline from previous years. The cost-to-income ratio of 63.70% suggests that the bank is managing its operational costs effectively, although this metric remains higher than the ideal sector average, indicating room for improvement in operational efficiency.
Shareholding Pattern and Investor Confidence
The shareholding pattern of DCB Bank reveals a diverse ownership structure, with public shareholders holding 42.91% as of September 2025. Domestic institutional investors (DIIs) have a notable stake of 31.93%, reflecting strong institutional confidence in the bank’s performance. In contrast, foreign institutional investors (FIIs) have reduced their stake to 10.49%, down from 12.44% in December 2022, which may indicate some caution among foreign investors. Promoters hold a stable 14.66% of the bank, reflecting a commitment to the bank’s long-term strategy. The number of shareholders has decreased to 2,04,998 as of September 2025 from 2,09,881 in June 2025, which could signal a potential consolidation phase. The relatively high percentage of DIIs suggests that institutional investors are optimistic about the bank’s growth prospects, which bodes well for future capital inflows and market confidence.
Outlook, Risks, and Final Insight
Looking ahead, DCB Bank faces both opportunities and challenges. The bank’s consistent revenue growth and improving profitability metrics suggest a positive outlook, especially if it can enhance its return on capital employed and net interest margins. However, rising competition in the private banking sector and potential regulatory changes pose risks that could impact profitability. Additionally, while the bank’s asset quality remains stable, with gross NPA at 2.91% in September 2025, any deterioration could affect investor sentiment and financial stability. The bank’s ability to navigate these challenges will be crucial for sustaining growth. Overall, DCB Bank’s fundamentals are robust, and its strategic focus on expanding its lending portfolio while managing costs effectively positions it well in the competitive landscape. Investors should monitor the bank’s performance closely, particularly its ability to maintain profitability amidst changing market dynamics.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 1,843 Cr. | 222 | 339/180 | 23.0 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,432 Cr. | 27.7 | 37.5/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,159 Cr. | 255 | 331/249 | 8.55 | 306 | 1.57 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 66,900 Cr. | 21.3 | 24.3/16.0 | 21.1 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 12,103 Cr. | 62.4 | 68.0/30.9 | 24.5 | 32.1 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,112.65 Cr | 350.20 | 17.73 | 214.54 | 0.59% | 6.84% | 11.80% | 6.30 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,000 | 1,072 | 1,179 | 1,238 | 1,306 | 1,374 | 1,445 | 1,489 | 1,568 | 1,671 | 1,742 | 1,814 | 1,823 |
| Interest | 589 | 626 | 693 | 767 | 830 | 900 | 937 | 993 | 1,059 | 1,128 | 1,184 | 1,233 | 1,227 |
| Expenses | 359 | 388 | 417 | 407 | 412 | 427 | 434 | 463 | 504 | 523 | 539 | 605 | 539 |
| Financing Profit | 52 | 58 | 69 | 64 | 63 | 47 | 73 | 34 | 5 | 20 | 19 | -24 | 57 |
| Financing Margin % | 5% | 5% | 6% | 5% | 5% | 3% | 5% | 2% | 0% | 1% | 1% | -1% | 3% |
| Other Income | 99 | 95 | 122 | 107 | 107 | 124 | 136 | 143 | 205 | 184 | 219 | 236 | 186 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 152 | 153 | 191 | 171 | 171 | 171 | 210 | 177 | 210 | 204 | 238 | 212 | 243 |
| Tax % | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 24% |
| Net Profit | 112 | 114 | 142 | 127 | 127 | 127 | 156 | 131 | 155 | 151 | 177 | 157 | 184 |
| EPS in Rs | 3.61 | 3.66 | 4.57 | 4.07 | 4.06 | 4.06 | 4.98 | 4.19 | 4.96 | 4.83 | 5.63 | 5.00 | 5.84 |
| Gross NPA % | 3.89% | 3.62% | 3.19% | 3.26% | 3.36% | 3.43% | 3.23% | 3.33% | 3.29% | 3.11% | 2.99% | 2.98% | 2.91% |
| Net NPA % | 1.54% | 1.37% | 1.04% | 1.19% | 1.28% | 1.22% | 1.11% | 1.18% | 1.17% | 1.18% | 1.12% | 1.22% | 1.21% |
Last Updated: January 2, 2026, 12:03 am
Below is a detailed analysis of the quarterly data for DCB Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 1,227.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1,233.00 Cr. (Jun 2025) to 1,227.00 Cr., marking a decrease of 6.00 Cr..
- For Expenses, as of Sep 2025, the value is 539.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 605.00 Cr. (Jun 2025) to 539.00 Cr., marking a decrease of 66.00 Cr..
- For Other Income, as of Sep 2025, the value is 186.00 Cr.. The value appears to be declining and may need further review. It has decreased from 236.00 Cr. (Jun 2025) to 186.00 Cr., marking a decrease of 50.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 243.00 Cr.. The value appears strong and on an upward trend. It has increased from 212.00 Cr. (Jun 2025) to 243.00 Cr., marking an increase of 31.00 Cr..
- For Tax %, as of Sep 2025, the value is 24.00%. The value appears to be improving (decreasing) as expected. It has decreased from 26.00% (Jun 2025) to 24.00%, marking a decrease of 2.00%.
- For Net Profit, as of Sep 2025, the value is 184.00 Cr.. The value appears strong and on an upward trend. It has increased from 157.00 Cr. (Jun 2025) to 184.00 Cr., marking an increase of 27.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 5.84. The value appears strong and on an upward trend. It has increased from 5.00 (Jun 2025) to 5.84, marking an increase of 0.84.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:27 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,128 | 1,422 | 1,698 | 2,076 | 2,413 | 3,041 | 3,537 | 3,458 | 3,513 | 4,200 | 5,362 | 6,471 | 7,049 |
| Interest | 760 | 914 | 1,079 | 1,279 | 1,418 | 1,892 | 2,272 | 2,172 | 2,155 | 2,483 | 3,434 | 4,364 | 4,772 |
| Expenses | 338 | 443 | 550 | 700 | 866 | 949 | 1,113 | 1,223 | 1,356 | 1,422 | 1,586 | 1,927 | 2,205 |
| Financing Profit | 31 | 66 | 70 | 97 | 129 | 201 | 152 | 64 | 1 | 295 | 342 | 180 | 72 |
| Financing Margin % | 3% | 5% | 4% | 5% | 5% | 7% | 4% | 2% | 0% | 7% | 6% | 3% | 1% |
| Other Income | 139 | 166 | 220 | 249 | 310 | 350 | 391 | 446 | 452 | 409 | 474 | 751 | 825 |
| Depreciation | 18 | 23 | 29 | 39 | 53 | 44 | 51 | 57 | 64 | 77 | 94 | 101 | 0 |
| Profit before tax | 151 | 208 | 261 | 307 | 386 | 507 | 492 | 453 | 390 | 628 | 722 | 829 | 897 |
| Tax % | 0% | 8% | 26% | 35% | 36% | 36% | 31% | 26% | 26% | 26% | 26% | 26% | |
| Net Profit | 151 | 191 | 195 | 200 | 245 | 325 | 338 | 336 | 288 | 466 | 536 | 615 | 670 |
| EPS in Rs | 6.05 | 6.78 | 6.84 | 7.00 | 7.96 | 10.51 | 10.89 | 10.81 | 9.25 | 14.95 | 17.13 | 19.58 | 21.30 |
| Dividend Payout % | 0% | 0% | 0% | 7% | 9% | 10% | 0% | 0% | 11% | 8% | 7% | 7% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 26.49% | 2.09% | 2.56% | 22.50% | 32.65% | 4.00% | -0.59% | -14.29% | 61.81% | 15.02% | 14.74% |
| Change in YoY Net Profit Growth (%) | 0.00% | -24.40% | 0.47% | 19.94% | 10.15% | -28.65% | -4.59% | -13.69% | 76.09% | -46.78% | -0.28% |
DCB Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 16% |
| 5 Years: | 13% |
| 3 Years: | 23% |
| TTM: | 21% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 12% |
| 5 Years: | 13% |
| 3 Years: | 29% |
| TTM: | 19% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 0% |
| 5 Years: | 7% |
| 3 Years: | 9% |
| 1 Year: | 4% |
| Return on Equity | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 10% |
| 3 Years: | 11% |
| Last Year: | 11% |
Last Updated: September 5, 2025, 2:40 am
Balance Sheet
Last Updated: December 4, 2025, 1:09 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 250 | 282 | 284 | 285 | 308 | 310 | 310 | 311 | 311 | 312 | 313 | 314 | 315 |
| Reserves | 904 | 1,307 | 1,508 | 1,920 | 2,500 | 2,806 | 3,112 | 3,448 | 3,738 | 4,255 | 4,758 | 5,376 | 5,654 |
| Deposits | 10,390 | 12,674 | 14,926 | 19,289 | 24,007 | 28,435 | 30,370 | 29,704 | 34,692 | 41,239 | 49,353 | 60,031 | 64,777 |
| Borrowing | 795 | 1,099 | 1,148 | 1,276 | 1,927 | 2,723 | 3,408 | 4,482 | 4,082 | 4,118 | 6,219 | 9,115 | 5,929 |
| Other Liabilities | 584 | 771 | 1,252 | 1,276 | 1,481 | 1,518 | 1,305 | 1,657 | 1,970 | 2,443 | 2,393 | 1,973 | 2,216 |
| Total Liabilities | 12,923 | 16,132 | 19,119 | 24,046 | 30,222 | 35,792 | 38,505 | 39,602 | 44,793 | 52,366 | 63,037 | 76,810 | 78,890 |
| Fixed Assets | 239 | 237 | 248 | 489 | 494 | 526 | 546 | 569 | 608 | 783 | 841 | 832 | 893 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 53 | 44 | 24 | 66 | 0 |
| Investments | 3,634 | 3,962 | 4,333 | 5,818 | 6,219 | 7,844 | 7,742 | 8,414 | 9,051 | 12,582 | 16,211 | 20,150 | 20,496 |
| Other Assets | 9,050 | 11,933 | 14,537 | 17,740 | 23,509 | 27,422 | 30,218 | 30,620 | 35,081 | 38,957 | 45,961 | 55,761 | 57,501 |
| Total Assets | 12,923 | 16,132 | 19,119 | 24,046 | 30,222 | 35,792 | 38,505 | 39,602 | 44,793 | 52,366 | 63,037 | 76,810 | 78,890 |
Below is a detailed analysis of the balance sheet data for DCB Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 315.00 Cr.. The value appears strong and on an upward trend. It has increased from 314.00 Cr. (Mar 2025) to 315.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Sep 2025, the value is 5,654.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,376.00 Cr. (Mar 2025) to 5,654.00 Cr., marking an increase of 278.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 2,216.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,973.00 Cr. (Mar 2025) to 2,216.00 Cr., marking an increase of 243.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 78,890.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 76,810.00 Cr. (Mar 2025) to 78,890.00 Cr., marking an increase of 2,080.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 893.00 Cr.. The value appears strong and on an upward trend. It has increased from 832.00 Cr. (Mar 2025) to 893.00 Cr., marking an increase of 61.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 66.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 66.00 Cr..
- For Investments, as of Sep 2025, the value is 20,496.00 Cr.. The value appears strong and on an upward trend. It has increased from 20,150.00 Cr. (Mar 2025) to 20,496.00 Cr., marking an increase of 346.00 Cr..
- For Other Assets, as of Sep 2025, the value is 57,501.00 Cr.. The value appears strong and on an upward trend. It has increased from 55,761.00 Cr. (Mar 2025) to 57,501.00 Cr., marking an increase of 1,740.00 Cr..
- For Total Assets, as of Sep 2025, the value is 78,890.00 Cr.. The value appears strong and on an upward trend. It has increased from 76,810.00 Cr. (Mar 2025) to 78,890.00 Cr., marking an increase of 2,080.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 328.00 | 431.00 | 536.00 | 681.00 | 842.00 | 921.00 | -29.00 | -28.00 | -33.00 | -40.00 | -48.00 | -59.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 14% | 14% | 12% | 10% | 10% | 11% | 10% | 9% | 7% | 11% | 11% | 11% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Franklin India Small Cap Fund | 12,199,095 | 1.59 | 209.95 | N/A | N/A | N/A |
| Bandhan Small Cap Fund | 11,663,358 | 1.06 | 200.73 | 12,913,358 | 2025-12-15 02:00:07 | -9.68% |
| Tata Small Cap Fund | 11,340,118 | 1.72 | 195.16 | 11,340,118 | 2025-04-22 17:25:37 | 0% |
| Sundaram Small Cap Fund | 4,603,530 | 2.33 | 79.23 | N/A | N/A | N/A |
| Motilal Oswal Small Cap Fund | 4,454,471 | 1.31 | 76.66 | N/A | N/A | N/A |
| Sundaram Financial Services Opportunities Fund | 4,243,632 | 4.4 | 73.03 | N/A | N/A | N/A |
| Sundaram Multi Cap Fund | 3,919,350 | 2.32 | 67.45 | N/A | N/A | N/A |
| Tata Banking and Financial Services Fund | 2,880,022 | 1.54 | 49.57 | 2,880,022 | 2025-04-22 17:25:37 | 0% |
| Mirae Asset Banking and Financial Services Fund | 1,891,057 | 1.47 | 32.55 | N/A | N/A | N/A |
| Mahindra Manulife Small Cap Fund | 1,745,824 | 0.71 | 30.05 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 19.63 | 17.18 | 14.96 | 9.26 | 10.82 |
| Diluted EPS (Rs.) | 19.49 | 16.99 | 14.79 | 9.19 | 10.70 |
| Cash EPS (Rs.) | 22.81 | 20.15 | 17.42 | 11.29 | 12.64 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 172.05 | 152.85 | 137.05 | 122.95 | 113.58 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 181.07 | 162.12 | 146.58 | 130.20 | 121.04 |
| Dividend / Share (Rs.) | 1.35 | 1.25 | 1.25 | 1.00 | 0.00 |
| Operating Revenue / Share (Rs.) | 205.88 | 171.42 | 134.84 | 112.96 | 111.36 |
| Net Profit / Share (Rs.) | 19.58 | 17.13 | 14.95 | 9.24 | 10.81 |
| Interest Income / Employee (Rs.) | 5852026.14 | 4758643.33 | 4240556.28 | 4375096.53 | 5417851.17 |
| Net Profit / Employee (Rs.) | 556511.44 | 475660.72 | 470024.13 | 358082.33 | 526068.93 |
| Business / Employee (Rs.) | 100459316.72 | 80118564.79 | 76344926.00 | 79446341.76 | 87205235.63 |
| Interest Income / Branch (Rs.) | 139452269.40 | 121313106.33 | 98367002.34 | 87819125.00 | 98244727.27 |
| Net Profit / Branches (Rs.) | 13261523.71 | 12126119.91 | 10903018.74 | 7187607.50 | 9539482.95 |
| Business / Branches (Rs.) | 2393919536.64 | 2042479610.86 | 1770951971.90 | 1594686695.00 | 1581338122.16 |
| Net Profit Margin (%) | 9.50 | 9.99 | 11.08 | 8.18 | 9.70 |
| Operating Profit Margin (%) | 21.53 | 22.31 | 21.89 | 15.88 | 19.24 |
| Return On Assets (%) | 0.80 | 0.85 | 0.88 | 0.64 | 0.84 |
| Return On Equity / Networth (%) | 11.37 | 11.21 | 10.90 | 7.51 | 9.51 |
| Net Interest Margin (X) | 2.74 | 3.05 | 3.27 | 3.02 | 3.24 |
| Cost To Income (%) | 63.70 | 64.01 | 63.00 | 55.95 | 48.51 |
| Interest Income / Total Assets (%) | 8.42 | 8.50 | 8.02 | 7.83 | 8.73 |
| Non-Interest Income / Total Assets (%) | 0.97 | 0.75 | 0.78 | 1.00 | 1.15 |
| Operating Profit / Total Assets (%) | -0.17 | 0.09 | 0.10 | -0.36 | -0.30 |
| Operating Expenses / Total Assets (%) | 2.36 | 2.43 | 2.55 | 2.25 | 2.13 |
| Interest Expenses / Total Assets (%) | 5.68 | 5.44 | 4.74 | 4.80 | 5.48 |
| Enterprise Value (Rs.Cr.) | 70158.66 | 56431.08 | 46653.26 | 39354.20 | 36192.43 |
| EV Per Net Sales (X) | 10.84 | 10.52 | 11.11 | 11.20 | 10.47 |
| Price To Book Value (X) | 0.65 | 0.77 | 0.77 | 0.56 | 0.90 |
| Price To Sales (X) | 0.54 | 0.69 | 0.79 | 0.61 | 0.92 |
| Retention Ratios (%) | 93.63 | 92.72 | 93.31 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.17 | 0.14 | 0.13 | 0.13 | 0.10 |
After reviewing the key financial ratios for DCB Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 19.63. This value is within the healthy range. It has increased from 17.18 (Mar 24) to 19.63, marking an increase of 2.45.
- For Diluted EPS (Rs.), as of Mar 25, the value is 19.49. This value is within the healthy range. It has increased from 16.99 (Mar 24) to 19.49, marking an increase of 2.50.
- For Cash EPS (Rs.), as of Mar 25, the value is 22.81. This value is within the healthy range. It has increased from 20.15 (Mar 24) to 22.81, marking an increase of 2.66.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 172.05. It has increased from 152.85 (Mar 24) to 172.05, marking an increase of 19.20.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 181.07. It has increased from 162.12 (Mar 24) to 181.07, marking an increase of 18.95.
- For Dividend / Share (Rs.), as of Mar 25, the value is 1.35. This value is within the healthy range. It has increased from 1.25 (Mar 24) to 1.35, marking an increase of 0.10.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 19.58. This value is within the healthy range. It has increased from 17.13 (Mar 24) to 19.58, marking an increase of 2.45.
- For Net Profit Margin (%), as of Mar 25, the value is 9.50. This value is within the healthy range. It has decreased from 9.99 (Mar 24) to 9.50, marking a decrease of 0.49.
- For Return On Assets (%), as of Mar 25, the value is 0.80. This value is below the healthy minimum of 5. It has decreased from 0.85 (Mar 24) to 0.80, marking a decrease of 0.05.
- For Retention Ratios (%), as of Mar 25, the value is 93.63. This value exceeds the healthy maximum of 70. It has increased from 92.72 (Mar 24) to 93.63, marking an increase of 0.91.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in DCB Bank Ltd:
- Net Profit Margin: 9.5%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 9.18 (Industry average Stock P/E: 17.73)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 9.5%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | 601 & 602, Peninsula Business Park, Mumbai Maharashtra 400013 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Farokh N Subedar | Chairman |
| Mr. Praveen Achuthan Kutty | Managing Director & CEO |
| Mr. Krishnan Sridhar Seshadri | Whole Time Director |
| Ms. Lakshmy Chandrasekaran | Director |
| Mr. Iqbal Khan | Director |
| Mr. Thiyagarajan Kumar | Director |
| Mr. Amyn Jassani | Director |
| Mr. P R Somasundaram | Director |
| Mr. Tarun Balram | Director |
| Mr. Balu Srinivasan | Director |
| Mr. Nadir Bhalwani | Director |
| Mr. Nasser Munjee | Director |
FAQ
What is the intrinsic value of DCB Bank Ltd?
DCB Bank Ltd's intrinsic value (as of 29 January 2026) is ₹185.23 which is 7.39% lower the current market price of ₹200.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹6,452 Cr. market cap, FY2025-2026 high/low of ₹204/101, reserves of ₹5,654 Cr, and liabilities of ₹78,890 Cr.
What is the Market Cap of DCB Bank Ltd?
The Market Cap of DCB Bank Ltd is 6,452 Cr..
What is the current Stock Price of DCB Bank Ltd as on 29 January 2026?
The current stock price of DCB Bank Ltd as on 29 January 2026 is ₹200.
What is the High / Low of DCB Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of DCB Bank Ltd stocks is ₹204/101.
What is the Stock P/E of DCB Bank Ltd?
The Stock P/E of DCB Bank Ltd is 9.18.
What is the Book Value of DCB Bank Ltd?
The Book Value of DCB Bank Ltd is 186.
What is the Dividend Yield of DCB Bank Ltd?
The Dividend Yield of DCB Bank Ltd is 0.67 %.
What is the ROCE of DCB Bank Ltd?
The ROCE of DCB Bank Ltd is 7.67 %.
What is the ROE of DCB Bank Ltd?
The ROE of DCB Bank Ltd is 11.4 %.
What is the Face Value of DCB Bank Ltd?
The Face Value of DCB Bank Ltd is 10.0.